BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-08
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been misled by the representatives of M & T Bank and I can not understand the poor treatment I have received during the servicing of my mortgage loan. I have lived in my home since XX/XX/XXXX, and I 'm an active member of the community ( I volunteer with my church and with my son 's school ). But I am in jeopardy of being forced out of my house through foreclosure because M & T Bank refuses to work out a reasonable solution. 

This property has had its issues since I purchased it. The appraisal and inspections failed to inform me of the XXXX unit being old ( I had to immediately replace it ) and of the foundation issues I had to repair. But this is my home!!! I worked hard to get this home and I want to keep it. 

In XX/XX/XXXX, I lost my job as a XXXX since XXXX forced them out of business. I struggled by using my savings until I could n't anymore and fell behind on my mortgage. After back and forth trying to get help, the lender offered me a forbearance agreement that I complied with. Eventually I got another managerial job and applied for a modification, but all M & T offered me was an unrealistic and irrational proposal which only dropped my payment by $ 100/month, which was n't going to help me. 

Their entire operation operates like a group of bullies and thugs, not businessmen. While trying work with them on a solution to this problem, the representative ( XXXX I believe ) told me I should just " put it up '' ( meaning put my house up for sale!!! ). She knew I was n't going to get the help I needed to save my home!!! 

I want their office to take a hard look at the servicing history of my loan and the possible retention options so I can get back on track with my mortgage. Is n't that what they are obligated to do after taking my tax dollars to bail their business out? I 'm not asking for a handout, just a fair and reasonable solution that allows me to keep my home. 

M & T Bank has turned my life upside down with their deceptive, unethical, and probably illegal activities. I am very kind, but also tough and resourceful. I am left with no choice but to engage elected officials and regulatory agencies to help me against this lender. I would have preferred to deal with them directly, but they have proven that their organization just another greedy company interested in profits without care for the well-being of their clients. I would appreciate any assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other fee

Complaint:
On XXXX XXXX, 2016 we paid {$4000.00} to pay off our Citi Credit card ( last XXXX account # XXXX ) and received a interest bill for {$27.00}. Per statement and agent XXXX at Citi Bank they charge DAILY interest on the account for money owed up through the end of billing cycle and/or the time the payment is processed. The account was paid off based on their information and now they are charging us for money that has already been received by them. 

If they continue with " daily billing '' it will be impossible to pay off a credit card, if of course we paid per their billing statement. 

However, theoretically, even if I sent money and they received the money the same day as our billing cycle begins, they can still bill me interest for the hours or the day it takes them to process the payment. 

So according to their business model and legal agreement, I WILL NEVER BE ABLE TO PAY THE ACCOUNT IN FULL!

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 2020-08-17
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I test drove a XXXX  XXXX  and signed to buy. The next day it would not start. The dealer picked it up. It's been 21 days. I think it may have been in a flood so there are un fixable electric issues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For quite sometime I keep getting abusive and harassing phone calls from Portfolio Recovery, on both my business and my cell phone. These phone calls are multiple times daily. I have asked them to stop phone communication and use the USPS mail to contact me, however they refuse to do so. I have no idea what exactly it is they are trying to collect. This is interrupting my business and my personal life. When I do answer them they use threatening and abusive language and basically do not let me get a word in to tell them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no dates other than XX/XX/2017. I have told this collector to stop calling my job and to send me written notice several times and he has done neither. Today when I reminded him again that I have asked him repeatedly to stop calling and that I was going to file a complaint he got spicy and said that he does n't care about me filing a complaint. I hung up and he called my personal line.

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 2017-11-21
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX collection agency is reporting that I owe {$310.00}. I 'm assuming for XXXX. They put the report on me in XXXX XXXX. XXXX was not mine. I had ordered something from them over and closed the account. When I moved out of state I believe the account was reopened by my ex and his gf. I disputed XXXX XXXX XXXX and they removed there neg reporting and my balance to {$0.00} so I do n't owe this collection agency anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXX XXXX XXXX  -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX  -updated balance and never deleted like they said they agreed to do.

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 2016-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was XXXX hours a way from home and I tried to use my debit card to buy gas and I was told the card was declined. I call Bank of America and they said that my card has been canceled. I try to tell them that I am far from home and I had no money for gas and all I need is access to my money and they said there is nothing they could do. Do they have the right to hold my money and black me from accessing my own 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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have the right as a consumer to report In accurate information on my credit report. I have written several letters with no response from the credit bureaus, or any information has been provided on this account. 
XXXX  XXXX XXXX. account # XXXX ( 11 XXXX  XXXX XXXX ) balance amount XXXX opened XXXX XXXX is inaccurate. No account was opened with this company on the date referenced 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 non-monetary relief
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX of XXXX a collection account through XXXX XXXX XXXX in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by Experian, XXXX, or XXXX  that this collection would be placed back on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX of XXXX a collection account through XXXX XXXX XXXX in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by XXXX, Equifax, or XXXX  that this collection would be placed back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I opened up a chime account in order to get my pua assistance. On XX/XX/XXXX I received an email from chime stating I had received a deposit of {$2700.00} dollars. Then later that day received another email to confirm another deposit of {$9600.00} was also deposited onto my chime card.During this time I still have not received card in mail. Then on the XXXX I received an email stating they closed my account and was not eligible for refund because I some how violated there amendment # 9. I did not receive my card until the XXXX. So I called the number provide by chime and when you call they ask to type in phone number so they can access the account so I do that but then an automated message comes on and says I'm sorry your account has been closed and then it hangs up. I've filed with the Bbb but haven't received a response in over 3 weeks. So now I'm trying to see what you can do to help me.in this situation. Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is regarding the manner in which Bank of America has chosen to handle the short sale process. 
Complaints are as follows : ( 1 ) Not communicating with the realtor in a timely manner to ensure that documents where submitted. 
( 2 ) Repeatedly asked for multiple documents that were submitted on a number of occasions. 
( 3 ) Frequently lost documents that were faxed multiple times and then when stated by Bank of America that they received it they were not legible or not in the correct format, so either documents were refaxed or reloaded into the equator system on several occasions. 
( 4 ) The phone number to the assigned short sale representative, when contacted is usually disconnected or out of service. 
( 5 ) Failing to respond or return phone calls and voicemail messages from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the short sale specialist XXXX XXXX XXXX ) XXXX ext. XXXX. 
( 6 XXXX Frequent phone disconnections. 
( 7 ) Failure of delivery of timely and acute information regarding the short sale application/process, for example the amount of the appraisal. 
( 8 ) Submitting an offer and the sale date was not postponed. 
These are a few of the many concerns/complaints regarding the loan. 
According to Bank of America records I, current owe more than what the property is worth and after several attempts to receive a loan modification I decided in order to prevent a foreclosure that a short sale was my best option. However in any application that is submitted to Bank of America regarding a loan modification or short sale, I feel that Bank of America is not giving the opportunity to rectify the situation with an active offer on the property. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: CA
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 have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to Equifax, XXXX and XXXX. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for re-modification loan file with Bank Of America starting months ago with my husband but was decline with my husband due to LTV/ratio and was told was qualified to do a short sale ; however due to changes in my marital status, I re-applied on my own immediately right afterwards. Bank Of America still had all my information from previous loan application submitted with exception of the separation/divorce agreement ; however other than my processed application, Bank Of America kept requesting the same information over and over again that was given previously one being the XXXX. I sent them the actual Tax Returns XX/XX/XXXX and the signed XXXX a few times. They requested the my HOA information a few times after I forwarded this information to them and all this was before there was a Foreclosure date of sale date on my home. After all this I finally received a letter in the mail stating that my home was schedule to be foreclosed on XX/XX/XXXX and at this time the only document underwriter was awaiting for was my Separation/Divorce Agreement I sent the a copy of the agreement but it was signed to show proof of my situation. Prior I spoke to a Manger who informed me while speaking with underwriter that only document awaiting was the Separation/Divorce Agreement to complete the review and postpone the Foreclosure on my home, I forward the information once signed and notarized on XX/XX/XXXX from my attorneys office as requested and received fax confirmation that documents were received with all the pages. I called Bank Of America per instructions to verify and Representative stated they did n't receive the documents even though I had a confirmation stating they did. I refaxed and was told by XXXX XXXX that I was too late and possibly the foreclose will still go through even though I was told by Office Manager that once I faxed the required document needed the Foreclosure will be postponed to allow the Underwriter to complete review and inconveniently non of the conversation I had with the Office Manger was documented within the system per XXXX XXXX that happened on XX/XX/XXXX. I 've been given nothing but the run around when seeking assistance with trying not to lose my home with the constant request of documents already given and having to keep giving the same application information like my income which was done on previous application and new application entered only to receive no help. I do n't know what else to do. If I lose my home I do n't have anywhere else to go.

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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I sent a money order in and it did n't get posted. My payments are never later than a day after. I noticed my payment did n't post after 7 days from the due date. I called and I was told I have to send a copy of the check being cashed. After doing my research to recover my money order stub. The copy of the stub showed that I forgot to put my account number on the money order. I sent a copy of the money order being cashed by Navient to Navient. I have yet to see my account be credited the amount of {$87.00} since XXXX XXXX, XXXX. Same thing happened to my husband in XXXX in the amount of {$280.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-22
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The families at the XXXX XXXX XXXX XXXXXXXX gifted me a {$200.00} Vanilla Gift Virtual Account. I then used the card for 2 purchases ( {$27.00} and {$17.00} ), and went to use it for another purchase but was declined due to insufficient funds. I immediately went to the online account and saw that 7 additional purchases had been made that were not mine. I called and reported the fraud, at which time Vanilla froze the card and remaining balance. They told me they would investigate the purchases and try to get the money back, and in 90 days I would get a replacement card with the leftover balance on it. I still have not heard or received any of the balance at this time ( 3-4 months later ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
These inquires are not recognized. Have sent in several different request stating these were not authorized. Some inquiries are showing up multiple times on report These are the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a XXXX account for a XXXX - XXXX. We received an award from the Department of Justice and I submitted an XXXX form to have funds electronically deposited. The DOJ tried to confirm the account with Bank of American and got no response over a 2-month period. They called me with this problem and I went into the Bank of America branch at XXXX and XXXX in XXXX OK to ask them if they would contact DOJ and confirm my account. I met with branch officer XXXX XXXX. She told me that there was nothing she could do and it would have to go through a fax line. She had no other information and did not offer to assist. I asked her for a phone number to a department within BOA that could help. She offered no help. I then attempted to contact DOJ while in her office to see if there was a way to expedite a resolution. She got irate, told me that I was " wasting her time '' and " to get out of her office ''. She was screaming to get out. My colleague was with me and commented that she did n't need to yell and she then said she was calling the police. When asked what happened to customer service, she yelled " Shut up! '' I will be closing my account with BOA. I would hope no other person trying to get a problem resolved has to interact with this very rude individual who should absolutely not be working with the public. This incident was at the least an unprovoked verbal assault.

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