BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 NOTICE OF ERROR FHA MORTGAGE LOAN TO : STATE HOME MORTGAGE ( Servicer of loan ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NOTE : THE RECENT CHANGES TO THE WEBSITE, ON STATE HOME MORTGAGE 'S LOAN PAYMENT HISTORY PAGES, THAT BORROWERS USE TO CHECK THEIR LOAN INFORMATION, IS INADEQUATE AND LACKS INFORMATION, USES IMPROPER TERMINOLOGY, USES SOFTWARE BLOCKING OR ANOTHER FORM OF DETERENT WHEN TRYING TO ACCESS, COPY, PRINT, SAVE, AND/OR VIEW, ALONG WITH OTHER UNACCEPTABLE SETTINGS THAT CAUSES GREAT DIFFICULTY AND OVERWHELMING FRUSTRATION. AND, IN ADDITION TO MAKING EVERY ASPECT LISTED HERE LESS USER FRIENDLY ; THE AVAILABLE AMOUNT OF HISTORY THAT CAN BE OBTAINED IS ONLY A 5 YEAR HISTORY FROM THE DATE OF INQUIRERY, WHICH WILL NOT ALLOW A USER THE ABILITY TO GO BACK AS FAR AS A USER, BORROWER, TO ACCESS THE FARTHEST BACK DATE FROM TODAY TO THE NEXT DAY ; A MAXIMUM OF ONLY 5 YEARS BACK FROM THE DATE A BORROWER MAY ACCESS THE SYSTEM. 

STATE HOME MORTGAGE, the mortgage servicer and under THE GEORGIA DEPARTMENT OF COMMUNITY AFFAIRS, committed a violation of the 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ), rule 1024.17 ( f ), and in conjunction with all of RESPA rules, regulations, and procedures. More specifically STATE HOME MORTGAGE incorrectly utilized regular scheduled monthly mortgage payment funds to satisfy the mandatory coverage of a Deficiency that came to exist, through no fault of the borrower, which STATE HOME MORTGAGE negligently or intentionally chose to not follow the proper procedure ( s ), by not informing the borrower, and not allowing the borrower any chance of a separate payment for refunding the deficiency payment, and by not performing an additional escrow analysis to determine whether any repayment would be required, and a breakdown of the amounts, timing, or changes to the Escrow Account 's future payment amounts : THEREBY DID VIOLATE THIS BORROW 'S RIGHTS. 
The affected mortgage payment totals need to be adjusted to correct the losses of Principal payment funds that were incorrectly taken, plus any interest and penalties that should be applied, shall be sent to me upon an agreement to be negotiated and determined fair for both parties, and within a reasonable amount of time. However, other COMPLAINTS, GRIEVANCES, ERRORS, and/or ISSUES OF IMPROPRIETIES MAY STILL BE BROUGHT FORTH. 

RESPA, FDIC DEFINITION : Deficiency is the amount of a negative balance in an escrow account. As noted in 1024.17 ( f ), if a servicer advances funds for a borrower, then the servicer must perform an escrow account analysis before seeking repayment of the deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am on an Income Driven Repayment ( IDR ) plan. I recently learned that due to the forbearance I was not required to recertify my income information to Fedloan. I received emails from Fedloan asking me to recertify my IDR, so I did, causing my payment to increase. I need this to be revoked as I can not afford the new calculated payment. Contacted fedloan on XX/XX/18 and was told that they couldn't revoke my last IDR certification but would put in a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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 just recently examined my credit report and I realized there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America issued XXXX checks to me because they did not accept partial payments for mortgages. The checks were missing for a period of time, however I am still within the statute of limitations to request that they honor both checks. Instead BOA voided the check and sent the money by wire transfer to XXXX XXXX XXXX XXXX who subsequently took over the loan. BOA should have voided the expired checks in XX/XX/XXXX or XX/XX/XXXX and reissued them to ME! Now BOA believes that they do not have to honor the check because they no longer service the loan. They believe this grossly negligent error is no longer their responsibility which is not true. Checks ' information : XXXX {$1100.00} dated XX/XX/XXXX and XXXX {$450.00} dated XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient has been giving me XXXX about my student loans since I 've been dealing with them. Most of my loans are consolidated now but still a few with Navient are not and I 've been trying to take care of this situation over a couple of years now. They have me as defaulted on the XXXX website and it 's false information. This has also affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Experian regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about 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 XXXX XXXX XXXX XXXXXXXX XXXX In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Experian still has not removed these items from my credit file.

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 2022-07-13
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, notified by Fidelity Visa of fraud activity on account. I was told the account number would be closed and I needed to update any automatic payments to the new account number. 

On XX/XX/XXXX XXXX XXXX XXXX sent a transaction to my Old ( fraud ) Fidelity Visa account number. Fidelity Visa then transmitted my new Fidelity Visa Number XXXX XXXX XXXX XXXX and authorized the transaction. 

On XX/XX/XXXX I contacted Fidelity Visa customer service. They informed me that since I had a prior relationship with XXXX XXXX XXXX and 1 previous transaction with them ( XX/XX/XXXX ) - as a courtesy that are allowed to give out my new account number. They stated that any vendor who had my old number could successfully charge to my new account as long as that said they had a prior relationship with me. 

They then stated that if I could tell them who has my old ( fraud ) number they could close it only to those vendors. But that it cant close to all! 

My thinking is if the account number is closed down that is closed. But that is not the case with Fidelity Visa. 

My question- is it legal for them to release my new Credit Card account number to a vendor?

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 2020-10-25
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have been harassed by this company for a while concerning a debt that I am not liable for. I have not signed a contract or given them the permission to obtain my place of residence or my contact information in which they continue to frequently harass me. They called repeatedly at inconvenient times in which I have told them numerous times to stop.To my understating as a consumer they have broken the consumer laws found in 15 USC 1692.

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 2019-08-18
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I previously submitted a complaint here (XXXX) and, as a result of CFPB's help, FedLoan   approved a retroactive payment. The terminology used to refer to that payment is "PSLF override for XX/XX/19." I had to make that payment within one month of the override approval so during the month of XX/XX/2019 I made a total of two payments to FedLoan. One was my regular monthly loan payment and the second was the approved retroactive payment for XX/XX/19.     FedLoan failed to properly credit my second payment as the "PSLF override for XX/XX/19" and instead counted that second XX/XX/2019 payment as my XX/XX/2019 regular monthly loan payment. That incorrectly put my account in "paid ahead" status.     During the month of XX/XX/2019, after I received the incorrect billing statement stating I owe no payment for XX/XX/XXXX, I tried repeatedly to get FedLoan to correct the error. I wrote to them twice and called them twice. They did not fix the error nor did they respond to my communications. My billing statements for XX/XX/XXXX and XX/XX/2019 were also incorrect and showed that no payment was due as my account was in "paid ahead" status.     I made my regular monthly payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But because FedLoan has, once again, messed up their records, those payments will not count towards my PSLF total.      I need FedLoan to properly credit my extra XX/XX/2019 payment to the approved PSLF override for XX/XX/19. Then I need them to correct their records with respect to XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 so that the payments I made those months are properly credited towards my PSLF total. Finally, I need FedLoan to ensure that the "paid ahead" status is removed from my account and that my XX/XX/XXXX billing statement is correctly issued reflecting my required regular monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint is my mortgage servicer. I can't get an answer as to who my primary contact/XXXX  will be going forward. 

I have been working with my assigned XXXX, XXXX XXXX, on bringing my account current. I have also been in correspondence with his supervisor, XXXX XXXX. 

Now I am receiving emails -- sometimes multiples in a day -- from people whose names I do not know. These emails do not contain introductions or how they are related to the servicing or processing of my loan. These new individuals include : XXXX XXXX -- Emailed us on XX/XX/XXXX XXXX XXXX -- Emailed us on XX/XX/XXXX XXXX XXXX -- Emailed us on XX/XX/XXXX at XXXXXXXX XXXX EST XXXX XXXX -- Emailed us on XX/XX/XXXX at XXXXXXXX XXXX EST We also haven't received any responses back from XXXX XXXX or XXXX XXXX, our assigned XXXX and his supervisor. The last email we received from XXXX was on XX/XX/XXXX. 

Note that XXXX and XXXX 's emails were sent an hour apart on XXXX, XX/XX/XXXX. They did not introduce how they are related to our account. Both claim to be servicing our account. Both asked for the same information. This is really suspicious as I don't know if they are legitimate representatives. If they are, why are there XXXX of them asking for the same information? 

Please note that representative XXXX XXXX, after we responded, had an out-of-office notice on her email. Her out-of-office notice says she is unavailable until XX/XX/XXXX. Her notice is confusing as it suggests she only works there occasionally if her message is set to XX/XX/XXXX and she hasn't changed it since. She has not responded since we received her out of office reply. 

Given rampant identity theft, I want to verify who is responsible for my account going forward. This is also in addition to the fact that I do not want to keep restating information that was given to one rep. I do not want information to be lost in the servicing of my loan. 

I have emailed all of these individuals, individually, and in cc asking who will be our primary contact going forward. No one has responded and taken responsibility as the primary contact. 

Attached are email correspondence from these different individuals. 

Part of our requirements for loan modification from Shellpoint is that we maintain biweekly contact with our XXXX. It seems that Shellpoint is incredibly disorganized in the handling of our loan, and the service representatives are not working in coordination with XXXX another. 

How can we maintain contact if we don't know who is the actual service representative?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had business checking account with Bank of America and account name was XXXX XXXX XXXX- Account number is XXXX. Bank closed in XX/XX/2021, but I have not received my balance check which was {$6400.00}, and Bank of America is not giving me my balance so I tried to call everyday even I visit the branch every 2/3 days in a week. 
Now I want to file complain against Bank of America because I dont have enough money to feed my family and bank is also not giving me interest of my balance. 

Please please help me to resolve my problems. I am in XXXX, I lost my weight so much because of this bank. 
I do not know how Im going to survive myself and my family members. If anything happens to me or my family, Bank of America will be fully responsible for any loss of me or my family members.

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 2022-07-13
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 fraud alerts or security freezes

Complaint:
Consumer Statements on these credit files I have requested for them to be removed along with the fraud alerts from my credit file in XXXX XXXX with Transunion, XXXX and XXXX. and they have never been removed. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING ANACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX # XXXX # EFCRA  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

XXXX : XXXX XXXX ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX CELLULAR XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Receivables Management Corporation of America
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving calls from debt collector company called RMC of America. They would call from XXXX now its from XXXX XXXX ID. Ive asked them to quit calling but they continue to harass me regarding some debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Fifth Third Bank is in possession of my loan ending in XXXX. I have not received calls on the delinquency ( the Bank stated they called on XX/XX/XXXX but no voicemail was left ) and have not received an email from this company since XX/XX/XXXX. I tried logging onto my online account to make a payment yesterday evening and this morning and couldn't log in. When I tried to call the bank this morning they were still closed and my account information wouldn't be accepted to make a payment. Shortly after trying to make a payment this morning my car was repossessed. I am only two payments past due ( 63 days ) and the last notification I received in the mail was XX/XX/XXXX, which did not state anything about the repossession of my vehicle if I didn't make a payment. When I called the bank for assistance this morning, letting them know I could make two payments today, and another next week, they refused to take the payment. They stated I must pay {$770.00} by certified funds in order to get the car back within 10 days. When I inquired about hardship assistance due to my partner being out of work due to XXXX, just having a child, and I was out of work due to an XXXX, they stated unfortunately I have to be current and made consistent payments for 90 days to even get assistance. This makes no sense and seems predatory when I am literally telling the bank we are experiencing a hardship. When I asked to speak with a manager this morning I was told they were having " computer '' problems and that I could leave a message. I would like this banks predatory and deceptive collection practices investigated. I would also like to point out that at no time was I informed on my billing statement or over the phone that Fifth Third is attempting to collect a debt ( aka they didn't provide the collection mini miranda ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Other fee

Complaint:
This is a pretty straight forward complaint. I believe that my credit card statement incorrectly lists interest charged on my purchases as a fee. I called the credit card company to inform them of the possible mistake but they informed me that there is nothing they could do to correct it. If this is incorrect, I believe the credit card company should correct their mistake. Though the amount is small on my statement, the amount could be larger for other customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
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 HAVE BEEN CONTACTING CITI BANK FOR YEARS NOW AND TO THIS DAY SENT LETTERS NO RESPONSE, THE COMPANY HAS A CREDIT ACCOUNT OPENED IN MY NAME IN XXXX AND CLOSED IN XXXX AND THIS ACCOUNT IS NOT MINE, I HAVE TRIED TO CONTACT THEM AND THEY DONT HELP, HAVE WENT TO CREDIT REPORTING THEY VERIFY THE ACCOUNT IS MINE, I HAVE SENT SEVERAL WRITTEN LETTERS NO RESPONSE

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Transunion regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Transunion still has not removed these items from my credit file.

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