BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
Company: Ad Astra Recovery Services Inc
State: TX
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:
As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address  on file for the account is not address I 've had the same address for 9 years. If the com pany had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  USPS  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed   XXXX   XXXX    2017. By l aw this company has to mark my account disputed upo n 30 days of the request I sent by mail which was not done and any validation  information binding me to this account was not sent within the allowed leg al 15 da ys. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: JH Portfolio Debt Equities, LLC
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My co-signer for a private student loan received a single phone call from a collection company, Credit Control. My co-signer explained that I was not available at that time but would pass the message on - the rep insisted that I knew of the debt as they have sent several letters and made several attempts to reach me by phone. No letters have been received, and no phone calls other than this single call have been made. A few hours later, I returned the call and offered to pay regular monthly payments starting in a few weeks time as I did not have a lump sum and could not at that time make a down payment. The rep told me that without immediate payment, " further collective action would be taken '' and he refused to set up regular payments on the account without a payment then and there, even after explaining that I did not have the money to make a payment at that time and that doing so would put me in a worse off financial position. I explained again that I was happy to make regular payments that I could afford starting in about 2 weeks time, and he again refused and fell silent. I felt harassed and bullied into making a payment which I could not afford at that time.

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 2016-01-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from XXXX XXXX XXXX since XXXX/XXXX/XXXX. I just today ( XXXX/XXXX/XXXX ) have been notified of XXXX XXXX XXXX selling my loan to a company called Shellpoint Mortgage on XXXX XXXX, XXXX. I have not received any letters of this transfer and had no knowledge previously. I called them today and they told me that the loan was just today sent over to a loan modification specialist for review. They had 14 days to do that already and they have not done so until i called them. Also they are saying that there is a foreclosure sale date scheduled on my home for XXXX XXXX, XXXX. They said that they do not have to file/ record a new Notice of Default and Notice of Trustee Sale and the sale will stay the same from the old servicer. So essentially I only have Monday to get any documents in to Shellpoint mortgage to finalize the review for a potential sale postponement. The servicer is not giving me a chance to apply and be reviewed for a loan modification.I only have ONE day to do anything for my loan modification. I did not even have a single point of contact assigned before today 's date so that they could review my loan modification. How is this company operating. 
This company is so violating right of mine. 
California Homeowner Bill of Rights. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTS The California Homeowner Bill of Rights became law on XXXX XXXX, XXXX to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Union B ank took over my  XXXX   XXXX  card and my  XXXX  Card from  XXXX   XXXX  Bank. They changed the card from an  XXXX   XXXX  card which I had applied for to a  XXXX  card. By changing the card, they made it appears the card was a new card issued  by Union  Bank.     In the process of taking over the card, I lost my  XXXX   XXXX  benefits and the web and app access to my first bank card app and easy to use web site. After a few months, I noticed a {$99.00} annual fee.     I contacte d Union Bank  and explained the situation and asked them to remove the fee since I no longer had the same benefits. The phone agent told me she was unable to do so. I asked her to close my account and reverse the fee. She agreed and closed the card and after  XXXX  minutes on hold, she returned and said the account was closed and she could not reverse the {$99.00} fee.     I spoke to a supervisor  (   XXXX  ) who confirmed the card was closed and that they would not reverse the annual fee charge. I asked to speak to client relations and the supervisor said there is no one above her I can speak to.     I called the following day (  X/X/2017    ) and asked to speak to a supervisor. I was advised by the  CS rep (   XXXX  ) that there were no supervisors and they were all in meetings. I asked to have the fee reversed and she said no.     I explained that I had another identical card and asked if there was an annual fee. She said  No t here isnt. I asked her to explain how to identical cards ( Union Bank  XXXX   XXXX   XXXX   XXXX  ) from the same bank could have such different terms and her response was I do n't know and there is nothing I can do.

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 2015-03-31
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I refinanced our home in XXXX, 2015. The former mortgage company was Green Tree. Since then we 've gotten several letters and phones calls from them regarding different things from insurance nonpayments to today 's call saying that we owe the XXXX payment plus other charges that were n't named. On their own website it shows that we have a balance of XXXX but they state that 's inconsequential and incorrect. The conversations have become increasingly rude. I 've had my mortgage broker call on my behalf but they tell him one thing me something then my husband something different again. 
Previously, they failed to accept the cancellation of my homeowners policy so they paid XXXX policies for a year and a half leaving my escrow several thousand in the negative. I had to deal with that myself with no help from them. Next, they are hounding me for XXXX 's payment that I do not owe and are being rude. Why would they tell us an incorrect amount for payout? Now they are threatening to make the escrow balance even less and therefore me owe them more by paying the taxes that are due even though we have paid off the account. UGH! The woman on the phone seemed to think she was being tough or threatening by stating that the account was still open and we still owed money. Please help! THESE PEOPLE ARE HORRIBLE! THE ONLY GOOD NEWS HERE IS THAT WE HAVE MOVED ON TO ANOTHER COMPANY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back around  XXXX   XXXX  I sent my paperwork to Rushmore via return  XXXX . When I called to follow up they told me they did n't receive it. It took anothe r 2  weeks before they sent me another which I mailed back on the  XXXX  of  XXXX . When I called to check the status they told me they were n't going to review it because it was less than 37 days prior to the foreclosure sale on  XXXX / XXXX /  XXXX  . According to RETURN INTEGRITY & ACCURACY TO FORECLOSURE AND BANKRUPTCY PROCEEDINGS a lender or servicer is to continue review up to 15 days prior to the sale date and conduct an expedited review. It appears that Rushmore is not following the rules to allow me to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: JPMORGAN CHASE & CO.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently paid off a vehicle with Chase Auto Finance, the exact date being XXXX XXXX ( considering we were n't allowed to submit payments XXXX XXXX XXXX ). The normal procedure as stated on the website was then to issue me my title to the vehicle within two business days. Well, it has been over a month and I have yet to receive it. I have called numerous times and each time I speak to someone they have to issue a " request '' to a different department to get my release issued and title mailed and also, to close my account. They then give me a ten day deadline, and ask that I call after the ten days has ended. Each time, they simply postpone the deadline. I finally drive to a storefront Chase Bank who then says they are going to overnight me my title. I received this letter the next, and all it includes is a lien-release. I go to the XXXX who then says they can do nothing for that. All I want is my title, which I rightfully own, and for this company to stop reporting to the credit bureaus that I have an open account when I paid it off over a month ago. I have been a good customer and have paid my loan in full in good faith, and they ca n't even issue me my title to my vehicle and give me what I rightfully own. This has even prohibited me from selling my vehicle twice, a total of {$25000.00} lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My BofA checking account statement ending  XXXX / XXXX /  XXXX   had a {$14.00} service fee. Because I have over {$5000.00} in an IRA with the bank, my fees are supposed to be waived, and had been in the past.     I called and talked to  XXXX  at  BofA  on  XXXX / XXXX /  XXXX  . She agreed I should not be charged and credited my account {$14.00} which was deposited that day. I clearly stated that besides the refund, I wanted the root cause of the problem taken care of so I would not have to waste my time again in the future.     The cause was not found and fixed because on my next bill ending  XXXX / XXXX /  XXXX  , I was charged another {$14.00}.     I want Bank of America to conduc t RCCA (  Root Cause Corrective Action ) to address this problem once and for all. I would be surprised if this problem has not effected other account holders.

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 2016-01-07
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have been behind with our monthly mortgage payment. In order to bring the mortgage current we should come up with {$8200.00} which is what we owed. On XXXX XXXX, 2015 we entered in 3 months agreement plan with Shellpoint Mortgage Servicing. They asked {$2000.00} down to start the plan. We provided it to them right on the spot over the phone. The plan has set for the months of XXXX, XXXX & XXXX. According to the agreement if we kept it, in XXXX we should start paying regular monthly mortgage. Which supposed to be {$820.00} according to the original loan but Shellpoint has " jack it up to {$1100.00}. We will comeback to this point, let 's finish with the payment 3 months payment plan. On XXXX XXXX, we called we made a payment of {$2800.00} for the month of XXXX. They are classified this payment on credit report as XXXX payment. The {$2000.00} down showed that withdrew to XXXX XXXX ID XXXX $ XXXX {$5.00} fees transaction XXXX/XXXX/2015. 
On XXXX XXXX, 2015 we mailed a {$2900.00} cashier 's check. When we called on XXXX XXXX to make the final payment. They indicated they never received payment for XXXX. We made a {$2700.00} payment which should conclude our agreement. Because they said they did n't receive the check we sent, we went to the bank to verify. The XXXX has given us a copy of the check has cashed on XXXX XXXX by Shellpoint. After all those things, surprisingly Shellpoint sent a letter to inform us that we did n't keep the agreement is null. They ask {$4400.00} when we asked the representatives why is that money for? One of them said attorney fees and others. When called multiple times to ask representatives to review our account, some of them said they saw the amount of {$2900.00} check some of them said they do n't see it. Now they intent to foreclose in our mortgage even through we paid them. We have contacted XXXX as XXXX XXXX. They were helpless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
While checking my USAA Federal Savings Bank checking account it was noticed that a person I was married to approximately thirty years ago was designated as an authorized signature on my account. This was done by USAA Federal Savings Bank without my consent and I was not notified by the bank. 
I called USAA Federal Savings bank and asked about this problem. I was told the Bank had a computer glitch and they had taken care of it, BUT some accounts had fallen through the cracks and I was XXXX of them. 
No apology, no compensation for violating the trust I had placed in that institution. 

I am not certain if I filed this complaint at an earlier date, but I have no record of a response from the Consumer Finance Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX XXXX 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. Transunion, XXXX, XXXX, and XXXX Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

Who did Transunion, XXXX, and XXXX interview and can the provide the interviews with neighbors, friends, or associates of the consumer reported on? 

DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) PREFERRED CREDITOR The accuracy and integrity of these reported accounts are misleading and inaccurate.

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 2021-12-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive reached out to exquifax, XXXX and XXXX 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Linebarger Goggan Blair & Sampson LLP
State: CT
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 was contacted by Linebarger Goggan Blair & Sampson , LLP numerous times to collect debt for an XXXX violation. This violation was paid on XXXX XXXX, 2016 through the NY XXXX website. The last notice to collect this debt was sent to me on XXXX XXXX, 2016. I tried to contact them by e-mail and phone to resolve this issue and got no response. 

I would appreciate if you could please investigate this further. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: ARVEST BANK GROUP, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On  XXXX   XXXX ,   XXXX   I was contacted b y Arvest Bank Group that they wanted to request a copy of my credit report for employm ent prior to an interview or employment offer. I informed  XXXX   XXXX  that I was not authorizing this and to remove my resume form the potential contenders for employment.     On  XXXX   XXXX    XXXX   my credit was requested b y Arvest Bank Group  against my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On  XXXX   XXXX  i sent a debt validation letter asking for proof of debt Chrysler capital did not follow any of my consumer rights of validation all was sent was a statement that information is accurate not only did they work with me on consumer rights but also sold my information after i requested validation debt i have attached copies of proof i ask that this report be removed from all  XXXX  credit bureaus for they did not validate my debt and sold my contract to another agency so they are no longer handling my account it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have filed several complaints and am getting nowhere. I am attaching JH Portfolios response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. 
They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. 
This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION 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 2017-05-04
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX previously stated that they reported the account as closed but my credit report shows as of today XXXX XXXX the account is reporting as open. They are providing false information and not cooperating with the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been back and forth with both  XXXX   XXXX  and USAA about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation