BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are a non profit counseling agency in XXXX, we submitted a a loan modification package to Ditech Financial on XX/XX/2017, Ditech 's representative stated that the loan modification was under review and it will take them 5 days to complete the review. I called on XX/XX/2017 and I was told that they needed another 5 days to complete their review. Today XX/XX/2017 I was told that there was no update from underwriter or representative working on the case. The client received a court notice ( to appear in court XX/XX/2017 ). The lender even told me that they will continue the foreclosure process. They are double tracking. They have a COMPLETE package requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select Servicing is showing me as three months late in the last two years, I have NOT been late and they refuse to correct it.

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 2015-12-29
Company: SLM CORPORATION
State: PA
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 just entered repayment for my student loans, both sallie mae and XXXX, paid to XXXX college and XXXX university. I 'm a graduate XXXX and am a life long PA resident. I am making under {$26000.00} annually and am due to give birth in XX/XX/2016. With added medical bills, from pregnancy and a preexisting condition, and day to day bills, I contacted my lenders to work out lower monthly payments of some sort. Sallie Mae informed me their extended repayment program would n't change my payments and they could not help me any further. Now every time I call them they are brash and offended when I ask about any programs they offer besides deferment. XXXX, I have called many many times, filed a complaint on this site before and followed all the paper work trails they have asked me to. I did this in the hope of getting income based repayments, but the last time I called I was actually told they could n't lower my $ XXXX monthly payments a lot and that " because I have n't missed any payments 'they ' have no other options for me at this time. '' As a responsible adult I 'm trying to work with them and even did financial statements for them, showing I have an extra {$10.00} a month and my cosigner has very little extra income as well. 
I am trying to work in their rules but I 'm simply not able to pay and neither is the cosigner, and after my forbearance has ended my only option according to them is to stop paying. 
The fact that my original lender for all my loans, sallie mae, specifically told me that I could get income based repayments after graduation is most annoying part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Have a loan through Navient. Applied for forebearence that was applied XXXX XXXX through XXXX XXXX but Navient refuses to update their credit reporting to XXXX. I have disputed through XXXX, but they did not update and will not allow me to submit another dispute and Navient refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I am a customer with Bank of America. I am a service connected XXXX veteran with XXXX XXXX issues. I was waiting in line at the XXXX XXXX branch in the XXXX, NY XXXX XXXX XXXX, after 30 mins. on line the bank got really crowdedI started XXXX real bad. asked the manager if he'ed show me the same courtesy as the XXXX women before me. letting him know what my problem was, he told me that service is for physically XXXX. I stepped to him and showed him my shaking hands and said do you need to see my XXXX. He took it as a threat and locked himself behind the counter and called the cops. when asking him to help me, he said if I want to get help I 'd have to get back in line. XXXX came and was very courties to me and understanding, they even asked the manager to serve me and he refused. A XXXX can also create a XXXXy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My wife and I ( although the loans are in my wife 's name ) took out XXXX loans with XXXX, the state agency that provides loans for students that attend the university XXXX. There were XXXX loans:XX/XX/XXXX for {$5400.00}XXXX,XX/XX/XXXX for {$5100.00} and XX/XX/XXXX for {$52000.00}. Totaling {$63000.00} We are the first to admit that our payment history to vsca has been " spotty '' at best! There loan servicer NAVIENT, has recently sent us payment requirements for payments totaling {$360000.00}!!! with a payment schedule that is outrageous. I know these debts are ours to repay and we have not done this to, perhaps, the best of our ability, but this is outrageous. Aside from shocking and frightening us, these are scare tactics. Do they really thing we will pay 6X the amount of the loan? We had not been contacted by NAVIENT prior to this letter.I guess my complaint, then, is the business practices of both XXXX and NAVIENT. This falls just short of internet scams and phone calls to " little old ladies '' telling them if they do n't pay there gas bill on time they will come for their house! Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The XXXX accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXXk onXXXX XXXX, 2021 One credit card applied for online through Capital One on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Check Security Associates, LLC
State: TX
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 keep getting calls from XXXX XXXX regarding asset location. They asked to confirm the last XXXX of my social security and DOB. I told them that info did not match me ( it does not ). They became abusive and accused me of lying. They then call my place of business and talked to my supervisor, telling her I was a liar. I am not. They have called me at home, on my cell and at work numerous times and just wish them to stop. I have told them repeatedly that they have the wrong guy but they always become abusive and I just hang up. This should not interfere with my work, let alone my private life. The person they are looking for, if the ss # and dob they have is correct, is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I contacted the bank on XXXX to inquire about why they were processing debit card transactions when the balance was low on as I did not opt in for the overdraft protection. The transactions in question were a reoccurring debit card transaction that hit my account at different times. The representative agreed to reverse two of those and only reversed 1. The bank has processed more of these and then tacked on an overdraft fee of {$36.00} per transaction, I was charge {$36.00} on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX with only one refunded. Asking for s refund of {$100.00}. 

Ive tried to call the bank multiple times in the past week with long hold times. I finally reached a representative today and was told she could not hear me, This was after waiting on hold for XXXX minutes and she ended the call.

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 2016-11-02
Company: Pinnacle Credit Services, LLC
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:
XXXX accounts are being reported to all XXXX bureaus from Pinnacle ( original creditor is XXXX XXXX ). Amount is showing {$690.00}, which I believe to be inaccurate and the fact that I have never had XXXX separate accounts with XXXX and/or Pinnacle. I did have XXXX account with XXXX XXXX that I terminated in XXXX 2010. I do not believe I owe anything to XXXX/Pinnacle and I definitely did not have XXXX accounts with the same company for the same amount. I have tried repeatedly to dispute with all credit bureaus but Pinnacle still reports both accounts. They now say that XXXX account was refinanced or renewed, but both accounts are still on all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Smith, Rouchon & Associates, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never recieved a bill from this this collection agency or notice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I was in a debt management service in year XX/XX/XXXX. My income level lowered, so I contacted this company ans asked would they contact my creditor and asked for a ( pay off now amount ). This management company told me that I would have to not make payments ( go into default ). When in default the management company said then they could contact this creditor about accepting a lower payoff amount. After I went into default this management company did nothing and left me out of contract with them, and I was left out of good standing with this credit. This is when my debt was sold to a third party debt collector for XXXX dollar. That third party debt collector is the focus of my issue. My credit reports has had this bad report for sixteen years. This one debt has been sold and resold to XXXX to different debt collecting companies and going past the time limit to pursue debt without a court case. In XX/XX/XXXX XXXX of the credit reporting agencies dropped this debt from my credit files. But XXXX just got around to removing this collection agency ( on! XX/XX/XXXX ). Here is what made me angry, this collection agency company wrote me in same mouth that XXXX said this creditor listing had came to the its legal duration. In this delt collector 's letter in XX/XX/XXXX, they said that the law would not allow them to come after me on an old debt like mind but they would continue to report my debt to the XXXX collection agencies. I then contacted XXXX and they said there was nothing bad on my current credit report files ( debt collector lies ). This debt company is bothering me every other mouth with a {$730.00}. bill I can 40 % off. I 'm retirement age and I surely know retirement income is not subject to law suit. I just want this company to go away and the bills in my male box to stop too. This is a very very old bill that went wrong and should be forgotten.

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 2015-06-23
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Franklin Collection Service, Inc.purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtsXXXX.Provide proof that Franklin Collection Service , Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Remax Collection agency contacted me via telephone that I owe XXXX outstanding balance XXXX. I never received any bill stating I owe money XXXX. I am disputing these debts because I do not owe them. The office of my primary care physician voluntarily elected to send XXXX to creditors XXXX. I never entered such contract or agreement with them. Upon submission of my health insurance cards to my physician 's office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. Any practice to submit out of network lab was beyond my control and was without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Attempts have been made to contact the creditor. Phone is connected to a " win a trip to the XXXX '' or " sign up for cable service '' and other gimmicks. I looked online and found another number for the creditor. Upon contacting, I was informed that it had been sold. I was given another number and upon contacting the new creditor I was again told it was sold and provided with a new number. The next resulted in the creditor not finding any information on us. Here are the phone numbers in order that we have called to fix the situation : XXXX XXXX XXXX We feel that we have made due diligence it attempting to correct this matter but no one seems to know or have the information we need. 

Additionally, we do not recall ever receiving a bill or invoice for this amount.

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 2020-03-05
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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : DPT EDXXXX XX/XX/XXXX XX/XX/XXXX {$6000.00} XXXX -- / -- XXXX Late Dates : XXXX, XXXX {$7200.00} XXXX {$72.00} XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX {$23000.00} {$6200.00} {$4200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX/XXXX  XXXX -- XXXX XXXX -- XXXX {$100.00} XXXX XXXX -- XXXX XXXX  {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase had some type of update to their online banking where I am not getting any alert for balances payment made and not allowing me to do transfer. I was charged three over draft fees around a months ago. I called they stated they cant fix it but they will fix it. Again yesterday same problem over draft benefit is not working so its not transferring money between the accounts and no alerts of bank transactions as I was assured now it is fixed. So I was charged another two fees. Last night I attempted to transfer money between my account it wouldnt let me. I called and was told that was fixed. So today I was charged another two over draft fees. I been charged XXXX in fees due to bank errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10
Company: Credit Karma, LLC
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
It shows XXXX school loans on my report and XXXX public records and XXXX open accounts

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
Consumer complaint received 2016-11-04
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon undergoing a back ground check for federal employment, I learned this debt was listed with a collection agency on my credit report. I mailed a letter to Pinnacle Credit Service on XXXX/XXXX/16 asking for verification/documentation of the debt. They did not respond. I mailed a follow up letter to Pinnacle on XXXX/XXXX/16 with a copy of the original letter. I asked again for verification/documentation. They did not respond. I mailed a third letter certified mail return receipt requested on XXXX/XXXX/16 advising them to verify the debt or have it removed from all three major credit reporting bureaus. I received the return receipt verifying they received the letter XXXX XXXX. They still have not communicated with me or removed the debt. I applied for a mortgage on XXXX/XXXX/16 and was denied an FHA loan because this debt is on my report, yet the collection agency will not respond with verification/documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: Comerica
State: TN
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been on the phone and ca n't get through this horrible phone system and sit and wait for the fraud area to pick up for over an hour and then it just disconnects. I am out {$100.00} that I need to feed my kids with and I ca n't get any response. I have had it! I ca n't get anyone to provide the police report details to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I filed a chapter XXXX in and was discharged in XXXX. I did not re- affirm my mortgage. I can apply for a FHA loan but not a conventional loan. after the crash of the market i filed a BK XXXX this should have been a " fresh start ''. I am being haunted by B of A who took almost 8 years to foreclose the property because the banking institution did not want to flood the market with foreclosures. They decide to finally foreclose in XXXX and my clock has started over and now the foreclosure has been freshly added to my credit reporting agencies. During the 8 years i reached out to, HUD, Countrywide and B 0f A, only to be denied options to avoid this and force them to act. instead, now i can not recover for 14 years from my chapter XXXX and start over. please guide me. i am exhausted of fighting this on my own. i am a victim of big banks serving themselves. ( Please be advised that my noted address is not the address in question. the property address in concern is XXXX, California. 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