BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home XXXX at that time my lender was XXXX XXXX. After closing XXXX  sold my loan to SLS loan servicing. I received a welcome letter from SLS stating that I would be making my mortgage payments to them starting XXXX. I actually made my 1st mortgage payment to SLS on XXXX. About a week or 2 later I received a welcome letter from XXXX XXXX   XXXX  stating they would be my new loan servicer and that I would be making payments to XXXX. Now mind you by this time I had already made the 1st payment. So in XXXX I call to make my payment to XXXX and they informed me I was late. I explained to the representative that I had made that payment with the old loan servicer. XXXX also stated that SLS should've forwarded the payment to XXXX. So I contacted SLS and they informed me they would forward the payment within 30 days to XXXX. Here it is 2 months later and SLS still has not released the payment and now XXXX has threatened to report me to the credit bureau as late. At this point I don't know what to do because I can't afford to kick out a extra mortgage payment and it seems like SLS will not be returning my payment to me or XXXX. SO PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: OK
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:
605b complaint was not answered in a timely or proper manner in accordance to FCRA. I request immediate compliance or reasons as to why my complaint was not answered lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: National Credit Adjusters, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The caller XXXX from National Credit Solutions called my place of employment. I asked to remove the number and not to call my workplace and they threaten to call back again and then requested to speak to my supervisor. The gentleman was very nasty, rude and disrespectful when speaking to me over the phone. I simply asked not to call my work place and he continued to say that he was calling back again and threaten to speak to my supervisor. The number I was called from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is unknown to me, I have disputed this. I do not have a 2016 medical bill owed. I would like to review my signed authorization for this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
PLEASE REOPEN THIS FILE AS NONE OF THESE ISSUES WERE PROPERLY ADDRESSED! IT IS MY LEGAL RIGHT AS A CONSUMER TO HAVE MY CREDIT FILE TO BE 100 % ACCURATE AND MY FILE WITH THIS COMPANY IS NOT THIS IS WHY I FILE MY COMPLAINT WITH THIS AGENCY! PLEASE DO THE RIGHT THING AND REPRESENT ME PROPERLY AND HELP ME WITH ALL THE INFORMATION DOCUMENTATION I PROVIDED YOU TO HELP ME GET MY CREDIT FILE WITH THIS CREDIT REPORTING ANGENCY 100 % ACCURATE!! I WILL BE ALSO SENDING THE SAME INFORMATION TO THE FTC! THANK YOU AGAIN FOR YOU HARD WORK ON HELPING US AMERICANS!! BLESS YOU!! I FORMALLY REQUEST THAT YOU REOPEN MY COMPLAINT AGAIN!! 
XXXX, XXXX, AND XXXX THESE WERE ALL CLOSED AND NEED TO BE REOPENED WITH THE INFORMATION PROVIDED PLEASE! 


THESE CREDIT REPORTING AGENCIES NEED TO BE REPORTING 100 % ACCURATE INFORMATION AND NOT WHATEVER THEY WANT TO REPORT! THIS WRONG INFORMATION HURTS ME AS AN AMERICAN AND AS A CREDITOR!

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 2017-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On the evening of XXXX XXXX, 2017 I went to the Bank of America 's Teller Assisted drive up window at XXXX XXXX, FL to cash a check. But when I placed the check into the machine it got lost, so the video teller started a claim dispute process and told me it could take up to 45 days. 

In the following days I called the telephone number he provided to inquire if anyone had even looked for my check outside in the ATM machine. But the only response I ever got from the Bank of America was that its investigation was underway. Later, I received a letter indicating the bank would issue a temporary credit line for the amount of the check while it conducted its research. Then after a week, I received a response from the bank stating, 'We have concluded our investigation and determined an error did occur ' and that 'The temporary credit for the amount is now a permanent credit, thus closing this dispute '. 

When I gave my check to the Bank of America I expected to promptly receive cash or have my check returned to me upon request. I had the right to know the whereabouts of my check and the bank had an obligation to locate it in a timely manner. It took the Bank of America over a week to cash a simple check and never admitted any wrongdoing on its part or apologized for its error. Instead, the bank slapped me with credit and treated my concerns as unimportant.

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: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
NAVIENT, since I 've been associated with them since XX/XX/2003, has always deceived me and made payments impossible. Their deceptive and predatory tactics have caused me to go into default and unable to obtain a federal PLUS loan to complete my graduate education. Furthermore, when I was receiving XXXX, I was constantly harassed by " customer service reps '' that Navient can and will take money from my XXXX. This is n't just a problem for the elderly but also the XXXX who do n't have a voice. I am unable to secure housing and will be homeless in the future as felons, especially registered XXXX offenders, have easier than ever access to affordable housing no matter their credit situation with special government programs that overlook their credit and criminal histories. I made many attempts to make reasonable payments to NAVIENT who repeatedly refused them and told me if it was n't the full payment I would still go into default. Everytime I call them to discuss payment options they have refused and told me good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: COAST PROFESSIONAL INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Coast Professional has illegally reported to XXXX a derogatory account after I filed a complaint with the CFPB XXXX back on XX/XX/2020 against them stating my notice of dispute of validity of the information provided. I REQUESTED The debt to be sent back to the original creditor there is identity theft and fraud related to this matter. They have have sent the derogatory information anyways to my credit report violating my rights under the FDCPA. The information was disputed within the 30 days of validity and requested to send back to the original creditor due to identity theft and fraud. Your breaking the law reporting to the credit reporting agencies anyways. I will seek litigation if this isnt removed 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 2020-04-16
Company: GUARANTEED RATE INC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX of this year, my wife and I applied to refinance our VA loan to a VA refinance for IRRL, from 4 % to 2.75 %. When the Mortgage Processors reached out to request document uploads, they provided the Loan Estimate on XXXX, so within the 3 day business days, from there I reviewed all fees on the LE and closing costs. I received a second email a day or so later requesting that I pay a {$150.00} application fee, which was a surprise to me because nowhere on the loan estimate, itemization of fees, or the advance fee deposit agreement. After I informed the processor that I wasn't going to pay the fee and take my business elsewhere, this was her response : " Hi Mr. XXXX, I just reviewed your file and youre absolutely correct, the application fee was not listed on the Loan Estimate. Since this fee was not properly disclosed to you at the time of application, we can not charge it to you. Please disregard the request to pay the application fee. My apologies for this oversight on my part. I appreciate you brining this to my attention. '' XXXX XXXX A couple days have since passed from the date of that last response, and I have received this today : " Hi Mr. XXXX, I hope that you are having a good week so far. I just wanted to follow up with you regarding my error in stating that you would be charged an application fee and to see if you have any questions. As I previously stated, you will NOT be charged the application fee as it was not disclosed to you initially. The only fees that will be charged to you are the ones that have already been disclosed to you on your Loan Estimate. I am happy to discuss over the phone if you like, just let me know the best time to reach you. My deepest apologies for my error and any confusion I caused regarding the fees you would be charged. 

Have a great evening, '' On my client " to do list '', there is still a requirement to pay this erroneous fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Wrong Hard inquires on my report that I did n't authorize.

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 2016-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I just noticed that i get charged an interest rate charge for making a payment transfer from my checking account into my credit card account ( online, both accounts are with BOA ). 
For the past 8 months or so ive been paying a regular {$150.00} a month into my credit card. Thinking everything is ok i never really checked unit today, turns out the actual value of my payments were only {$50.00} because the other {$100.00} have been charged to me as a transfer fee. If thats not stealing, I dont know what is. 
What is the point then of having multiple accounts with this bank if you CAN NOT use them with each other? BOA always makes that argument, saying it is good and beneficial to have multiple accounts with them. This proves that this is a lie of theirs and that they are crooked thieves. I might as well have an account in a different bank and pay from that bank into my credit card, that way their transaction fee is justified. 
Most ridiculous thing i have ever heard, I wish i was not banking here anymore. 

Yes some might argue that I should have read the policy or that i should have been checking from the beginning, its not the banks fault. I would say that is why the USA is the way it is, you keep supporting crookedness. 
I did what almost all Americans do, I did not read it true and did not check, but that does not make it right. BOA even makes it so clever and easy for you to be charged this fee, online they 've placed a button that says make payment, once you click it easy lets you select what accounts you want to pay with, and I always choose checking, well this grants you this so called interest transfer fee. 
If was told about this fee when applying for it, because there was an agent there whom helped me and answered all my questions, I would have never opened the CC account. 
Like i said Most ridiculous thing i have ever heard, I wish i was not banking here anymore. I will pay off as quick as I can and get out of this bank. 
Thank you BOA, you 've finally proved to me you are the worst and to think i ve been with you for over 11yrs.

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 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The reason for my complaint is I was in the process of getting a loan modification. With Bank of America. In the process I was denied my loan modification the original rep i spoke with felt there was something wrong and advised me to speak to the appeal dept. which I did once the appeal dept reviewed my file I was approved I signed all documents sent back to BOA spoke with a new case manager advised me that BOA is withdrawing the approval because I had a partial claim in 2014. But I feel that i should not have to pay for BOA mistake and they should keep there agreement with my new modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a follow up to compliant number XXXX I was told to contact XXXX XXXX phone number XXXX I called her over 10 times she never answers the phone or voicemails company is still calculating loan wrong charging me unauthorized fee such as XXXX every time I make a payment. I keep making payments and they are not applying it to principal as they are supposed to. I am disputing the XXXX fee every time I make a payment since is not in the contract. They have total amount paid ahead is XXXX I made multiple payments they never apply the extra to principal flagship keeps saying I have to call them every time I want to do that apply extra to principal. They are stressing me out I XXXX XXXX have a XXXX medical condition I WILL HOLD FLAGSHIP CREDIT ACCEPTANCE liability for any health problems cause by my stress they keep on applying incorrect amount to principal so interest will keep going up. I read contract there is zero mention of XXXX fee every time you make a payment they need to get sue and shut down. Everyday my balance keeps going up they are overcharging me every day instead of XXXX dollars a day they are charging me like XXXX. There is also a dispute when interest starts to incur I was told by dealer it starts first day of payment due date since they haven't bought the contract from dealer yet, but according to flagship they are charging me since the first day that I sign contract when they didn't even have the contract yet. I also believe due to the Coronavirus they made a law in California where they are not supposed to charge 3 months of interest but the company is doing nothing to help customers affected by coronavirus!!!

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 2016-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a medical collection on my credit. As of XXXX 2015, credit reporting agencies such as Experian are required to withhold reporting of the collection for a minimum of 180 days and a maximum of 9 months so the patient can receive and pay the bill. I have informed them of this, but they have not removed the collection from my credit report.

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 2016-04-20
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our son got injured in the school premises. The school took full responsibility to pay for any bills. However, their insurance took a long time to payoff. So we paid off the USCB on time in order to ensure our credit does n't get affected. A few months later the school 's insurance company paid them the full amount. The amount was paid on XXXX/XXXX/2016. USCB has still not issued my refund till date. They refuse to tell me whats going on and keeps me holding the phone. I just want my money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I took a personal loan out. I deposited the check in my bank account. 
I was going to use the money for a down payment on some property I wanted. 
when the property became available I went to the bank to withdraw the money out of my account. That 's when i found out that the bank teller deposited my loan money in the wrong account. I lost out on the property, so I paid the money back in full to the loan company but they charged me a fee for interest, final paper fee. I want the bank to pay me back what i had to pay for there mistake because I was not able to use the money. 
I have all supporting documents from the loan company and the bank on this issue, including the deposit slip from the initial deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we made our monthly payment ( on time ), on XX/XX/XXXX we received a call from Mr. Cooper that we had NOT made our XX/XX/XXXX payment and if we didn't pay that day we would be turned in to the collection and it would affect our credit score. Not able to figure it out that day, we went ahead and paid it to avoid collections and credit hits. On XX/XX/XXXX I called Mr. Cooper and was told I needed a letter from my back showing both payments. I provided this. Turns out the XX/XX/XXXX payment shows on our account as a STOP PAYMENT and was returned to a back that is NOT ours. We did not get the refund and have showed all our back statements that prove this as well as Mr. Cooper called our bank and verified directly with them that we were not refunded this payment. I have spent hours ( at least 20 documented ) telling and retelling this to their customer service who escalates it only to never hear back. We were lied to and we have all the documents to prove it. We need our money refunded for the 2nd payment they told us we had to pay in XX/XX/XXXX. I have since made XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ON TIME as  well. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
As stated in a letter mailed off for the second time today. This was not an account that was initiated by me nor authorized. I have reported such to the police and the FTC and have both reports. As they are attached to this complaint along with the laws regarding the regulations on attempting to collect on a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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 explanation