BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America abruptly and without warning closed my credit card account after 16 years. I called to find out why and was told they reviewed my credit report and decided to close the account. My account was and is in good standing with timely monthly payments. 16 years of an account in good standing. How can BOA close it abruptly without any cause?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: Harley Davidson Financial Services Inc
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Bought a XXXX XXXX with Harley Davidson Finance. Was assured there is no prepayment penalty. Tried to payoff in large payments only to realize monies being applied to interest on whole term loan. The interest was souring high. The only way to get out is to pay full current amount with current interest. Partial to that is applied to full loan maturities amount.is this legal to charge interest for full term amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX ( XXXX t XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account from my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

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 2019-12-27
Company: Brennan & Clark, Ltd., LLC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Brennon & Clark sent two letters stating that I owe XXXX XXXX XXXX {$500.00} for a business named XXXX XXXX XXXX. I have never owned a business nor have I ever had any insurance though XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX, loan servicer indicates resuming payments after Covid 19 hardship forbearance is not an option on USDA GUARENTEED 502 loan due to USDA guidelines, however CARES Act Forbearance Fact Sheet for Borrowers with FHA, VA, or USDA Loans Announcement says : USDA XXXX XXXX XXXX Guaranteed Loan MortgagesHide USDA XXXX XXXX XXXX does not require a lump sum payment at the end of the forbearance. 

If you can resume making regular payments your servicer or lender should either offer an affordable repayment plan or term extension to defer any missed payments to the end of the loan. If you are unable to resume making regular payments, your servicer or lender should evaluate you for all available loss mitigation options. 

Upon completion of the forbearance, the lender shall communicate with the borrower and determine if the borrower is able to resume making regular contractual payments. If so, the lender shall offer the borrower a written re-payment plan to resolve any amount due or, at the borrowers request, extend the loan term for a period that is at least the length of the forbearance. 

Visit USDA XXXX XXXX coronavirus website for more information on forbearance for USDA guaranteed loans. 

PennyMac indicates precovid delinquent however no indication or notice of payment issues provided by pennymac allowing the opportunity to address. Account reported as current to credit bureaus XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX prior to pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
I paid over $ XXXX on XXXX card and over $ XXXX on another, wiping out all my savings/spending potential to pay back my debt to Citi , but then they added an interest charge to the then current balance that 's been backdated to my now current minimum payments on both cards : XXXX costs {$89.00} and the other probably half that.

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 2022-10-02
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was given permission to discuss the credit card account for my daugher, XXXX XXXX XXXX I opened up a Discover card for my daughter, XXXX XXXX and am the one responsible for payments. Approximately on XX/XX/2022, I called Discover customer service and requested that this account be closed because 1 ) Although I had submitted a payment of approximately XXXX dollars on XX/XX/XXXX, it had still not posted as of the time I called, which resulted in declined transactions, and 2 ) I would be required to call in after I made a payment, and I thought this was excessive, so I requested the card to be closed. When I talked to discover, I was informed that I would get a refund of {$220.00} because I had submitted payments which total exceed the credit limit, and thus I had a credit on the account. However, when I called Discover again, I was told that the refund had not been submitted. At this time, I had informed Discover that a series of refunds had been credited to the account, these refunds are 1 ) XXXX, 2 ) XXXX and 3 ) a pending refund of XXXX. At this time, I had fulfilled my payment obligation of the {$500.00} credit and the {$500.00} credit that was extended to my daughter was fufilled through my personal payments that was made to this card, thus any refunds that were made to the card would result in credits, thus these credits should also be refunded to me. However, the representative I talked to disagreed and told me that I would not be entitled to these refunds. This is actually stealing money from me because I had already fulfilled the obligation of the {$500.00} credit that was extended to my daughter, thus any credits should be refunded to my daughter. At the time these refunds were credited to the Discover card, the {$500.00} credit had already been fulfilled and these refunds resulted in credits to the card. Thus, my daughter is entitled to the XXXX credit which was originally a credit to the card, in addition to the refunds to the card, which amounts to {$160.00} thus my daughter is entitled to a refund of {$390.00}. I have attached an account summary showing the available credit of {$500.00}, in addition to the refunds that was applied to this card account. The refund of {$96.00} is pending, approved, and on its way to the discover card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05
Company: Financial Credit Service, Inc.
State: SD
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company called ARA left a messages on my wife 's and I cell phones stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on and that they were going to contact my employer and the apartment complex manger where I live. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I paid her {$150.00} from my back account on XXXX XXXX. I asked for a receipt and never received one. Called XXXX back on XXXX XXXX. I had to leave a message. It is now XXXX XXXX and I have yet to receive a return call. I feel I have been scammed with threats. My wife and I have saved the phone messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received an email from my bank about suspicious activity on my account. There were multiple attempt to buy bitcoin with my debit card on Coinbase, a company for which I have no account. They tried multiple amounts {$1.00}, {$50.00}, $ {$100.00} .... and the only one that went through was the charge for {$100.00}. I talked to my bank and they said that they could try to get my money back through dispute form but there are no guarantees of actually recovering the funds. I called my states Department of Financial Institutions to also get some advice and was told that the process would XXXX long>. I just thought that this would be a better platform to help. I have tried several numbers and several chat platforms that supposedly belong to the company with no success. Since I don't have an account I can not receive any type of LIVE help. Please advise next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
experian has fraudulently used my address for someone else and the sent the report to me. 1. received a report at my home address for another person 2. no such person at this address 3. correct this now 4. have experian apologize for their stupidity 5. get that person off my address 6. now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am a current CitiCard customer that had a card expiring. I received the card and called to activate it. I successfully activated the card, and the agent said I was eligible for a Gold option on the card and asked if I also wanted the " feature turned on ''. I said OK. 

What really happened is that they sent my new expired card AND opened a new credit card with a {$10000.00} credit line and several terms including a {$50.00} annual charge. My original card is a lower credit limit and no annual fee. NO REPRESENTATION was given to me that this was going to be a new, separate card, and NONE of the terms were provided. It was misrepresented as a 'feature ' on my current card, not a new Gold card. 

I felt this was a gross misrepresentation and false marketing to drive new accounts and higher credit limits just like XXXX XXXX has been fined for doing. This hit my credit report and affected my score among other inconveniences. 

I called and immediately cancelled the card, but this must be a rampant practice at CitiBank now. 

I would like an understanding of how the CFPB is going to follow-up especially given the I myself am in the financial services industry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX ( XXXX XXXX XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account from my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

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 2016-01-11
Company: Mandarich Law Group, LLP
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I defaulted on a XXXX XXXX XXXX credit card because I did n't have enough income to pay it. They sold it to XXXX XXXX XXXX and for several years I paid $ XXXX/ month on it. Then the IRS, who is auditing our personal accounts, asked for verification of the debt and the interest charges along with the end of the year disclosure that they needed for verfication. I passed IRS 's request along to XXXX XXXX XXXX, and I never heard from him. No I am hearing from some company named XXXX ( sp? ). I can not understand their debt collectors. They have refused to give me any paper back up to what they are telling me. I asked them for the same information for the IRS and only receive more telephone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
REVISED : My loan had gone into default. Select Portfolio Servicing , Inc. sent a letter to my homeowners insurance company stating that my mortgage was in default and foreclosure actions were being initiated. My home never went into foreclosure because I made payment in full. SPS never gave me a receipt or a complete breakdown of where my monies were applied, i.e., how much went toward mortgage payments, late fees, and all other charges. 

My insurance company at the time, XXXX XXXX XXXX. XXXX ) requested proof that my mortgage was not in default on XX/XX/2021 to prevent my home insurance from being canceled. SPS refused to give me the proof when I requested. My insurance agent, XXXX XXXX ( XXXX ) also called SPS to request the information and she was also denied the information on XXXX XXXX, 2021. SPS ' attorney never sent me any information either. If SPS  would have provided me with a letter, or XXXX to my insurance agent, my policy with XXXX XXXX would not have been canceled. SPS did not provide me the information for the insurance until after I filed my first complaint. Now SPS is charging me {$510.00} for their policy from XXXX XXXX, 2021 to XXXX XXXX, 2021. My policy with XXXX XXXX was canceled because of SPS ' refusal to cooperate and provide information in a timely manner, all the while making a profit. 

I lost my policy and now XXXX XXXX XXXX XXXX will not reinstate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Rausch Sturm LLP
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Back in 2013, I had an XXXX XXXXl stay in XXXX XXXX ( I was a XXXX XXXX at the time ) for shortness of XXXX and XXXX. The XXXX  diagnosed my condition as XXXX. My health insurance denied the claim as a pre-existing condition. My provider was XXXX XXXX denied the claim of XXXX. I started getting notices from a debt collector " XXXX XXXX '' that I owed the total hosptial bill. The debt collector has now frozen our check, savings, lock box, XXXX XXXX XXXX accounts to satisfy XXXX. I received XXXX as my only income. My husband is the sole provider of our household. What are my rights? The monies that were frozen were my husbands paychecks. He wasn't even in the picture when this all occurred. But yet he is the one paying the price for this event. By law they can not take my 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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2016-05-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I applied for a payday loan got approved, was unable to pay now im getting threatened that, i will get criminal charges filed againts me, that they will, have to granish wages earned and that i will go to jail. I was willing to make arrangements, but unable to meet what they request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had several payment plans set up and different issues came up some on my end and some on PHH 's end. However I received an email from PHH before XXXX stating I had a new relationship contact person. I emailed them back as always asking what help was available to me. 
I was told to call or fill out a form with my financial information. Which I did but then when I tried to email it to the address on the form it cam back undelivered. 
Then I tried to fax it. I came back unknown number which I gfot from the paperwork as well. 
So how can I send what they are asking for if it is not giving me the working numbers to so? 
This is once again the way Ocwen/PHH does things and make it look like they are helping but they always find a way and claim it wasn't thier fault. when we are trying to keep the home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
THE ORIGINAL LENDER WAS UNLICENSED TO FUND THIS LOAN, IT WAS ALL DONE AS PART OF THE FINANCIAL CRIMES BEEN COMMITTED AGAINST CONSUMERS BY THESE WHITE COLLAR CRIMINALS, THERE IS AN OPEN CASE WITH THE DOJ, AND I JUST SUED THEM ALL AND JUDGES IN FEDERAL COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a 100 % XXXX veteran who has tried many times to get mr.cooper to adjust my account for my approved property tax exemptions for my XXXX thru the state of texas. I have submitted my state XXXX federal documents to them many times and tried calling and emailing them to get resolution and nothing is happening. This company is a bad company and seems to do things like this to many homeowners in state of texas. 
Mr.COOPER is still pulling my escrow taxes from me after i have submitted all required documents and they wont acknowledge my XXXX documents for tax exemption. 
I have contacted state governor, the district attorney and nothing seems to be done. 
Is there anyone who can help omg.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
The merchant credit card had a 0 % interest offer. They failed to properly disclose that after the promotional. All of the interest that was waived would be added to the balance. This was not adequately disclosed at the turning the credit was used. When I called the customer service center, they told me that if I paid the bill right away, that the interest would be waived completely. Two months later, they failed to do this and withdrew money from my checking account without authorization.

Company response to consumer: Closed with monetary relief