BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-04
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
{$1600.00} was removed from my checking account with XXXX Bank in error, on XX/XX/XXXX. On XX/XX/XXXX I notified LoanCare Servicing, and provided documentation that the payment had cleared. As a side note, my mortage payment due for that month was XXXX, so I have no idea where the amount taken was coming from. On XX/XX/XXXX the mortgage payment from the correct checking account with XXXX was posted at LoanCare. Meaning duplicate payment was made. I 've attempted to have funds returned to the XXXX account since XX/XX/XXXX, have called 5 times, XX/XX/XXXX, XX/XX/XXXX - at which point the issue was 'escalated ' by them, XX/XX/XXXX - at which point I was told I had n't given enough time after escalation on the XXXX and the first week I had already given them did n't count, XX/XX/XXXX - at which point I was told that I should expect the funds returned by XX/XX/XXXX, XX/XX/XXXX - where I was told they did n't know why it had n't been done yet, but that they would 'priority escalate ' and it would be looked at in a couple hours, and again on XX/XX/XXXX - to be told that I would need to wait an additional 48 hours for the 'priority escalation ' to be looked at, and they were n't sure why I was told it would be a few hours. It 's become clear that 'escalation ' is just a tactic to buy additional time and get me off the phone, and they have no intention of returning the funds removed without my permission. I filed a case through XXXX bank on XX/XX/XXXX, to try to recoup the funds that way. Additionally I have received no correspondence at all on this issue from LoanCare, the only communication has been initiated by me. I have spoken with the following LoanCare representatives ; they provide their agent # s at the beginning of calls : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is my fourth complaint on no resolve to my problem with bank of america, I have an unauthorized charge of {$210.00} and they have done nothing to this point to help me. I called both optimum and the bank of america customer service and both treated very nasty. I have since canceled my optimum service. I also wake this morning to service on both of my accounts, and for what reason?! I would n't be negative if the bank would of just refunded my money taken out my account without my consent. They call and I call back the claims dept and nobody ever picks up. I am upset, because I do n't make much and these things like this put me in a hole. Now my accounts are negative - {$14.00} and - {$5.00} this is ridiculous already how this bank just does n't help its customers at all and just keep taking our hard earned money through these shady fees and broken claims process!

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 2015-07-29
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agency obtained the name and phone number of my emergency contact person from my MEDICAL RECORDS and repeatedly contacted that person!!! Is this legal??? They left messages and contacted this person even after she called them back and asked them not to contact her again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Basically {$500.00} was taken from my PayPal Account. I 've tried to report it as unauthorized but PayPal sided with the scammer. I did n't receive anything out of this ... No invoice, No receipt, No Shipping address. or proof of shipping. I do n't even know the what the product or service is ... 

According to PayPal : Payments that are invalidated and reversed Payments to you may be invalidated and reversed by PayPal if : You lose a PayPal Purchase Protection claim submitted to us by a buyer, including as a result of your failure to respond in a timely manner. 
Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for PayPal Seller Protection. The card issuer, not PayPal, determines whether a buyer is successful when he/she pursues a chargeback related to a card-funded transaction. 
You do not fulfill the transaction as promised or you can not provide proof of shipment or proof of delivery when required. 
eBay decides against you under its money back guarantee program ( and you have n't opted out ). 
Our investigation of a bank reversal ( sometimes known as an ACH return ) made by a buyer or the buyer 's bank finds that the transaction was fraudulent. 
PayPal sent the payment to you in error. 
The payment was unauthorized ( i.e., a credit card-funded payment was made by someone with a credit card that did not belong to them ). 
You received the payment for activities that violated this user agreement or any other agreement between you and PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: BAM Financial, LLC
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XX/XX/XXXX, I brought a vehicle. I have to make payments of {$460.00} a month. However when I brought the car, the dealer BAAM Finance Company, told me that I would be paying the amount of {$460.00} for a minimum of 2 years and then I would be able to trade. After the 2 year mark, I was trying to trade my car and learned that I would be paying the amount of {$460.00} instead of two, but five years totaling the car to {$26000.00}. The car is a red Toyota Corolla 2008 & when I purchased it, it had over XXXX miles on it and is 8 years old. I feel like this is a fraudulent sale. I am paying 10x what the car is worth and is unable to trade it. When I purchased the vehicle, the dealer handed me a pink sheet of paper stating that I would be paying a total of {$14000.00}. 
BAAM Finance number is XXXX. BAAM Finance is located XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I feel like I am being grossly overcharged for a used 2008 vehicle.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I was behind on payments and when I tried to make a paymeny arrangement, Navient refused to make an arrangement because it they said it had been too long and that the only thing I could do was pay in full to be up to date. Meanwhile, I have XXXX other loans that I have been paying. I still made minimum payments on the overdue XXXX, hoping they would work out a deal. I didnt even know that the loan had been transferred out to another agency and the payments I had been making did not apply to the loan and did n't transfer to the new agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home with a government insured FHA loan that is serviced by Caliber Home Loans. My problem is that I was injured and hospitalized for a period of time and missed a lot of work. This caused me to fall behind on my mortgage payment. As soon as I was back to full time I contacted Caliber to try and resolve the matter. They requested that I send in some financial information. I did this, and then did it again, and again and again. Each time I speak with someone different, and each time they give me a different excuse as to why they ca n't review my information. This has happened so many times that it seems intentional. Caliber is denying me access to government mortgage assistance programs that they are required to offer. 

I have worked as a XXXX for 16 years and I make a good living. My wife also works part time as a XXXX to help out and we live in our home with our XXXX daughters. We love our neighborhood and our home and want to save it more than anything. This problem began in XX/XX/2016 when I was hospitalized and was out of work. When I got out of the hospital I had to take it easy and my company just had me working part time and doing XXXX. As a result I missed some mortgage payments. A couple of months later I was back to full time employment and I contacted Caliber Home Loans to discuss this matter. They told me to send in my financial information and they would see what they could do. I have never been assigned a specific contact, I have never talked to the same person twice and they have a different excuse every time. I have been doing this for nearly 5 months and have made absolutely NO progress. They still have not even LOOKED at my information and this is beyond frustrating. They are starting to threaten me with foreclosure. This is crazy -- I make a good living and can afford my mortgage payment. I hit a rough patch but am back on my feet. Why are they denying me access to all options for help?? I know that FHA loans have programs to help people in my situation with a modification, or partial claim, forbearance agreement or repayment plan. However Caliber Home Loans has refused to offer any of these options. 

I am contacting you to inform you of the actions of my servicer Caliber Home Loans. They are not following guidelines, they are purposely obstructing the process, they are not conducting a review and they have never conducted a review of my financial information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: MD
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:
The following inquiries were not authorized by me. I have attached the necessary documentation with the inquiries listed as well as my proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The following inquiries were not authorized by me. I have attached the necessary documentation with the inquiries listed as well as my proof of identity.

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 2017-01-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Dear Commissioner, I am writing this complaint letter because I have contacted Navient on numerous occasion for Navient to remove and update my credit report with all the major credit reporting agencies because the information Navient is reporting is incorrect and inaccurate. Navient is in violation of the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ) and FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) for reporting inaccurate information. The limitation statue has expired and Navient is refusing to remove all my student loans with all the major credit reporting agencies which causes my credit score to decrease. All my students loans I had with Navient has been closed for the past seven to ten years. 
Let this be my formal complaint against Navient. The following account is the items Navient has refused to investigate and remove. 
Account No. : XXXX. There are about XXXX or more items under this account number. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fidelity Creditor Services is the debt collector for the doctors at XXXX XXXX in XXXX XXXX. My insurance, XXXX XXXX, paid my medical bills in XXXX and XXXX and then took back the payments. I kept disputing the charges but to no avail. XXXX turned my account over to Fidelity for collection. Fidelity added alot of interest to the original balance and then Fidelity reported the XXXX account as XXXX derogatory accounts on my credit report- XXXX for each visit or procedure I got in XXXX or XXXX that XXXX XXXX took back their payment for. Even visits to the same doctor were reported as separate accounts. I have complained in writing and in person to XXXX XXXX and to Fidelity but they wo n't do anything about it. They said if I paid it, they would remove it but instead it is still there, XXXX derogatory accounts but the balance is noted as XXXX on each visit or procedure that is paid. This has harmed my life for years now. My credit score is horrible. This ca n't be legal. It would be like XXXX creating multiple derogatory accounts for each purchase made with the same XXXX credit card that became delinquent. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Commercial Recovery Systems
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I would like to request another investigation. I am not satisfied with the previous one. The facts are not being delivered. The company has never supplied a copy of the original bill which includes original dates from the original business. 

The date of delinquency on this account has been purged. The original date of delinquency is very clearly stated on the bill and is stated as XX/XX/XXXX. Please have collection agency validate. XX/XX/XXXX is inaccurate. The collection agency must have a different bill than I have. The collection agency has clearly re-aged this account. Re-aging this account according to FCRA is against the law. The first date of removal for this account was somehow changed from XX/XX/XXXX. I providing the information I had which is clearly showed a different date than what the collection agency is reporting. This false reporting of information has been upheld by the both XXXX and XXXX. The company is using the date that the account was sent to them as the beginning date of delinquency. The company continues to report this invalid information to the credit bureaus. Several unsuccessful attempts have been made to have this removed from my credit.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of American continuously charges overdraft fees that are way above interest rates. I was short {$4.00} ( which was available in my savings account ) and they charged me XXXX overdraft fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15
Company: Rhode Island Student Loan Authority
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been paying off my loan through the Rhode Island Student Loan Authority since XXXX, which is when I graduated from the University XXXX. Initially, I was paying $ XXXX/month, which was too much for me to handle, so I requested in XXXX that they lower it. They told me they could n't do that. 
In XXXX, I had to go into forbearance based on my income at the time. When that forbearance term ended, my payment had magically become $ XXXX/month with no indication as to why that happened. 
I found out today ( XXXX/XXXX/XXXX ) that they lowered it because of my forbearance term and that they could n't decrease my monthly payment any further. The person told me that 's because they can not extend the life of the loan behind 15 years. 
Basically, I do n't understand how they could n't lower my payment 5 years ago, but then they magically could a few years later. This is absurd and I can not handle paying $ XXXX/month right now.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: AMERICAN INTERNET MORTGAGE
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Aimloan.com either 1 ) is committing fraud, 2 ) has provided poorly trained employees, 3 ) is understaffed and not able to effectively resolve issues in a timely manner. I contacted the company to inquire of them on XXXX XXXX, 2015 that the mortgage payoff was sent per their instructions on a house closing completed by XXXX XXXX XXXX XXXX, CO branch Office : XXXX on XXXX XXXX, 2015. Aimloan.com support department were unable to help me and would not escalate the case to a manager to research and solve the problem. The title company claims they followed the written instructions for the payoff exactly as provided by AIMLOAN.COM and the funds were wired through XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, the same day of closing on the sale of the property. Aimloan has now sent out numerous credit collection letters and will not work toward solving the problem within the 60 days allowed by law. 

Please note the XXXX Servicing Department Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Department Telephone : XXXX would also note that when originating the loan there were also numerous issues again due to XXXX of the XXXX problems speculated at the beginning of the form.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I disputed transactions against my account. After learning that my claim was denied, my account was frozen. After being on hold for over an hour, I am informed that my accounts are being terminated and all finances will be mailed to my address. My funds are no longer accessible ( who knows how long it will take to get by mail ). The termination was given with no notice. 

To make matters worse, I had scheduled a payment with the IRS for my federal taxes prior to this. The IRS can not cancel the payment and my bank is not letting my funds go out ( except in a check to myself ). I additionally have a mortgage to pay that I no longer can and I was receiving funds into this account from my employer via direct deposit. I currently can not get paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a credit card listed on my credit report that is not mine. It belongs to my ex-husband. It is the credit card with XXXX XXXX visa. I do n't even have a credit account with XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: Genuine Debt Solutions, LLC.
State: WI
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Some years ago I took out a payday loan. Payments were being taken out days and even weeks ahead of the scheduled date. It XXXX my bank account up so badly I had to close the account and open a new XXXX. My bank charges were in the hundreds of dollars due to their untimely actions. I made arrangements to pay the amount they claimed but now they are threatening me for breech of contract because the bank did n't pay their withdrawals. They refuse to accept proof that this was paid. They called on XXXX/XXXX/16 at which time I told them it had been paid but they refused proof of payments. They said they would call the next day for my documentation. They did not. This was a XXXX XXXX at XXXX. A week later they began to call every three minutes non-stop. Threatening to take me to court. So I blocked their number. I am now getting threats from XXXX threatening me saying I had been reported. They do not send documentation of any type, have refused to give me any specifics on what they are referring to and are very nasty people. I do not owe this and they cost me hundreds of dollars in bank fees for all the other transactions that were affected by this incident. They are the ones who were in breach of contract.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-16
Company: DYNAMIC RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a issue with my ex wife in XX/XX/XXXX and we went thru a 4 year divorce and bills were handled in the divorce court and my ex wife 's bankruptcy. Now XX/XX/XXXX I am getting these calls from Dynamic Recovery Solutions, and they will not listen and call me at work even when told not to, they call every morning at XXXX. XXXX XXXX is the Ops Manager, address of XXXX XXXX XXXX. XXXX South Carolina. XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Today is XXXX XXXX, 2015. I have been trying to receive a loan payoff amount from Bank of America for the past week, so that we can close the sale of our property. When I called their customer care line, the agents who I spoke with obstructed my ability to obtain a loan payoff amount. In dealings with both myself and the designated closing agent, they have refused to fax loan payoff amount information. The only reasoning I can assume for this violation of my rights is that Bank of America continues to abuse SCRA loopholes, and prevent service members from receiving fair disclosure and account servicing. This is not the XXXX time I have reached out to the CFPB regarding Bank of America 's policies and procedures on my mortgage account 's servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation