BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX, Specialized Loan Servicing has been " losing '' my monthly payments and not applying them correctly to my account. These payments are sent electronically directly from XXXX XXXX XXXX ( not US mail or paper check ), and I have proof of payments. Every month I have to print out a proof of payment ( to mail since they do n't accept email ) and call them and ask them to correct their records. They never correct them until I file a complaint with the CFPB.For example, Prior complaints are [ Case XXXX and XXXX. Every month my HELOC payment is electronically sent directly from XXXX XXXX XXXX to SLS for the monthly. I have been using this same process since the day SLS purchased by loan from XXXX. I received my statement for XX/XX/XXXX, dated XXXX/XXXX/XXXX and they are stating that I did not submit payment that was due on XXXX/XXXX/XXXX. The payment of {$190.00} ( ref # XXXX ) was delivered on XXXX/XXXX/XXXX because XXXX/XXXX/XXXX was a Saturday. I even called ahead and spoke with XXXX and told her that I would be sending the payment and it was scheduled to arrive on XXXX/XXXX/XXXX so it would not be late and that it should be applied to the monthly payment due ( it is not an " extra '' payment to be applied to principal ) .SLS needs to find this lost payment and remove reporting of late payments. I have NEVER been late with a payment, but my online profile now shows that I have a record of late payments. I know that late payments impact a person 's credit score. I am tired of wasting my time having to call them every month and spending money on paper, ink and postage to submit proofs of payment.

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 2020-04-15
Company: World Acceptance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a loan account with world finance. We have been trying to make arrangements. But I have been told I have one week to make a payment. I haven't worked in a month I do receive XXXX benefits but it only {$530.00}. Just enough to pay my bills and rent. If they take their money from my account I won't be able to pay my rent. I'm trying to sign up for unemployment with no luck, I haven't received my stimulus check. I don't have any money at this time and with the stay at home order. What can I do am asking for more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is in reference to Case number : XXXX. Bank of America called me on XXXX and left a message for me to call them back at XXXX and use extension XXXX to speak with XXXX about my complaint. However, when I call this number and try to enter the extension, nothing happens. A recording just repeats itself to enter the extension. I have tried from XXXX different phones so I know this is a problem with their system. The system hangs up on you without allowing you to ever reach a live person or leave a message. Intentional maybe ... .. I need to be able to get ahold of them because they will claim I did not respond to them and they did not give me a way 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 2021-11-15
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried several times to have this account removed from my credit report. It is Receivable Management, I do not have any contract or account with this company, yet they have my nonpublic personal information. I have a FTC report as a formal statement that this is fraud. I have requested that the consumer reporting agencies remove this item from my credit report, but they have not complied with my request. They have violated several codes under the FDCPA and FCRA. I am requesting to have this removed from all 3 of the consumer reporting agencies.According to 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Under 15 U.S. Code 1692k Civil Liability ; I have attached all supporting evidence including the FTC Identity theft report and the amount of damages that I as a consumer am looking to collect.

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: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had an account with Bank United for over XXXX years. My account was overdrawn and I received a call from a very aggressive and disgruntled Bank United employee, XXXX XXXX XXXX who excoriated me for being overdrawn and demanded payment, of which I responded as soon as commissions came in it would be taken care of. I am in Hawaii since XX/XX/XXXX and am nowhere near a Bank United branch, none on the island. I set this account at Bank United to receive funds electronically to cover these eventualities, however XXXX XXXX restricted my account and I called customer service and spent over an XXXX trying to pay this and I was not allowed to do so. XXXX XXXX also made harrasing and somewhat threatening calls to the joint account holder including emails of that she must cover overdraft or she would be negatively impacted. I am pretty sure that these bully tactics are employed regularly, and I ask that in order to protect the public at large and prevent these immense institutions from basically garnering more fees improperly into their coffers that your organization look into to this and take any appropriate actions necessary. XXXX XXXX XX/XX/XXXX made XXXX XXXX in overdraft fees so this is a very lucrative avenue for the banks, just FYI. 

Thank you in advance for your attention to this matter!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a mortgage loan thru XXXX XXXX, XXXX XXXX, NV office ; Buying a house from XXXX XXXX ; I paid {$2500.00} earnest money. The Bank qualified me for Conventional Loan ; The XXXX qualified me for FHA. my Income to debt ratio was too high ( more than XXXX % ). I felt there is something going on ; they pushed the loan and make it work within 10 days ; the house payment was too high compared to my income ; I called and cancel the loan. I asked for the earnest money back, they refused to refund me the earnest money. and, they wanted me to buy a house that I am not qualified for.. The earnest money landed with The First American Title Insurance company at XXXX XXXX XXXX ; the FHA loan takes about 45 days to be processed, it took them 10 days to get me approved based on High debt and low income. I was approved to XXXX different mortgages in 10 days ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Thursday, XXXX XXXX, I brought may car to a mechanic to replace a rear passenger side seat belt. The mechanic quoted me between $ XXXX {$250.00} for parts and labor. I was notified the repair was done and texted an invoice for {$460.00}. I went to the mechanic and told them that's not what I was quoted and they told me I had to pay of they would not release the keys. I paid and the part doesn't even work. I went to another mechanic and supplied written proof the installed part doesn't work to Discover. I disputed with my Discover card and they investigated and sided with the merchant. Since then, I have escalated my dispute with Discover and all of the sudden, they decreased my credit limit. Ive been in good stating and my credit is good with Discover for many years. This event has impacted my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A security fraud alert was put on my Experian report without my knowledge.I called Experian to find out why a security alert was put on my Experian report.They would not give me any information.I want to know who committed fraud with my credit to put a security alert on my report.I want details

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 2020-04-15
Company: TMX Finance LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company called from XXXX, stating that I owed around 1200 in a loan from Instaloan that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {$500.00} deposited into a XXXX account that I never had. I called Instaloan and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from Instalaon and now people are scamming the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX ( XXXX ) 2. XXXX/XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6.  Citizens ( XXXX ) 7. XXXX XXXX XXXX ( XXXX ) 8. XXXX XXXX ( XXXX XXXX 9. XXXX XXXX XXXX ) 10. XXXX  XXXX XXXX   XXXX ( XXXX ) 11. 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 2016-05-02
Company: TrueAccord Corp.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made several complaints with this office. I continue to get emails and phone calls on " debts '' I do n't owe. A request has been made to send verification of debt. I have not received anything previously requested. I do n't know if this is a scam or legitimate collection company attorney process servers. I get calls at my place of employment and on my personal cell.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Hello, I have several outstanding loans with Navient. One particular private loan with an outstanding balance of approximately {$24000.00} has seen some unusual activity whereby the amount of interest charged was significantly higher with no reduction in principal for some months. For example, my rate is usually 5.5 % variable but there were some months where the annualized rate spiked up to as much as 8 % and then the next month it would return to normal levels. This sort of activity happened several times over the past 5 years. This makes no sense considering interest rates have been extremely steady. I need to know exactly how my interest rate is set every month ( Libor? What 's the spread? ) and why on some months, only {$1.00} of my {$160.00} payment went toward reduction in principal. I 've never incurred late fees since 2011. 

Please see attached the file containing the prior history of payments. Note under Column I is the annual interest rate which as you can see is very high. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am having an issue with my credit profile on Transunion and have been trying to work this out for years. 
I currently do not have a credit profile with Transunion, I do with all the other credit bureaus. 
I have been in the US for 8 years. I have a XXXX XXXX I have many bank accounts and credit cards, I pay taxes, I own a home. And yet, Transunion will not acknowledge my existence. 
I have repeatedly contacted Transunion and sent over via mail : proof of SSN, proof of residency and copies of IDs. Most recently Ive done so in XX/XX/2020. 
In an attempt to sort out the issue I recently spoke to a XXXX credit bureau specialist, as I use their credit card. He mentioned that hes seen issues with 2 letter names on Transunion. I then contacted Transunion again and they finally confirmed that there is absolutely no information being collected under my social security number, quite possibly due to my first name being only 2 letters. I was even told by the Transunion rep that my name is too short and in fact its not even a name, its a conjunction. 
My legal name is XXXX, its a very common name where I come from. I do not have a middle name or any other name I can go by. 
Transunion is saying that the creditors ( XXXX, XXXX, XXXX ) are the ones that need to send the information another way. The creditors are saying they are doing everything correctly and its Tranunions system that is blocking my 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 2017-02-15
Company: Navient Solutions, LLC.
State: NY
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 graduated school in XXXX borrowing a total of {$60000.00}. I recently took a personal loan to pay off the balance of {$72000.00}. All in, {$39000.00} in interest was capitalized and was added to the principal balance and I paid {$99000.00} principal, and an amount of {$51000.00} accrued interest was also paid, totaling {$150000.00}. For a loan of {$60000.00}, I paid a total of {$150000.00} over the course of under 18 years. I have been XXXX XXXX military XXXX over the last several years, and am currently in XXXX. For the last several years I took advantage of the lower interest rate under SCRA. Even still, I have been paying more than the minimum payment, however, almost all of the payment went towards interest, without making an impact on the principal. Additionally, the allocation towards interest and principal fluctuated month to month. Even though I was paying over the minimum balance, the principal continued to creep up to a point where I would never be able to pay the loans off. For example, I made a payment of {$400.00}, more than the minimum payment, on XXXX XXXX, XXXX. Only {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Data-Central, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX hospital sold a dept on my daughter that was seen with them back in 2010 my daughter had XXXX back then and continues to have XXXX coverage. I would like them to remove this from my credit.

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
Consumer complaint received 2017-03-16
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Got letter stating my account was purchased by Dynamic Recovery solutions from another hospital in violation of my hippa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Please find the email I sent to BOA re : them overdrafting my account by double debiting a BANK check. Not only was I NEVER able to reach a live person on the phone ( after two 25+ minute hold times ), I sent the below email to them only to have them respond to me that they no longer accept such emails and directed me back to their Online chat, or call center. They are the worst ( though they 're likely in good company with other massive banks ). 

Dear Bank of America/client retention : You have your work cut out for you today. I 've had enough. Enough of your poorly facilitated transactions, poorer customer service, and lack of any kind of reliable feedback. I 've been a BOA client for over 10 years, with checking, savings, credit card, and business accounts, however you 've done NOTHING to keep my business, and now I know that the final straw has been dropped. 

Today you double-debited my checking account for my rent check, overdrawing my account by {$1500.00}. When I called to rectify, I was on hold for over TWENTY minutes ( 23 minutes before I had to move on with my life, and hung up ). Concurrently, I attempted to use your chat service- for the first 10 minutes, NO AGENTS were available. Then, I was told it would be a 6 minute wait. SIX minutes- to clear up your error. Keep in mind, I 'm still on hold on the phone during this entire time. 

Next, I tried to send an email- to my surprise ( though perhaps I should n't be surprised given your pattern and trend of sub-par service ) the only " options '' I was given to send an email re : checking are : order a check copy, order a statement copy, or " financial hardship. '' Are those really the ONLY things you think your customers might need to email you about?? 

Enough. By my own sweat and efforts ( as you 're clearly not accessible to help ) I 'm going to clear up your error regarding my checking account. I will next be opening new accounts with my local bank. My direct deposits, cash, and all other immediate banking will be going elsewhere because, frankly, you 're too big to care. Shame on you for being a glutton. Shame on you for becoming the target and symbol of what this country now despises. I should have seen this coming, of course ; I 'm just too smart to be banking with BOA. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-04
Company: GUARANTEED RATE INC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Guaranteed Rate, Inc., " originated '' a loan on our home XXXX/XXXX/XXXX. Clause # XXXX says if the loan is paid, they are supposed to instruct Trustee to reconvey the house and eliminate all evidence of debt. We sent them a Request of Statement of account, they eventually admitted they had no interest in the property or the mortgage on it-XXXX, XXXX times in XXXX XXXX. Suddenly, after we sent the servicer, XXXX XXXX, a QWR on XXXX/XXXX/XXXX, GRI " assigned '' the mortgage-via MERS, who has no standing in Nevada-XXXX XXXX XXXX. The assignment was supposed to go into a XXXX, was way too late and not allowed even if it had n't been late. Either they lied about having an interest in the note, then assigned it illegally and late, or they told the truth about the note, and allowed XXXX to receive 2.5 years of mortgage payments and threaten foreclosure ( on XXXX/XXXX/XXXX ) when they had no authorization to do so. Also, they purported to be the actual lender, whereas the MERS report shows them as the servicer, nor di did they inform us that XXXX Bank was the lender, so they committed fraud from the very beginning. They also did not deposit the note into the trust as is required by the PSA agreement for XXXX. Furthermore, we sent GRI a Letter of Rescission on XXXX/XXXX/XXXX. They owe us either the XXXX mortgage payments and/or the closing costs. Another clause in the DOT : BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. '' I 'm contractually obligated to generally defend the title to the Property against all claims and demands. That is clear cut, and even if it 's ambiguous, the doctrine of " contra proferentem '' is applicable ; ambiguities are to be construed unfavorably to the drafter. GRI drafted the contract, not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
COMENITY BANKXXXX XXXX XXXX a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. COMENITY BANKXXXX charge off shall be removed from all consumer reporting agencies reports immediately.

Company response to consumer: Closed with explanation