BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought new house in XXXX, TX area. I and my family were excited for our first home. We were looking around for good lender with great rate. Bank of America is XXXX of them. they come up with plan mentioning that you are eligible for physicIan loan with 3.75 % apr AND You do not need to set up any escrow account for it. I asked their agent-XXXX XXXX multiple times that are you sure that I do not have to set up escrow account? She answered me that I am 1000 percentage sure you do not have to set up escrow account with 10 percentage down. There are few lenders who were providing me similar rate with XXXX loan with no set up of escrow account. XXXX was so aggressive that we will give you best service and everytime my question was similar that are you sure that I do n't have to set up escrow and she is saying that I am very sure. We decided to go with Bank of America looking at her confidence and promise. She sent me closing cost work sheet/good faith estimate without any escrow account as well. I can show to prove her promise. meanwhile, I provided lot of documents for my loans in timely manner whatever processor and underwriter was requesting. There was only 4 working business days remain for closing and she came up on XXXX/XXXX/2015 late afternoon mentioning that we have to now set up escrow account. I made mistake and please forgive me. I was really upset because not setting up escrow account was only reason to go with bank of America. There are other lender providing same rate loan with out escrow. I was really anxious because only 1 wk remained for my closing. I felt cheated as customer by end of day. I can not understand that loan went through different stages before final approval and nobody noticed or informed me about escrow thing until last moment when only 4 days remained so I can not go any where. I would never go with Bank of America if I am aware about that I had to set up escrow. I had different options for not setting up escrow for home loan. I ended up paying additional XXXX for escrow account and now monthly payment that I was not ready for it. I would totally consider it as a fraud and cheating to customer. I believe that it is customer right to get correct information about product whenever they are buying something. INFORM CUSTOMER ABOUT SURPRISE WHEN THEY CAN NOT DO ANYTHING THAT IS MOTTO OF BANK OF AMERICA. 

please help me out with this matter so no one else can get fooled/cheated by them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company that 's reporting to my credit file under false/unlicensed name. In my credit file it shows as " Campus Partners ''. However, this particular company does n't exist or registered any state. After some digging I found out they are registered as XXXX XXXX XXXX. 

The problem is this particular company does n't respond to any of letters I 've sent to prove the Debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am requesting that you remove the negative reporting on my credit report from lender XXXX. It has been over 7 yrs and they also in correctly reported that I was 120 delinquent on my account when the account was placed on hold due to being in school full time. Please remove from my credit report should not have been reported in the first place. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have made several attempts to get my loan payment reduced ( even prior to filing Chapter XXXX bankruptcy ) but no one at the XXXX seems interested. Currently, I only make {$50000.00} a year gross and that is not taking into account deductions for taxes, XXXX insurance, child support, and school tuition for the my child along with daily living expenses such as food, gas, required auto and renter 's insurance, etc. The most I could pay a month is {$50.00} a month. However, with the interest rates the XXXX has set, I would not even make a dent in the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made 2 payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has failed to correct inaccuracies on my consumer report after multiple attempts and disputes by myself. Experian is in violation of the Fair Credit Reporting Act. These in accuracies have caused me to be denied credit, stress and financial harm. Experian has failed to verify the inaccurate accounts as legally required to do. 

The following accounts are inaccurate : XXXX XXXX late paymentXXXX XXXX reported the account current on XX/XX/XXXX and Experian failed to correct my report. I demand this account be updated. 

XXXX XXXX XXXX negative reportings. This account is inaccurate and unverified. I have never recieved notification or writing verifying this account- I demand removal from credit report and file. 

There are XXXX injuries that I have disputed for accuracy and have not recieved verification : 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 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 XXXX XXXX I demand that all inaccuracies are corrected immediately and unverified accounts remove as stated above.

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 2016-10-25
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In early XXXX 2016, I establihed a cross-border account with TD Bank, N.A., XXXX. XXXX XXXX, XXXX, XXXX XXXX. The account showed up on the TD bank website with my XXXX accounts. I was told the account would not be open until 1. Sent back the signature card -- which I did not 2. Put a {$100.00} into the account -- which I did not I did not know how to use the account. I needed to take the time to speak to someone knowledgeable. 
The computer in error sent a statement for the unopened account I was charged {$1.00} I went in to the system and switched to online billing. 
The collection department demanding payment of {$36.00} told me the account should have been closed automatically within 30 days ( by the beginning of XXXX ), since I did not do # XXXX and XXXX, above. 
I received a letter dated XXXX XXXX. The letter demanded payment of {$36.00} for fees and overdraft charges. I paid the demand on XXXX XXXX, 2016, by giving the person in the collection department my XXXX account number to my XXXX XXXX XXXX account. 
The account is now closed. 
I have been told on XXXX XXXX, 2016, that TD Bank is going to keep the {$36.00}, which by their own admission should not have been charged for an account that was never opened. They admit the computer automatically sent a statement, even though the account was not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Receivables Performance Management, LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS IS NOT MY DEBTDear XXXX, Dear Billing Dept Manager, I am writing this letter to confirmed that this is not my debt. And stop contacting me. 
I do not have any responsibility for the debt but you 're trying to collect. And you did send to RPM Collector. 
I am very upset to received this notice from you and RPM Collector LLC. 
I have paid on XXXX/XXXX/2015 with total {$100.00} by my credit card XXXX at XXXX XXXX XXXX # XXXX XXXX, XXXX, CT XXXX. ( Reference receipt ). After 7 days I have received XXXX more bills, I did call to Customer Service to make sure, and the teller told me " you paid already ''. Later a week, I am still received XXXX bill and RPM Notice on XXXX/XXXX/2015. 
And I did send the letter to answer about this debt at RPM on XXXX/XXXX/2015 but I am still received another letter to collect money from RPM again on XXXX/XXXX/2015. 
So I need you have to verify with your Billing department 's XXXX about this problem. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 
If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your help, Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX  XXXX Dismissed the debt and removed the debt from all reporting in 2016. XXXX XXXX has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and XXXX XXXX refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. XXXX XXXX is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.

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 2015-06-17
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On mother 's day someone charged XXXX {$40.00} gift cards to my Target credit card account. My card has a {$200.00} limit and it was paid off. I called target right away and they said my account would be disabled including my online account. It is now XXXX XXXX. I am calling them again for the XXXX time and they keep asking me what the issue is. THey said they would send some paperwork so I could sign it that allows them to investigate these charges. They took a payment for my credit card out of my checking account on XXXX to pay for some of the balance even though I had a XXXX balance and the {$200.00} is still on my card. Every time I call I get the run-around. No one seems to want to help me. Since this hack XXXX my debit card with my bank have been hacked as well. I no longer know what to do. I ca n't log into my online account to stop the payments on the card because it is disabled. But they must not have disabled the billing. Please help. To further complicate things my name changed from XXXX XXXX to XXXX XXXX because I got married in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Federated Law Group
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Federated Law group harrassing to collect a debt they purchased from their client, XXXX XXXX, XXXX closed the collection last year and it is no longer in my credit report, federated law group sued me and is demanding I pay back the debt plus court fees, I did not go to court ( 2013 ) so the judge ruled in their favor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-27
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My bank is obligated to dispute charges that I report, and they have repeatedly refused to do so.  As their customer, it is the bank's job to advocate for me as their customer.  The charge I asked them to dispute took place on XX/XX/2015 in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Other fee

Complaint:
Prior to making some overseas trips, I consulted the chase.com website to determine if my credit card had foreign transaction fees. 

I logged into the secure section of the website to ensure I was accessing my information, and under my credit card account, under the things you can do area, the first item was view my card benefits. When clicking on that, I was taken to a page ( I have the screen shots taken afterward ) that clearly states that there were no foreign transaction fees. 

After using this card for purchases on my trips, I was charged secure transaction fees totaling about {$40.00} US Dollars. I have two other cards that also do n't have these fees that I could easily have used. 

I have since been working directly with Chase, via their secure message system, to reverse these charges. They refuse to acknowledge that their website directs me to this page ( which i have screenshots that it does ) and they claim that the agreement I signed calls for these fees. I asked for a copy of my agreement - they said they do n't have it because I filled out my application online. I have all of these messages. 

I asked for a payoff balance so that I could close the card and they refused to provide it. I have these messages as well. 

I would like help in forcing them to close my account, and ideally, to refund these foreign transaction fees, that they are falsely advertising on this card. 

Despite this, after several secure message exchanges with Chase, they res with Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold XXXX rental homes, on XXXX/XXXX/2016, I believe, and part of the proceeds went to payoff all loans. I was owed escrow money and principal back from XXXX and XXXX mortgages. I received all of that in a timely manner from XXXX or the XXXX carriers. However, a company called Ditech is trying to steal escrow money from me. They owe approx {$1700.00} to me. They said their original check went to the wrong address even though I never requested it be changed. They, after a long delay, they said they mailed a new check on XXXX/XXXX/2016. It 's still not here. I do n't know if they a liars are just amazingly incompetent, but I need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I consulted with HUD counselor in XXXX 2015 regarding options to lower my mortgage payment. In XXXX I received a letter dated XXXX/XXXX/15 from Bank of America ; stating that XXXX XXXX would be my dedicated Customer Relationship Manager. I then received letter dated XXXX XXXX, 2015 congratulating me on being approved for Trial Period Plan, but I would have to return signed trial period plan and requested documents. I did not sign Trial Period Plan, nor did I submit requested documents, as I did not want to move forward with the modification or Trial Period Plan. In XXXX 2015 I spoke with XXXX XXXX directly ; letting her know that I did not want the modification, as is it would add time onto my mortgage. She stated, " it is already in the works ''. When I questioned how this was possible without my signature, she responded, " we assumed you wanted to move forward ''. I have continued paying my regular mortgage payments, yet there is a code on my account which delays the payment from being applied directly and results in reversals of late fees and unapplied funds. It appears my account is in the Trial Period Plan, although I did not sign or provide documentation requested to move forward with the modification trial period plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BMO Harris was running a {$200.00} sign up bonus promotion. After meeting terms, I inquired multiple times within last 120 days as to when funds will be paid. First 3 calls I was told I qualified and would be paid ( in order of phone calls ) next statement. close, 60 days, 120 days. Now, today, after 120 have passed and calling in, the bonus is somehow not to be found for my account ( yet was found first 3 times ). BMO Harris is not honoring the terms they gave me, nor the commitment made 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 monetary relief
Consumer complaint received 2015-09-26
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Me and my wife have a mortgage with XXXX, this organization choses Seterus Inc. to collect the monthly mortgage on its behalf. After I have lost my job for about a year, I was going to lose my house. Thank XXXX I found a new job back to XXXX last year and I started making payment to Seterus until I saved my home from foreclosure. Seterus had me and my wife signed a new agreement by taking us from 2 % interest to 4.5 % rate. We have accepted. However, We got surprised that from {$2300.00} per month, only {$230.00} was applied to the principal and it is been going this way from XX/XX/XXXX until now. The principal was {$380000.00} jumped to {$390000.00}, and after 9 months of payment on time, the principal is {$380000.00}??? 
We are working hard me and my wife trying to save our home, but the way Seterus is acting toward our situation is not helpful and needs to be adjusted. Since XX/XX/XXXX we have paid toward {$410000.00} the amount of {$250000.00} and we still showing {$380000.00} as the principal of the loan??? 
Please we need help, what should we do? Thank you. 
XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The reason for this complaint pertains to Predatory Lending. XXXX has been be fraudulently misleading students. According to the CFPB it is believed that XXXX used high-pressure tactics to push many consumers into expensive loans destined to default. During the course of XX/XX/XXXX through XX/XX/XXXX I was encouraged to take out loans and continue my education from an XXXX degree to a XXXX. The Department of Education a student can receive loan discharge for this but this only applies to recent students and those who recently completed their studies within XXXX. This is an unfair process in that many prior students have a considerable about of debt because of this. Moreover, is that since the XXXX name has become tarnished it reduces the likelihood of receiving a new position. Employers may deem students not being well educated. Recent students at least get the opportunity to repair their statuses. While previous one have little or no chance. I believe if a discharge can not be granted for all students affiliated, then all students should receive a partial discharge of loans. We are victims too.

Company response to consumer: Closed with explanation