BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Hello, I received emails about a ticket transaction that was unfamiliar to me. I checked my Bank of America account and realized I had suspicious activity. Charges I had not made to a company called XXXX XXXX XXXX. 

I was charged on XX/XX/2019, the transactions are on my statement as follows. 

TICKETS XXXX XXXX CT {$100.00} also TICKETS XXXX XXXX CT {$160.00} I read the instructions on their website and called. I checked with anyone that has access to your account. No one has access besides myself. If you still suspect your information was stolen, please call us at XXXX to file a claim. I called and had my card cancelled. For your protection we will close your account to prevent further use, open a new account and issue you a new credit card. They issued a new card. My fraud dispute appeared on my card activity on XX/XX/2019. 

The charge was credited back to my account while they reviewed my claim. 

I received a letter on XX/XX/2019 stating my fraud claim was not approved. I called again and asked them to renew my complaint when I saw the transaction reappear on my bank account before the letter arrived. 

I am still receiving emails from the company XXXX XXXX XXXX. They do not have an unsubscribe option and I am not comfortable calling them. This is a link I found through the email they sent. https : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i FCRA section 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. I need the following inquires to be removed ; 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

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 2022-05-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am attempting to consolidate loans in order to have them forgiven under PSLF. The loans are not reported appropriately from NAVIENT on the FSA site, therefore I am unable to move forward. I am incurring monthly charges and the program will be expiring shortly. I am incurring financial harm due to their ineptitude. They acknowledge that this is a known problem but have made no effort to resolve it. 

I contacted NAVIENT on XX/XX/XXXX and was told it would be resolved withing 2 weeks. It was not. 

I contacted NAVIENT on XX/XX/XXXX and was told a follow up was initiated and I would be contacted within 24-48 hours via email. I was not. 

I contacted Navient on XX/XX/XXXX and was told a supervisor had been notified and would look into it. I requested a contact by that supervisor and am awaiting a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Keep calling my place of employment and speaking to others about my personal information. My company does not allow personal phone calls. They are threatening that they are going to send sheriff out to arrest me at my place of employment. They claim to be from a law office. He also told me he knows my social and could destroy me if I do n't pay over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for a Load modification and was approved by current lender in  XXXX  of last year after my mortgage amount increased by  XXXX  a month.I sent the  XXXX  payment in and apparently that payment was never applied because the modification was already approved so I was told that  XXXX  payment was sent into the first trial payment was told that my first official month would not start for trial period would not begin until  XXXX  so that put me a month ahead with t he 3 trial payment period so I made all 3 payments well within the time period given but as this is going on im still getting collection calls about my reg mortgage payment I ha d to explain each and every time that I was in Modification process and was making trial payments they had no idea what I was talking about the third and final trial payment was paid  XXXX  of   XXXX   here we are in  XXXX  and the process has still not been completed and every month since  XXXX  is showing missing payment on my credit report as well as my loan so my statement is reading that I owe  XXXX  in missed payments and late charges I have been calling every week trying to get this problem corrected all im told is to just keep making trial payments until everything is final so I have been doing just that but  Im looking online and I see my escrow account is in negative and I have a 10k d eliquent balance on my account I keep getting blown off put on hold transferred to people who cant help me then i was told an error was made on their end as someone entered the wrong percentage rate and that was the reason for the holdup I told them that  my credit score took a huge dive  because they were still showing delinquent payments since  XXXX  no help no return calls and no answer as to whats being done to fix this problem I even sent email to the escalations department no answer from them either pleas help!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: AES/PHEAA
State: CA
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:
My student loan was through XXXX. At some point servicing was transferred to American Education Services XXXX AES ). I have never received a statement or bill for payment from AES. Approx 4 weeks ago, my wife as co-signer received a letter from AES indicating payment on the loan was past due. On that letter my name was listed but the address for me was in XXXX. I live in XXXX. I have never been to XXXX nor do I have any association with anyone in XXXX. AES was contacted. I was told that the information they had received from XXXX was incorrect and they had been sending my statements to the XXXX address. I was told everything would be fixed. Within approximately one week, I received a letter from AES indicating my loan was in deferment. On XXXX/XXXX/15, I received a letter from a collection agency " XXXX XXXX '' indicating that I had failed to make payments and the loan was at risk of charge off. I contacted XXXX and was told that my loan was 99 days overdue with charges accruing. I have never received a statement from AES indicating payment was due. In my phone conversation with AES approx 3-4 weeks ago, I was never informed there was a problem with payment. The letter sent to my wife indicating the payment was overdue was based on a loan associated with the individual in XXXX with a different social security number and address. Since the loan is showing past due it has affected my credit score as AES reported 30, 60, and 90 day lates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: CITIBANK, N.A.
State: OR
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:
Citi Double Cash Card/Wayfair Reported thousands of dollars of fraudulent activity to Citi bank , from Wayfair. Citi opened investigation, but continued allowing many Wayfair charges to go through, and expecting payment for charges. Sent two new cards. Charges still occurring. Wayfair refuses to assist and says its on Citi to block charges. Citi says this is Wayfairs responsibility to stop reoccurring charges. Wayfair will not disclose individuals name or address who is making THOUSANDS of dollars worth of purchases.

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 2015-07-07
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I got a new job and called AES in XX/XX/XXXX to change my loan due date to coincide with my new paycheck schedule and new direct deposit bank account. I have XXXX school loans through AES but I 've only ever paid XXXX total amount on XXXX due date ( the XXXX of the month ). The representative told me it could not be done for the upcoming bill in XX/XX/XXXX but that I could suspend direct debit for XX/XX/XXXX and have the new date date/direct debit account changed for XX/XX/XXXX. I paid my XX/XX/XXXX bill online and used my new bank account information. THEY STILL TOOK IT OUT OF THE OLD ONE and overdrafted that account. I figured there was nothing I could do at that point and let it go. 

Now it 's XX/XX/XXXX, and they have randomly direct debited my account {$200.00} on the old due date ( the XXXX ). I called and asked why and they said only XXXX of the loan due dates were moved to the new date ( the XXXX ), the other XXXX remained on the old due date. This is in direct opposition to what I requested, direct opposition to what I was told by the representative when I called the first time, and direct opposition to the confirmations I received in the mail. HOW DID THEY CHOOSE ONE LOAN TO MOVE THE DUE DATE out of XXXX? How did they make that choice ( and why would I even request to split up the loans payments and due dates )? 

It was clearly an error and it screwed up my finances this week badly. When I called to have it fixed, the representative told me there was nothing he could do, I 'd have to call back in 10 days after that loan was paid to start the process of moving the due date. I told him I HAD ALREADY DONE THIS 2 MONTHS AGO, already received the confirmation in the mail and that he could clearly see that only XXXX of my loans was moved after I requested them all to be moved. He said there was nothing he could do until my loan was paid. I asked how it could n't be paid since {$200.00} was out my account today. Where was that money?! He had no answer, just that the it does n't show up in the system for awhile and that the system would n't let him do anything. 

I overpay my loans every single month, on time. I wanted to make XXXX minor change and its now resulted in over-drafting my account twice because of their mistakes. And this is still not resolved - there was " nothing they could do '' when I called. 

Imagine dealing with this company when you are really struggling or in dire straits? They are terrible at customer service and terrible at everything but taking your money ( incorrectly ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a request for home loan modification from Caliber Home Loans on XXXX XXXX, 2015. Caliber send a letter dated XXXX XXXX, 2015 that they received our package and is considered complete and ready for review. They sent a decision letter dated XXXX XXXX, 2015 denying our case, but their denial reason does not make sense. Our income did not allow us to afford our mortgage for the reason stated on our hardship letter, but it was recently increased in XXXX 2015, now our servicer Caliber, stated that because this income increase we can afford our mortgage payments, but did not consider the fact that we can not afford to bring the {$66000.00} default, please help us to obtain a reasonable and common sense review of our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: MO
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:
Someone used my identify and opened a credit card with XXXX on XX/XX/2021. The person put on three purchases totaling approximately {$12000.00} without any payment. The phone number was not mine.

I was totally unaware of the account ( no statements ever reached me ) until yesterday when my other credit cards were frozen due to the severe late payment on this credit account unknown to me. Three credit bureaus downloaded my credit scores as a result. 

I reached out to XXXX Card ( Identity Theft : XXXX ) and XXXX XXXX XXXX department ( XXXX ). XXXX XXXX XXXX said they will start an investigation, which may take 3-4 weeks to conclude. XXXX Identity Theft said they can only protect me from future problems, they can not help me with this incidence. 

XXXX took off the XXXX card from my report. XXXX did nothing of the kind. I am still waiting for Experian to resolve my dispute. 

I don't understand how could someone use my identify to open a credit card at XXXX XXXX? How could this go on for 11 months without detection? I worry this would drag on forever before things can be cleared. Please help. 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 2022-05-19
Company: Auto Buyers Credit LLC
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:
There is information on my credit reports that is incorrect? There is a Home equitiy loan, opened in XX/XX/2021, Mortgage loan, Auto loan, banking cards, Retail cards, Pet insurance.Phones, everything

Company response to consumer: Untimely response
Consumer complaint received 2015-07-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan ServicingWe were behind two months on our mortgage ( XX/XX/XXXX and XXXX XX/XX/XXXX ). We sent an overnight check received on XXXX XXXX XXXX that was signed for.The check was never cashed. Upon calling we were told that they had changed their overnight address and to give it a few days so it could be routed to the correct area. We called back a week later and was told the numbers written in the box of the check did not match the words written in the body of the check. I wrote the numbers and words correctly and assured them of that. I asked they send that check back with an explanation. They said they would but we needed to send another check to their new overnight box which we did and they cashed that one. During that conversation they said that our escrow account was short {$5100.00} and our new payment had gone up {$220.00} a month going back to XX/XX/XXXX. We sent a certified letter ( XXXX XXXX XXXX ) them asking for our check back from XX/XX/XXXX that they did not cash and to provide us with an explanation of our escrow. We also called and spoke to a customer service representative who said she would accommodate this request. It 's seems {$5100.00} is extreme since our property taxed have only gone up {$400.00} for the new year and our homeowners premium has stayed the same from last year. We send another overnight check which was signed for on XXXX XXXX XXXX. We waited for it to clear the bank and on XXXX XXXX XXXX we called and they said they were no longer taking payments from us unless we send them {$11000.00}. 
On Monday XXXX XXXX XXXX I received my escrow projected statement ( which by the way is dated XXXX XXXX ) along with any accounting of my account since XXXX with fees for example service process XXXX/XXXX/XXXX {$420.00}, title report fee {$75.00} XXXX/XXXX/XXXX process service fees again on XXXX/XXXX/XXXX {$340.00}. The list goes on and on all while they denied my modification and then XXXX months later after denial I get an email that " great news your modification has been approved '' I thought it was a scam and contacted my local HUD counselor who verified for me that in fact it was changed from denied to approved. Hence we started making our payments. Ocwen has XXXX checks right now that they have refused to cash and in the interim cashed XXXX. This does not seem right. I have since been sent another modification package. I do n't dispute any late fees since our payments were received after the XX/XX/XXXX due date but I am disputing all other fees and the escrow amount. another modification package also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have Medicaid and have so I do not know why I 'm being charged

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I was trying to sell my home to the current renter. He went to Union Bank in XXXX XXXX and submitted a loan application. The loan officers name was XXXX. I am writing this for him as I strongly feel the Bank practiced poor business ethics regarding his need to borrow money in order to purchase a home. I strongly feel this whole case needs to be investigated. I at some point tried to help by contacting supervisors and then a director in XXXX, XXXX, over the loan department. His response was very poor at that.. and at one point a supervisor, XXXX called me to tell me the loan had been approved and 2 weeks or more went by with only promises to my renter they would have docs soon and call him back. Well they never did. He was forced to move out because of their poor business practice. Kept telling him for at least a month the loan docs were coming. They told him everything was approved.. told me too ... They did try to charge him {$500.00} for filling out a loan application. Charged him for loan appraisals too. 

PLease investigate this whole file.. Union Bank Has disgracefully performed!! 
This man had a shot at buying a home for his family and Union Bank Shattered that dream.. did not act in good faith.. drug out the process causing him to loose his opportunity. I feel they lied about what they were doing on more than one occasion thus becoming a very unreputable lending Bank. Practicing poor business ethics at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Alorica Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2010, XXXX attempted to collect {$200.00} for an account that was closed for 5 months. In 2010, XXXX closed the collection request accepting that it was their error because I had closed the account and yet they accidentally continued to bill me. The problem is that XXXX confirmed that this was not my fault and paid on time up to their agreement, however, West Asset Management ( XXXX collection agency ), still has me owing money. This is showing up on my credit report still as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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 2022-05-19
Company: BSI Financial Holdings, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI services a mortgage that holds liens 4 of my properties. They collect escrow payments for property taxes and insurance on those properties. Taxes were dues on XX/XX/2022 on three properties and those have not been paid as of XX/XX/2022. I have contacted BSI no less that 6 times one the last 8 weeks to resolve. 

Payments are due for XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX # XXXX XXXX VA, XXXX XXXX XXXX XXXX VA

Company response to consumer: Closed with explanation