BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My 2014 XXXX that was issued by Bank of America indicated {$6200.00} collected as mortgage interest over a 6 month period as the property was sold in XXXX of 2014. This seems to be accurate and is the average that was collected over the last 3 years. However ; Bank of America also indicated {$19000.00} as a refund of overpaid interest which was not refunded to me as the borrower. I was originally told by a Bank of America representative that I would receive a check in that amount. After several months and repeated phone calls, I was told that I would not be refunded this amount since I requested and was approved for a loan modification. Also, that this is a normal practice and that Bank of America always applied overages as refunds, but does not issue these funds to the borrower. My loan modification lasted almost 3 years and I always paid as agreed on the first of the month, while they continued to mail foreclosure letters and constantly called threatening foreclosure. I was also told that I would need to pay taxes on the {$19000.00}. Is it legal for a mortgage company to collect {$26000.00} in interest over a 6 month period? I have tried to resolve the issue directly and requested the refund, but with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son has been constantly harassed by United Consumers , Inc. ( XXXX, VA XXXX ) even after I have sent them correspondence XXXX with proof that the bill for emergency medical services has already been paid. United Consumers is making threats about effecting his credit rating and other forms of intimidation.I would appreciate it if this matter could be looked into. I have attached a copy of the cashed check, which was sent directly to the hospital. ( And cashed by them, as well. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
According to the letter states We 're sorry to tell you that we will be closing your Barclaycard XXXX XXXX Card account for the reason outlined below. All cards issued on your account will expire on the last day of this month and new cards will not be issued. 

Balanceon this account is too high.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Focus Holding Company
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have submitted multiple times that Navient ( XXXX ) has committed fraud against me. My allegations are continuously denied by the organization. Yet I now see that your organization is directly suing Navient for fraud, for some of the EXACT SAME ISSUES I 've experienced. Since graduating from XXXX in XX/XX/XXXX, I 've experienced so many issues with Navient, that I actually wrote a letter to the head of the organization in XX/XX/XXXX. I included XXXX example communications to Navient / XXXX from XX/XX/XXXX and XX/XX/XXXX. I have experienced : - Payments not being allocated correctly to the proper accounts, causing my account to go delinquent be charged extra fees - even though I paid the correct total. 
- Navient auto-deducting money prior to the auto-deduction date, causing back-end banking issues on my side - Navient auto-deducting money after auto-deduction was turned off. 
- Navient charging me the wrong amount for student loans after new loan terms were agreed upon in writing. 
- Navient not releasing my co-signer, even after I made multiple on-time payments in a row. They never even let me know this was an option. 
- Navient not providing me with the proper resources to lower my student loan payments. I have been asking for over a month now for help because I was laid off my job in XX/XX/XXXX and have received zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: URS Holding, 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 was paid

Complaint:
I paid {$64.00} for cloth in XXXX XXXX store using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX XXXX department / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX XXXX customer support. I want to file case against XXXX / XXXX XXXX. 

XXXX share my personal identity to XXXX different collector agency which is here below, XXXX. United recovery system agency - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. XXXX - please find attach document XXXX. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX XXXX : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,

Company response to consumer: Closed
Consumer complaint received 2015-07-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan was transferred from XXXX XXXX XXXX to Carrington Mortgage Services as of XXXX XXXX, 2015. Due to the account showing as a " closed account '', my credit score decreased drastically, making me unable to refinance the loan. After contacting Carrington time and time again, they originally stated that they had a XXXX day window to report the loan to the credit bureaus due to CFPB regs. After continued calls, they first stated that because reporting occurred on the XXXX, it would be until the following month. Then in XXXX, they stated it would n't report until the XXXX. Lastly, they stated that they had already reported it and would be appearing on the credit report by the end of the month. The situation has not been resolved. It is XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Carrington Mortgage Services Research dpt. 
XXXX XXXX XXXX XXXX, CA XXXX:XXXX XXXX : XXXX name is XXXX XXXX I was the customer for this loan. I refinanced my home on XXXX. The new loan funded on XXXX/XXXX/15. I have included copies of my XXXX/XXXX/15 statement from Carrington Mortgage and the HUD from the closing showing exactly what was paid to Carrington Morgage. I received a check for the amount of XXXX on XXXX/XXXX/15 dated XXXX/XXXX/15 for my escrow. However the escrow from the statement ( enclosed ) shows {$1100.00}. In addition there was XXXX added to that in the XXXX payment for a total of XXXX. I would like to know what happened to the ballance of my escrow? What account is there for the XXXX left in escrow? 

I have called and spoken to personel at your facility. Nobody gave me a name. I feel obligated to forward this to the Attorney general and the Department of Housing/urban Development. I expect to hear from a representative of Carrington Mortgage by XXXX XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: NCC Business Services, Inc.
State: FL
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:
Moved from an apartment that I lived in XXXX, Fl. Companies name was XXXX XXXX and I was laid off of my job and rent was more than unemployment gor the month. I wrote them a letter expressing my concerns and got no response I moved out XX/XX/2014. I put down a {$1500.00} deposit when I moved in they took that and said i owed for {$1700.00} misc. Things that were not true. I tried calling the company to show I left the apartment in mint condition. All they sent me was the lease. I have made numerous attempts to get this off of my credit because its the only collection I have. I am looking forward to buying a house and I need this removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Spring Oaks Capital, LLC
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: Reporting company used your report improperly

Complaint:
spring oaks capitol LLC opened XX/XX/22 {$2300.00} amount of collection XXXX  reporting in accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi bank closed my checking account around XX/XX/2022. 
Upon enquiring, I was told by citi bank teller that they no longer had access, yet I would be getting a letter in 30-60 days, along with a check of remaining funds.

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 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Checking account was charged XXXX Overdraft fees, I believe only one should be charged due to an oversight on my end. I called Bank of America and explained that when the ACH ( Transaction 1 ) posted the statement balance was {$2.00}, however they stated that due to pending XXXX transactions the available balance was - {$7.00} and that is why the fee was charged. Problems with this ... 1 ) they blatantly admitted they do not have a de minimis for overdraft charges and that even if an account was overdrawn XXXX cents, they would charge a fee. 2 ) the POS transactions had not actually posted and may never post due to other circumstances, however they are basing fees on these dollar amounts. 3 ) They wanted to charge the XXXX ACH transactions an overdraft fee because we do not " opt in '' to Regulation E Overdraft charges, they would have been unable to charge on the pending POS charges. 
Bank of America banks XXXX customers nationwide and use these practices daily across the board. These unfair and deceptive practices must cease before they continue to harm innocent consumers. 
Each time a phone representative explained their overdraft process to me, I asked to speak to a manager. The final manager would not even get on the phone with me. I had to explain the situation to her subordinate as her subordinate typed the information to her. I persevered and finally had the erroneous {$35.00} OD fee refunded but the phone representative made it very clear that the overdraft was my fault and they stand by their process of paying and charging overdrafts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a transfer on XX/XX/22 before noon I was told Funds should be available by the XXXX. The funds as of today XX/XX/22 are still not available. The company did lied to me about the problem the first time I contacted them. They promised I would have the funds during the day XX/XX/22. I did not receive them. I contacted them in the evening of the same day and was told it was an internal glitch and that I should have the funds by the morning or they would reach out to me. I did not have the funds in the morning. When I called to ask where the funds were they told me to check the app that the transfer had happened. But it had not. It was not at my bank nor did it say completely on the app. I asked when I could expect the funds and they really did not answer my question. When I asked why they didnt contact me or if they were going to compensate me in any way I was told they werent going to do anything for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Bank of America has deleted my mortgage credit line from my credit report. On Janaury XXXX, 2001, I executed a mortgage loan with XXXX Mortgage and Countrywide Home Loan was the servicer starting XXXX 2001. Bank of America needs to include my loan credit history on my report. My credit report shows no loan by Countrywide 's successor.

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 2015-10-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Fair Credit Billing Act 15 U.S.CXXXX NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) andOhio administrative Code XXXX XXXX Program ) XXXX Program sub section XXXX FAQ XXXX and XXXX, Consumer Credit Statutes, and subtitle D XXXX SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. Here is the list of account s belowThe bills was covered under progressive insurance of XXXX drivers of which I was a victim being the passenger XXXX drivers insurance and the hospital assistance charity program covered my bills the billing department XXXX and XXXX are members of the Ohio XXXX Association of which i am filing complaints against them because the bills was misdirected and appropriate to me because incompetent individuals who did not follow through on their duties of making sure that all of those who are rendering services was contacted with all information which caused my credit profiles XXXX to be harmed which is unlawful under HIPPA securities policies and procedures acts as indicated above the Ohio Department XXXX is be notified of this Gross Negligence and defamation of character against me due to incompetent individuals not performing their duties and discharging their office duties as promised at date of hiring. This account should have never made it to the collection agency but it did they have this account listed twice with zero balance and then the amountsXX/XX/XXXX XXXX and then ARS Account Resolution XXXX XX/XX/XXXX XXXXAlso they collection agency has XXXX offices listed with XXXX different credit bureaus XXXX which is illegal under the fair debt collection act you can not deceive an credit reporting agencies to make the alleged debt owed to be larger than what is owed XXXX debt but with XXXX difference agencies is fraudulent and deceptive to the consumer and is very harmful and because they are not here in Ohio this is malicious against my character which is defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, Recently my FHA loan was transferred to LoanCare, XXXX from XXXX XXXX XXXX in XXXX of XXXX. It appears that they are trying to illegally obtain additional escrow " padding '' payments. It is my understanding that only XXXX of the total anticipated annual disbursements are able to be required by the lender as a cushion at the beginning of the year before escrow payments are made throughout the year. Which in my case would be an {$800.00} cushion as I have {$4800.00} in total yearly disbursements. 

On XXXX XXXX XXXX I received an annual escrow account statement telling me that I have an escrow shortage and telling me that I need to add an additional {$390.00} to my monthly escrow payment to make up the shortage even though I have {$860.00} currently in my account. This would bring my total monthly escrow payment to about $ XXXX/mo. Which would result in over {$8800.00} at the end of XXXX when you add in my current balance. It appears that they are requiring me to keep a full 12 month cushion in the account instead of the maximum federal law requirement of XXXX of my total yearly disbursements as previously stated above. 

Under XXXX XXXX XXXX my monthly payment was XXXX and nothing has changed in terms of my yearly escrow disbursements. Under LoanCare they are increasing my monthly payment to XXXX to make up for what they are calling an escrow shortage which is clearly unlawful since it is requiring far more than a 2 month padding for the year. 

I have contacted LoanCare multiple times and they are unwilling to resolve the issue and keep saying I have an escrow shortage. Please advise on how to resolve this problem Thank you 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 2022-10-28
Company: Experian Information Solutions Inc.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-01-06
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts placed a collection on my credit reports. I have been disputing this account on a monthly basis for more than 2 years. CA keeps reporting that the account is a valid account. I have sent letters on XX/XX/XXXX and XX/XX/XXXX asking for validation of the account by providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I received 2 responses each with the same canned response ( 2 page letter ) indicating that they have accompanied the letter with an " itemization of the debt. '' The second pages of each of these letters is a blank page with a barcode in the upper right corner that matches the barcode from the first page of the letter. This is not a mistake. I also received a call today on XX/XX/XXXX from XXXX at CA asking me to make payment in the amount of {$600.00}. I again insisted they delete the item from my credit report as they are not able to validate the account because there is no account. There is no proof that validates this debt because there simply is none that exist. Capital Accounts is in violation of the law 611 ( 5 ) ( A ) of the FCRA and is required to delete this collection account from my credit report files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did n't receive a notice of right to dispute. I sent XXXX ACCOUNT RESOLUTION a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information. If this account is not deleted I will file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: JP RECOVERY SERVICES, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company has no reason to pull my credit report in order to apply executive actions - You misused my report in XXXX & XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation