BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX. I'm a XXXX year old woman living in XXXX, CA in XXXX XXXX county. In XX/XX/2017 someone fraudulently deposited checks into my bank account totaling for {$12000.00}. I had no part in this and by camera footage proof, it was not even me who deposited these monies. I can only suspect someone maliciously deposited these fake checks into my account to harm me. On XX/XX/2017 Bank of America put me into XXXX XXXX and XXXX XXXX XXXX, closed my account and has now left me in financial ruin. I've been unable to open a bank account resolve this problem, a problem that I myself didn't create. Why was the person who deposited the money into my account taken into question and have been punished rather than myself? It doesn't make any sense to me. I am the victim and yet the bank made me to be the villain and once again punished me. The account numbers from the check systems report I received are RTN : XXXX / ACC : XXXXXXXX. Please help me. I've been working so hard on getting this resolved and have no other options. I truthfully feel helpless and wrongfully punished. I need a bank account, I work very hard for a living. I actually have a very close friend that had this exact same situation happen to him with Bank of America, and they seem to go after the victim rather than the assailant who decided to create and deposit a fraudulent check. I am not an expert on checks either, I wouldn't know if an employer for example paid me with a fraudulent check. Why was I punished? Please assist me.

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 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital one/walmart card calls as early as XXXX XXXX  and as late as XXXX XXXX  ; sometimes leaves a message, other times does not, calls multiple times per day. They are calling even if I am 1 day late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, I was divorced by my ex-wife in XX/XX/2010 in which she was awarded the property and all financial responsibility concerning the property through mediation in which XXXX and my self agreed by. I call the lender HSBC to ask them to remove my-self off the loan and they decline. I am asking for you assistance to removed that loan off my credit report. I have supporting documentation to support why that loan should be removed from my credit report. 

Thank you for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
XXXX  has been reporting the wrong  1st date o f delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ).  For a long time  XXXX  was reporting the wrong history and balances of the accounts since da y one,  but that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.

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 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX Transunion deleted several inquiries from my credit report and reinserted deleted inquiries without proper notification to me. I would like to have these inquiries removed. I spoke to a Transunion representative over the phone but she was not able to resolve the issue to my satisfaction.

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 2020-01-12
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an old debt on my credit report from XXXX XXXX XXXX. I have switched phone numbers multiple times since the original debt back in 2015. This company, Credence Resource Management is always finding my new number, I'm assuming by running my credit report WHICH IS ILLEGAL. 

They are also calling from XXXX numbers, what appear to be from local numbers when they are not local. I believe this is illegal to " spoof '' numbers when they are sitting in other locations. They never leave messages then when I return the call, it's this company and they are always of XXXX decent. I have no idea if these people are scams or what the problem is but it's disturbing how they are gaining access to my new cell phone numbers when I have had NO contact with them in many years. 

As stated, they are also calling from what appears to be local numbers and spoofing their number in an illegal attempt to make me answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern : I have documentation that I need reviewed by a real expert/professional. I have tried to contact Bayview loan servicing and they continue to run me around in circles. I 'm attaching documentation to review that I 've asterisked, circled, or underlined. 
Escrow account balance on XX/XX/2016 was {$2100.00} after payment of insurance. 
On XX/XX/2016 funds were distributed for {$910.00} - does n't reference who that was paid to and what it was for. 
I do n't see where I got a refund in that amount and there were no summer taxes owing for that amount. Escrow funds can only be used for anticipated taxes and insurance, so they need to give an explanation on that disbursement. 
Page XXXX is unexplainable to me and page XXXX continues to only confuse me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-01-12
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, we were approved for a 3 month short term repayment plan due to the Emergency declaration of Hurricane Dorian coming up to the Florida coast from late XX/XX/XXXX until early XX/XX/XXXX. We left messages for our representative, XXXX XXXX, but were not able to speak with him. We spoke with another representative and told her that a 3 month repayment plan was difficult for us at the time due to having to evacuate and close our business until the hurricane went out to sea. They also wanted the first payment in less than 3 days. She advised us to fill out application of hardship to apply for a 6 month repayment plan. We filled out the application for hardship and sent it in via email and USPS mail to Fay Servicing. On XX/XX/XXXX, Fay Servicing sent us a letter which denied our request for a 6 month repayment plan stating that our income did not qualify us for a repayment plan, however we were qualified for a 3 month payment plan in XXXX which cost even more than a 6 month repayment plan. We were requesting a lower payment plan to spread it out over the 6 month period. We emailed and sent a copy via USPS Priority Express mail on XX/XX/XXXX of an appeal of their decision and the hardship application with changed circumstances. Fay Servicing received the appeal with the hardship application on XX/XX/XXXX, which was within the time period of our right to appeal within 14 days and we left messages again to speak with our representative. We have not received any information from Fay Servicing since by either mail, email, or phone call. We have not received any letter or have had phone calls returned about our appeal for a repayment plan for 6 months instead of 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2015 made a mobile deposit for {$3000.00} into my chase checking account. This deposit will also cover the outstanding overdraft on my account. On XXXX XXXX, i was told my deposit check will be on hold til XXXX XXXX but the overdraft fee will be settle. Chase also inform me to stop by a branch to validate my ID. i stop by the branch to clarify any issue and was promise funds will be available on XXXX XXXX. 
On XXXX XXXX 2015 try using my debit card and was decline call chase and was told my account is on pending closure and i can not have access on my funds. For the following weeks to present i was on phone with multiple chase representative asking to release my funds. i kindly ask chase what is the reason to freeze my account with out notice and my account has no outstanding balance. Why didnt chase inform me about this situation, now all the bills which is drafted on my checking were chargeback .. on the following week i stop by a Chase Branch begging to release my funds, this is the only source of money i have, and needed to buy prescription at XXXX. Branch manager at XXXX told me that we are sorry but we can not do anything even myself was not told reason why account is frozen. Since XXXX XXXX my account been frozen, my bill payment has been charge back, i have no money and chase has not told me any reason why or send any statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 've done everything I can to pay my student debts. I 've joined the military, but the benefits they offer do not extend to private loans. I 've payed off all of my federal loans now, but I still have trouble with the private loans. There are no options with them other than forbearance, which I am currently in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We 've been modified for a loan at XXXX XXXX XXXX, after they approved the modification. They sold it Selene finance, and they ask me to pay XXXX trial payment which I did, they said give the another month to finalize the loan, but they have n't done anything. They keep on telling me next month, it has now been six months since they gave me the final modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested, in a Qualified Written Request on  XX/XX/XXXX  on a number of items, detailed in a letter attached an d SunTrust re plied on  XX/XX/XXXX . Suntrust  : 1 ) Fa iled to provide me the requested items particularly modification documents from  XX/XX/XXXX / XX/XX/XXXX .  <P/>  2 ) F ailed to address my concern in a modification request that  my Uniform Borrower Request sho ws affordability of the mortgage.  <P/>  3 )  Asked me in  XX/XX/XXXX  to make  3 Tr ial Payments, all of which they received and of which SunTrust confirmed in a  XX/XX/XXXX  reply to CFPB yet SunTrust has disregarded its  XX/XX/XXXX  approval and confirmation that the modification was approved.  <P/> 4 ) Sent two misleading letters to me on  XX/XX/XXXX  that it was reviewing the new modification and and a letter denying the request. Both letters arrived the same day.  <P/>  5  ) Denied a request for forbearance in a  XX/XX/XXXX  application for modification and false noted that I did not mak e 3 TP Ps timely and therefore my  XX/XX/XXXX  modification was rejected when SunTrust had the three TPPs timely.  <P/>  6 ) Nev er asked me to support my income in th e Uniform   Borrower Appl ication submitted in  XX/XX/XXXX  and if they had, it was improper, in that  SunTrust  had my tax returns as part of the application for relief and I signed documentation that the items submitted were true, correct, and accurate to the best of my knowledge.  <P/>  7  ) Did not submit a denial of the modification request for almost 90 days after they had all of the data to make a credit decision.  <P/>  8 ) A scertains that it can not make a modification approval even though my application was complete and showed historical income to make the payments by my tax returns.  <P/>  9  ) Appears to be continuously to be fraudulently responding to me and the CFPB and such should replies should be referred to the U.S. Attorney General.  <P/> 10 ) Asked me to submit a second request for modification and then wholly disregarded the data submitted as to income and expenses.  <P/> 11 ) Noted that my loan is 28 months past due when it issued a new modification in  XX/XX/XXXX  and the payments I made to obtain the modification were received timely and Suntrust represented to the CFPB what I was supposed to do and I did it timely.  <P/> 12 ) Has continuously noted my mortgage on my credit report as delinquent during the payment period on the mod request i n  XX/XX/XXXX  con trary to what SunTrust reported in writing to me before and after the modification that there would be no negative credit reporting.  <P/>  SunTrust,  via  XXXX   XXXX , a Officer in the Mortgage Escalations Team, has not replied to my numerous request on the last TPP that was paid to SunTrust

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 2016-09-24
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car loan with consumer portfolio services I got behind on the payments and talked to them about it. They told me that they would work with me and I could defer 1 payment so we did that I thought, they never deferred the payment. I thought it was done. XX/XX/2016 they repossessed my car.I had a lot of personal things in the car. THey would not and still will not tell me where my personal belongings are. I have called email left messages no response.I call get voice mail they call back at a time I specifically tell them I will not be available and leave messages like I wasted their time having them call me. I have a list that was sent to them several times of everything in the car and no response I 'm sure my things are long gone by now but there was personal mail with personal info on it too. I think they should replace my things and if they are gone compensate me for my belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Westlake Services, LLC
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I woke up Sunday morning ( XXXX XXXX ) to find that my vehicle was missing. I immediately called the police and was told that it had been repossessed. I 'm in total disbelief because I 've paid my car note faithfully around the XXXX of every month. I 've been doing so since XXXX. My driving forth to continue paying my note in the amount of {$350.00} is my maturity date of XXXX. My email address and mailing address has not changed and I was n't notified of any discrepancies of my method and frequency of payments. My rent and utilities are due at the beginning of the month, which is why I ca n't make my on the XXXX, the due date, which is also why I make the payment around the XXXX. I have been totally inconvenienced, I have a young school aged child and I work. My phone number changed last month but I was n't in a hurry to update my information because they constantly called on the XXXX ( the due date ) and throughout the month until the payment posts, also because I 've made the proper payment every month. We have n't had a conversation in regards to changing the payment due date if my paying on the XXXX was an issue, so I 'm not sure what 's going on here. I 'm not going to express the importance of having a vehicle because I 'm sure you know this. I need my car back in the same condition it was picked up in, with all my valuables.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chase/ Southwest Credit card was intercepted and false charges made. Card was cancelled by Chase. New card sent, that card intercepted and false charges made. Chase cancelled that card. Per Chase security, they received a call, that was recorded, requesting to change the PIN number for the card. They did not allow it. I received a third card, different number via mail again. I called Chase to verify receiving the card in the mail. Was informed about above requested change in PIN, they verified my voice on line to recorded voice used to try to change the PIN. CHASE instructed me to destroy that card and sent out a new card via XXXX. I called and verified the card. Also per their instructions made up a personal password for this card. I am XXXX yrs old, live with my daughter and was instructed to send this report to you.

Company response to consumer: Closed with explanation