BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-09
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage with PHH Mortgage since XX/XX/XXXX. I recently declared a Chapter XXXX. My Mortgage Company Froze my account until the case was resolved which I understand is the correct thing at that point. However, As perXXXX/XXXX/XXXX, my lawyer as told me that '' All disagreements about my case with my mortgage company have now finally been resolved and I can now start to make a regular monthly payment ''. I need to know the correct monthly amount now and going forward. as well because my annual escrow statement was mailed to me saying my payment will change, so I am also not sure which amount to use {$710.00} or {$670.00} or something else? However the BIGGER issue when I have now attempted to make a payment and get the correct amount to pay they tell me the amount, no one at PHH Mortgage will except or let me make my payment. They say their system has not been updated on the case details and my account is still Frozen. Some of The departments with PHH Mortgage that I have tried to make a payment too are : ( Regular Service Dept, Loss Mitigation, Foreclosure, Default, Online, Their Attorney and they tell me if I mail a payment and the system is not updated they would not even take that. They would send my check back to me with a letter ). By Bankruptcy law, I must make all required payments as indicated and this payment is one of them. By blocking me from making a payment, I can have my case dismissed by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Frost-Arnett Company
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an unsolicited text message on my cell phone from " Frost-Arnett '' noting it was an effort to collect a debt. After searching to ensure the firm was legitimate, I called their office to ask about the notice. I spoke with a service representative who checked the file and informed me it was a " wrong number. '' I have been very responsible with my finances and have been impacted by the coronavirus pandemic ( my wife lost her job and basically half our income ) and getting a debt collection text really shook me up. Bad form. Sloppy business practice and I feel it must be noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Western Portfolio Assets
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
" XXXX '' stated he was a process server serving a law suit and to report to " XXXX '' which is a phone number. He called me a load when i said that they cant serve papers over the phone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-05-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX/Navient is unable to service my loan and apply my payments correctly. 

It has been going on for XXXX years, but since the last XXXX months it has become predatory. XXXX months ago I called into to change from a XXXX repayment program to a program where I would pay the same amount for the life of the loan. They said my new payment for the duration of the loan would be a little over {$700.00}. XXXX months later, they called me back and said they " forgot '' some of my loans and my new payment would be {$890.00} per month. I would not have changed to the fix payment program had I know it was going to increase so much. After they guaranteed me over the phone that the $ XXXX amount was what I would pay for the life of the loan, I then decided to re-assess my budget and purchase a home with my wife. Then, shortly after purchasing a home, they called and said they " forgot '' about {$190.00} in charges. 

Since then, I have to call in every month to make my payment. Every month I am told I owe a different amount, ranging from {$100.00} to over {$1200.00}. Every month I am told that my previous month 's payment was applied incorrectly by the customer service associated I spoke to and that the current month 's payment would be applied correctly. My payment has not been applied correctly in over XXXX months and XXXX XXXX/Navient refuse to research into the issue OR call me back regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX, I received a text message from Bank of America ( henceforth BoA ) asking if a few suspicious transactions were legitimate. I immediately responded " NO '' as directed. Immediately afterwards called BoA to cancel the card, where I was told that the card was cancelled. 

In actuality, they never cancelled the card, and the thief went on to continue using the card, withdrawing XXXX dollars. I have been back and forth with BoA three or four times, and each time they say they will re-open the claim, and every time they say it was not their fault and re-close the claim. 

Again, I flagged these transactions and called to cancel the card and got confirmation that it was cancelled, and they never actually did! MOST of the theft occurred AFTER I called BoA to confirm the fraud and cancel the card. 

At this point, I am out over $ XXXX, and they keep giving me the run around. How can Bank of America act like this? They flagged the transactions to me in the first place and I called in to cancel the card! This is entirely their fault, and it has put me in a serious pinch.

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been a customer with Bank of America for over 16 years. I have a credit monitoring service that contacted me regarding possible Credit Card ( CC ) issues that will affect my credit rating. The card was issued by Bank of America ( BOA ) and according to them I was a co signer. According to them this was for my daughter and done XX/XX/XXXX. The report to my XXXX rating account was due to the card going overlimit ( Not for non payment ). I canceled the CC so further issues were not created, and requested they investigate the matter as I had no record of this. BOA sent me a Fraud application to my accurate address dated XX/XX/XXXX. Since I did not know anything about this card my daughter said this was her card and I told her I had canceled it and she could get another, and she needed to pay off the balance. I was never contacted again. XX/XX/XXXX I was offered a CC by BOA for a XXXX. I applied and was given a card with a 25 % interest fee. When I checked my credit report I found that BOA was reporting that I had not paid the questioned account we discussed XX/XX/XXXX. BOA had all the information to help correct the problem. BOA has not contacted me with a demand notice or any further request to clear the CC issue but they did kept sending to the credit report companies I was Not paying my bills. BOA now have a way of posting to my Credit account deficiencies I know nothing about but will still give me credit at high rates!! 
So a BANK of AMERICA can ruin a persons credit then offer them credit at much higher rates because of low credit scores that Bank of America inflicted on the consumer. I spent over 12 hours trying to get them to correct my credit report. I was advised that the CC was paid in full, I am not in cummunication with daughter but via third party told her to pay the bill - however BOA will not correct the damage to my credit rating. This is Bank fraud!!! - Nothing further was snet from BOA to me. I assumed that because the

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX  XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX XXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are not mine, FCRA violation XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY all the above are incorrect, CPRA violation

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 2017-04-06
Company: Account Liquidation Services Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Describe what happened so we can understand the issue ... Account liquidation has a account that 's in collections that I have disputed twice thats on my XXXX credit report that has been discharge in a chapter XXXX bankruptcy that I filed last year in the state of Mn. 



XXXX, Mn XXXX Re : Acct # To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

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 2016-01-22
Company: Mitchell Rubenstein & Associates, P.C.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Mitchell Rubenstein and Associates has only XXXX person answering phone calls and returning messages. It took more than a week for me to finally get to speak to a human being and I had to call 6 times in a row in order to finally get a human. I received notice on Thursday XX/XX/XXXX that they had placed a garnishment freezing all of my accounts and my family 's accounts at my employer and financial institution. I began calling immediately and could not get a human - just an answering machine. I left several messages and received XXXX message back on Weds XX/XX/XXXX at XXXX. Today XX/XX/XXXX I called six times in a row in effort to finally get someone to talk to. Her excuse was she was the only one answering the calls and that they were a little short staffed. Here I am trying to pay a bill and ca n't because they 've made it impossible to pay them unless I want to offer my frozen checking account information to them via internet or phone system. Being a victim of recent identity theft through the IRS I did not feel comfortable in sharing that information without speaking to a human being. They should find more people to handle their business or perhaps not handle as much business until proper service can be provided. Worse yet I could n't pay them unless I borrowed money from someone and pay them back when my funds were released at my financial institution. If I issued a ACH debit through their system it would be returned due to the freeze they put on the accounts. " A catch 22 '' as the agent at Mitchell Rubenstein stated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
account taken over and breach of contract, with eLigible baLance kept after cLosing acount, ruLes that no charges on the account in event of IDtheft, but was ignored and impLied my family maybe invoLved? plus gave it to third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have XXXX dogs who at times require vet services. About 3 or so years ago this happened and I could n't pay so I was set up through Care Credit which as it was then only for pet vet care. The bills plus maintenance continued and I have n't been able to get a handle on it. When I have had to use the card the staff at the vets tells me that if my cost is " low '' my interest rate will be high. Like I have a choice. So I am backed in a corner paying {$10000.00} per month but it seems that the interest is more than the bill. Then independently Amazon wanted me to get their credit card which I responded to to get some perk and then I was going to cancel. I think it was the same outfit whic I believe is GE. So when the Amazon clicked on the availability of Care Credit was kaput. I 'm sure I 'm not alone in this. I am shocked that the least of us is penalized the most. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: Penn Credit Corporation
State: PA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-03-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I wrote XXXX XXXXXXXX XXXX XXXXXXXX or at least attempted to via mail. Unfortunately, the letter was returned to me. This address was listed as their contact information on my credit report. So I flied a complaint as I'm trying to resolve the issue. On XX/XX/XXXX they responded back saying that letter was sent to their Virginia Office which has been closed for serval years and the credit reporting agency should not be reporting that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
My son fell XXXX the dentist insisted we use the Care Card in order for my son to treated originally the cost was XXXX per XXXX but when we returned the cost was the max amount the card had qualified us for. but I tried paying as much as I could a month then I contacted the Card Bank and they agreed to close the account and let me pay off the balance at XXXX a month while making regular payments of an established amount 64.00 $ .Carecard increased payment amount and when they only received 64 $ they added 35 $ fine. They have been adding fee after fee adding it not to the overall balance but to the monthly payment making it very difficult to know exactly how much the payment needs to be and if the amount is not correct they fine you.. so I have been paying on this for quite a few years and they reactivated the account so they could increase the interest and charge more fees. I will pay off the card at the agreed upon amount of XXXX a month the amount should be no more thanXXXXXXXX at this time. However they just keep charging me more. I have contacted several service reps at GE CAPITAL RETAIL BANK/SYNCHRONY BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX/XXXX, XXXX/XXXX  XXXX, and Bank of America. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$25000.00}. The Account Opened is XXXX/XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$6000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Pacific Union Financial, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My VA Loan, my mortgage company are taking my escrow and increasing my morgate Payments 15-25 % saying they have sort and illegal XXXX insurance on me even thought I have paid up Insurance already for 12 months, now after money complaint The send me a letter saying that my morgate account Have ecsow surplus now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation