BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-30
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Respa has been looked at for my relocation expenses. I was told I would receive {$3000.00}. 
Money has not been received, and I do not want to wait any longer for this money.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was charged XXXX 90 days lates in XXXX and XXXX of 2013. I was enrolled at XXXX University in Oregon but i was not using financial aid so i did not do a FAFSA. Years later when i finally checked my credit, I found the late charges and I disputed them. Navient told me that they needed proof of enrollment so i sent them my class list and fee schedule for that semester. They informed me that was n't good enough and requested additional info. I feel like they are just making it hard for me to remove those late payments so they can keep their rates higher. This is double jeopardy. I would like for them to remove both late payments from all XXXX credit reporting agencies. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FIA CARD SERVICES - XXXX, this company keeps calling several times a day, after talking to a live person, explaining to them that we do not have an account with them or have any past due account and to stop calling, they continue to call. They claim they are calling from Bank of America. We told them we DO NOT HAVE AN ACCOUNT with Bank of America or past due amount with anybody. 
They continue to call several times DAILY. They are calling for the correct person BUT we never have any account with the company they are calling from. THEY START ASKING FOR OUR SOCIAL SECURITY NUMBER AND THEY WANT US TO VERIFY THE PHONE NUMBER THEY ARE CALLING. THE CALL IS ALWAYS AN AUTOMATED MACHINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello, I would like to make a formal complaint against XXXX in the Navient Collections Department.I set up a payment pay with Navient and they say they took my money out on XX/XX/XXXX. However, my bank manager told me that Navient never took my payment out. I called XXXX and I wanted him to take the payment from my debt card. However, he started to talk smart and then I started talking smart to him.On a personal note, I believe that Navient has workers there who have no respect for people trying to pay their student loans. At first, XXXX did not want to take my payment from my debt card and fought me all the way. Then he told me after the payment went through that Navient was going to double charge me and I could not complaint about.Personally, I just trying to pay my bill with Navient without people like XXXX causing me problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank America made me signed an agreement with out disclosing the interest rate or the new term of the loan. I was just presented a lower monthly rate. I was happy to see the new mortgage rate was low. But after it was said and done. The interest rate remained the same and term.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-01-18
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:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report and proof of my identity. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.

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 2015-08-11
Company: Monterey Financial Services LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting daily calls from local XXXX number ( Halsted Financial Services debt collection ) ... ( XXXX ) XXXX ; a recorded message. When I call the number back one minute later there is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Fenton & McGarvey Law Firm, P.S.C.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX of 2016, I called Fenton and McGarvey Law Firm, hereafter known as " the company '', and asked for assistance in figuring the final payment amount for my account. The representative told me the payoff amount and provided me instructions for how to pay the account off online as I was not in a position to provide payment information at that moment. Before the contact on XXXX/XXXX/2016, I had a payment arrangement with the company that consisted of a monthly payment of {$64.00}. When speaking to the representative, she confirmed that my monthly payment arrangement would automatically cease when the account was closed out. However, on XXXX XXXX, 2016, a check was sent to my bank for cashing from the company in the amount of {$64.00}. I called the company on XXXX/XXXX/2016 and was told by the representative that I spoke that they were aware of the error but would not return payment until XXXX. When I asked to speak to the supervisor, the representative told me he was unavailable and that it was " my fault '' that payment was taken. She informed me that due to the fact that I paid it off online, they were not able to cancel the monthly arrangement. This was after being on hold and listening to their IVR inform me " For faster service, please pay online '' I told the representative that it was unacceptable for them to place blame on me and demanded to speak to a supervisor. After being place on hold, I was routed to a XXXX XXXX and placed on hold for 10 minutes. When he returned, he said they needed proof that the additional funds had been removed from my account ( after the previous rep confirmed that they knew there was a payment overage and would be resolving it ) I offered to send a copy of the electronic check and the line from my bank statement to resolve the matter before XXXX. It feels incredibly invasive to be asked to provide this information when they were able to confirm an over payment had been made. The company has violated the FDCPA by engaging in unfair collection practices by removing an amount more than what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very frustrated with SLS they dont want to offer me principle forgiveness, even though my loan is eligible. I had to pay for the for a new appraisal because SLS was stating my home is not worth {$230000.00} after paying for the appraisal my house was worth {$35000.00} only. However ; now they have increase the value purposely for their own benefit. This needs to stop I have tried to work directly with SLS. But unfortunately they keep making me re-apply. All I want is a fair review, I am tired of all the fraudulent claims SLS is using against me to prolong my loan, making me fall more behind. I am an elderly men and my family is helping me to contribute towards my household. SLS has all the proof of my current income which is {$XXXX}. My monthly expenses are {$2000.00} includes my monthly mortgage payment and utility bills. However SLS still stated I dont have enough for an affordable mortgage even though, I have a {$300.00} surplus. Like I have mention my home is severely under water and is only worth {$35000.00}. But SLS keeps changing the value for there benefit. I am tired all I want is fair review and to keep my house. I can not help but to think that SLS engages in fraudulent and deceptive practices during a modification review.

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 2016-03-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
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:
SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? 
If yes From who?

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 2015-04-06
Company: STATE FARM BANK, FSB
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Why did I make payments to State Farm bank for the prepaid insurance they got from XXXX XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CAINE & WEINER COMPANY, INC.
State: MI
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 and their representative credit company Caine & Weiner put a fraudulent debit on my account, as they are claiming I have not returned the laptop which they issued me, which I already did and now they are saying its not a correct laptop and in essence put a charge of {$930.00} charge against me and also still have the laptop which i returned, so they have the lap top and wants more money, when I explained that to Caine & Weiner they said since they already reported this to XXXX major credit companies, they will not correct it and they are convinced, that XXXX claim is corrrect, even thought that they still have the laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
They never sent any info. the amout is completely wrong. Had credit berau verify to no advail. These people need to be more accurate and send proper info.. They need to remove from my credit. They should not just be able ro pit on someone credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I just applied for a mortgage refinance and was told that my capital one credit is currently reporting us 60 days late!. This is NOT true. We paid off this credit card back in XXXX. I am not sure how it is possible for them to be reporting us owing any money at all let a lone 60+ days late. I am outraged. This has dropped our credit scores over 60 points!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Michael Haynes & Associates, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX of Michael Haynes & Assocites XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX / XXXX from either phone number listed here has been calling my business and harassing for some time, but he now is calling my mother in law who is XXXX and harassing her to get in touch with me ( not sure how he got her number ) talking nasty and very unprofessional. This debt he is talking about with XXXX was discharged in XXXX 2005 when a company I owned went under also causing me to file bancruptcy personaly I tried to explain this and it turned into an arguement. With him yelling that I was going to pay this XXXX debt no matter what. I have filed compliants with the XXXX attorney general as well as XXXX attorney general. Does n't seem to be getting anywhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: IQOR US INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
This company is calling me at all different times of the day. Here are a few samples of times they have called. 
ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Sun. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX XXXX Sat. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Thu. XX/XX/2015And it goes on and one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: LA
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 student loan thru Navient I have been paying on the loans but over the years instead of the loan amount decreasing they have been increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. Someone stole and used my personal information to open up a credit card account with Bank of America. The account is unauthorized and fraudulent. I have never applied for a credit card account with Bank of America.

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 2015-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Bank of America reported my credit card accout XXXX. The exact same credit card number is reported twice with one having no credit limit information, and the other XXXX with a credit limit of {$8500.00}. Bank of America reports XXXX these accounts opened XXXX. Bank of America reported these on page XXXX and XXXX of XXXX pages on this credit report. However on page XXXX of XXXX on this same report Bank of America reports a third account opened in XXXX. I did not open XXXX credit cards with Bank of America in XXXX of XXXX! Why and how did Bank of America report this information? Why did Bank of America report my credit card account on page XXXX and XXXX then a third Bank of America credit card account on page XXXX. Why did Bank of America report my account twice as if it were two different accounts and why did they report the third account XXXX pages later on page XXXX on the same report? 
On XXXX credit report of the same year XXXX Bank of America reported this same credit card was opened in XXXX with {$26000.00} credit limit. When I reported my card lost/stolen in XXXX of XXXX Bank of America replaced it with the same credit card number as the one reported lost/stolen. I called Bank of America and asked them why they replaced my lost/stolen card with the same credit card number? They then replaced it with a new credit card number, but on the credit report they report it lost/stolen without closing it. Gave me a new credit card number very similar number except the last four digits. Bank of America then gave no answer for the credit limit, but later reports show that Bank of America reported the High Balance of that credit card as the credit limit. Why did they try to replace my lost/stolen card in XXXX with the same credit card number? Why did they change the credit limit so dramatically from {$26000.00} to {$8500.00} when they replaced my lost/stolen card. On the XXXX credit report Bank of America reported a third account. I only have one credit card with Bank of America, I remember they sent me a card in that same time period, I was not happy that they were sending me another card, it did n't make sense, so I called them. They said something along the line of " oh you do n't want it? '' I said no. This was around that same time in late XXXX. 
I did not open a credit card with Bank of America in XXXX, nor did I close it in XXXX. I do n't even think I opened a Bank of America credit card in XXXX, I believe I opened a XXXX XXXX, but not Bank of America. I only have ONE credit card with Bank of America. 
I want Bank of America to answer and explain all of the above inaccurate information regarding my credit card account in my credit reports. I believe Bank of America deliberately reported my accounts innacurately. Why? 
When this is explained by Bank of America I may need to take their answers to an attorney for processing it legally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a {$2000.00} deposit to one of my Bank of America checking accounts on XXXX XXXX, 2016. I then had to transfer the money to another checking account to cover a payment and on XXXX XXXX, 2016 I mistakenly transferred the {$2000.00} to my credit card account ( giving me a negative balance on my credit card of {$1100.00} ). The mistake was very easy to make as the XXXX checking accounts and credit card account show up in the mobile app as though they were all similar accounts. When I realized the mistake I made, on XXXX XXXX, 2016 I pulled the {$1100.00} negative balance back out of my credit card account and transferred it to my checking account. Bank of America charged me {$61.00} to pull my own money out of my credit card account and pass it to my checking account, claiming that it was a " cash advance '' from my credit card. However, I was not using my credit card to finance anything, I was simply pulling my own money back out of my credit card account and transferring it to my checking account. After the transaction I had a {$0.00} balance on my credit card and did not take a cash advance. I called Bank of America and tried to get my {$61.00} refunded. After an hour on the phone with them they refused to give me my money back.

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 2015-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
As a retiree on a very small pension and bank with Chase bank, I am filing this XXXX complaint based on the same problem issue. There are times I will incur insufficient funds for no more than 2 days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than 12 hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Navient Solutions, LLC.
State: IL
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:
In XXXX 2015, I made an arrangement with Navient of XXXX XXXX for a program called The Rate Reduction Plan. Per our agreement, I would successfully make XXXX auto-debited payments from my bank account and this would bring my higher payment which was almost a month past-due since I was making these lower payments, up-to-date. I have proof of XXXX successful payments, and an arrangement for auto-debited payments for XXXX more months. Navient went ahead and reported the pending past due amount to the credit bureau without informing me or my cosigner and thus greatly damaged our credit scores. This is unacceptable as I took proactive responsibility in making payment arrangements with Navient to avoid such actions. I was never informed by any agent or through the automated agreement over the phone, that the pending amount due would be reported. I was only told that once I made these XXXX payments, my account would be made present and start to reflect these new payments. My last successful payment was made on XXXX XXXX, 2015 and my pending amount due prior to arrangements is still saying it is past-due. It is impossible to find an agent who is fully informed on this process and this lack of cohesion reflects poorly on such a large corporation.

Company response to consumer: Closed with non-monetary relief