BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I did refinance with Bank of America back in early 2015. The refinance has approved and we have paid all the fees, notary fees and also singed all the closing documents with title company. We were told by the title company that the loan has funded after we carrier back the closing documents and we spend total around ( {$4500.00} on all the total costs, notaries, title insurance, wiring and others etc have done XXXX due to the mistakes they have made ). 

However, the refinanced loan never got funded and we questions about it but the bank of American told us that his boss " XXXX XXXX '' will contact us and have the leave the phone number -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX, XXXX email below : XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; Wed, XXXX XXXX, 2015 at XXXX To : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; My manager is XXXX XXXX, you can contact her at XXXX ext XXXX. Thanks -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have write a numerous emails and also phone calls ( phone call always in voice mail ). I have left a message but so far no response from them and my loan never get funded without giving reasons Thanks XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Last year CCO mortgage who holds a XXXX on my house of less than XXXX on a house valued well over XXXX, purchased flood insurance at {$600.00} a month and charged it to my account. I already had flood insurance at {$300.00} a year and yet they refused to refund the {$600.00} to my account. Those actions make them fraudulent and unethical in my opinion and those are the exact words I put on all my bills that I pay for. Last month they decided to start harassing me by placing me on a " courtesy call '' list. My credit is well north of XXXX and I have never had a late payment to them or to any other institution. Despite this fact I am receiving daily phone calls that begin on the XXXX of each month for a bill that is due on the XXXX but not late until the XXXX. The ONLY reason for them to do this is to harass me. I have told them to stop and yet they still continue to do so. What are my rights and who can protect me from this unwarranted harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Express Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about  XXXX  I contacted _express recovery__. Regarding a debt I was told I had on my credit report. They said it was a medical bill I received while visiting utah, during  XXXX . I had insurance at that time that paid my medical expenses. I told the woman the report said I owed {$2.00}. She stated I owed due to interest. I told her I would pay the original amount only due to the fact I just became aware the insurance had not completed payment. She said she would settle for half the interest if I sent the check. I needed verification and did not receive any. Later on in  XXXX  I received a call stating I owed and I told her of the phone call and agreement I told her to speed the process send letter via email. The woman accused me of knowing about debt and i said ye s 2 week  's ago when i called. When I opened the email today  XXXX   XXXX  the payment agreement was not what was told to me. It did not disclose the original debtor, or the amount on my report.She had tried to say the payment plan was due the same day as the letter and I was to pay the balance of interest. NOT THE AGREEMENT I MADE! The letter does not state an account number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/20 I sent TransUnion a certified letter for accounts and inquiries that were not mine. I asked that they respond and send me original documentation binding me to this debt. I have not received a letter or any evidence. On XX/XX/20 I sent another letter.

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 2016-02-02
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in bancrupcy and thought I was protected from foreclosure. I recently applied for a loan modiciation and/or any program that could help me with Ditech. They took over my nmortgage from Green Tree. I was also using XXXX to help me fill everything out. I got an e mail from XXXX that Ditech needed more info from me. It was unclear to me what exactly they needed and the next message I got was that it was too late and they are foreclosing. Can you please help me?? Im very worried for my self and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: TRUSTMARK CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On Tuesday, XXXX XXXX, my XXXX year old father was contacted by someone saying that they had legal proceedings against me. My father only has a cell phone and lives on the other side of the country from me so I have no idea how they were able to contact him. I got the phone number from my dad and called today, XXXX/XXXX/15. The man on the phone, XXXX XXXX, said that they were not trying to collect a debt but had legal papers that they needed to serve me and wanted to get my information. I would n't give it out to him and the man became very hostile. I was finally able to get the company name from him before I hung up. It is Trustmark Corporation. I have never had any dealings with any company of this name. I do not have any outstanding collections for any bank or credit card. I am very upset that this company called my dad and upset him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 Convergent Outsourcing received a collection account from XXXX for a past due balance of {$650.00}. I contacted Convergent Outsourcing several times via phone and regular mail in regards to validating the debt. Finally, I got someone who was able to help. The representative by the name of XXXX, stated if I pay the amount in full it will be deleted/removed from my credit. On XX/XX/2018 the account was paid in full, but still remains on my credit as paid with a XXXX balance. I was promised that this would be deleted, but I keep getting the run around about who suppose to have this removed. Convergent tells me XXXX has to have it updated. XXXX states Convergent has to have it removed. I am tired of getting the run around to have this deleted from all 3 credit bureaus.

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 2017-05-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I went to Wells Fargo to refinance my debts because I had lost my job and my income had substantially decreased. Instead of consolidating my debts they convinced to take out a new credit card. They told me to put down my previous income ( I was unemployed ) and the loan officer said " Because your probably going to find a job soon ''. My debt continued to get worse and worse and then they gave my son a credit card saying I could use that too. All together I think I had 6 Wells  Fargo bank accounts and three credit cards. When my debt finally got to be more than I could handle, I could no longer pay. Then Wells Fargo sued me in court. I could n't afford an attorney so I attempted to represent myself. Now my credit is destroyed and I 'm starting all over again. <P/>I wish they had just helped me refinance my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a modification application on XX/XX/2019 as successor in interest under Civil Code section 2920.7. My successor in interest status has been verified. 

Specialized Loan Servicing 's request for additional documents is unreasonable. SLS refuses to process my modification application with due diligence. It finds reasons not to communicate with me in good faith or process the documents I provided in support of my modification application properly as is required by law. 

Furthermore, SLS refuses to endorse my insurance proceeds for sewage damage to my kitchen. Please see XXXX letter to SLS for detail. THIS IS A COVID-19 HEALTH RISK AS I RESIDE WITH MY XXXX-YEAR OLD GRANDMOTHER.

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 2017-10-13
Company: Coastal Financial Solutions, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Repetitive phone calls to friends and family more than twice for each member, telling them that someone wants to file a complaint against me, inferring a criminal charge which is false. I am on XXXX and they can not collect from me and they have been told that. But they still call from all these numbers weekly harassing me and my family. Part of the messages are spoken by a human and the other parts are computer generated. 

XXXX CFS, Central Financial Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Also ID themselves as 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 CFS. XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CFS Legal Department XXXXXXXX  CFS XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS, Coastal XXXX CFS, XXXX XXXX XXXX , XXXX XXXX XXXX CFS, CFS/Coastal XXXX CFS, XXXX, XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS/XXXX  XXXX CFS Collecions XXXX CFS/Coastal XXXX CFS XXXX CFS  XXXX CFS XXXX CFS XXXX CFS, Coastal XXXX CFS XXXX CFS ( Using State Compliance Officer Scam Routine ) XXXX CFS, XXXX XXXX , XXXX & XXXX XXXX XXXX Coastal, XXXX XXXX , CFS, XXXX XXXX XXXX , Coastal Financial XXXX Coastal , XXXX XXXX XXXX , XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX Coastal XXXX Hopeful, CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX, XXXX XXXX CFS XXXX CFS XXXX XXXX, XXXX, CFS XXXX company calling for XXXX XXXX XXXX CFS XXXX The XXXX XXXX XXXX, CFS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-10-26
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ran a credit report through XXXX on XXXX/XXXX/XXXX. To my surprise, I found I had a balance due from XXXX accounts from Quality Asset Recovery ( QAR ). On XXXX/XXXX/XXXX I had received a letter from QAR stating my balance was {$0.00} on XXXX accounts as noted in attached documentation. Around the end of XXXX XXXX, I had called QAR to arrange a payment plan for my debt of {$2500.00}. Myself QAR agreed to make XXXX ( XXXX ) {$620.00} payments ( totaling {$1800.00} ) as you will see in attached checking account statements provided. I have not notified QAR as to my findings and I am asking for your help to resolve my concern with my credit report stating I still have a balance with QAR of {$1400.00} ( {$310.00} for XXXX account and {$1100.00} for another account ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Valentine and Kebartas, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received 8-10 phone calls at my place of business relating to debts owed to someone with the same name as me. The representatives have been rude and unapologetic. I have returned their phone calls 3-4 times, each time giving clear information that I am not the person they 're looking to contact, and that they need to remove me from their records. Each time I was told they would do so. Today I received another call, and on my return call back I spoke with a supervisor and reiterated my request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Continental Finance Company, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I became very Ill with tumors and was behind in bills but as soon as I could paid them. XX/XX/XXXX I made an agreement to continental Finance company for XXXX and XXXX. I made arrangements through them. Paid through them and paid as agreed. The letters I have said they would just say settled for less than the balance Then my credit report has CHarge off in XXXX, XXXX, XXXX closed in XXXX. I paid in XXXX. I dispute it and it just bounces back. I send the letters and bounces back. I call them and say well sorry we charged it of XX/XX/XXXX and you called us XX/XX/XXXX. we wont change it ITS WRONG, unfair, underhanded. 
1. I had no idea it was charged off, I wouldnt of even received the mail.

2 it states nowhere on the letters its a charge off 3. I made the agreement XX/XX/XXXX so I should definitely not have charge offs for the months of XXXX, XXXX, XXXX. 
4.I saw a statement in there website that they strive to be transparent and fair. They were definitely not that. 
5. XX/XX/XXXX and I made an agreement XX/XX/XXXX would awfully suspicious and convenient for them. 
6.Since there was no transparency, no communication, no anything. I want the charge offs for XXXX, XXXX, XXXX, XXXX to be taken off my credit report. Very underhanded and almost spiteful. I was sick and still am. I became XXXX. Every month they continue to ding me is more time I cant try to start over. I need a little compassion.

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 2015-08-25
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was put on file for XXXX services that I had not received and owe more than a XXXX for services I had not received or requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Franklin Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute illegal Charges against XXXX XXXX XXXX and illegal switching of my plan without my consent and that dispute was with XXXX XXXX credit card services fraud and claims. I won the dispute and what was a temporary credit became permanent. And acting of revenge XXXX XXXX XXXX used XXXX XXXX and Franklin collection companies to harm my financials and destroyed my financial records and unfortunately they succeeded. I was denied loans and the ongoing issue caused me emotional distress. I was able to make XXXX XXXX take off the negative item from my report but the so called Franklin collection gave itself the position of a judge and sided with XXXX XXXX XXXX and ruined my financials .i cant sleep anymore. I filed a complaint just recently against XXXX XXXX XXXX with the FCC : ticket number XXXX. I urge your bureau to protect my rights. This is so illegal. I attached the XXXX XXXX confirmation of dispute completed and credit permament to my credit account. I have XXXX of pages to show when we go to court soon and sue XXXX XXXX XXXX for all the damages and ongoing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was approved for the income driven repayment plan for 1 year and I am to reapply yearly. Nelnet AND XXXX credit bureau are inaccurately reporting my program as in deferment which is inaccurate and bringing my credit score down XXXX plus points. I have contacted Nelnet, credit bureau regarding this matter and received letters from both entities that it was resolved but it 's worse. I have been paying student loans for 10 years for a certificate degree with no late payments and finally approved on a program and now my credit is messed up from both branche 's with no resolution. I 'm in worse shape. I 'm complaining against Nelnet for innaccurate student loan reporting and XXXX for poor reporting, bad customer service and failure to verify information which has been submitted by myself and Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I moved from XXXX in XXXX 2015, I set up mail forwarding with USPS. As part of that service I got to select coupons from various companies. I selected XXXX from Citizens Bank which promised to pay me {$200.00} for opening a new account provided I make a certain number of deposits or debit card purchases within a certain time frame. I printed the coupon from USPS and brought it to Citizens Bank when I opened my account. I met the required deposit/debit card terms & waited for the money to be deposited. 

In XXXX 2015 I became concerned that the {$200.00} had not been deposited into my account. I contacted my local branch, and they attempted to help me. Over the course of several months I was passed around to a few different contacts at XXXX local branches ( XXXX teller and XXXX managers ). The final manager I worked with had been speaking to " someone '' in the " back office ''. He would not or could not tell me the name of the person he was speaking with in the " department that deals with offers like this ''. 

I provided the e-mail from USPS confirming this offer was made to me, but Citizens Bank claims they can not " verify my eligibility '' unless I can provide them with the specific coupon code on the coupon I already gave to them ( at the time I opened the account ). The e-mail I provided has a link to print the coupon ( which I did at the time I opened the account ) but now that so much time has passed the link is dead. I did not keep a copy of the coupon, and they will not accept the USPS e-mail confirming the offer was made to me, as proof the offer was made to me. I believe Citizens Bank used this coupon to gain my business with the intention of using any excuse it can to avoid paying the {$200.00}, despite the fact that I met all the terms to be eligible for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX I opened an account on American Express ' website with American express gold XXXX  skymiles card. It offered XXXX welcome points once I spent {$2000.00} in qualifying purchases within the first 3 months. I spent {$3300.00} on XXXX flights that day. on XX/XX/XXXX I have chat history on the app confirming that Welcome bonus was correct. My first statement was XX/XX/XXXX, that was when I was told I should see the welcome points. I noticed I only received XXXX miles when it should have been XXXX, XXXX. I reached out to the company and spoke to 7 different customer service reps who all told me that my welcome offer was denied with little reason why. I was told I had to fill out a complaint and I did. I also provided them with the snap shot of the message history where on XX/XX/XXXX I confirmed the bonus program and I was eligible per the Customer rep on the chat.

Company response to consumer: Closed with explanation