BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On :  XXXX   XXXX ,  2017 , I submitte d two  requests to : Bank of America, on behalf of my Residen t Manager   XXXX   XXXX , to get proof that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that proof I can get re-certified for being there at my Unit with :  XXXX . So far Bank of America, has not send any proofs to :  XXXX   XXXX  the Resident  Manager  at :  XXXX   XXXX  Apartments, in :  XXXX , CA to prove that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that I can get re-certified for being there at my Unit as a Tenant of hers.

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 2020-03-04
Company: Santander Consumer USA Holdings Inc.
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Called a few times to get fixed tell me it takes 30 days but still haven't been fixed have accounts not updated and score keeps going down

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 2015-04-16
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing company is Ocwen Loan Servicing. I was advised that my escrow account need to be built up. I mailed check on XXXX/XXXX/15. Although check was received into system on XXXX/XXXX/15 ( confirmed by customer service ), it still has not posted to my account, and Ocwen has adjusted my payment to reflect I did not make this payment. I have emailed them XXXX emails with complaint, written XXXX letters with same complaint and spoken to customer service with same complaint. All with no success. I plan to send in my regular payment and Ocwen will show it is a short payment. 
The customer support I am getting is at a XXXX level. I would be better off talking to a wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Homeowner had Foreclosure mediation with Select Portfolio Servicing Inc. & their attorney on XXXX/XXXX/2014. No retention option has been reached & Select Portfolio Servicing offered Cash for Key to move out for {$3500.00}. Select Portfolio Servicing prepared document for Homeowner to sign & Also mediator confirmed during our mediation that they are going to give Homeowner {$3500.00} when they takes the property. Homeowner 's property has been taken away by Select Portfolio and they never sent payment to Homeowner. We called to the Select multiple times to send us check but they would not send check to Homeowner who 's house has been taken away by Select Portfolio XX/XX/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 2022-03-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have received a loan modification and am up to date on my payments but i keep getting threatening phone calls, letters, saying i am not. i get harassed on a daily basis. finally they put me through to a supervisor who says the system is not updated yet. this has been going on for 3 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, XXXX notified customers they were recalling certain XXXX products because of issues with the insolation foam. XXXX XXXX is attempting to collect money " owed '' to them for services rendered before XX/XX/2021 despite the fact that the machine would've absolutely been defective before then. They have since sent my bills to collections. I have attempted to contact XXXX repeatedly and can not contact their billing services and all other departments punt me off to another department, getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded.

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 2016-01-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a $ XXXX personal loan with TD Bank which was funded on XXXX/XXXX/2014. Since that time I 've made extra payments in excess of my minimum amount due each month which I wanted to be applied to Principal only and was told there was no systemic way to do that and I had to call each time a payment was made for them to apply it to principal. I 've done that several time throughout the life of this loan but there is no way for me to verify that it has been done correctly or if at all since they do not provide a monthly statement with the activity nor does their website have this information. There is absolutely NO transparency regarding my loan at all. I feel that I am overpaying and being unjustly penalized because they can not process my payments according to my direction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX This company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

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 2022-07-09
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Short Version : Sallie Mae ( Navient ) gave me a predatory subprime loans in XXXX to attend these for-profit schools ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which had low graduation rates and horrible job placement -- they knew I would be unable to repay the loans. 

My loan amounts are artificially high due to capitalized interest accrued by Navient repeatedly suggesting Forbearance and capitalizing interest rather than having me enroll in Income Based Repayments. Because of this I've never been able to make a meaningful payment on my principal. 

Extra Info : I've been attempting to pay my loans since XXXX. I believe I've made payments totaling ~ $ XXXX between my private and federal loans, but I have not made a dent and Navient continues to worsen the situation while claiming to offer 'aid ' via forbearance, only recently switching to income based repayment, but still charging me out of pocket fees each time I needed to reapply roughly every 3 - 6 months. 

I had struggled to complete the degree I started in XXXX XXXX in XXXX in XXXX, but the school told me none of my credits transferred -- despite being the same company/school. I had to start over, and eventually had to drop out after taking half classes ( 6hrs of class time with 32 hrs of expected course work per week ) at nearly {$700.00} dollars per credit hour and working retail at $ XXXX for 40hrs/week for 3 additional years. 

As I began paying my loans I had no degree to help my attempt to get into my field of study so I spent many years working unpaid internships and contracts well below the market value for my job making it often impossible to pay my loan payments ), my work in the XXXX XXXX  was project based and each time a job completed ( or a studio closed ), I was forced to put my loans in forebearance, at which point Navient capitalized all interest. Worse, during times of unemployment Navient representatives on more than one occasion threatened to garnish the wages of my financially insecure parents who cosigned my loans if I didn't find money to pay. Saying that if I was getting unemployment then I could afford to make payment on my loans. My total student loans were XXXX per month. My rent was $ XXXX, my unemployment was $ XXXX. Representatives also asked the status of my savings account -- and when I told them that I lived paycheck-to-paycheck, they expressed doubt and told me I should ask my cosigners ( parents ) for money. 

My Private Loans : XXXX Signature Student Original Principal : {$19000.00} Unpaid Principal : {$43000.00} Interest Rate : 11.750 % XXXX Signature Student Original Principal : {$10000.00} Unpaid Principal : $ {$11000.00} Interest Rate : 12.750 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA REC is claiming that I owe them {$670.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with PNC. I also have bank accounts and an investment account. The HELOC is on my primary residence in XXXX. My home was a part time residence as I lived and worked in XXXX  until XXXX XXXX 2017 when I moved to XXXX full-time. I contacted PNC to change my address on all my accounts to my XXXX home. My address was changed no problem on my bank accounts and investment account. I have forwarded my mail to my XXXX home so I got the statement for my HELOC the next month still showing my old address. I called PNC again to change the address. They said it was changed and I would not have any issues. The next month my statement again was sent to my old address and forwarded. I called PNC again and was told they would get it fixed. Within a week I got a letter from PNC saying they would not change my address until I wrote them a letter requesting it and for me to send them documentation ( utilities statements ) showing this was my address. I called and said I am not sending you that change my address and was told no. I opened a formal complaint with PNC and I received a call back from XXXX XXXX ( XXXX ) with executive escalations and she said they would not change my address without the requested documentation. I asked that this be escalated to the CEO 's office as I am not jumping through hoops to change my address. I have never heard from anyone and my statements are still being sent to my old address. At this point its about the principal that PNC is a horrible organization to do business with and I am not doing anything else about my address. Think about the absurdity of this situation. 1st they change my address no problem on my cash money/investment accounts with nothing more than a phone call. They will not change my address on a loan that the collateral is the address I am asking them to send the mail to. They are now sending my mail to an address that could be opened and accessed by an unauthorized person which I mentioned to XXXX XXXX and basically PNC does not care. If I have any fraud committed against me due to the fact that PNC is sending my mail knowledgeably to a old address I will hold them accountable. I tell everyone I know not to do business with PNC and I will not do business with them ever again. They treat customers like trash!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All the credit reporting agencies except Experian have my credit as excellent. Experian says fair and XXXX. Why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX This company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hi i dont know who is the creditor and i have this account on my profile show a balance of {$490.00}, ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tried to get information to verify debt on XX/XX/2022 and I have not received any information stating that it was my debt owed. XXXX has not provided me any information to verify the debt belongs to me and I have no knowledge of the original creditor and what the debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter from  Chase s tating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on m y Amazon MasterCard. Th ey cited other accounts that have nothing to do with my great standing  with Chase. I worked at length to pay down my balances and I 've never been late on my payments and alw ays maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My house was illegally foreclosed on XXXX/XXXX/2015. The bank did not generate documentation that they legally hold the original deed and the title nor they showed any interest in numerous modification attempts that I tried. Please help me resolve this situation and get my house back to me. I know for a fact they have fraudulently foreclosed on me and the mortgage audit has shown that they have committed a securitization fraud at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase Bank advertised the XXXX XXXX XXXX XXXX last autumn in XXXX with an introductory " welcome '' offer of XXXX XXXX " avios '' ( air-miles ) after spending {$3000.00} in the first three months. 

I applied for and received the card in XX/XX/XXXX and quickly met the minimum requirements. Chase Bank awarded me the XXXX miles in XXXX, XXXX and my Chase Bank credit card statement shows that Chase transferred the miles to my XXXX XXXX frequent flyer account on XX/XX/XXXX. 

On my XXXX XXXX frequent flyer account, it shows that the XXXX miles were NOT received. They are missing. 

I have tried MANY times by phone, by web support ( help-tickets ) and via XXXX with both Chase Bank and XXXX XXXX to rectify this situation. In every case, Chase says it's not their responsibility ( even though they are the card issuer and offered the welcome promotion ) and directs me to contact XXXX. When I try to contact XXXX, it's almost impossible to get any response and no way to speak with a human. All electronic attempts to resolve this are met with instructions from them to go talk to Chase Bank about missing rewards. I have the history of electronic responses from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX conversations spanning XX/XX/XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Upgrade, Inc.
State: IN
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:
UPGRADE INC., personal loan and XXXX  by my mortgage company, refinanced my house and loan has been paid since beginning of XXXX but still showing open on my credit. They even owed me a refund for overpayment. Yes I've received it but it shouldn't take this long to pay off on my credit.

Company response to consumer: Closed with explanation