BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I applied for a HELOC in the amount of {$80000.00} and was approved. In XXXX I requested an increase to {$180000.00} and was again approved based upon an appraised value of {$500000.00} on my home. Instead of increasing the LOC, they created a new LOC as requested, they created a separate LOC in a XXXX subordinate position, so I now had XXXX HELOCs. There was already a 1st mortgage in place of {$300000.00} with another bank. When the recession hit in XXXX, my home dropped in value to {$320000.00} and has not fully recovered. In the past 4 years I have tried to get a modification on XXXX Lines, went through intensive documentation requirements and was turned down without recourse each time, most recently this summer. Even my " Customer Relationship Manager '', XXXX XXXX, said I should be able to get this modification because " these types of loans are terrible. No one can afford to pay them down when they increase your payments by 3Xs. '' I am currently making about 25 % more income than I did when I was granted the loan, but the original loans were not based upon my ability to pay both principal AND interest, only interest. The first LOC went to term last year and the payments increased from $ XXXX/month to $ XXXX/month. Two months ago, the 2nd LOC went to term and the payments increase from $ XXXX/month to $ XXXX/month. The bank has not worked in good faith to try and remedy this situation which has developed on a loan that should not have been granted in the first place. I can not refinance due to the lack of equity. I owe slightly more than the value of the house. Selling presents a similar problem. From their website, they claim, " The goal of a home equity loan modification is to help you with a financial hardship. Depending on your current financial situation, you may qualify for a modification of your term, interest rate or monthly payments, or a combination of XXXX or more of these loan provisions. You may be eligible for Bank of America Home Equity Assistance if : Your home equity account has been open for at least XXXX months You have n't received home equity assistance once in the past 12 months, or twice in the past five years You 're experiencing a financial hardship, such as reduced income or divorce If you 're not eligible, you may still have options. You may qualify for other forms of home equity assistance, including : Repayment plans of up to 12 months to help you catch up on past due payments Payment extensions of XXXX to three months '' None of this has proven to be true. Please help. 



You 're able to repay the loan

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 2022-05-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-12-27
Company: EQUIFAX, INC.
State: PA
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:
The agency has never received consent from me to have my information. According to the Fair Credit Reporting Act, a permissible use is written consent and directions from me as the owner of the consumer report. I am instructing your consumer reporting agencies to remove address XXXX XXXX XXXX, XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Have sent PennyMac Services numerous Notices and Affidavits to rebut my facts about the validation of an alleged Debt and all i have been receiving from them are Copy 's of statements and old papers " Not originals with my wet ink signature as asked to prove the authenticity of my own autograph. I have gone through the proper procedures asking to settle the matter by ways of the Complete administrative Process, The response that i have asked for was inaccurate that proved i the Living woman owed this alleged Debt. I have all the supporting documents i will attached herein. As a results i have Forward a Notice of Judgement for default for none compliance To PennyMac Services, And the responses ones again wasn't a sworn testimony or in Affidavit format to rebut my truth, therefore as a result this alleged debt should be removed from all my credit reporting and be expunged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan with Santander Consumer USA. I made a payment of {$450.00} while in the process of trading that vehicle for a new vehicle. My last statement had a " estimate payoff '' of {$18000.00}, however that week, the dealership payoff amount was {$18000.00} not including the amount I had just paid. I proceeded with the trade financed by XXXX XXXX. I was told by the dealership the difference from the payment I made would be refunded to me. Since then I contacted Santander USA after receiving a payoff statement. They could not tell anything because the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have XXXX high interest, private student loans with Navent that have been in default for years due to my inability to repay back the loans. I was a student at XXXX XXXX XXXX from XXXX XXXX and graduated with a XXXX in XXXX XXXX. After graduation, I found it very hard to find a job in the field of study. No agency I have applied to accepted my degree from XXXX because XXXX education did not meet the educational requirements to obtain a job in the XXXX XXXX XXXX. I have notified Navent numerous of times and I even attempted to try and repay for 3 or 4 months in XXXX but it was too much of a hardship for me so I had to stop. I explained that I could n't continue and they kept harassing me at work, at home, etc demanding repayment. I have asked them repeatedly, how am I supposed to pay for a degree which is basically a 'blank piece of paper ', in my field, when I can not even obtain a job in that field? I felt that XXXX should repay back the loan. 

XXXX is filing bankruptcy and it was announced yesterday that, you, CFPB is suing Navent for illegal practices made it harder and more costly for some borrowers to repay their student loans. And now today, Navent ( their collection company ) decides to call me again, today demanding I repay the private student loans in full. Loans that totaled approximately {$12000.00} when I graduated in XXXX and is now at approximately {$25000.00}. I am currently on the income-based repayment plan for my federal loans that is at $ XXXX monthly payment because I can not afford to repay and yet knowing full well I ca n't repay, they are demanding I pay in full the Private loans? Why? Because CFPB is suing? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Midwest Recovery Systems
State: NV
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:
I was reviewing my credit report and found this account, that i have never had and they have never contacted me. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I placed a fraud alert on my credit reports around XX/XX/2021. I reached out to Transunion Customer Service to file disputes on transaction I didnt recognize. After being aware of the their data breach some months ago.

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 2021-12-27
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We previously filed a complaint with CFPB regarding erroneous Closing Disclosures we received from Amerisave Mortgage. This finally prompted Amerisave to correct the CDs. However, we continued to experience many other mistaken communications and documents from them including their failure to monitor receipt of documents, ie appraisal report. Finally, we decided we had enough and withdrew our loan application on XX/XX/XXXX and spoke to Customer Service to confirm this and to obtain the return of our application fee. The fee was returned. However, thereafter we received from Amerisave a Notice of Termination that INCORRECTLY listed the reason for termination was Lack of Cash Reserves instead of the correct response of Application Withdrawn by Borrower. 
By email dated XX/XX/21 to XXXX XXXX XXXX of Amerisave we requested that the Notice be corrected. Subsequently, XXXX XXXX called us later that day and offered to assign a new loan team and to get to the bottom of the missing appraisal report promptly. We never heard back from him the next week despite sending him several emails so by email dated XX/XX/XXXX we advised that we wanted nothing further to do with Amerisave. We requested the prompt receipt of a corrected Notice of Termination. We still have not received it. Attached is the notice in question. If emails are needed, I can furnish them also.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I contacted my card issuer ( CashApp ) XX/XX/21 to dispute some transactions. I contacted all merchants of each transaction was previously. Unfortunately, refunds where not processed by the merchants or Cashapp. I had no choice but to file disputes for these transactions. Cash App representatives did respond to my requests. The responded via email asking me to provide details and as shown on screen shots here. I was quick to respond providing the details. I also provided supporting documentation I received from the merchants. 
Cash App has continued to ignore my requests and not help me. 
I will attach supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: CITIBANK, N.A.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Citibank by visiting a branch. There was a poster showing an offer for {$400.00} if a new account was opened and a certain deposit made and maintained for 30 days. After opening the account and depositing I sent a secure message to verify everything was fine with the account, deposit, and promotion, and received back this message : I reviewed your account and I see that your account is opened on XXXX/XXXX/16 and I see the deposit of {$15000.00} you have made on the same date. I suggest you to maintain {$15000.00} for the next one month from the date of deposit ( ie ) till XXXX/XXXX/16 for getting this promotion. Once you maintain this balance till XXXX/XXXX/16 then {$400.00} will be credited on your account with in 90 days no later than XXXX/XXXX/16. 
It is now XXXX/XXXX/16 and I have not seen the {$400.00} added to my account. Any attempts to contact Citi about this result in a dead end. I have : * Sent an additional secure message. I received a reply from an agent stating that they require me to give them the promotional code. I do n't know of any promotional code! I went into the branch to open the account and the promotion was on a poster. When I sent a secure message the first time the agent had no problem locating the promotion on my account, but this time they need some code? Every time I try to reply to this message I get an error. 
* Contacted them on live chat twice. Each time I have logged into my account and then clicked the " live chat '' box on the side bar. Both times the agent has told me that I 'm not logged in and I need to log in so they can view my account details. 
* Called on the phone twice. Both times I have entered my account details in and am to be transferred to someone and instead I am just hung up on.

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 2021-12-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Amazon Store Card thru Synchrony Bank ending in XXXX. Card received XX/XX/XXXX. Created online account and fully completed AUTOPAY so that full balance is paid each month using ACH to a bank. 

Billed XX/XX/XXXX for {$200.00}, went unpaid. Follow on bill included {$29.00} late fee plus interest. 

I believe, based on prior experience, that this is a billing tactic to increase revenue while defrauding new customers. Their database deliberately loses autopayment information. I experienced this before with XXXX  XXXX XXXX also. 

Full amount due paid XXXX XXXX and account will be closed when the payments are cycled out.

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 2016-09-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I had a Preferred Thank you card with Citi which I cancelled when I was bill an annual fee. When I cancelled I agreed to continue my relationship and Citi offered me a no annual fee card which I agreed to take. Citi send me a written confirmation of the cancellation of the Preferred card cancellation. 
I just received the first bill on the new card and it contained a {$95.00} previous charge ( The annual fee from the cancelled card ), a {$25.00} penalty and a {$3.00} interest charge. Citi deigned to reverse the charges after an hour call and said the {$95.00} fee would have been reversed later after 60 days expired from the cancellation date ( and cancellation period was required by law ). That may be true but they were silent with respect to the interest charge and the late fee. 
There practice seem just wrong and Citi should be required to change their policy or at the very least suspend the imposition of a fee on a cancelled card!.

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 2021-12-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
To Whom It May Concern, I opened up a simple savings account at TD Bsnk on XX/XX/2021 on XXXX XXXX and XXXX XXXX in XXXX and I was told that everything was fine when opening up my account with XXXX XXXX using a XXXX social insurance number. 

After not being able to login to my account with the TD app and calling TD bank numerous times to no avail, I went back to the branch. I was then provided with the same firm I filled out before to fill out again and was told I would be able to transfer funds into my account at the end of that week on XXXX XXXX 

A couple of days later I went into the XXXX XXXX XXXX branch and met with XXXX XXXX and also opened up a Checkings account. XXXX XXXX told me that my simple savings account was still not opened up with TD bank because of an issue with using my XXXX social insurance number. That same meeting, I was told that the issue was being dealt with by the back office and XXXX would let me know what was happening by email a couple of days later. 

I still have not heard back from anybody at TD bank regarding the hold up providing private and confidential information to TD to bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A random {$290.00} disappeared from my bank account without my knowing on XX/XX/XXXX. This happened without my authorization or anticipation. I did not notice until looking up my account balance before heading out of town for holiday break. After calling Simple to inquire about this random charge and have my funds put back into my account, instead they locked up my account for now over XXXX weeks. Simple has provided zero assistance and no resolution in my matter. In fact, their customer service has flat out just gotten horrible over the last few weeks in comparison to what they used to be. I 've been a customer of Simple 's for years, since the very beginning of their inception as a company. This is the first time I 've felt completely let down and almost misled. Each and every phone agent, XXXX, dispute XXXX and email support agent gives me the same excuse of " we are sorry but have no information we will be in touch when we have something. '' This does n't fly with me. Had this been an account with ANY OTHER bank, I 'd have answers. What happened to this {$290.00}? Where did it go? Temporary credit so I can continue on about my life for the holidays? No. I 've spoken with so many agents at this point, we 've taken steps backwards and have accomplished nothing ... zilch. Judging from the dozens and dozens of similar comments over the recent weeks from other customers on Simple 's social networks - this is NOT an uncommon problem. Many other customers are reporting missing funds and Simple having no answers or resolution. Seems to be happening here right around the time of their switch to another bank or something of that nature. In any case ... something is amiss and I do n't feel Simple is handling business appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had my home mortgage with Bank of AmericaI went thru hell for over a year to get a loan modificationSo I would n't be foreclosed XXXX finally got approved to get my payments downFrom about XXXX. Mo to XXXX. A monthA couple months later they sold my mortgage to countrywideWho was then taken over XXXX sent me my mortgage bill and it was back upXXXX XXXX. XXXXI am a widowed XXXX yr old woman who doesn'tKnow where to turnEach bank says it 's the others problemI 'm afraid of foreclosure because that one paymentEats all my social securityI just had a bout with XXXX and have medical issuesAnd bills and need direction can someone pleaseGuide me or help me get myPayments affordableAll my utilities are XXXX months lateThe house is falling apartThe roof leaks basement floods windows andDoors stuffed with plastic bags to keep weatherOut furnace air and sump pump are oldAnd in bad conditionI really really need help getting these paymentsBack to XXXX or XXXX a month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation