BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
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:
There are currently numerous inquiries listed on my credit report that I did NOT initiate or authorize. This was a result of malpractice or an error.

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 2015-06-18
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were denied of a modification due to " not imminent default ''. Our income is less than halfthat when we got the loan. I lost my job due to medical reasons and I am filling for XXXXOur loan take 36 % of our income.

Company response to consumer: Closed
Consumer complaint received 2016-04-14
Company: Professional Debt Mediation, Inc.
State: GA
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:
On XXXX XXXX 2015 we moved from XXXX in XXXX XXXX, GA to XXXX in XXXX, GA. We left due to management not dealing with issues. XXXX The noise of cars coming in at XXXX, XXXX or even XXXX with the base woke us up consistently. We always got told to call the cops but when the police would get there nothing would be able to be seen or heard.It was XXXX that use to own XXXX. Then XXXX company came in and took over. The situations became even worse than before.Our belongings were out by XXXX and the keys were put into their slot. We have paperwork with the rental truck etc. They kept our security which we just wanted out of there so we did n't care. But because They did n't return until XXXX XXXX which is a monday they are trying to state we owe XXXX for a full months rent. But their was XXXX of us in this apartment and they are only coming after me and put it on my credit report. We do n't owe the money as we were out. I dont get why they state I owe this money and I am trying to get this off my report. I paid a week in advance for wedgewood which was XXXX to move in. We were fully in by the XXXX XXXX. How can they put this on my report and give it a negative due to this collection agency? PDM Debt Mediation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: NCC Business Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company contacted my sister as well as my co-worker and stated that this is a debt collector looking for XXXX XXXX. They continued to contact them and left voice mails numerous times, despite being told not to call them again. This company also misrepresented themselves as having a license and registered debt collector in the State of Michigan but they are not. This is a debt account that does not belong to me. I called this company and mailed them a letter requesting validation on XXXX XXXX. They never responded to my request. In fact I never received any letters from them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America has let unknown and unauthorized charges continue for three years, until I caught the transactions. When trying to get statements Bank Of America is only allowing me to have 13 months of statements even though I have talked to fraud and these fraudulent charges have dated back to XX/XX/XXXX. Bank of America has yet to help solve this scam or money laundering and will not dispute any transactions from XX/XX/XXXX because they say they cant see back that far. These unknown draft payments vary from XXXX to XXXX dollars per transaction up to 3 times daily and or 3 to 6 times a month all going to XXXX. I have service with XXXX XXXX XXXX but I pay once a month and its supposed to be the same amount if not 10 higher for late fees. I have looked into my XXXX XXXX XXXX account and there are multiple changes in account as in primary holder, even though I only have one device and one plan. There are unknown devices that dont have phone number and unknown charges for a Access Card I never heard about. I tried to call XXXX XXXX XXXX to ask about the most current payment that was taken directly from my checking and why so many payments have been taken out and what for and I was put on hold and hung up on 3 times. All representatives with different names. Previously asking about bills which I call every month because it is always changing and I never know why. A representative said he doesnt see those transactions going to the XXXX XXXX XXXX company its self.

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 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This letter serves as a plead to remove the late payments on my account for XX/XX/2019, XX/XX/2019, XX/XX/2019, and XXXX XXXX was laid off from the ending of XX/XX/2019 to XX/XX/2019. Due to these financial struggles I couldn't oblige to my credit card payments. I have been a faithful customer with capital one for some years now and I called in to explain my situation during these rough times. Once I got back to working, I resumed payments and paid my account down in large sums. As of now these late payments in the past is affecting my credit and preventing me from getting a home, I called the company recently and customer service told.me they can help me if I send in a letter stating my case. I sent in a letter but I am yet to hear a response on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Campus Student Funding, LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I was a former a student at XXXX XXXX in XXXX Nevada. In order to afford the tuition, I needed to take on private student loans. the school only gave me the option to take loans from their private student loan lender. I was threatened that if I took to long to think about it my classes were gon na be dropped. i was making payments for these private student loans and then they were sold or transferred to Campus Student Funding LLC. The school closed and so did the XXXX. My Federa Studnet loans have been forgiven and not my private student loans. so here I am with no degree and in debt due to the ambitious And scamy practices of my school whose corporate members filled their pockets with the student 's money. I need that my private student loans be forgiven.

Company response to consumer: Closed
Consumer complaint received 2015-07-02
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was foreclosed on XXXX, 2012, and no action was taken for confirmation and approval for an order of confirmation and approval by a judge of superior court pursuant to OCGA 44-14-161 ( a ). There have been numerous debt collection agencies who have taken the debt and each one has been told that there is no legal debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2020. Someone Went to a ATM in XXXX XXXX to check my balance on my EDD prepaid card. On XX/XX/2020 that person checked the balance again at a ATM in XXXX XXXX. At that same ATM on XX/XX/2020 someone withdrew {$160.00}. I did not authorize none of these transactions. I only withdraw money in the city I live in at my local Bank of America in XXXX, California. I have never check my balance or withdrawn money in XXXX XXXX. On XX/XX/2020 ; I checked my Bank of America account on the Mobile phone APP and noticed all these transactions I did not approve. I called the fraudulent number with Bank of America to notify them I did not approve those 3 transactions. The representative files a fraudulent claim and reissued me a new prepaid debt card. The rep. told me it will take at least 25-40 days before I will get my money returned and I will receive a letter in the mail about my claim and an email confirmation. I received my new debit card but never received an email confirmation. I received a letter in the mail that my claim. 
The day I called the fraudulent claim number on XXXX XXXX, 2020 ; was the same date they wrote a letter about my claim ; that I received in the mail on XX/XX/2020 ; stating, " The above claim has been closed. '' " Your claim has been closed because we believe the account or claim have been the subject of fraud pr suspicious activity. Any temporary credit was applied to your account related to this claim, including any related reimbursement or fees, has been or will be debited from your account and reflected in your available balance, if any. '' CLAIM NUMBER : XXXX Account ending : XXXX. 

To date ; I have not received my {$160.00} reimbursement. 

On XX/XX/2020 ; I tried to login to my account online. When I put in my user name and password, I could not access my account. On the screen it informed me, " Your account can not be accessed. Please call the number on the back of your card ''. I called Bank of America and told them what was on my screen and I was told that my account was frozen on XX/XX/2020 2 days after I received my EDD Deposit. I was never notified about this by Bank of America and only found out when I tried to log in to my account. The representative file paper work to unfreeze the account. 

To date ; my Bank of America account is still frozen and I can not access it online.

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 2015-08-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were baited by Ditech Mortgage company. We were told it would take no time our credit was good. We were never told that we must have a XXXX dollars in the bank for a refi. Instead we put out the money for appraisal XXXX. We are an elderly couple we explained that and never led them to believe we had extra cash in our accounts. Then we were told our appraisal had to be wrong because we purchase the house in XXXX of 2014 and in XXXX we were looking for a refi. We updated the house ripping out the kitchen putting in granite counter tops and new appliances. The appraisal came in XXXX higher then what we paid for the house. So Ditech was unhappy with that finally our appraiser wrote to them and explained. Then they demanded XXXX successive bank statements to prove we had one months mortgage payment. This began a nightmare for us. We used our savings and even made a late house payment to please them. The worse thing is they told us they saw we had not paid our mortgage thus rendering us unable to get a refi. IF in the beginning we had seen the FHA requirements or if Ditech had instructed us upfront we would have NEVER gone with them. Now we out of XXXX dollars and out of our mortgage which our lender is most helpful and understood what happened. We will clear this up by a double payment. In the meantime we have no money for this month groceries. Thanks to Ditech who owes us the appraisal money.

Company response to consumer: Closed
Consumer complaint received 2022-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
As the executor of my mother 's estate I sold her apartment in XXXX of this year. We closed on XX/XX/2022. Select Portfolio Servicing Inc ( SPS ) finished processing the payoff of the loan, according to the documents they sent me, on XX/XX/2022. However, after closing I was no longer able to access the auto-pay settings on the account, and an auto-payment was deducted after the loan was paid off. Additionally the payoff quote used in closing was dated in XXXX and so included multiple days of per diem interest after the loan was paid off. I contacted SPS in XXXX to inquire about the extra payment that was removed from my account after the loan was paid off. I was told that this amount, as well as the per diem interest, would be sent to me via a check in the mail. I was also told it would be sent within 30 days of the payoff being processed. 

The check was never sent to me. I contacted SPS again on XX/XX/2022, well past the 30 days, to inquiry about the issue. I was told by the Ombudsman department that the check had been mailed on XX/XX/2022. I informed them that I had never received the check, and that according to the Daily Digests from USPS 's Informed Delivery service during that period the only mail coming from SPS was the letter informing me the loan had been paid off, but that no check had been sent. I also requested the payment and escrow history for the account. 

I was then told that the check would be reprocessed and sent again, and the payment and account history would be sent to my e-mail. I was also again told it could take up to 30 days for that to happen. I did receive the payment and escrow history on XX/XX/2022 but not the check with the money. I responded to the e-mail with the account history to inquire about the check but never received a response. I again waited passed the 30 day period and contacted them today, XX/XX/2022. 

Not only has the check not yet been sent, they claimed that they had not even finished getting the approval to reprocess it. I was also told the request to reprocess was submitted on XX/XX/2022, meaning they delayed two weeks from the time I called to even submit the request and they were trying to retroactively add that two weeks to the 30 day waiting period. Which, of course, comes on top of the previous 30 day waiting period when they never actually sent the check they claimed to have sent. 

The end result is 85 days have now passed since SPS processed the payoff and I am still waiting for them to return to me the per diem interest as well as the payment they stole from account after payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: SIMM Associates, Inc.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Simm Associates has made multiple calls to my fathers ' ex-wife at her work place, also leaving messages disclosing private information of the nature of their business. In addition they called my father twice. They called my workplace, when I returned their call I was placed on hold for over 20 minutes the customer service representative was abruptly placed me on hold whilst I was speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege there is no such verification exists.

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 2016-04-06
Company: URS Holding, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Enterprise Recovery Systems out of IL contacted a coworker at my place of business. 

This is from an IM of that conversation : " XXXX XXXX [ XXXX ] : Hello, I have XXXX from Enterprise Recovery Systems Incorporated calling asking for you, are you available? 
XXXX XXXX [ XXXX ] : She is no longer on the line, I sent her to your voicemail. I also got contact infotmation for her. 
She can be contacted at XXXX Option 1. Ext # XXXX '' I contacted XXXX and she said the only way I could verify my identity was to provide her my SSN. I refused and she mentioned that the calls to my employer may not stop till I provide my SSN. I spoke with her supervisor and she said that I need to give them my SSN. Ultimately, I said no and she hung up on me. 

Companies should not call and ask for SSN and other companies should not give that information away. They would not tell me anything about the debt till they got my SSN. They should not have my SSN. Companies should not give SSN 's to mom and pop debt collectors that could not tell me they are keeping that information safe!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was recently charged an overdraft fee on my BBVA Compass account of XXXX, but no where on my bank online did it show that I went negative. If the bank is going to charge an overdraft fee, then there should be transparency and the bank should, at the very least, show me where I went negative. Instead, my balance never reaches a negative balance on my bank online. I feel that the method of accounting that this bank is using is meant to take advantage of consumers because people are being overcharged non-sufficient funds when their accounts never reach a negative balance on their bank online. If the banks are going to be charging overdraft fees, then they should, at the very least, show you why they charged you a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: National Credit Adjusters, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
NCA National Credit Adjusters were listed on my credit report and also this was a pre paid debit card reloaded at any XX/XX/XXXX or XXXX XXXX  to reload cash amounts this is still listed on my credit even though I have documentation of this being closed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX my wife and I contacted our mortgage company, Freedom mortgage, to have them remove the private mortgage insurance we have been paying monthly. Our house is valued at {$400000.00} with an appraisal less then 2 years old. We owe {$320000.00} which would place us at approximately 78.9 % loan to value ratio. 

We sent a written request on XXXX/XXXX/XXXX to have this removed. They replied on XXXX/XXXX/XXXX stating they would respond within 30 days. It is now XXXX/XXXX/XXXX and we have not gotten a response. We have contacted them and they said it would be at least another week for a response. 

Freedom mortgage has already told us in the past they would be using the original loan amount of {$350000.00} to determine our home value, even though we have an appraisal. We took out the loan after saving a substantial amount for a down payment. We would like assistance getting a response from them and ensuring they follow federal law in regards to the loan to value ratio. Our loan is a conventional 30 year fixed rate mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation