BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX XXXX XXXX Post : I called to have my loan payments smaller. They offered me a program, and said it would lower my payments. Currently I pay about {$800.00} am month in student loans. On the phone the teller said I was approved and took my first payment. They then set up a direct payment method for the next XXXX. They took the second payment. I received a email saying I was late on my loans and owed them late fees. They said they sent me an email letting me know I WAS NOT approved, after they verbally said I was and took my money. They then offered the program to me again, same things, and now I have credit marks on my credit rating for late payment for 4 months, and had to pay all the late fees. They just kept taking money from me. I have been paying for over 10 years and the loans are the same amount. There was no one I could call to help, and they just kept charging me more money the more I called to fight the charges. It is disgraceful what they get away with, and there is nothing a regular person can do. These loans have taken any opportunity of me having a car or buying a house. There is no regulation on them, and they just keep robbing people with their late fees and interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We generally pay our mortgage at the end of the every month, the month prior to when it is actually due. We do this to ensure that it is on time. So, we payed XXXX 2013 mortgage in XXXX 2013. In XXXX 2013, my mortgage provider transferred my loan to a new service provider. We paid our XXXX 2013 mortgage to the new service provider as directed. However, they told us that we were one month behind because they did not receive our XXXX 2013 payment. We told them that it was paid to the old service provider and they said they would research it. Finally after many phone calls, they confirmed that my XXXX 2013 payment was paid. However, then they started saying that that other payments were late. Every time I talk to the representatives by phone they give me a different story. One representative will say one thing and another representative will say something completely different. The reason that I have endured so long with them in trying to get the problem fixed is because I know with 100 % certainty that I have made all my payments on time and believed that they would recognize their error and correct it. To date that has NOT happened. I have made my payments on time and have records that prove I 've made these payments to include bank statements which shows that the mortgage company cashed every single check. The mortgage company representatives have given me the " run around '' year after year citing one reason or another that my account is past due. Again, I have five years of records proving that I have not missed a payment and that my payments were made on time. The mortgage company has called me at work repeatedly and reported adverse information on my credit report. After years of trying to get this straightened out, I have finally reached my limit with them which is why I am filing this complaint. The mortgage company has caused me both financial as well as emotional distress and it must end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My name is XXXX XXXX XXXX. I filed Ch.XXXX bankruptcy in XX/XX/XXXX. After careful thought weighing out the pros and cons with filing bankruptcy, I decided not to continue with it so, my bankruptcy was dismissed. I called in with my creditors to make sure they received the dismissal ans the verified they did. When I went to use my Chase credit card it was declined. I was confused because I NEVER was behind in payments with them and have always paid over the minimum charge. I called XX/XX/XXXX and spoke with a Chase representative in the executive department by the name of XXXX ID # : XXXX. 
I asked him why my account was closed and he replied that it was due to the bankruptcy I had filed. I reminded him that my bankruptcy was dismissed but he kept speaking over me stating my account was closed because of the bankruptcy and that Chase will not " risk losing money with me ''. I asked him why if I never was behind plus, during the bankruptcy I kept sending payments of {$600.00} XX/XX/XXXX -XX/XX/XXXX and they kept collecting the payments ; how am I a " risk '' to Chase? He stated that Chase kept collecting because I have a balance with them. Then I asked, if was such a " risk '' because of a bankruptcy, then why did they keep collecting while I was protected under the " Automatic Stay ''? He paused for a moment and then belittled me over the phone stating that it was my decision to pay them. He did not answer my question! I asked him again and I stated that legally creditors are not to collect while one is under the " Automatic Stay ''. but he kept responding the same thing in such a condescending tone. I asked him if they can just please re-affirm the account because I wanted to keep doing business with Chase and that I have been loyal by never falling behind. He kept stating that I was a " risk '' to Chase. I do not understand why he would speak to me in such a manner when I simply was asking questions due to my concern of my account being closed. I was wanting to negotiate but I felt like I was being judged over the bankruptcy instead of considered for my faithful history with Chase. He kept saying that I voluntarily paid them, and that they could not return that money to me due to the balance I had. I have no negative history with them. When I decided not go through with the bankruptcy, I called all my creditors right away. When I called Chase and spoke with Chase representatives, I asked them if I was still able to make payments and they said yes, so that is the reason why I continued sending my payments. I still dont understand why they wont reaffirm the loan like my other creditors. I am really upset because they illegally kept taking my payments even though they had closed the account, the bankruptcy was not dismissed, and I was still protected under the automatic stay. I would like my account open again if not, then I want my money back. Attached are my receipts of payments. 
Thank you for attention I hope this issue gets resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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:
Accounts that I have disputed ( that are not mine ) are still on my credit report after I have written letters to the credit bureaus letting them know they are not mine. The credit companies are not complying with their own policies in a timely manner.

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 2021-12-17
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:
Accounts that I have disputed ( that are not mine ) are still on my credit report after I have written letters to the credit bureaus letting them know they are not mine. The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debski and Associates acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus Debski and Associates were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. Debski failed to cease collections and filed suit in small claims court violating Federal Law. 

The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXX the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. 

In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. 

Debski and Associates having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX XXXX Florida Small Claims Case XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-15
Company: Cedars Business Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I attended XXXX University XXXX XXXX until XXXX XXXX, Not sure if that is this correct date because I have n't received any paperwork from the and I was locked out of my account so I could n't get any information back then. The reason I stopped going there is because I took a class and pass that class. I saw the passing grade at the end of the course but when the grades was posted it displayed a failing grade. I talked with my Advisor who instructed me to talk with the teacher but she never responded to me. So after months of trying to get my grade changed I decided to stop going there. My complaint is I received a refund from my Direct subsidized and Unsubsidized student loan but when I stop attending the school I was notified that I owe them because the school claimed they sent the money back to XXXX but I received a statement from XXXX with the amount of my loans and to pay XXXX. I called XXXX several times trying to inform them that XXXX stated no money was return back to them. I then called the XXXX and they stated that money do n't return to them. I called XXXX U back to inform them of this information and I only got attitude from them so I did n't called back. My complaint is how is it that the schools are saying they are giving the money but I received statements from XXXX stating the total amount of my student loan which matched what I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Solutions To Portfolios, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The charges went for {$160.00} to {$390.00} ... Keeps calling me at work when I told them to just call me on my cellphone. Rude on the phone. XXXX XXXX said I have never spoken to her before but I remember that she was the one that I set up payments with a couple weeks ago. They claimed that they didnt have my cell phone number but i knew that was impossible because XXXX XXXX called me and left a voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: North Shore Agency, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is attempting to collect {$200.00} from me. They assert my service was disconnected and that this is a past due balance. I am a current XXXX customer and have been for 7 consecutive years. XXXX claims this balance is due from an older account number which was cancelled due to a change in service. In speaking with a service rep yesterday, they said they saw that last bill for that account which stated the balance should not be paid and that it would be transferred to my current account. They now claim they never transferred that balance. Well, my current account has no past due balance, and in fact is paid by auto pay through my credit card. I only heard of this three year old balance from delivery of a collection letter. I believe XXXX is making up this charge from something they acknowledge occurred three years ago ( XXXX 2013 ). In my call to them, they refused to remove the balance from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Oxford Law, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have asked this XXXX XXXX to stop harassing me, and she continues. She continues to call my work also. I asked her not to on XXXX XXXX 2015 and she called again on XXXX XXXX, 2015. I explained I can not speak to her while working and I do n't wish to speak to her at all. I was trying to ask her who she was and why she was calling and all she would do is continue to ask me personal questions! Why would I give her information when I do n't know who she is????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charged an international processing fee when I did not travel internationally. I bought something at home. Used my debit card. Called US Bank and they will not refund this fee. The fee isnt in the disclosures for my account. I have been lied to and taken advantage of. They stole my money

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 2021-12-17
Company: Nelnet, Inc.
State: VA
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:
My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %. 

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please remove all items from my credit report

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 2015-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
the credit reporting is refusing to reinvesitage past paid in full accouts and update or remove inaccurate imformation on my report its still showing derogatory or collection made 5 disputes and no effort to make chaneges was paid to orignal creditor before transferring to different collection agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: United Debt Counselors, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
UDC, LLC, in XXXX, Texas, sends letters trying to trick people into calling by giving indications that debt is past due when they are really just trying to refinance it. They send a letter on pink paper - historically the color of past due notices - using a style and language that makes people think their debt is past due. For example, the letter begins, " Please contact our offices at XXXX within 10 days of receiving this letter regarding the adjustments of your credit accounts. '' Also see other language in the letter ( attached ). 

These tactics should be considered a violation of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America and their representatives, including XXXX XXXX, have engaged in the practice of distribution and sharing financial, personal, private, and privileged information contained within the borrower Home Loan Modification Status iportal, My Documents tab page with external users without my permission or consent. It is this long established Bank of America practice that has allowed for the destruction of documents and documentation related to my home loan mortgage account. 
This on-going conduct on the part of Bank of America and their representatives is, in part, the reason I have ha to lodge over sixty ( 60 ) CFPB Complaints regarding Bank of America 's handling of my home loan mortgage account records throughout the loss mitigation and modification processes and have been incorrectly denied a MHA HAMP, MHA HAMP TPP, and incorrectly forwarded to foreclosure. 
There is simply no way Bank of America can come up with an explanation for such errors in processing and handling upon complete and independent reviews of the mortgage and service records for which decisions are based and made. The whole reason for such reviews are to ensure any action taken on an account are based on the complete and current record resulting in accurate and correct decisions. This simply has not been the case in this instance throughout the modification and loss mitigation processes to date as evidenced by the multitude of errors in processing, procedure, law, regulations, and guidelines. In other words, these errors have not been due to Bank of America representative and employee lack of knowledge of specific procedures required in the performance of their duties.

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 2015-06-09
Company: Brent D. Stamps, Attorney at Law
State: MD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I completed admission paperwork at XXXX Hospital and was pre-authorized for XXXX by my insurance company. At this time, I was told specifically by the admission representative at the hospital after asking several times that I had to pay a {$100.00} co-payment per my insurance company. This amount was paid and I got the impression that I could not have XXXX unless it was satisfied. I wrote on the admission paperwork paid in full that the hospital kept. 

Months later, I was contacted by an attorney, Brent Stamps demanding that I pay {$640.00} to the XXXX hospital. It was somewhat confusing to me because I had been told during the time of admission that I was only responsible for {$100.00}. Later, I was contacted by another debt collector requesting {$610.00} with a bill from XXXX Hospital with {$610.00} on it, but not indicating what specifically it was for and why I owed it. 
It is extrememly annoying to be told to pay additional money to the hospital when the preauthorization from the insurance company indicated what I owed according to the hospital admission/billing representiatve. When I asked how she came up with the {$100.00}, I was told that is what the insurance company indicated that I would owe XXXX. 

So to come back months later and indicate that I owe additional money when I questioned it earlier is very annoying. The bill sent to me also indicated a XXXX XXXX credit card payment of {$100.00} on it when I do not bank with them. So that too is inaccurate. 

The hospital stressed that XXXX could not be done unless there is prior authorization from the insurance company but then they misrepresent what is due at the time of admission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief