BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-20
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since 2010 I have been harassed every six months by US Bank to provide proof of flood insurance. 
Each time I receive a letter that says I must maintain at my expense, flood insurance in the amount equal to the lesser of : 1 ) The replacement Cost of the dwelling ; 2 ) The maximum available under the National Flood Insurance Program, currently {$250000.00} ; or 3 ) The total unpaid balance of the loan plus the total amount of all lines of credit, secured by the above referenced property. 
I currently have an outstanding principal balance of $ XXXX and a flood policy provided by the Condominium for full replacement value of the building for {>= $1,000,000}. I do n't think it matters what the per unit value calculates to even if I am upside down on the loan so long as the policy reflects that it is the " replacement value ''. 
I have also had to deal with in the past that the flood insurance does not match the amount of the hazard insurance. This is not one of the their requirements above. And they have to understand that different insurance companies use different models to calculate replacement value. And if one is over-insured on hazard insurance there is no reason to have the flood at the same value. The key is that the insurance declares replacement value.

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 2017-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We got a bill in the mail from Bank of America to pay our new escrow due. We did n't understand why the escrow due did n't reduce because two months prior we learned that one of our mandatory forced insurance premiums went down by {$300.00}. Upon investigating, we learned that our hazard premium 's dwelling value dropped by {$30000.00}. No one at Bank of America could tell us why. The other forced flood premium was still holding a dwelling value of {$40000.00} more than the hazard dwelling value. No one from Bank of America could tell us why. We were directed to call another number and it turned out to be the claims dept for the flood insurance and they could not help us. We then telephoned the phone number at the bottom of the hazard declaration page and it was not the insurance company named at the top of the page, but it was called Bank of America Insurance. Not even XXXX there could tell us why the dwelling value dropped, nor why it differed from the flood policy 's dwelling value by {$40000.00}. We then discovered that, ever so oddly, our city taxes and our flood premium went up for the new year the same exact amount our hazard policy went down - literally by the dollar. We are fascinated, but still, no one had any explanations for any of the changes. Bank of America said they would start a review. We 've heard that before when the difference between the two policy 's dwelling values were only {$10000.00} off from each other for the last 10 years. It makes no sense that the old difference has now turned into a {$40000.00} difference in value. We get no answers. We never get any money back when policy premiums drop. Why this year it happened we still have no answers for. Can you tell us? We tried to file through NYSDFS, but the claim 's Submit Button would not work.

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 2017-02-27
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently complained to you about XXXX billing me for charges unknown to me. I asked them to send me a detailed statement on what the charges were for with date of service, what my insurance paid and a copy of the signed contract for the date of service. They never responded to this request and instead sent me to XXXX XXXX collection agency. I contacted you regarding this matter and thankfully things were cleared up and the collection agency closed my account. Well I got a letter from a different collection agency that XXXX XXXX is trying to collect on. They are also trying to bill me a separate {$75.00} late fee. I have no idea why they keep doing this to me. I always payed the dental office what they said my portion was. They wo n't even work on you until they verify insurance coverage ad you sign a contract on what you owe. There were times I waited almost 2 hours in the chair because of their billing methods. I am angered and outraged that company is so disorganized and wo n't leave me alone. I do n't owe them ANYTHING yet they say I do but will not submit the proof I have been asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim and validity of this debt is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 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 on this charged off account. 

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 FCRA & FDCPA ; 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 may result in " counter claim '' small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 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. 

My contact information is as follows : XXXX XXXX XXXX, Texas XXXX 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. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Navient Solutions, LLC.
State: WV
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:
Navient does not report to the credit bureaus on a consistent basis. I have been making automatic, ON-TIME payments to them since XX/XX/XXXX, and they reported those good payments from XX/XX/XXXX to XX/XX/XXXX. Then the next year, to XXXX, XXXX and XXXX, they reported my XX/XX/XXXX payment and nothing else the rest of that year. In XX/XX/XXXX, there were no payments reported until XX/XX/XXXX. They did report XX/XX/XXXX, and so far I do see that XX/XX/XXXX has been reported on time. I am asking that they report my on-time payments from XX/XX/XXXX and XX/XX/XXXX to the bureaus for me so that I may continue to build and improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I recieved a call from a private number, saying they were with Navient. Saying they were trying to collect on a student loan i have. I have never gotten a student loan - EVER. When I refused to give them my info - they gave me a fraud number, but no one answered at that number. I want to make sure no one has used my info and I dont have a student loan. How do I verify this and not give my info to just anyone. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XXXX 2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX BANK Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX BANK Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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 a 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 2016-07-29
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been on economic deferment since I left college and my student loans are through XXXX XXXX XXXX, XXXX and Salle Mae. All of my loans are currently in good standing except for Salle Mae. They sent my loans to a secondary company that I was never able to call or contact. Every number I was given from the collection agencies and from XXXX to reach the secondary agency just lead to a phone number that listed offers for XXXX gift cards and XXXX services and then you could never get to an agent to try and find out why the debt had been sent there. I filed a dispute with a lawyer through XXXX services, but was never contacted again about if anything had come from it. Now there are XXXX loans in collections and they took my last years tax returns. Any attempt to file anything with Salle Mae was always difficult and I filed my documentation through FAFSA. My biggest concern is that SallyeMae had a secondary company it used that was unreachable and then they just had XXXX send my loans to a collection agency although I had filed forms with FAFSA for economic deferment and now they have gone so far the companies will not pull them back and the collection agencies do n't recognize economic deferment. I get countless calls a day from autodialers that do not leave voice mails and my tax returns are going to be taken again next year. Prior to this they in 2008 I was attending school and they were calling me telling me I had to repay my student loans although I was in school and was exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I FELL BEHIND ON MY MORTGAGE PAYMENTS IN XXXX BECAUSE OF CIRCUMSTANCES NEEDED TO CARE FOR MY GRANDCHILDREN WHOM I HAVE CUSTODY OF.I HAD TO GO FROM WORKING FULL-TIME TO PART TIME WHICH I THOUGHT WOULD BE FOR A FEW MONTHS, BUT IT ENDED UP BEING LONGER. I REACHED OUT TO MY MORTGAGE COMPANY TO SEE IF I COULD GET A EXTENSION OR TO SEE ABOUT AN MODIFICATION.I WAS ASSIGNED AN CASE MANAGER XXXX XXXX AND THIS WAS BY VIA MAIL. THEY SENT ME DOCUMENTATION AFTER DOCUMENTATION OUTLINED WITH WHAT THEY NEEDED TO START THE PROCESS.WHICH WAS IN XXXX.AT THE TIME I WAS ONLY BEHIND 2 PAYMENTS.EACH WEEK I HAD TO SEND MY INFO VIA EMAIL, FAX OR BY MAIL. WHICH I CHOSE FAXING SINCE IT IS INSTANTANEOUSLY. WHICH WAS THE FINANCIAL BORROWERS STATEMENT WORKSHEET, MONTHLY EXPENDITURES WORKSHEET, XXXX, REQUEST FOR TRANSCRIPTS OF TAX RET. HARDSHIP LETTER, XXXX FORM, BANK STATEMENTS, PAYSTUBS. I FILLED OUT ALL OF THEM. I SENT THEM ALL BACK VIA FAX, BUT NEVER HEARD FROM THEM. EACH WEEK I CALLED MY CASE MANAGER WHO WAS NEVER IN.LEFT SEVERAL MESSAGES, AND NEVER HEARS FROM HIM.I STARTED TALKING TO JUST RANDOM CASE MANAGERS TO TRY TO SEE IF THEY KNEW THE STATUS AND EACH TIME THEY STATED THAT MY DOCUMENTS WERE HARD TO READ, OR WAS TOO LIGHT, TOO DARK, OR SLANTED, BUT INSTEAD OF CALLING ME BY PHONE IN A TIMELY MANNER TO RESOLVE THE ISSUES WITH MY MODIFICATION APP, THEY WOULD SEND IT VIA MAIL.I JUST BELIEVE THEY TRY TO PROLONG IT SO I COULD LOSE MY HOME. ALSO ON THE DAY I CALLED BACK TO SEE IF THEY RECEIVED MY INFORMATION BECAUSE I DID N'T HEAR FROM THEM, THAT WAS AFTER XXXX ON XX/XX/2016.THEY SAID I NEEDED TO SEND IN ANOTHER BORROWERS FINANCIAL STATEMENT, WHICH I SENT IN XXXX AT THE VERY BEGINNING OF THE PROCESS, WHY WOULD YOU ASK ME TO RESEND IT AGAIN IF YOU ALREADY KNEW YOU COULD N'T READ IT IN XXXX. THEN I FELT LIKE THEY WERE UP TO SOMETHING, SO I RESENT IT THRU FAX ON THE SAME DAY I CALLED THEM THE FOLLOWING WEEK AND THEY SAID THEY RECEIVED IT, AND TO ALSO LET THEM KNOW I HAD DIFFERENT CIRCUMSTANCES THAT WOULD HELP ME FINANCIALLY TO MAINTAIN MY HOME. THEY DID MENTION THAT IT WAS ALL COMPLETED AND BEING REVIEWED.SO I JUST WAITED, THEN I CALLED BACK THE FOLLOWING WEEK BECAUSE AGAIN THERE WAS NO CORRESPONDENCE BETWEEN THE CASE MANAGER AND I.HE WAS NEVER IN HIS OFFICE, ALWAYS ON VACATION. AGAIN I SPOKE TO ANOTHER CASE MANGER WHO INFORMED ME IT WAS DENIED AND THEY WERE SENDING THE INFO IN THE MAIL, WITH SHORT SALE INFO, OR DEED IN LIEU. I JUST FEEL LIKE THERE WAS NO HELP FROM THEM TO EVEN TRY TO HELP ME THROUGHOUT THE ENTIRE PROCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I FILED DISPUTES AGAINST XXXX AND OTHER INCORRECT INFORMATION ON MY EXPERIAN CREDIT REPORT. EXPERIAN TOOK THE DISPUTES, INDICATED AND/OR CORRECTED THE DISPUTES, REPAIRED MY CREDIT SCORE ... ... EXCEPT FOR THE XXXX ISSUE ; THEY STILL SHOW XXXX 'S COMPLAINT BUT DID N'T SHOW OR DISPLAY MY COMPLAINT AGAINST XXXX. I HAVE NO OTHER DEROGATORY ISSUES OR ANYTHING THAT WOULD LOWER MY CREDIT SCORE WHICH IS STUCK AT XXXX. WHY WO N'T EXPERIAN SHOW MY COMPLAINT ON MY CREDIT REPORT OR SHOW THAT IT 'S BEING DISPUTED. THIS WOULD EXPLAIN TO EVERYONE THE DEROGATORIES FROM XXXX ON MY CREDIT REPORT. I OFFERED TO NEGOTIATE THE AMOUNT WITH XXXX BUT TO NO AVAIL. I FILED A COMPLAINT OF FRAUD AGAINST XXXX WITH THE CFPB. ALL MY COMMUNICATION WITH XXXX AND EXPERIAN HAS BEEN ONLINE SO I DONT HAVE ANY DOCUMENTS ONLY COPY OF MY CREDIT REPORT ... .I AUTHORIZE YOU TO PULL IT FOR YOUR REVIEW IF YOU NEED TO DO SO ...

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 2017-04-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this bankruptcy with Experian and also asked for method of verification. They have not given me this information they stated that they verified the information with a third party vendor. I have been to the court to ask for them to show me the information they said that they can not verify information. The clerk told me that they NEVER EVER report anything to any bureaus or vendors and they do not verify anything with the bureaus. The credit bureaus are not validating any information with the originator of this said account this said account was not even reported by the courts that is said to be reported. A third party is hear say and is not validation. Experian owns this third party vendor as well. The courts cant and wont produce my signature on any paperwork so i am asking again for them to remove this inaccurate account. Or Send me method of validation with the courts and the name and contact information from this person so that i can dispute directly with that person because this is inaccurate. Third party is not valid. If the courts wont produce a contract i am asking for Experian to produce my wet signature that is being used to validate this bankruptcy.

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: WESTERN UNION COMPANY, THE
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As per attached letter and agreement between CFPB and XXXX ( XXXX ), XXXX sent me the reimbursement check {$440.00}. However, I was not able to deposit the check on time due to relocation, and the copy of the check was given to me just recently. I called the number on letter and requested to reissue a check as it is already expired. Unfortunately, my requested was denied. They recommended to contact CFPB to resolve the issue. Please, advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I submitted a credit card application with Navy Federal Credit Union knowing that my chances of approval would be slim, due to credit history. I was n't surprised that I was denied when I received my adverse action letter however, the reason for denial felt discriminating. To my understanding if reason for denial was based off of credit history, it should have been specific what the decision was based off of. None of that was indicated, and I assumed that it was my bankruptcy on file that affected my chances. If so, that still was n't the case. Regardless of the reason, consumers should be aware of the specifics of denial. This would alert consumers of ANY negative reporting that causes a huge impact on their credit. A possibility of something a consumer is n't aware of ; which would then be considered fraudulent activity. 

The reason for my DENIAL is stated below : ** YOU CAUSED NAVY FEDERAL A LOSS ** This is NOT a legitimate reason for myself as a consumer. There are so many regulations in place regarding consumer rights and protection, yet many consumers need to take actions themselves because certain regulations are n't being followed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JH Portfolio Debt Equities, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was called by a representative of JH Port Debt ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from XXXX, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only XXXX years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). 

He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. 

When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with XXXX, he threatened to call my current employer and inform them that I owe a debt. 

In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation