BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I co-signed both private and federal loans for my brother to go to the XXXX ( XXXX ). Within the past year he 's been unemployed and has deferred his loans. I also paid {$150.00} 3 times to place the loans in forbearance. Navient said he would n't have to pay for 3 months but within that time, they continue to constantly call both of us, send us emails and say that payments are late. Twice within the past 4 months, my brother has called to figure out a payment plan or do what was necessary so this would n't affect my credit. The first time was within the forbearance 3 mts, they said he could defer the loan until XXXX but continued to call me and when I answered they told me he never called and that I needed to pay or my credit would be affected. This was the last time I paid {$150.00} and was told a payment was n't needed for 3 mts but then the calls and harassment started again a month later so my brother called and worked out a payment plan of {$400.00} a month. He gave the customer service rep his checking account information so the payment would be automatically withdrawn from his account every month. Now we are being harassed via email and constant phone calls due to payment not being received since XXXX XXXX, 2017. They are claiming that my brother owes {$1200.00} this time to make him current. At this point, I do n't know what our options are since every month its the same run around and they keep taking our money then saying they need more to make the account current. My concern is how much money has been incorrectly accounted for, will this eventually negatively impact our credit, how much extra interest has occurred and how do we get this to stop. To add to this, Navient never documents when my brother or I have called. I 've asked what 's been documented in the account, nothing. I 've also asked for confirmation emails every time I paid {$150.00} and never received anything. Can you please help us? thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I did a refinance with Bank of America. I have owned this investement property for 10 years and have paid a total of {$35000.00} in PMI as the loan to value was not XXXX %. the PMI payment is {$300.00} a month. currently the LTV is over XXXX %. Owe XXXX and appraisals are coming back at {$410000.00}. I have requested 5 times total to remove and they refuse. Also apparently they changed the terms in the refinance that it is now XXXX % LTV and minimum 2 years before they will look at it. I have offered to make a one time payment to reach the XXXX % and they said they would be happy to take my money but would have to again apply to get PMI removed. I do n't understand. Unprofessional. Bank of America is taking advantage of there consumers and not notifying them of these line items.

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 2016-08-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I paid my credit card bill in full three days after the due date. I was charged interest, and then paid the next month 's bill in full before the due date. However, I was charged interest a second time despite having paid the balance in full twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I filed a complaint with CFPB about my American Express Account. I received a letter from American Express, in light of your investigation, stating that my account would be re-aged and the delinquencies would be removed. I have since filed XXXX disputes with XXXX regarding my account, attaching the letter I received from American Express. After much frustration, I called XXXX and explained what happened. They told me American Express uses a different account # from my actual credit card # when reporting to credit reporting agencies. They said the would send the letter to American Express to verify. I just received their investigation and once again, the account has not been re-aged as stated in the letter I received from American Express. To add insult to injury, American Express now has my account as being closed in XXXX, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am in the process of purchasing a home. A critical task to qualify for the mortgage is to remove my name as an authorized user for the Bank of America credit card, account number XXXX. I contacted your office on XXXX/XXXX/16, requested to be removed and for written conformation to be faxed or emailed so that I could provide it to the mortgage company. For whatever reason, you stated that you could not fax or email the letter and that you would have to mail the letter confirming the removal. After waiting three weeks, I contacted your office again on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16, to request written confirmation. Since you failed to send anything after the first request, I demanded, and you agreed, that fax the letter directly to the mortgage company and mail it again. The faxes never went through and I have not received it in the mail. Without this letter, I will not qualify for the mortgage ; I will suffer financial losses and lose out on purchasing the home of my choice. I do not understand why you can not scan and email this very simple letter and why you would treat a valued customer in this manner. I would like the letter scanned and emailed to me immediately.

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 2015-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Bank of America ( BOA ) checking account and BOA credit card was hacked for {$10000.00}. According to BOA, a criminal, most likely assisted by BOA employee ( s ) joined my account using the BOA website. The next day, a criminal went to a local BOA and over withdrew the funds from my checking account. The overage was charged to my credit card. Upon getting my regular BOA monthly credit card bill, I contacted BOA and they issued a refund. NOW I 'M UNABLE TO OPEN AN ACCOUNT AT XXXX DUE TO SUSPECTED FRAUD ACTIVITY BY ME ON THE XXXX REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was sued by Midland Funding llc back in XXXX. They sued me aftervthey supposedly purchsed XXXX charged off credit card debts. After inpaid sn attorney to negotiate thiese for me they have still continued to harrass me for payment. I have also paying a law firm called XXXX law fow over 2 years to help get my credit back so i can keep my business going an be able to survive. After thousands of dollars to XXXX law they were able to get my credit scorse back to whete i can finally get the help i need. Just recently on XXXX XXXX they got midland funding to remove then negative items from my credit reports. I am still making my monthly payments to them thru a law firm called XXXX After they removed these itmes my credit score was marked good snd i was about to go try to get a business loan to advance my business. Now after all this just today XXXX XXXX only about 2 weeks after it gets fixed they now put these itmes back on my report. Now my scores have gone down again over XXXX points. They knew i was working with a credit repair law firm simce they kept sending me letters saying they did not have enough information to process my requst to verify these items because they felt it was requested by a credit repair agency. I do feel they have once again violated the credit protection laws and have deliberately attacted my credit again. I feel they should now be required to immediately and permanently remove these items as well as pay me for this attack. It is hard enough to get by the last few years without being attacked by a junk debt buyomg compant that is only out to scsm hard working people out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: OH
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:
There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We opened a Bank of America mortgage in XXXX XXXX. We have since went through XXXX modifications with them in which we were told not to make payments on our current mortgage until our modification was approved. Once our loan was modified our payments were not shown as made on time and our new balance on our loan was never shown. We have also been on time with payments since the beginning of XXXX but Bank of America shows XXXX, 30 day late payments at the end of last year. I have the receipts showing when those payments were made and still Bank of America and the credit bureaus have refused to remove the 30 day late marks on our credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a American express by bluebird prepaid debit card I withdrew XXXX $ from a atm that I went to because there were no fees to get cash so anyhow the money was never dispensed but came out of my account still the banthat I used the atm at said there 's nothing they could do and said I had to time a dispute with the card carrier so I filed one and the told me it would take 10 to 45 business days to get back in other words since they were n't going to review my situation for 10 business days and then once the review my situation they may have more questions that I half to respond to and then up 45 days to review the questions I answers back. I know the there are laws set by the government and they are breakimy them since they are n't largely regulated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I cancel the credit card because I was unhappy with the customer service and the business practice. The credit card was cancelled XX/XX/XXXX but despite numerous attempts to close the credit card account ( each time I was told the error had been corrected, the account was closed with XXXX balance ). These attempts including reach out to Consumer Financial Protection agency ( Case # XXXX & XXXX ). So far, I have XXXX written confirmation letters from HSBC pertaining to the closing of credit card. But despite the confirmation letters, HSBC decides to harass me yet again about the account that I close XX/XX/XXXX and demand payments. There is very little an individual can do against a big financial institution like HSBC. I was diligent in making payments, contacting the bank to close the account and I have the letters from HSBC confining it is close. But none of this matter when HSBC can decide to send me a statement demanding payment and and resume the harrassments. Even letter from HSBC with the agency case number does not stop the bank to come after me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: ERC
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/18 incident date XXXX XXXX  XXXX XXXX XXXX Amount charged {$2800.00} with 26 % interest revolving -MALPRACTICE ON A MINOR. 
-NEGLIGENCE FOR FAILURE TO A INITIAL CONSULTATION. 
-NEGLIGENCE FOR FAILURE TO PRIOR ACCURATE MEDICAL ANALYSIS OR HISTORY CHECK. 
-MALPRACTICE FOR INCOMPETENCE POOR PERFORMANCE. 
-INTENT AND DENIAL TO RIGHT TO CANCEL CONTRACT WITH A LESS THEN-24 HR NOTICE. 
-REFUSAL TO COOPERATE COMMUNICATION LESS THEN -24HR AFTER PATIENT REQUEST TO CANCEL. 
FAILURE -BUSINESS CONTINUED PAYMENT WITH INTEREST FOR NO SERVICES RENDERED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
American Express XXXX XXXX XXXX Account online. I applied, provided the requested personal information, then there is a message that says " we will contact you for further information ''. I have not been contacted. Why is American Express asking for my personal information if they are not going to approve online, or provide a confirmation or TELEPHONE NUMBER, or contact me as they said?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I RECENTLY RECEIVED A LETTER OF GARNISHMENT FROM MY EMPLOYER. I CALLED THE LAW OFFICE OF XXXX XXXX XXXX LAW FORM TO CONFIRM THIS WAS ACCURATE. 
THIS COURT NOTICE WAS ACTUALLY SENT TO THE WRONG ADDRESS AND DID NOT MAKE IT TO ME IN TIME TO SETTLE IT, SO NOW THEY ARE GARNISHING MY WAGES FOR 25 %. THIS IS RIDICULOUS. IF THE CONTACT INFORMATION WAS CORRECT INITIALLY THIS WOULD HAVE BEEN TAKEN CARE OF AND WOULD NOT HAVE GOT TO THIS LEVEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the attached account with Equifax as not belonging to me. I have contacted the collector and the original creditor who are unable to provide me with any proof of the validity of this collection. Equifax supposedly verified information several times, but they are unable or unwilling to provide me with proof of method of verification for over 60 days. This is a fraudulent collection that Equifax refuses to remove from my report and also refuses to show me proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I mailed a qualified written request ( a " QWR '' ) to my mortgage loan servicer, HSBC, in which I requested : ( 1 ) the identity of the owner of my loan ; ( 2 ) any restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 3 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; ( 4 ) an itemization of any costs, fees, and expenses charged to my account since I defaulted ; ( 5 ) a description of HSBC 's efforts to establish live contact within 36 days of my delinquency to inform me about loss mitigation options ; ( 6 ) a copy of the written notice required under 12 CFR 1024.39 ( b ) ; and ( 7 ) a copy of the log HSBC maintains for the servicing of my account since the date of my default. This QWR was delivered to HSBC on XXXX XXXX, 2015. 

On XXXX XXXX, 2015, HSBC responded to this QWR by mailing me : ( 1 ) the mortgage, ( 2 ) the note, ( 3 ) the HUD-1, ( 4 ) the payment history, ( 5 ) Quick Reference Transaction codes, ( 6 ) the Truth in Lending Statement, and ( 7 ) loss mitigation letters. 

HSBC failed to provide me with : ( 1 ) the restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 2 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; and ( 3 ) a copy of the servicing log for my account since the date of my default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi My name is XXXX. I recently applied for a modification loan with the company that is now servicing my loan. I sent in all the required documents and the company Selene Finance. A representative showed up at the property which I have rented out and gave all the details of my current loan to my tenants. Told them I was behind on my mortgage payments and they could send in the rent payments to the Mortgage company directly instead of me. They gave details about my private information which is a major violation to the privacy act. I was so upset I called them right away to file a formal complaint. They said they cold not do anything and they were sorry this happened. I am writing them a formal letter and also filing a complaint with your agency. I hope this type of behavior is corrected so it does not happen to another consumer. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: OH
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:
There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not my bill. At the time of service I had XXXX types of medical insurance that would have covered this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I XXXX in XX/XX/XXXX. when I check in to the hospital I XXXX to, I gave the hospital my insurance information. My insurance cover my stay and expense except for XXXX account. I notice an account on my credit a and I wan'st sure what It is was for, so I called and they did not know either until i finally spoke to a lady who told me that it was for my daughter XXXX. I told her that we had insurance. That is when I ask for the provider information. They would n't give me the information i had to google it. I called the medical office and the lady I spoke with said the hospital did not gave them my insurances information. that is so wrong because I gave them my information so my stay and everything include could be paid for. she said they send me a letter but I never received it because they sent it to the wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Back In 2016 i enrolled myself in XXXX XXXX XXXX, I was enrolled for 18 months out of that 18 months i only completed 6 months when the school closed unexpectedly on XXXX XXXX, 2016 in XXXX XXXX. During the enrollment process i was granted a private loan From ASFG for XXXX and this lender is still wanting to me to pay for a school that no longer exists and the owner was granted a Chapter XXXX Bankruptcy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
1. Multiple ACH in the same month- Selene Finance has done XXXX ACH transactions for XXXX mortgage payment in one week. I have raised the issue but no solution. 
2. Shortfall in escrow- They have increased my mortgage by saying that there is a shortfall in escrow of over {$3600.00}, but have not given a reason how the shortfall occurred! I have followed up multiple times and they say that it started with a negative but they done tell me why the negative happened when the property tax did not increase and the interest payment did not increase! 
3. Incorrect reporting to credit bureaus- I was under a repayment plan and made all payments on time. I represented to the previous mortgage company XXXX XXXX XXXX who corrected the credit bureau reporting but Selene refuses to do it. 
The repayment agreement implied that we make a monthly payment that included a portion of the current payment and portion of the past due balance. From the monthly payment of {$3700.00}, {$2000.00} is accounted towards the current portion of the mortgage and {$1700.00} is accounted towards the past due balance ( para a pg XXXX of Stipulated Payment Agreement ). Therefore, we were current on all payments!!! They are reporting late so the borrower is tied to them for a longer time on high interest rates and bogus fees! 
4. please see other reviews about this company- XXXX

Company response to consumer: Closed with explanation