BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX and Power of Attorney for my sister-in-law who is XXXX years old and suffering from XXXX XXXX XXXX XXXX making it necessary to have me participate in her affairs. 
Effective XXXX XXXX, XXXX. The care service started acquiring her Social Security check before her mortgages could be paid. The bank holding her XXXX and XXXX mortgages is Bank of Albuquerque ( owned by Bank of Oklahoma ) was notified of the situation by me as POA and stayed in constant communication ( XXXX or XXXX phones calls fielded per week ). I found out from running a title binder, that there was also an IRS Lien so I had to submit POA to IRS and get that amount before pricing the house for sale in order to liquidate the mortgages. I informed both of the branches ( XXXX and XXXX mortgages are serviced by different branches of the same bank but communicate as separate entities ) when I finally got the IRS remaining lien amount, assign a price to the house and begin marketing. I received the lien amount from the IRS on XXXX XXXX, received a couple workable offers on the property XXXX XXXX and XXXX based on IRS update received on XXXX XXXX, 2016 ( good until XXXX XXXX, 2016 ). When I attempted to contact Bank of Albuquerque, they refused to discuss the mortgages anymore because at some point since the last statement dated XXXX XXXX, 2016, they had turned them over to their legal department ( a law firm that only takes messages ) and referred me to them. After leaving multiple messages with no return calls, I again contacted Bank of Oklahoma Loss Mitigation and customer service who told me " too bad '' you need to contact our foreclosure department even though they do not answer the phone and are hard to get hold of. Their advice was consistently the same, my only hope was to keep trying. Even though I have XXXX qualified offers for purchase they would not assist in contacting or discussing the foreclosure. My sister-in-law has not been served any foreclosure papers nor have I, even though I am on their ( Bank of Albuquerque and Oklahoma 's ) forwarding list and phone list, and yet they refuse to allow a sale that would pay off the debts. Instead, they will hold up any sale until the IRS lien can grow and they can tack on sufficient legal fees to force a foreclosure or short sale and the ruination of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made an online purchase using my debit card on XXXX XXXX 2015. The merchant did not have one of the items I ordered in inventory, and said they issued a {$10.00} credit for the item. I have never received the credit. I talked to the merchant and they said everything has processed on their end, and there was nothing more they could do, and to call my bank. I called my bank, and they said there is nothing they can do. My understanding is that the bank has an obligation to investigate any reported error, however they refused to do so. They said my only option is to return the part of the order I did get and get a refund for the entire order, or dispute any incomplete refund from there. This does not make sense. I feel the bank has an obligation to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: MB FINANCIAL, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage loan with XXXX XXXX Mortgage bank. The monthly amount I have to pay was {$1300.00}. This is made automatically every month. This bank was bought by MB Financial Bank on 2014. This bank raised my monthly payments to almost {$1500.00} without consulting or asking me about it. Even though I have make automatic payments every month, MB Financial is saying my amount due is about {$9000.00}. As you can imagine, the bank is not considering my monthly payment, so what are they doing with the money is deposited automatically? 
It is my primary residence and I am afraid of loosing my home. 
I tried to work with another bank to change my lender but they denied because the debt with MB Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my third attempt and I have attempted to remove inaccurate accounts XXXX and XXXX and it continues to report in my profile. The bureau has failed to provide and proof of executed contract with my signature on it and has not provide any information in 30 days of my initial request. I demand the following account to be removed from my profile.

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 2015-07-07
Company: United Military Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Lower Va Rates has stood up to proper business practice, since XXXX 2015 with a approval stated after weeks of processing per LVR, I have signed contract documents with the present of my wife and notary. Yet, no closing up to now, XXXX 2015, I have back paid mortgage payments : XXXX, XXXX, XXXX. Still no results nor contract made until I call in a rage on status but a lot XXXX/run around stall actions from LVR. I am XXXX, XXXX veteran, unemployed and my spouse is unemployed with medical conditions. I have applied LVR before without any delays, but today there bad business practice that shouldbe dealt with HARD!!!!!!! Bills/credit are behind due the instructions given LVR and yet no results as when the two months and amount of mortgage payment???? Budget!!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
The case is centered on the bank refusal to honore our TILA rescission. For over five years we 've been fighting them in their attempts to take our home. 
We initially purchased our homestead property on XXXX XXXX, XXXX from XXXX XXXX with a XXXX mortgage and a XXXX mortgage. We subsequently consolidated the XXXX loans on XXXX XXXX, XXXX and took a new mortgage with a different " lender '' called XXXX. On XXXX XXXX, XXXX, Florida XXXX XXXX XXXX XXXX terminated XXXX XXXX XXXX ( " XXXX '' ) mortgage lending license due to questionable lending activities ( Exhibit-XXXX ). On XXXX XXXX, XXXX, after discovering irregularities in our mortgage loan we rescinded our loan by notifying XXXX and BankUnited XXXX via certified mails with return receipt requested ( Exhibit-XXXX ). Neither XXXX nor BankUnited XXXX/BankUnited N.A. responded to the letter of rescission. 
On XXXX XXXX, XXXX, based on our rescission, we filed our quiet title action in XXXX XXXX, Florida. A default final judgment was entered on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, BankUnited N.A. a newly formed bank, filed a foreclosure action against me and my wife in the Circuit Court of XXXX XXXX, Florida. 
On XXXX XXXX, XXXX, BankUnited N.A, filed a motion to vacate the default final judgment of quiet title and the state court vacated the judgment. On XXXX XXXX, XXXX, the FDIC, in its capacity as receiver for BankUnited XXXX removed the case to XXXX XXXX Court for the XXXX XXXX XXXX Florida. On XXXX XXXX, XXXX, the federal court erroneously dismissed our claim of rescission. The court granted summary judgment in favor of BankUnited N.A. The XXXX XXXX XXXX XXXX XXXX affirmed the lower court decision ( Exhibit-XXXX ). With the money judgment BankUnited N.A. obtained a foreclosure judgment and scheduled the sale of our property. We are currently appealing that decision. BankUnited N.A with the help of the law firm of XXXX XXXX XXXX and XXXX XXXX XXXX. have consistently ignored our rescission and caused us to defend an illegal foreclosure for years. The Supreme Court decision in XXXX, No. XXXX ( U.S. XXXX XXXX, XXXX ) confirmed that we properly rescinded our loan. The bank and its lawyers continue to harass and threaten us with the foreclosure of our home. We seek the help of the agency to resolve this matter once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I was contacted by diversified consultants inc. they related that I had a collection account and offered a settlement of {$150.00}. I accepted and paid that amount. I never received or asked for a receipt as I trusted that this was paid. Now I am getting charged the amount that was waived in the settlement and that amount is in collections. DCI refuses to provide me with a receipt or documentation showing my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me.

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 2021-01-21
Company: Nationwide Credit & Collection, 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: Investigation took more than 30 days

Complaint:
I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease. 

There are XXXX accounts with this collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Was in year 3 of my XXXX degree in XXXX XXXX. I pulled out loans each year with Sallie Mae. Could not afford to pay for University out of pocket. I applied for year XXXX loans and was denied due to a " high loan balance ''. Now they want {$910.00} a month in repayment. Without a degree I am unable to find work paying high enough to afford {$910.00} a month and any attempt in having the loans put on income based repayment have been met with " we do not offer income based repayment on private student loans ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SLM CORPORATION
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After repeated communication that I was unable to pay for my student loans. I received several calls in one day from Sallie Mae. The most recent call at XXXX on XXXX XXXX, was from a rep. who yelled at me and threatened to add additional delinquency fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended a private college, and in order to do so, look out nearly {$100000.00} in student loans, {$78000.00} of which are private loans through Sallie Mae. 

For the first year of payments, I was on the graduated repayment plan, so XXXX of the XXXX loans I have through them had significantly lower payments for the first year. Now, that plan is expiring in XXXX. 

For the first year, I also rotated a few in and out of forbearance in order to get my footing in the professional world and adjust to paying loans and living expenses. For the past year, I have been paying Sallie Mae about {$400.00} a month, and have never been late or missed a payment. 

Now, beginning in XXXX, I am expected to pay {$850.00} a month, which is half of my income in one month. I own a home and car, and have other living expenses as well. Sallie Mae literally does not care and will not listen to anything I have to say about what I am able to pay in a month, which is about {$500.00}. 

I even called their payments department and they said they are completely and utterly unwilling to work with me on a payment plan unless I just stop making payments -- and they were rude about it. I have never had a late payment or missing one in the year I have been making payments. I find it absolutely appalling that the only way they will work out a payment plan is if someone simply stops paying on an account. 

I find this entire situation absolutely ridiculous since I am doing everything in my power to pay them what I can and there is XXXX care, compassion or advice on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
i had a account with usaa bank for years someone had gotten in to my acct and the acct had gotten closed the problem was my daughter was also on my acct when this situtation happen they closed her accts also the problem is that my daughters and son in laws paychecks our going in to there accts which they closed because my daughter was on them when she called ans asked if she could get her money the bank usaa said it takes thirty days to get her money when i called other banks they said it only takes five days in other banks we need thid money to pay rent and buy stuff for the kids. i am telling people not to bank with usaa because they do people wrong what they say on tv is wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Voss and Klein LLC has put a balance of {$550.00} on all XXXX credit bureaus that I do not owe as I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied to have a credit card credit limit increase with the XXXX XXXX XXXX XXXX XXXX. I was told the application could not be processed, due to my SSN not matching what was being reported by Equifax. The first three numbers of my SSN had been change on my Equifax file. I have called Equifax on XX/XX/2021 upon learning of this fact. The call center in XXXX, which appears to be the only way to contact Equifax was decidedly unhelpful. 

I have mailed a request for an investigation and remedy of this matter to Equifax. I want to know how my SSN was changed in their system. Who initiated this change, and what information is currently attached to my original SSN. 

It is ridiculous how you ( the Federal Government ) allow these agencies to hide behind screens of anonymity and a lack of accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I was given a credit card account by USAA in which I received zero percent interest on purchases until XXXX. This is now the third month they have continued to charge me interest on purchases. They have also opened another account without my permission.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My name is XXXX XXXX and I am the cosigner on XXXX loans for my wife, XXXX XXXX XXXX maiden name XXXX XXXX. On our first loan in the past we attached XXXX notes to XXXX consecutive bills that were sent into Sallie Mae for the purpose of instructions on how to apply payment to our loan. We had paid over the minimum amount and the excess had not been applied to principle. The purpose of the notes was to instruct Sallie Mae to apply the extra to principle so that the loan could be paid down quicker. This was attempted because I had called into Sallie Mae to find out how to apply excess to principle and was instructed to attach a note. XXXX notes seemed to be ignored and after calling in and being told just to attach another note we gave up. Now that my wife is going back to school we applied for another loan in late XXXX. My wife made her normal payment over the minimum for XXXX and we did not receive a bill for XXXX. Because she had paid over the minimum Sallie Mae had taken the excess and applied it for the next payment. This is not how we wanted the payment to be applied. I called into Sallie Mae to find out the current status of the loan on XXXX XXXX, 2015 at XXXX. After talking with someone on the phone I was told that excess funds are kept in an account so that if a payment is missed or under the minimum this account will make up the difference. I also asked why payments are n't applied to principle and the above was explained to me and I asked if they did this so that loans are more likely to be held to the full duration, the response I received was " yes ''. From my understanding it is illegal for Sallie Mae to apply a payment contradictory to the way indicated in the note attached to the payment. I would like to know why our instruction have been ignored and why payments are not applied to the principle. Unfortunately I do not know the dates for which the noted were sent in or calls were first made for this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Advanced Collection Bureau, Inc.
State: LA
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:
XXXX XXXX. I moved from this apt . complex and was up to date on my rent. One year later recieved letter stating that I own them {$1100.00} dollars. 
I now have the credit book, how to fix your credit. On XXXX XXXX I sent them a certified letter stating that, they need to sent me a letter with my signature on it to proved that I own the {$1100.00} dollars. On respond! Now they will not sign for my XXXX certified letter stating that they removed this from my credit report and that they failed to respond in the 30 days under the Fair Credit Report Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CRA Collections, Inc
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a debt on my account that is not mine, I 've had XXXX and have not went to the hospital at all. The account is with CRA COLLECTIONS for medical and I know it is not mine.

Company response to consumer: Closed
Consumer complaint received 2016-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
For my cfpb complaint @ XXXX, against XXXX, I was advised by a cfpb agent that I needed to submit a paper Dispute document from my credit card company, USAA. I called USAA again today for a document that I could complete and scan and was told that no such document would be forthcoming, as my call to them on XXXX/XXXX/16 inititated a verbal dispute with XXXX. I asked to be transferred to a supervisor, XXXX XXXX, for some type of document I may complete and forward to cfpb ... .even a Statement of Fraud. I was told no such document would be forthcoming. I therefore am filing a separate complaint against USAA because they are not assisting me in my complaint against XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation