BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 I sent a letter regarding a duplicate late payment on my credit report and I have yet to get this resolved. Their are duplicate student loan accounts reporting to my credit report for XXXX, XXXX, and Equifax in which they are affecting me negatively duplicate times. I have tried to resolve this matter with the companies and they have yet to remove the late payment from my report or even respond for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While I now have seemingly countless complaints against Bank of America, the only reason for this is because of their continued avoidance to address the issues so they continue on even they inaccurately state the issues have been addressed, resolved, and closed. I still have n't figured out if it 's intentional, some sort of strategy, or just incompetence but that does n't really change the situation that they refuse to deal with the issues. It has gotten to such an extreme that the basis of this complaint is that they are now simply cut and pasting responses. This was never so evident as the last issue which was related to their simply providing document after document and it became impossible to keep up with disposing of the same documents over and over again but yet their response was related to another issue related to insurance. It was a precise cut and paste. The worst part is that the insurance issue was also essentially a cut and paste from previous issues but it required action on their part since they incorrectly accused me of not having insurance when I did and I fear they simply did n't even read the issue and did the cut and paste. This really is leading to the belief it 's incompetence but the funny/sad part is that everyone in this process is being paid for their time except for me and the only XXXX executive in this entire process. My motivation is to get answers, to get fair resolutions, it 's not to waste my time or anyone else 's but the second I stop responding and pointing out these issues is the point where all the previous time spent is for nothing and that 's now in the XXXX of hours which equates to XXXX of dollars. BOA does n't care about my time, they only care about greed and covering their butts when they do make mistakes. Again though and to ensure I 'm clear, the basis of this complaint is simply that they are now providing cut and paste responses which goes even further than their usual avoidance of issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-06-17
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to file Ch XXXX bankruptcy in XX/XX/XXXX because my husband was unemployed from XXXX XXXX XX/XX/XXXX and I could not pay all of the bills on my income alone. He started working in XX/XX/XXXX and lost his job in XX/XX/XXXX. He applied for Unemployment but was denied because he had not worked long enough. From XX/XX/XXXX - XX/XX/XXXX my hours were decreased due to XXXX, and from XX/XX/XXXX - XX/XX/XXXX I had to go on XXXX and I fell off payroll and did not receive a paycheck at all! I used my stimulus checks and tax return to pay utilities and buy groceries, but I had nothing left! I was unable to pay my Ch XXXX payments and I contacted my attorney and informed him of the situation of my income. I received a letter from the courts last week stating my bankruptcy has been dismissed! 

Last week, I received a notice from Mr Coopers attorney, XXXX XXXX XXXX stating as of XX/XX/XXXX the protection for motion to stay was no longer in effect and I assume the foreclosure has restarted. I contacted Mr Cooper and told them that my attorney had not responded to me, and I was going to the bankruptcy courts to provide them verification I was unpaid for 3 full months because I was out on XXXX. However, I thought my forbearance did not expire until XX/XX/XXXX. The guy stated he would update the system and inform their attorney XXXX XXXX XXXX. On today, XXXX XXXX ( my bankruptcy attorney ) contacted me and said we have a court date for XX/XX/XXXX to reinstate my bankruptcy but the mortgage arrears will not be eligible to be included now?!?! I dont understand why not, and I told him as of XX/XX/XXXX I have been terminated from my job & I have applied for Unemployment. Online, it shows my mortgage is now behind over {$40000.00} and Mr Cooper is also charging me over {$5000.00} for their legal fees, inspections, and other expenses that I was not made aware of, nor did I agree to pay!! Hardest Hit of Alabama is no longer taking applications and I am trying to get an appointment with Consumer Credit Counseling or FHA to get mortgage assistance & help with my car note and other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: FL
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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:
I sent away for my free credit reports from all credit reporting agencies at the same time. I received XXXX XXXX and XXXX  sometime in early XX/XX/XXXX. Equifax sent a letter demanding further information that included social security # current address. The letter stated they could not locate a credit file in their database. I have requested my free credit report every year since about XXXX. Further more I have a credit freeze with all the bureaus. Another point was my information was accessed when Equifax was hacked in XXXX. I filed a claim and have my claim #. 

I have always had problems with this Bureau. In a previous request they refused to send the report but I was able to resolve the issue without submitting any further information. Their lack of information should have impacted my request in prior years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went into the XXXX XXXX branch of Bank of America in XXXX, WA to make a deposit and to pay XXXX bills and the assistant manager wasacting as a teller and she was racist to me. She engaged in XXXX, XXXX bigotry, reverse discrimination, and age discrimination. 
She lied to me and was very rude and was arrogant to me as was hermanager XXXX. I have XXXX at the college and XXXX for39 years and their treatment of me was something you might expect from acouple of street punks. I want Bank of America to be fined and apologize for thetheir treatment of me and learn how to conduct business in a proper manner. 
Both XXXX and XXXX should be terminated over this which is not theXXXX time I have been lied to by these young kids who have certainly let theirXXXX management job go to their heads. I was trying to teach XXXX how Iwanted my transactions handled and she walked off and ignored mebecause she arrogantly thought that she knew better. It is no surprise thatBank of America has an F in customer service. Both of these young peoplewould have failed my Successful Leadership or Servant Leadership class. Itis time for a leadership change at this branch. XXXX have wisdomwhich many young people would do well to listen and learn from ourexperience. After 55 years in XXXX I believe I know a little bit about howbusiness should be conducted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to get a loan modification and I have been unsuccessful with my mortgage company. They refuse to assist me with a modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I contacted my bank chase to inquire as to when I was going to be receiving my replacement card. Being that my current card expiration day is XX/XX/21. The bank went and closed my card without my consent no one called me my card was just closed. I called them and they told me they could reopen the card and it will be a 5 days turn around time to receive a new card. On top of that all my bills are attached to that card I already had a payment denied because the card is closed. They where extremely rude they close my card without any notification then I had to pay to have a new card rush to me turn around time 3 days. Because need to be careful with banking with CHASE Bank. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Bank of America last year with the promotion of {$300.00}. I finished the requirement and confirmed with the customer service member. The endorsed that I had finished it and should just wait for the bonus to post. But I have never received this bonus ever since. When I was checking with the customer service people again, they refuse to admit that I was qualified for the promotion.

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 2021-06-18
Company: Sequium Asset Solutions, LLC
State: TN
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:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: PARKSIDE LENDING, LLC
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: Their investigation did not fix an error on your report

Complaint:
This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this or otherwise remove 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 2016-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I went to a Bank of America ATM to withdraw money for my daughter 's back-to-school shopping. The ATM took my debit card and did not return it or display a message. I 1. called the number on the ATM machine to report a problem. Could not do so because I did not know the number on my ATM card since it was in the machine. 
2. I called the phone number on the back of my credit card, got a human being who transferred me to an automated system where I could n't get help because I did n't know my ATMS card number. 
3. Used my mobile application to get connected to a person who also transferred my into an automated system where I could n't get help because I did n't now my ATM card number. 
4. Drove home and logged into my online account. Called the number and after several minutes was still getting offers for XXXX and some cruise line with no apparent way to get to a person. Hung up. 
5. Tried my mobile app again. Got a person who did order me a new debit card. Would not waive the expedited charge. Told him I needed to get cash today. He said he would transfer me to an emergency cash phone number ( promised a person ). Was transferred to another automated system that hung up on me when I pushed 1 for debit card questions ( the only other option was credit card questions ). 
6. I had to borrow money from a 16 year-old!

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 2018-05-29
Company: Experian Information Solutions Inc.
State: FL
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:
I received a notification that someone had checked my credit report. When i logged into Experian, I saw that XXXX XXXXXXXX XXXX pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.

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 2021-06-17
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had issues with Sallie Mae previously where they " supposedly '' communicated with me electronically, and had changed my payment amount without my knowledge. They finally called me a week before the loans I had were to go 60 days late ( even though the issue was their change earlier than the agreed, and failed to communicate the change ). As a result of that, I constantly have to Decline for the to communicate with me electronically. In this case, working with them they were able to enroll me in a rate reduction program. Well, I have been still struggling to make the payments with this decrease, and now they have sent me a notification that it is about to expire. 
With the new amounts there will be no way that I will be able to make the payments, so I contacted them to ask for assistance. They told me I had no options at this moment. As I asked further their suggestion on handling the situation was to " XXXX ( XX/XX/2021, XXXX XXXX ) : If you are unable to make your payment on the due date in full, I suggest making a payment for the amount you can afford. In the event your loan falls past due by 5 days, at that time our in-house collections team will reach out to you and may offer options that we do not offer in the service department. " The problem with this, is that in order to even get the reduction, they " FORCED '' me to have auto debit so they just pull the payment. So there isn't even an option for me to " pay the amount I can afford ''. To make things worse here, is that since the marked all 3 of my loans as 60 days late the last time, my credit still has not recovered, so refinancing with a better lender is not an option ( and I applied to all of them ). I am really frustrated as Sallie Mae has seemed like a predatory since the start, and it still does not appear to be any end in site for dealing with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that XXXX XXXXXXXX XXXX pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.

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 2021-06-17
Company: EQUIFAX, INC.
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:
Equifax is continuing to report XXXX XXXX in error on my credit report. I disputed the item with no results. XXXX  has already deleted this item because after proper investigation, they proved the error to be inaccurate and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Error. XXXX XXXX ( Lender ) and Specialized Loan Service ( Servicer ) ( " SLS '' ) have erred by not evaluating my ( several ) loss mitigation application ( s ) in accordance with RESPA. In particular : a. Failure to evaluate a complete loss mitigation application. SLS has requested the same documentation several times, to which I have responded each time : SLS request XXXX XXXX ; SLS request XXXX reply XXXX ; SLS request XXXX reply XXXX ; SLS request XXXX reply XXXX, and SLS request XXXX reply XXXX. 

b. Failure to provide accurate information. SLS is requiring a signature and/or information from a party unnecessarily. 
XXXX SLS continues to require financial information for an owner of the property who is not personally liable to repay the note, has surrendered the property in XXXX per final bankruptcy discharge, has been living in another home since XXXX as evidenced by a signed lease agreement for a residence which has been provided to SLS, who is not contributing to the mortgage payments in any manner, who is noted in court orders since XXXX XXXX as residing at the leased residence, and has no intention of returning to the property. 
ii. SLS has dual tracked by filing a motion for relief in my bankruptcy case no. XXXX ( XXXX XXXX XXXX ) while complete loss mitigation application ( s ) are pending. 
iii. SLS has failed to acknowledge and failed to respond to my Requests for Information sent on XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a statement from " XXXX '' who bought the loan from " XXXX '', The company who originated the loan, stating that we had a shortage in our impound account in the amount of {$820.00}, and that the amount originally figured was incorrect and that our mortgage payments would now increase an additional {$100.00} a month to correct this mistake. I was very clear to the XXXX loan representative to insure that the impound account also included the " XXXX XXXX '' taxes and she assured me it was included. Well, it was n't as now we not only have to pay the shortage amount, but also have a higher monthly payment now. We 're both XXXX on a fixed income and when calling XXXX XXXX from XXXX, he wanted to pass the blame to escrow and the title company. XXXX originated the loan and are licensed to insure that the loan amount included all the required taxes and they failed to do this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: Phoenix Financial Services LLC
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/21 I wrote a check for XXXX as a settlement to my account and mailed it to them. A couple days later I got another bill. So I called the man said he was gon na fix it for me and send me a receipt with the remaining balance. I guess with in the 2 days they got another Bill. I am behind on my medical debt from last year due to covid, and prior years due to high deductibles. So thats why I got another letter he stated. I asked him to mail me the receipt from the first one and send me the bill. So i could see everything in writing. He said ok and he would possibly call me back. Never got a receipt. They sent another bill, and sure kept calling. I talked to the next person and she was like oh there is a problem with your file. I said yeah, the guy was suppose to fix it and never sent me a receipt after another 15-20 minutes on the phone with this lady she was like I will make sure it gets taken care of. Never got a receipt. They keep calling. Again talked to another lady and she was like Ill make sure you get the receipt this time I am so sorry. The lady before hand marked me as refused to pay. Which was not the case. I wanted to see all the bills and the receipts in writing. So she apologized. And was like Ill get this out to you. Now today, I think it was a week ago. They called again. I called them back. Got a man. He was talking super slow. So i thought he was done, I said yeah I am still waiting for the receipt you guys are refusing to send me. He immediately snapped well let me finish. Did his little attempt to collect a debt spiel and hung up on me. So I dont know if they are fraud? Or trying to work me overtime? But I can not get a receipt. And they keep marking me a refusal to pay when they wont send me the information that I have requested at least 3 times. They say the same exact thing every time. Oh we will fix this and get you a receipt in the mail. And it never happens. I am not refusing to pay the debt, I am just making sure the company is being honest. If this company is being fraudulent and working against the laws. I believe a refund should be made.

Company response to consumer: Closed with explanation