BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is on my credit report. I do not know what it is for exactly. I need to be provided with documentation to prove the debt as per The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: State Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was received an alert stating that state collection services was added to my credit report. I never received an XXXX notice, I thought the collection agency is suppose to send a notice to give you a chance to validate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
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 noticed a hard inquiry from Toyota on my credit report that I did not do! I didnt apply for any services or products from this company! Its fraudulent inquiry please remove off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE ASK XXXX TO VALIDATE THERE DEBT MANY TIME. THEY HAVE FAILED TO VALIDATE AND KEEP REPORTING NOW THEY HAVE SENT ACCOUNT TO COLLECTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
A mortgage company Bank entered XXXX mortgages into the mortgage electronic system XXXX under my ssn and home address without my knowledge. My home is paid in full however due to the none corrections to remove the fraudulent loans in XXXX a collection company hired by the company who entered the XXXX fake mortgages into XXXX is illegally stealing our home.

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 2016-05-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My daughter in law recently answered a XXXX add for a used car. The seller said that he was a XXXX ( which is theft of valor and a federal offense! ) and if she sent the first half of the money ( {$2000.00} ), he would have his XXXX drive the vehicle to her. She sent the money through money gram ( who only has a 30 min. Guarantee ), a week later when she did n't receive the car, all of the sellers information was gone and money grams guarantee period was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last year citibank offered a promotion for XXXX thank you points to open a citigold checking account. I understand it was a targeted offer and chatted with a representative before opening an account to verify that I was eligible. Upon verification, I opened up an account and received confirmation of the promo code via secure message ( attached ). When I completed the requirements for the promo bonus, I sent another message to confirm and was told to wait until 90 days after statement closed in XX/XX/XXXX. XX/XX/XXXX, i sent Citi another message inquiring about the status, since its been 90 days and no points were deposited into my account, and was informed that I was not eligible even though I had previous communication stating I was.

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 2016-11-22
Company: SUNTRUST BANKS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX XXXX HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO SUNTRUST BANK OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY

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 2016-07-21
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I ordered my credit report and this account appeared on my credit report. this account does not belong to me Please remove I have contacted the creditors directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: MST Financial Services, L.L.C.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX & XXXX, and they charged that to me

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 2017-02-10
Company: EOS Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on my credit report is a collection for EOS CCA XXXX XXXX XXXX XXXX XXXX 2012 {$1600.00}. first I have never received anything from the collection agency and did n't know anything about it until I pulled my credit report. 2. I sent a letter requesting they verify the debt and I still received nothing. 3. I called XXXX and asked them about it. They looked into it and said I did n't have an account with them. I already knew that because I had XXXX before switching to XXXX. 4. I 've have disputed it with the XXXX credit bureaus multiple times and it still shows on XXXX and maybe XXXX ( i have been unable to view it online ). I want it removed it have been more than the 30 days they have had to verify it. and its false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ERC has been credit reporting on a debt that I was not notified about. I was never sent a right to dispute letter prior to being credit reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS ( Specialized Loan Servicing , LLC ) will not send monthly statements, their web site is always down and the folks there are very rude, I believe I 'm being charged too much on my mortgage interest. They pay our state property tax late even though I send it early costing me more, we get no monthly payment, or payment booklet statements what so ever on any thing except at the end of the year for Federal tax purpose, there is a web site with XXXX of complaints on this company, someone needs to look into their in my opinion illegal practices..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: KEYCORP
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I have asked Key Bank to lower my monthly minimum payment on the two accounts that I have with them. I was in a debt management program for the last 4 1/2 years paying Key Bank {$270.00} on the one account and {$170.00} on the second. I have never been late with any of these payments. I have struggled through 4 1/2 year of making these payment but now since my balances have went down considerably from roughly {$24000.00} down to {$3400.00} I need my minimum payments recalculated to whats allowed by law. I have talked to Key Bank up management and they will not lower my minimum. I think its a disgrace for a person trying to do the right thing gets no consideration. I am currently trying to refinance my home but would not be able to with these current monthly minimum payment on credit card accounts. I will still pay more on these accounts to eliminate them but I need my minimum payments to reflect less so my debt to income ratio will work with my refi. My mimimum payment should probably be no more than {$75.00} or {$100.00} dollars. Even before I went into the debt management program my accounts were not past due. I have always paid them on time well before I got in the program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX,2014 I received a letter from Bank of America. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Other fee

Complaint:
I received a {$1.00} fee from my AAA Bank of America card for " MINIMUM INTEREST FEE. '' I have never used my card for anything other than a retail purchase and I have never carried a balance. After calling them, they claimed/admitted that it was a " mistaken '' charge and agreed to refund it. I expect a refund within the next few days.

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 2016-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I went into the Bank of America branch, located in the XXXX zip code off of XXXX in XXXX, Ca. I was informed that the bank was unable to cash a check that is drawn off of their system because they simply could not swipe my card. I let her know that my card was bent and it would not read. I was then turned away by the teller and the manager saying that they are unable to cash my check for no reason other than it would not scan.

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 2016-12-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient called my mother in law 's phone number about my student loan debt when she is located in Hawaii and it was XXXX there and when I told the loan provider not to call again, she ( XXXX XXXX XXXX ) informed me that she had " called a lot of numbers that day looking for '' me. I told her she broke the Fair Debt Collection Practices Act as she had called a number in Hawaii and she told me that she had not as my loan is past due. She also informed me at the end of the call- which did not end well- that she will continue to call even though I told her not to call anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: GREAT LAKES
State: TX
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:
LOAN WAS REPORTED LATE ; NEVER RECEIVED BILLING AS THE COMPANY HAD AN OLD ADDRESS ON FILE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage with SLS ( SPECALIZED LOAN SERV. ) I have been denied a loan modification several times for crazy reasons My home is listed as a MERS account. It has been sold over six times without sending a GOODBYE LETTER or notice. The monthly fees keep changing. 
changing. My payments are being sold as mortgage backed security, therefore the home can not collateral. MY TITLE IS CLOUDED AND SLS ( SPECIALIZED LOAN SERV. ) IS NOT BONDED TO COLLECT IN MY STATE. They are in violation of the TEXAS XXXX XXXX. NOW THEY ARE TRYING TO FORECLOSE ON MY HOME. PLEASE HELP CODE. They are trying to steal my home PLEASE HELP ME or

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: ERC
State: CA
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:
From a cell phone account that I was added to as a user, but not the primary account holder. I was not the person that opened the account, or signed the agreement. XXXX attempted to extort me back in XXXX 2014, but when they realized that I was not the party responsible, they stopped. Apparently Enhanced Recovery has ties to XXXX in some way, because my score has dropped XXXX points while trying to dispute this. I was told that every time XXXX talks to Enhanced to try to straighten it out, Enhance refuses, and XXXX refreshes the debt and lowers my score. Enhanced has never attempted to contact me to resolve this issue. I call them, and they know that it is now my information, but they still wish to extort me. My score is so low now that I have begun suffering losses because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: ProCollect, Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Chapter XXXX bankruptcy relieved debt for Pro Collect, which is still reported as derogatory collections even two years after discharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid with XXXX assistance and went to collection hospital says I do n't owe it I faxed proof to company all ready and still will not put it as paid company will not accept my proof bills are from XX/XX/XXXX though XX/XX/XXXX the person I talked to was unwilling to try to help and said I owed it no matter what but I have never received no bills to this matter just found on my credit report ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have XXXX % equity in my home and have been paying my mortgage on time every month for the last 3 years. Wells Fargo is not allowing me to petition for PMI removal without jumping through arbitrary hoops that they have created and are not consistent with XXXX XXXX requirements as an investor. I would like to ask that you hold Wells Fargo to a level of accountability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have asked that all correspondence be by mail. Pioneer Credit calls multiple times a day to myself and numerous family members. 
They are now engaging in deceptive practices of making false representations by somehow displaying my family names on the caller id in place of their phone number. This is harassing and intimidating uncalled for actions on the part of Pioneer Credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For the past 4 months, I have not received any information from Bank of America regarding my home loan modification. From XXXX 2016 through XXXX XXXX, 2016 - I submitted all required documents at the request of my then Customer Relations Manager XXXX XXXX. During the months of XXXX, XXXX, XXXX, XXXX, and XXXX 2016, I made repeated calls to my newly assigned Customer Relations Manager, XXXX XXXX. 

In late XXXX - early XXXX 2016, I received a voicemail from XXXX XXXX on behalf of XXXX XXXX, I immediately returned the call only to receive XXXX XXXX 's voicemail. I have left numerous voicemail messages with XXXX XXXX and have not received any returned calls nor any updates to the my home loan modification request of which I was told by XXXX XXXX in XXXX 2016 was under review with the underwriters and they had all the documents needed to continue my request for review. 

Yesterday, I received correspondence from the Bank of America dated XXXX XXXX, 2016 indicating my loan is no longer actively being review because they did not receive the requested documents. All documents were sent XXXX and fascimile in XXXX 2016. 

This has been going on for the past 3 years, I need results. My credit is severely being damaged only because of the mortgage, my other creditors are more than satisfied with my accounts. 

I have uploaded numerous documents to demonstrate I was compliant with all of Bank of America 's request. The most important document is the one demonstrating I provided all document requests and those documents were uploaded into the Bank of America Portal. 
I am unable to appeal this decision because the only contact number I am giving is for XXXX XXXX - and he does n't return calls. Thus leaving me in a very precarious situation.

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 2015-10-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
TDBank is always messing with my mortgage payments. When l am behind on payments and l make the payments. They will always apply the payments towards principal and legal fees and not my mortgage payments stating that i made extra payments ( l am obviously making my payments ). I spoke to them and confirmed that l did not go to court and made the payments before all court appearance why are they charging me fees. A representative that l spoke to that confirmed that the calls were being recorded confirmed that they can not do that and use my payments towards legal fees that do not exist. I spoke to someone today XXXX/XXXX/2015 and she confirmed she submitted the request and they still have not removed the payments from legal fees and principal towards my mortgage payment for the month of XXXX and it is the end of the month. She stated it is being recorded and told me l do not have to repeat myself and l told her this is the second time they are messing up my mortgage account which led to them saying l am now paying for legal fees that l have no idea of and never went to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Target credit card change my billing to electronic from paper bills without my permission. Received a late notice for {$70.00} bill I did not received. Called them to find out what had occurred, CSR was rude could not tell me where my bill was being sent and would not reverse late charge. The larger issue here is my credit score ; I have never made a late payment to Target or anyone else! They have caused a massive data breech recently I would expect them to be more helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Receivables Performance Management, LLC
State: OK
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:
I cancelled my XXXX service after 30 days due to non performance and numerous service calls. I have NO signed contract either ohysical or electrnic with them. They firgot that oart and I signed up by phone. I requested several times they pick up their equipment and they have ignored these requests. They have placed it for collection. An " early termination fee of {$400.00} and non return of equipment {$90.00}. I have NO contract to terminate " early '' This is merely a greedy attempt to get money for a service that was cancelled because they did not provide it.

Company response to consumer: Closed with explanation