BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: LoanHero, Inc
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I recently joined with a student loan debt relief company named XXXX XXXX XXXX XXXX. this company made many promises about settling with XXXX who I got my college loans. They said they could get the loans dismissed or settle for a really low amount. So I signed with them and in return I would have to pay a retainer of XXXX dollars. I only agreed to join with this company if they could get my mom off of my loan as a cosigner first. The reason why is they wanted me to default on my student loans and pay the retainer fee. This would not only hurt my credit but my moms which I refused to do. They promised that they could get her off and payments to XXXX would not began until that happened. Little to say they lied. Payments began getting deducted from my bank account immediately and 7 months later still no cosigners off and no settlement of course. Now I am trying to get a refund and I am trying to cancel this relationship with the company. The company XXXX is making this process really hard. They have denied my refund and they keep putting through hoops to terminate this relationship. They are hard to reach and they keep giving me the run around. Their suggestion to me what to just continue the relationship since I have already paid XXXX dollars to them. Right now I have a lawyer looking into it because I feel I am being scammed. This really breaks my heart because I owe so much in student loans already this is the last thing I needed. I came to them for relief not more stress. If you could help me I would be appreciative. Also, the company that debits my accounts is n't even XXXX, they had me make payments to another company named Loan Hero. The only way loan hero will discontinue charging me and take the debt I owe off of my credit report is with a phone call from XXXX who is not cooperating. All the documents I signed with the companies were online. Everytinme I click to review the documents they have disappeared. Ive requested the contracts and XXXX says they sent them XXXX XXXX  but every time I call for the past two weeks they are like they are on their way and have no way of tracking them.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello : My name is XXXX XXXX ; I live at XXXX, ME XXXX. My phone # is XXXX. My complaint is against Bank of America, who holds a mortgage on my condominium. BOA failed to pay my real estate taxes to the city of XXXX, which resulted in lien on my property. When I was first notified by the city about the pending lien, I called and spoke to a BOA representative who instructed me to send a cover letter with the notice from the city to BOA, and they would rectify the matter. I went to the local branch and did so, and was assured that the payment would be made. It was made, but after the due date, and thus the lien. I then spoke again to BOA representatives on couple of different occasions to see if I could procure documentation stating that BOA was at fault in not paying the taxes. My concern is that having a lien on my property, even though it has now been resolved, will reflect poorly on my credit ratings. The city is not reporting the lien, nor is BOA, but I 'm told there will still be a record of the action in my credit report. In short, this is likely to cost me interest points should I take out a loan for a major purchase such as a car or real estate. BOA can not provide documentation saying they failed to make the payment on time ; the burden is on me to contest the credit report should the lien show up, but without documentation stating what happened. This is irresponsible on the part of BOA, and it is extremely frustrating to be brushed off with boiler plate language used by the customer service representatives. " We are sorry XXXX XXXX ; we understand your concern, but there is nothing we can do because we did n't report the lien to the credit bureaus. '' I 'm not convinced this gap in payment wo n't happen again or that it is not happening to others. Can anything be done to put pressure on BOA to provide better and more professional service and to send some form of documentation that will help me corroborate my case should I need to contest the lien with the credit bureaus? 

Thank you. 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 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Services is continuing to contact me to attempt to collect on a Bank of America Credit card that was settled through a different collection agency. I let them know that it has been paid and have requested further information on them on a couple different occasions, but they have not supplied any more information other than continual collection notices to collect this paid debt. The following email confirms this debt has been paid, and I have disputed the credit bureaus and have it thus noted with them as well. " From : XXXXXXXXXXXX To : XXXXXXXXXXXX CC : XXXXXXXXXXXX ; XXXXXXXXXXXX Date : Wed, XXXX XXXX XXXX XXXX XXXX Subject : RE : XXXX, XXXX. vs. XXXX XXXX XXXX XXXX XXXX, My office did file the attached satisfaction of the above judgment with XXXX XXXX XXXX XXXX back on XXXX XXXX, XXXX, and judgment was satisfied by the court per the attached court website. My office does not have record of a lien ever being filed in regards to this matter. Therefore, nothing was ever filed with the XXXX Court. The account has also been reported to our client as settled. Please let me know if you need any further information. 



Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX and XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX * : XXXXXXXXXXXX XXXX : XXXX, ext. XXXX : XXXX ( fax ) *Licensed XXXX and XXXX XXXX '' Any help or direction you can give me to get this cleared and off my record is greatly appreciated. XXXX XXXX Services has not communicated with me to resolve, only to continue to collect this paid debt.

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 2021-01-27
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was denied for a loan modification by SLS and was not provided a reason why I was not a candidate. On XX/XX/21, an authorized third party by the name of XXXX XXXX contacted SLS to find out why. SLS told her that they are not able to provide the denial reason as they are not the final decision makers. My mortgage statements come from SLS, when I was paying my mortgage, I paid SLS. When I applied for a loan modification, my communication was with SLS. We are in the middle of a pandemic and my own mortgage company will not communicate with me what I can do to keep my home. They are forcing me to short sale or liquidate. Where would my family go? The government needs to do more to make sure innocent every day tax payers don't fall victim to greedy banks.

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 2016-01-16
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
As part of a divorce and bankruptcy proceedings in the Fall of XXXX, i notified XXXX XXXX XXXX that XXXX XXXX needed to be removed from the account before she filed for bankruptcy in XXXX of XXXX. Since i was no longer responsible for this account per the divorce agreement, this account was not included in the bankruptcy. I was sent a form, which my ex husband and i filled out and returned prior to her bankruptcy proceeding. 

Following the discharge of her bankruptcy late last year, I pulled her credit report. i informed my ex husband i was still on the account. During XXXX and XXXX he incurred several late payments, before paying the entire balance in XXXX XXXX The account is still reflected on my credit bureau along with the late payment behavior from my ex husband. 

My ex husband called on this initially in XXXX and was directed to a department that said this would be handled. He was told that it could take 30 days to correct. At this time nothing has been corrected. He called back and was told that they ca n't even transfer him to the correct department due to the fact that the account has been closed for too long. I was directed to address correspondence to this address. 

Barclays responded that there was not an error in reporting. They purposely have ignored court documents specifying i was no longer responsible for the account. This was communicated to them in XXXX, followed up in XXXX and then again in XXXX when i realized it was never corrected. 

i am a single divorced female with children trying to reestablish my credit after bankruptcy ( which was discharged in XXXX XXXX and should be removed from my bureau in XXXX XXXX - 7 years after filing ). The delinquencies from the credit card account i am referencing are leading to higher interest rates and increased auto insurance rates. We followed Barclays request for information and they have intentionally ignored court documents indicating i am no longer responsible for this account. I could have easily included it in the Bankruptcy in XXXX and not been responsible for the account but due to the legal documentation in the divorce papers it was not included. 

if you need divorce documents please contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX, my husband and I started the process of obtaining a construction loan from SunTrust Mortgage. The process has been a very unpleasant experience. Throughout the entire process we were not kept inform of our loan request. In order to kept the process moving forward my husband and I had to call to for the next step. Any time we would turn in paper work that was needed we never knew if what we provided was sufficient. I would have to start calling around XXXX or XXXX in the morning every 30 minutes until I could reach our loan officer XXXX XXXX or XXXX XXXX just to get updates on our loan process. I would send email and get no reply. My husband and I provided all the information that was requested of use as soon as we were told it was needed. My husband called twice and wrote several emails to XXXX XXXX and XXXX XXXX to voice his concerns on how it seemed as if our loan was not being taken seriously. After 6 months of trying to get our construction loan approved and calling to see where we were in the loan process, we were told we were not approved for the loan. XXXX XXXX explained to me how I needed this large amount of money down or in escrow. I asked him to send me the information to my email detailing why we were not approved for the loan. He told me he would send it that day but never sent the email. I got up early that morning and started calling him until I was able to speak to him and not voicemail because he does not return our calls. He said that it was a long and detail letter and he was finishing up the email and would send it. Once again I never got an email. My husband called the next day and was told by XXXX XXXX that he would send an email with the information I requested. We still never got an email. It is a week later and we still have not gotten an email detailing why our loan was denied. I have never been treated so poorly in my life. I am so disappointed that my husband and I were not able to complete this loan process with SunTrust. And at this point time and money have been wasted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for ( XXXX XXXXXXXX XXXX XXXX ) with CreditKarma which I received XX/XX/22 by mail. As of today XX/XX/22 I called to setup the credit card as well as make an auto payment for the " {$95.00} program fee '', they finished the setup but then informed me I was not eligible for the credit card and would be sent a letter in the mail. I have already filled a complaint with " FTC '' & received a Ref- # of ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: HOME BANCSHARES, INC.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed and contacted the bank with all info, including reports, account name and details and the bank did nothing to reverse transaction, or press charges to the account holder even though they had all information, police, ftc, fbi, cfpa. Reports. The bank aloud a criminal to steel my money, a wire of $ XXXX to the account of XXXX XXXX. At XXXX XXXX XXXX., They could of returned my money and instead ignored me and criminal activity.. I am a victim and have been discriminated against by the duty of the bank not doing thier job, I will not stop till I get my money back, the banks need to be held accountable for taking no action to reverse my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit Bureaus stated that the information was verified and was accurate upon the completion of their investigation. How can this be true if the open dates are incorrect, the dates last active are inaccurate, the dates last reported are inaccurate and the balances are inaccurate. All of this incorrect information reporting on my credit is grounds for the accounts to be removed from my credit report. My rights have been violated under 15 U.S.C. 1681 section 602 A. States I have a 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 instruction. 15 U.S.C. 1681 section 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect. 15 U.S.C. 1681 ( a ) ( 5 ) states : no consumer reporting agency may make any consumer reporting containing any of the following items of information other adverse item of crimes which antedates the report by more than seven years.

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 2020-08-06
Company: PNC Bank N.A.
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Pnc wont allow XXXX anymore. Needs to be fixed. Cant even connect to XXXX  either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: DE
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:
A business account XXXX XXXX card was compromised and changed to a fraudulent address, fraud and unauthorized charges were made on the account i reported it and the account was closed from XX/XX/2017, now after 6 months they put the fraudulent charges on my personal credit report with a balance of XXXX. i do not owe them any funds, the account had a -- {$5000.00} credit balance in XX/XX/2017 and the account have been closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state 's a consumer Reporting agency can not furnish account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I paid XXXX collection debts on my credit report I contacted XXXX to ask them to remove the debts that have been satisfied. they stated they do not remove paid collection debts and to contact the agency that placed the collection on my credit report.They did report the debts as paid but did not allow me to dispute to have them removed. I asked if I could dispute the claim and they said NO. I asked If I can speak with the manager to see if I can get any additional help and I was placed on hold for 10 mins. I decided to disconnect because I felt I was receiving improper treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America received funds from insurance payouts and never notified us. They held the funds for 4 years and hired contractors who did work on our property. No one ever verified the work was done and it was negligent causing more damage to the property. The contractor who did the work went as far as to cover the hole in the side of the house with out making necessary repairs to preserve the property. We are unable to go after the contractors because we did not have a contract with them. Had we been notified of the funds being received we could have made the repairs ourselves and been back in our home 4 1/2 years ago. Bank of America knowingly withheld funds intended for repairs and they call it a miscommunication. We have tried working with the states attorney and they have been unable to get a resolution. Bank of America continues to dodge questions and avoid responsibility.

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 2022-04-19
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with AmeriSave on my primary residence in XXXX and make payments into an escrow account held by AmeriSave to pay my taxes. 
On or about XX/XX/XXXX, I received a letter from the Town of XXXX stating that AmeriSave had not paid my XX/XX/XXXX taxes due XX/XX/XXXX. I immediately contacted AmeriSave customer service who directed me to send an email to their Research Department with all relevant information, which I did on Friday XX/XX/XXXX. 
I did not receive a response from AmeriSave until XX/XX/XXXX, when XXXX XXXX notified me that she had initiated research into this issue. I responded to XXXX XXXX highlighting that the Towns letter indicated that payment was due by XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that AmeriSave was working diligently on the issue and that she would continue to provide updates as the matter reaches resolution. 
It has been a month since XXXX XXXX last correspondence, I have contacted both XXXX XXXX as well as AmeriSave Customer Service. Customer Service stated they would again escalate the issue and a supervisor would contact me within 48 hours. I have not received any further communication from anyone at XXXX. 
In speaking with the Town, they have advised me if AmeriSave does not pay the past due taxes by XX/XX/XXXX then Massachusetts law requires the Town to place a notice in the paper followed by recording a tax lien with the Registry of Deeds. This will cause me both legal and reputational harm

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation