BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: SANTANDER BANCORP
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing regarding timely processing and disbursements of Escrow Payments. I have had a mortgage with Santander for MANY years. In XXXX after the impact of Hurricane Maria I performed my first Insurance claim and everything ran rather smoothly. Now in XX/XX/XXXX with the impact of the Earthquakes I tried to initiate a new claim and then is when I find out that since XXXX Santander had cancelled my insurance policy and I have no coverage even though my Escrow account has the funds paid by me, Santander just did not perform the Timely Escrow Disbursement nor did they notify me. I continued to be charged the full monthly payment which included the Insurance policy portion. Santander is claiming that Santander Insurance cancelled the coverage in XXXX and that I was not notified because they were not able to contact me. This is hard for me to believe because I have had many calls with Santander Collection and Santander Loss Mitigation, every time I get a call I do respond. My house has been significantly impacted by the ongoing earthquakes and I have been pushed back and forth between Santander and Santander Insurance, each blaming each other but neither are assuming responsibility. We are currently in the peek of the hurricane season, which this year is a very active one. I have had XXXX XXXX XXXX just thinking that I have no coverage. Mr. XXXX XXXX ( Director ) at Santander reached out last week requesting information in order to get a new policy in place, when I asked status upon my claim of the damage he reassured that Santander will not be paying anything because there was no active policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main USAA account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by USAA until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted USAA and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided USAA, XXXX and XXXX all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
The SHEFFIELD FINANCIAL appears to be a charge-off account with a specific balance of {$17000.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX Bureaus. As per FCRA, the XXXX, XXXX and XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

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 2016-07-13
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
State Home Mortgage was in possession of a check in the amount of {$200000.00} payable from XXXX my insurance company for losses my home incurred as a result of a fire XXXX XXXX, 2016. On Thursday XXXX XXXX I received a call informing me that the loan ( XXXX ) was paid off. That decision was made due to miscommunication at State Home Mortgage. 
I did not receive answers to my questions regarding loan pay off ; I did not sign an agreement for pay off, I did not receive an email or phone call providing answers to my questions regarding loan pay off, nor the company 's intent to pay off the loan! 
XX/XX/XXXX, I left a voice mail for XXXX XXXX ( XXXX ) expressing my interest in discussing a loan pay off. I called back within 24 hours and spoke with her. 
Expressing my intent to rebuild the structure, I also posed several questions including pay off amount and role of mortgage company regarding quality assurance. My decision to pay off the loan was contingent upon answers to those questions and more. 
Although XXXX XXXX understood my need to secure answers before making a final decision, she was incapable of providing them, noting the complexity involved in my desire to rebuild and payoff the loan. She eagerly promised to speak with XXXX XXXX and/or others with expertise in the area and call me back later that week. 
Upon notice of the loan 's payoff, I immediately sent emails ( XXXXXXXXXXXX and XXXXXXXXXXXX ) requesting the decision be rescinded with explanation. 
Finally I likewise secured legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Navient Solutions, LLC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see several 120-180 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA violation : I did not give authorization, verbal or written to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that authorizes the release of my PHI to them. If an electronic transfer was conducted they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also a copy of their Business Associates Agreement ( BAA ) outlining their responsibilities to the covered entity pertaining to 45 CFR 164.504 ( e ) QUALITY ASSET RECOVERY needs to provide a full accounting of the amount alleged to be owed in accordance with G.A.A.P. 
I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points which makes ALL correspondence evidentiary AND under the penalty of perjury. 
Alleged Account XXXX*****/ does not provide a full account # Amount alleged to be owed {$1700.00} Alleged Account XXXX****/does not provide a full account # Amount alleged to be owed {$1800.00}

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 explanation
Consumer complaint received 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX issued a check of {$340.00} to me for unpaid wages. The check was sent to an old address in New York. I was not in this state when this check was issued and cashed by Capital One. Capital One cashed a stolen check with my forged signature which posted XX/XX/2021. I was not in the state when this check was sent, received, nor cashed. The signature clearly looks nothing like my signature. I also have never been a member of Capital One. Capital One has sent me a copy of the stolen forged check they cashed and told me I would be on my own. I am now out {$340.00} because of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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 belongs to someone else

Complaint:
On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main XXXX account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by XXXX until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted XXXX and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided XXXX, XXXX and Equifax all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main XXXX account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by XXXX until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted XXXX and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided XXXX, Experian and XXXX all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.

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 2020-08-17
Company: Early Warning Services, LLC
State: MN
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 applied to open up a checking account with XXXX XXXX ID : XXXX, and was denied by Early Warning Services , LLC. I shouldnt have any adverse information on my consumer report with Early Warning Services. Early Warning Services is reporting inaccurate information on my credit report, and I am not able to open up a checking account. I have sent numerous letters to Early Warning Services in regards to this matter, and hasnt received any response from Early Warning Services. Early Warning Services is  using racist and discriminatory practices against me due to me being XXXX ( XXXX ). Its unlawful for Early Warning Services to be using discriminatory practices against me and reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: FACTUAL DATA CORP.
State: PA
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: Problem with personal statement of dispute

Complaint:
There a bunch of hard inquiries that shouldnt be on My credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On multiple occasions I have disputed information with Equifax and recently I have put in writing as I have on multiple occasions asking to be provided with whatever documentation they are receiving from the creditor that is verifying the information and during my last call with them acknowledge receiving such information but said they do n't have to comply in so many words I 've requested many things of them in writing and each and everytime they say they do n't have to provide it to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-17
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Absolute Recovery XXXX, tn my car was vandalized an there was Gang members across the street Terrorizing us so I call the police and a police report me two weeks later nothing resolved so I took my family out of the apartment and left he gave the keys back to the apartment complex they told me it was a safe area and it was not I have health problems and on XXXX. Amount of {$1200.00} we left the apartment in good condition and we paid last months rent so I dont know where they came up with this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my XXXX account was compromised and was used to send money to a person in the XXXX XXXX that I do not know. {$240.00} was taken from my Chime Checking account by this person and was an unauthorized transaction. I contacted Chime and XXXX support immediately after this happened. Several attempts at transactions from this person were made for dollar amounts I did not have and my guess is they kept lowering the number until it reached what I had in my account. The transaction with the unauthorized person was done pending and was settled in my Chime account on the XXXX. I sent a report to XXXX and Chime regarding this unauthorized purchase. XXXX stepped aside in the situation to let Chime investigate. As of XX/XX/XXXX, Chime has ruled against me and is not getting me my money back even though it was absolutely not a transaction I authorized. I then filed to appeal the investigation but almost immediately told me the case was settled. I am shocked and appalled that my bank would choose to side with a criminal over a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Dear XXXX, XXXX daughter took out a school loan for her degree at Full XXXX in XXXX. I had to be a co-signer with my daughter as she had no income and the loan had to be taken out in XXXX parts. The first loan was for {$35000.00} at XXXX % interest and then after XXXX months, the second loan was allowed to be put in place {$24000.00} however the interest was set at XXXX % which was not explained at the time of the first loan being taken out. The loan was allowed to be deferred for a period of time but I can not remember the full information. 

We feel Navient are not set up to help the loaner for many reasons XXXX is that they do not send reminders prior to the due monthly payments if you pay via the online payment system. Over the last year, we have paid extra per month to get the XXXX % interest loan paid off however because the auto payment will not accept they will not accept over payments to the principle. When we pay the extra money per month the following month states we owe less payment for the month Navient do not want to apply the overpayment to the principle. This practice we can only assume is because it is more profitable for Navient to prolong the loan period. 

I have applied to be removed as a co-signer but Navient have refused even though my daughter has never been late for a payment since XX/XX/2013. 

My Daughter has tried to get the loan shark rate of XXXX % down but Navient have refused because they say there is not a lower interest loan available to her. 

Although we have spoken to representatives via telephone we have never been given satisfactory solutions to our questions, they do not have a email address to raise any concerns. 

I would be grateful of you could list us to your complaint. 
XXXX. 
Email address : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I am from XXXX and recently moved to United States. I opened Checking & Savings account with Bank of America. I made few online transfers from Savings account to Checking account. After a month i was charged {$18.00} for that. 

Based on the fee schedule : It was not mentioned clearly that the transfers within the linked checking and savings accounts are also counted towards the limit of XXXX withdrawal. 

Link : https : //www.bankofamerica.com/deposits/resources/personal-schedule-fees.go? request_locale=en-usInitially i was not told about this when account was opened. Later i was told during a chat coversation with Bank agent. After going through the link provided in the bank website, I was under assumption that transfers between linked Savings and Checking accounts shall not count towards the withdrawal limit set for Regular savings account. 

Since the wordings were misleading and not so clear, i want the charge to be returned. 

Also i was not alerted once i crossed the XXXX withdrawal limit. Bank could have sent me an email/text or whenever i do the XXXX transaction that this could be charged. 

So Bank should also include the alerting system for such transactions. 

Please resolve the issue and make the arrangement for {$18.00} refund.

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