BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-25
Company: Monterey Financial Services LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
To Whom It May Concern : I am formally filing a complaint against Monterey Financial Services for XXXX actions that violate my rights as a consumer and fair debt collections practices acts ( FDCPA ). Monterey Financial Services has provided false statements to XXXX and XXXX trying to collect debt by misrepresentation the amount I owe. XXXX has both regular account and a collections account while XXXX only has the regular account. The amounts stated were to be principal and interest but later were told that collections fees were involved. 

Second, Monterey gave false credit information to the credit reporting companies about their collections and amounts paid. How did XXXX come up with a balance owed {$5200.00} on XXXX XXXX, XXXX? That is what XXXX states in my credit report. 

Third, Monterey is charging fees of {$20.00} per month, late fees, interest and other collection fees that I have asked for in writing but Monterey refused to provide. My contract does n't allow for them to collect collections fees, a {$20.00} per month other fee, and interest on top of everything else. This is a breach of contract and therefore Monterey should have to pay for failures. 

I have attached letters written by myself on different occasions to get the necessary explanation for the charges. I have attached a copy of the agreement along with how Monterey applied my payments. I have asked repeatedly for an account analysis and summary. However, Monterey has refused to provide such analysis and understanding of the charges and fees. 

I have paid {$200.00} per month from XXXX XXXX through XXXX XXXX which is not shown to any of the credit bureaus and should be reflected. As of XXXX XXXX I will not be paying anymore payments to Monterey since Monterey has breached their fiduciary duties as mentioned above. I have consulted with an attorney, credit specialist and I performed my own research about Monterey 's practices and behaviors to conduct this thought out letter and analysis. 

Thank you for your time and I look forward to your review and analysis in the next 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We are business and private customer at Bank of America since 2008 in good standing. About a month ago we have received a phone call and were requested to provide personal sensitive information like our social security numbers, etc. over the phone in order to update our customer profile. We denied to give out this information by phone but called Bank of America immediately to take care of this update. Our information had not changed, but we received the information by phone that the update was taken care off. On XX/XX/XXXX we received 5 different letters from Bank of Amerika : XXXX of our credit cards had been closed, XXXX of our checking/saving account would be restricted due to missing personal information. We called Bank of America again, provided more information, until everything was supposedly resolved. When we tried today to pay our Credit Card Statement we learned that our business credit cards were closed. Today we lost 5 hours talking to different agents at Bank of America who were all very friendly but who could not do anything else than apologize and telling us that these are all compliance reasons. Why can we get a letter by mail that our accounts are closed but not a letter that there are still certain points that have to be clarified before the account is closed? At this point we are really upset and not feeling treated as " VALUED ' customers ( like Bank of America always tells us ). We want to make sure that this matter is taken care for all our accounts now before our other accounts are blocked / closed also. We are really disappointed that Bank of America is " playing around '' with our accounts just to get information and not considering in one single moments that they are affecting our business and private banking in a very negative way.

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 2016-12-10
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I HAVE BEEN UNABLE TO GET THE ANSWER TO A SIMPLE REQUEST AND HAVING RECIPIENT CHANGE THE PRIOR REQUEST TO AVOID ANSWERING. I WOULD LIKE THIS TO SERVE AS A QWR-QUALIFIED WRITTEN REQUEST TO ADDRESS THE ERRORS IN THE AGREEMENT AND DISCLOUSURE STATEMENT BEARING THE BLANK ENDORSEMENT OF XXXX XXXX XXXX. I RECEIVED A COPY OF THIS ENDORSED IN BLANK DOCUMENT RECENTLY AND ASKED FOR THE TIME THAT SPECIALIZED LOAN SERVICING CAME INTO POSSESSION OF IT. THE RESPONSE WAS DENIED AS WELL AS CHANGED IN NATURE OF ACTUAL REQUEST. IF THIS IS MY ALLEDGED LOAN DOCUMENT I AM ENTITLED TO INFORMATION CONCERNING IT.

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 2015-09-05
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was denied the chance to continue an application with the XXXX program, by Doral Bank XXXX XXXX XXXX, which has dissapeared and was bought by XXXX other XXXX banks, because I have a HOME OFFICE in the lower floor of my house. I do not know it a XXXX lender can really deny me this service. I really would like to refinance my mortage, so I can lower my mortage payments, just as XXXX other XXXX citizens have done. Please respond to my question, as I am very unknowledgeable of these complicated finantial issues and no one else has bothered to answer my question, here in XXXX XXXX. 
Thank you very much. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-09-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance with SLS to save my home from foreclosure. I hired an attorney to help me with the process. I also applied for assistance with Keep your home California. I was approved with Keep your home California. My attorney submitted a loan modification application with my servicer SPS on XXXX/XXXX/2016. They have confirmed my application was received and complete and they are now stalling ( evading ) making a decision. The reason I am filing this complaint is because today my attorney says that SPS today said they did not have a complete file until XXXX/XXXX/2016. This is absolutely not true and a lie simply for them to stall. If you look at the attached Law Office Internal notes, you will see my attorney confirmed with them several times prior to XXXX/XXXX/2016 that the file was complete. Regardless, according to RESPA Reg X, the servicer does not have to have a perfect, complete file. They merely have to have a semi complete file with enough info to make a decision. They have had this since XXXX/XXXX/16. However, I am told by my attorney that SPS does not follow the RESPA Reg X guidelines/rules. They go by their own rules and have no lied about not having a complete file until XXXX/XXXX/2016. My approval from keep your home california is about to expire while my servicer, stalls and evades making a decision on my loan for a loan modification even though they have now had my complete file ( Prepared by my attorney and their underwriter ) now since XXXX/XXXX/16.

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: Malcolm S. Gerald and Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This company called my cell phone ( XXXX ) and left a msg on XXXX/XXXX/15 to return their call. Then they called my house phone ( XXXX ) a few minutes later and my wife answered. 
A women named XXXX XXXX asked my wife to take down her information and have me call them back. She stated she worked for an attorney and that I owed a debt from a XXXXcredit card account. My wife quickly googled this firm and found fraud allegtions and many complaints about them. 
After careful research we have found they are not attorneys, which is a violation of Federal and State Law, and have found they are not licensed to collect in the state of MA. 
I called the telephone number she gave my wife and a XXXX XXXX answered. She asked for my name, then she stated that I owed the debt a for a XXXX credit card. 
I then I asked her to send me documented proof by mail. She replied with " are you denying that you owe this debt? '' I said " no, I am asking youto send me proof.? This went on for a few more minutes and I just hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: R J Baucum Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency is calling repeated times during the day after multiple attempts to cease all calling. This company uses multiple numbers during the day to call attempting to make it seem like someone else is calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
My wageworks credit card sent them a check for XXXX and that check was returned back for incorrect address that was given to me by XXXX XXXX University. After a month I received a letter from XXXX that my payment is passed due so I called my wageworks and they told me they already paid them but they returned the check. I called XXXX and explained what happened and if they can send me a good address and another medical bill to resubmit it to my wageworks and they never did until they finally kept sending me a balance statement instead of a medical bill. I told them a balance statement is not accepted by my wageworks credit card so they ignored my calls and reported me to CRS Consolidated Recovery System. I explained to CRS that my wageworks card is willing to pay because they did before and the check was returned if MHU can send me a bill, but even I told them what is going on and why my wageworks can not pay them unless I get a medical bill CRS kept sending me a balance statement which is not accepted by my wageworks credit card. The whole thing is very simple to solve if XXXX send me a medical bill stating in it the exact type of treatment they provided the payment will be issued in a matter of a week. Both XXXX and CRS do n't want to cooperate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MI
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, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Equifax, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) these accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Equifax has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shows no creditor name and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. # XXXX, # XXXX, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was told to Contact you, by the office of State Senator " XXXX '' XXXX, New jersey XXXX. 

I applied for a home mortgage in XXXX XXXX, at that time and repeated times after that I had asked the loan officer XXXX lender Representative of XXXX, if I would be able to pay off the loan at anytime with no penalties or fees associated with the loan, his response was " I can pay off the loan at anytime without penalties or fees ''. 
Then, in XXXX XXXX, I was notified by a supervisor from " XXXX ' That I could NOT pay off the loan until XXXX XXXX! 
I asked why, his response was " how can we ( the mortgage company ) make any money if I pay off my loan? 
Then they made me go to a Notary and sign a statement that said as per telephone call, I will not pay off the loan until XXXX, I said what would happen if I do not sign it, they said " Then the Settlement will not take place ''. 
Under undue pressure I was forced to agree, and then signed the paper on XXXX XXXX XXXX, That I will NOT pay off the mortgage loan until XXXX XXXX. 

I feel that for some reason it is Illegal for them to pressure me to sign a paper that protects the Greedy mortgage company to make more money, taken it from me, after telling me I multiple times that I could pay it off at anytime in XXXX XXXX. 

I am ready, willing and able to pay off the Mortgage at anytime, and was willing to do so 1 week after settlement on XXXX XXXX XXXX. 

Do I have any legal rights???? Or do just the Mortgage company 's have legal rights to do and say what every they want, to make money at the expense of the consumer???????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2017-03-27
Company: Prosper Marketplace, Inc.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I am a victim of identity theft happened XX/XX/XXXX. My wallet was lost and inside were my ID, social security card and birth certificate among others. 

This company Prosper Marketplace, based in XXXX CA, allowed someone to take out a fraudulent loan in my name for {$30000.00} in XX/XX/XXXX. I spoke to my local police to file a report, but they told me since I could n't prove it happened in their jurisdiction, no report could be file. 

They instructed me to contact the credit bureaus and they could help. So I did and told them this was a fraudulent account, they did n't remove the account. I have disputed this account many times, but it never is removed. 

So XX/XX/XXXX I contacted Prosper Marketplace directly by 1st class mail. I 'm sure they will say, they never received the letter. I told them this was a fraudulent account ; and I requested copies of the loan contract/agreement, so I can compare the signatures. As, I know it would n't be mine, because I have never got a loan from Prosper Marketplace, I had never heard of them. They never replied to the letter or sent me the requested documents. So I disputed the fraudulent account again, and yet it was n't removed from my credit reports. 

So XX/XX/XXXX, I wrote Prosper Marketplace again and again asked them for copies of the loan agreement/contract, so I can compare the signatures. Of course they will say they did n't receive that letter either. No reply from them and no copies of loan agreement/contract sent. 

I had did a free 15 minute consultation with a lawyer. He told me once i receive copies of the loan agreement/contract with the signature, to go to a notary and do a notarized affidavit of forgery, and send it back to Prosper Marketplace, with the loan agreement/contract, and this would be proof that I did n't take out the loan, or sign the loan agreement/contract, and Prosper Marketplace would remove the account from my credit report in 30 days as per the FCRA. 


Today is XX/XX/XXXX and I have still have not received copies of the loan contract/agreement. The reason ... it does n't exist, as I never signed any loan contract/agreement with Prosper Marketplace, never applied for or received a loan from Prosper Market Place, a fraudulent account How can a company be allowed to place a fraudulent account on a consumer 's credit report without a loan contract or agreement bearing that consumer 's signature? 

Prosper Market Place is violating my Consumer Rights, as well as the FCRA. I am asking for your help, to make Prosper Market Place remove this fraudulent account from my credit report. Prosper Market Place, Acct # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-10-28
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX of XXXX I paid my account balance in full that was late. At that time I was told my account was closed and in good standing. In XXXX of XXXX I ran a credit report and see Im 90 days late and owe them XXXX XXXX I called and was told the new balance is XXXX XXXX I was told my account had been closed since XXXX but these are the account fees for each month plus late fees. I call back XX/XX/XXXX and was told now that the fees are from monthly XXXX $ Open account payments plus late fees plus return fees from a auto draft I never set up. The card was closed in XXXX with a full payment and still being charged. I have asked to speak with a supervisor on XX/XX/XXXX and no one answered after over a hour on hold. Before being transferred my only option was to pay XXXX $ on a card that had a XXXX $ balance in XXXX of XXXX and closed at that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a mortgage with XXXX and they sold my mortgage to Chase. Chase is a terrible mortgage service company. I paid them in XX/XX/XXXX and they did n't post my payment. Then when I tried calling them to resolve the issue they punted me to some call center in XXXX. Needless to say they did n't help me and the customer service was terrible.

Company response to consumer: Closed with explanation