BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Started a refi with bank of America in XXXX 2015 today is XXXX XXXX 2015 .I fill i have been discrimanated agaist starting with the loan officer to the underwriter. Bank of America XXXX XXXX like laws have made this very frustrating.After a heated conversation with the loan almost immediately he change all my info .I havent spoken to him since XXXX, someother person has been assiting me.Never have i had such awful service .All info submitted and still no CLOSE/

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is the 2nd time I have filed a complaint against Transunion. As usual the first time they did NOTHING that I requested for dispute resolution when I contacted this agency. All I asked for a reset of the credit history, since I knew they were violating US law. 

They did NOTHING of the sort and I know they did n't check all of the disputed items You got played like a fool but hey whats that saying good enough for government work? They sure did n't delete, anything acknowledge anything, nor erase what I asked them to as a clean credit history.

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 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on 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 2017-05-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a letter from the Internal Revenue Service regarding a settlement of {$16000.00} from  Wells Fargo , NA on  XXXX     2014. Th is should have been reported on m y 2014 t axes.     I have not been able to contact   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   by phone or email. I did forward an email to the Department if Justice last week since they did oversee  XXXX    XXXX   activities.

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 2016-06-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had applied for mortgage on XXXX/XXXX/16 with Sebonic/Cardinal Financial. They charged my credit card on XXXX/XXXX/16 for {$480.00} as appraisal fee. About one hour after the charge ( same day ), I called and informed them that I am withdrawing my application for mortgage with them so there is no need for appraisal. I also requested that the money charged be credited back to my card, both over the phone and in writing, as an email. They did not credit the money back and today I received property appraisal that was done on XXXX/XXXX/16 despite my withdrawal of the mortgage application at the earliest stage of application. 
following is the company/loan originator information. 
XXXX XXXX | Loan Originator Originator XXXX XXXX Cardinal Financial | Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX : XXXX | f : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: CITIBANK, N.A.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
best buy paid it off XXXX they was taking it out my check XXXX I have tn care plus i never went to the doctor in XXXX and the online school never receive material so I should n't be obligated to pay my phone XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Franklin Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have not heard from this collection company about this issue and I have not been able to resolve this. I ca n't get them to contact me after inquiries to their website. 
If I ca n't contact them, I ca n't resolve this issue. 

Franklin Collections is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: First Credit Services Inc.
State: PA
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:
This is a gym that i have not belonged to in 2 years and they are charging me after I cancelled my account. I have spoken to the gyms manager who confirms I do not owe the money but the owner will not call the credit collectors even after multiple calls to gym.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Ditech Financial LLC
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Ditech will not provide original documents or loan modification documents even though I 've asked for them. The loan has been paid off ( overpaid ). The account was current in XXXX 2016 when I requested this information. 
While researching Ditech notified me that they were ceasing collection activity and did not send me a billing statement for XXXX. They deferred the XXXX and XXXX payments ; however, in the XXXX billing statement, they indicated that I was 2 months past due.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
Performed balance transfer to other CC from a CITI Card. Transfer was posted to new credit card the day after due date of old CITI Card. CITI Card is now charging late payment and increased interest rate on remaining balance and new purchases even though they they had to receive payment from new card due to it posting the day after the CITI Card due date. CITI Card is now refusing to return charges and return interest rate back to normal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a XXXX student loan. In the process of forbearance and being sold now 3 times somehow it is charging me twice for the same loan. I have sent in my original loan. I have sent in proof of this and get no where with these people. This has caused me not to be able to buy a home the last 4 years. I have sent in multiple complaints to the companies and the different bureaus. The loan then gets moved to someone else. I am so upset with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
On XXXX/XXXX/2016 I attempted to set up auto pay on the Navient website. They said it was not available. I waited until XXXX to try again. They have already marked my payment late. This is the second time since they took over the loan I have been prevented from making a payment and been marked late. My loan was suppose to be income sensitive. It has lost that status since they took it over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Loan payment processing time within the Wells Fargo banking system. Payments automatically debited/transferred from Wells Fargo accounts take 3-5 days to process, accruing interest on full loan amounts daily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Signed up with XXXX to check my credit situation. Recently learned I am a victim of Identity theft. My phone began to ring continuously the following day to the point of complete harassment. 
I can not dispute the bill on XXXX for some reason. I would like proof of the validity of this bill. Midland funding company seems to operate on the premise of bullying tactics not facts. I would appreciate any information that can be obtained such as mailing address, Purchases made etc. so that I can proceed with criminal charges to be made against those involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I had been hurt at work and was unable too make payments on my XXXX Mortgage due too the fact workers comp. was not paying me .The bank started billing my line of credit. I have asked for a forbearance since XX/XX/XXXX they have lost the first batch of paper work then I submitted new paper work in XXXX. I have spoken too them and get the story it takes XXXX days for a answer. My first Mortgage has been modified with XXXX without a problem I think I have been lied too on how long it takes and believe they may pull some kind of foreclosure while i 'm still on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
very confused about this remark, progressive XXXX states that I owe XXXX and not sure why as I pay any balanced owed if needed. this was a total blind sided. I need this taken off my record ASAP. please help me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: M&T BANK CORPORATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Written on behalf of homeowner By : HUD certified Housing  Counselor  Please find the following letter fro m M & T ba nk in regards to non-acceptance of our Authorization to Release Information. It bothers me a good deal that this was the response given. The authorization offered was signed ( e-sign compliant ) and legible as well as dated. Additionally, the homeowner submitted  an M & T branded ARI whic h did include a physical signature.     Please advise -Thanks

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 2015-07-13
Company: Sentry Credit, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Daily 'robo-calls ' are left on my voice mail. The message states I should call XXXX. When I call this number it takes me into their voicemail system and asks me to leave my name, address and phone number in order that I may be called. 

The voice mail identifies the debt collector as Century Credit. 

As I do n't have any past due debts this strikes me as fraud or harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card
Issue: Late fee

Complaint:
Could you please help me? I can not seem to get Navy Federal Credit Union to stop beating up on us. Every extra dime that shows up in any of my accounts, they yank it to pay their criminally aggressive, repressive and punitive fees. Then, this generates insufficient funds fees ( WHICH THEY CAUSED ). I have repeatedly withdrawn my consent from Navy Federal to remove or transfer funds among my accounts. 
Most recently I transferred {$22.00} to a checking account and then immediately set up an online payment with XXXX to debit this account for the same {$22.00}. The " transfer to credit card '' transaction that took place on XXXX/XXXX/XXXX was not authorized by me. This caused the payment to XXXX to fail. Subsequently, Navy Federal charged, not XXXX, but XXXX Insufficient Funds fees. Again, I have repeatedly withdrawn my consent to these undisclosed transfers, but they ignore me and continue adding to the mountain of fees ( WHICH THEY 'RE CAUSING ) My wife XXXX has been experiencing pretty serious health challenges since XXXX XXXX, and as a result, my income is sharply down because of missing so much work while taking on more of the domestic responsibilities. She has a herniated disc which exacerbated an already extremely difficult ( and unexpected ) XXXX. XXXX. We 're XXXX people in an XXXX home, XXXX miles between the two 16 year old vehicles we own, and mountains of debt owed to NFCU. What has effectively ruined my financial life with Navy Federal, is this rapacious practice of yanking money out of checking and savings accounts to support it 's exorbitant and grotesque fees, interest and penalties. It is egregious and predatory, and only adds insult to our current set of misfortunes. 
Please get a hold of someone there to put an end to the tyranny so that we can get our heads back above water. 
Much Thanks.

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 2016-11-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I wrote to Chrysler Capital about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owned a vehicle with them. They sent me paperwork stating that I was the co-signer of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a XXXX letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened several accounts with SunTrust Bank. When I returned back to the XXXX after several years to check on the accounts SunTrust Bank representative donot recognize any of the accounts ( one account was an IRA ). 
I have checked such websites XXXX. These accounts were opened in the late XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone has used my identity XXXX my identity was stolen to receive services and open several accounts they continue to try to collect and report negatively on my file an account that is fraudulent i have filed a police report report number XXXX and a notarized affidavit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25
Company: Arnold Scott Harris, P.C.
State: IA
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:
I have made multiple attempts to contact this company, with not ever receiving a response. This debt has been paid, and therefore should appear as closed and no longer in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I called Bank Of America about my tax statements from XX/XX/XXXX-XX/XX/XXXX I was told they could only provide me with XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I feel this is fraudulent I need those tax statements ASAP

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 2016-12-20
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is related to my niece, XXXX XXXX. She applied for financial assistance in XXXX 2015. XXXX XXXX was also on Medicaid back-dated. I spoke to XXXX Hospital in 2015 and was told that this bill was being put on XXXX XXXX 's account and should not be in name.

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 2015-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank increased my interest rate far beyond my ability to pay despite a spotless credit history. Though I do not know the legal definitions of USURY and I must assume that the bank is operating within the confines of the law, the spirit of the law has been clearly broken since the practice is purely predatory and without provocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
Western Union send a XXXX form for the year 2015, claiming that I had work for them that year and they paid me {$1500.00} but that never happened, they report that income to the IRS, this is a fake income because I never received any income from this company in the year 2015. 
I can not file my taxes until they clean this fake information up in writing.I had send them a certify letter to ask them to fix their mistake, but they never answer me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I reviewed my Transunion Credit Report and they are reporting a XXXX Auto Loan with late payments. I have contacted XXXX and they confirmed that I never missed a payment and that my account was always in good standing until the account was paid in full. Furthermore, this account is more than 7 years old ( XXXX XXXX, 2007 ).

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 2015-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
You have XXXX XXXX listed twice on XXXX/XXXX/15 ... you penalize me for inquiries and the count them twice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX is assigning a mortage. XXXX has no right since it does note own the note. XXXX only keeps track of mortgages. The bank representative acting as a XXXX reperesentative is assigning the mortgage. XXXX can not assign mortgages. It does not own the note and therefore can not assign the mortgage. The bank representativce does not work for XXXX, or have the rights to assign the mortage without owning the note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Law Office of Rory W. Clark, APLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Yes, debt collector committed the following : " Improper or sharing of info '' as they " Contacted my employer '' w/ a Summons where I am independently contracted as a XXXX. Another independent contractor of my employer ( third party contact ) read, scanned and emailed w/ Subject CONFIDENTIAL the Summons with its entire contents ( see attachments for Summons and third party 's email ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Windham Professionals, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collector is calling my place of employment repeatedly XXXX-XXXXx/day over the course of several weeks. They have called my direct line without leaving a message. They have called the main office line and asked for me by name. An office assistant at my place of work who took the phone call said it was XXXX XXXX # XXXX with Windham professionals. I have received a voicemail from this person on my personal cell phone.

Company response to consumer: Closed with non-monetary relief