BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am Florida XXXX representing a client XXXX in a foreclosure defense case for her home. In XXXX of 2014, my client applied for modification and made trial payments to the designated company. She made all her payments via money orders purchased through XXXX XXXX. The Case was before a XXXX, Florida Judge. The Court was informed of the modification. The Servicer of her loan demanded that the client provide proof of the money orders being cashed. The Client paid additional money to the have the money orders researched and show proof that they were indeed cashed, when, and by whom. This information was provided to the Loan servicer and the Court. The Court issued an order demanding that the modification proceed and that the foreclosure be stopped because the client had complied with the trial payments for the modification of her home loan. 
The Client has reached out to the Loan servicer over a dozen times over the past five months since the Court Order was issued. The Loan Servicer has done nothing but give her the run around and claim that her house was sold in foreclosure and threatened to kick her out of her home despite the Court Order demanding the modification. As her attorney, I filed a Motion to Compel the modification and we are awaiting a hearing on the matter. Meanwhile, the Loan Servicer is now claiming that the Client was defrauded by an unknown company and that her trial payments were made to a fraudulent company and NOT the loan Servicer. They are claiming that even though she complied with all the terms of the modification, the company doing her modification was not real and they stole all her trial payments. The Loan Servicer is basically ( after 14 months ) saying we do n't have to do anything for you because you did not modify through a true company and you were defrauded. The problem is, the client complied over a year ago, paid all the trial payments, filed everything with the court as directed, showed proof of the cashed money orders, and is only now being told that she was the victim of fraud. The Client is an elderly woman that has tried desperately and honestly to do all that was asked of her to make things right. And after all her efforts, she is being told she is a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: BBVA FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/16 I applied online for the BBVA Compass XXXX XXXX XXXX XXXX. I was instantly approved with the Slam Dunk message. The following week I received a letter stating that my account was closed and that if I wanted to know the reason why to contact them. I called the number listed on the letter and spoke with a rep who told me that they thought my account was closed because they thought it was a fraudulent application. I told her it was n't a fraudulent application and asked if I could verify my info or what else could I do? I also asked why no one contacted me to verify my information. She said she did n't know and suggested I " check my reports '' I have monitoring with XXXX ( who they pulled ) and XXXX monitoring. I check my reports regularly and also am notified of any activity on any of my reports. I have lived at the same address and had the same phone number for over 5 years. I have never had any fraudulent activity on any of my reports. I have never had any fraudulent accounts opened in my name. I have never even froze my reports. There is no reason that it should have been considered fraudulent. She said that she could not help me with my questions and gave me the number for the " fraud '' dept. I called that number and it ended up being disputes. They told me the same thing as the first rep, and transferred me to the actual fraud dept who again told me the same as the first rep that they think it is a fraudulent application and to check my reports. I told him that I am me and it is not fraudulent, what can I do? He also could not give me any information and transferred me to a supervisor. The supervisor also could not help me and wanted to transfer me back to customer service ( where I started ). She put me on hold and then came back and said that customer service could not help me either. I have checked all XXXX credit reports and everything is correct. There is no fraudulent activity and all my info is correct and up to date. There are no discrepancies. BBVA Compass is becoming known for closing accounts without cause. They use " fraud '' as a reason but can not give any info. A quick google search shows this has happened to many people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All credit bureaus are reporting accounts that are closed and still being seen on my credit report. I have contact these agencies due to fraud and identity theft cohesion to damage my consumer reports. However, all bureaus have not done their due diligence to thoroughly investigate closed accounts.

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 2020-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America is reporting my a late in paying for XX/XX/2017 for Account number XXXX, when my bank account shows payments was made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). They have refused to correct the information. At the time, we made payments to XXXX, who originally had the loan prior to transferring it to Bank of America. We were not notified properly of the transfer, and XXXX did not report the payments to BoA.

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 2016-12-10
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently paid off my loan on XXXX/XXXX/2016 due to refinance. I have asked for corrections to be made prior to the loan being paid off which did n't happen. My XXXX/XXXX/2016 payment which was sent on XXXX/XXXX/2016 did n't get credited to the account until XXXX/XXXX/2016. The company provided an updated payoff after the payment posted. I have contacted the service provider several times with no resolution. XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 ( phone finally reached an individual ) XXXX/XXXX/2016. They have accrued interest in the amount of {$410.00} which should be due back to me, and collected PMI for XXXX 2016 which should not be due. The loan was paid in full on XXXX/XXXX/2016. Please help me obtain resolution on this I 'm at a loss on how to work with this company. 

Sincerely, XXXX 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 2020-01-14
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got repeated calls to my cell two days in a row. I asked them to mail me a letter never received one. I never got a letter for my 30 days right to dispute. They simply placed the collections on my credit reports without sending a right to dispute letter violating the fair debt collection law. They also have an account that is currently involved in a lawsuit for a car accident and settlement is set for XX/XX/XXXX. This account should not be on my credit reports at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 have a credit card with Bank of America. I have autopay set up for my monthly payments. Recently I paid off my entire balance but I noticed that I was still being charged the autopay amount. When I accessed my account online I had a {$200.00} credit on my account. If I dont have a balance, I should not be charged on my autopay. This bank is using their autopay function to secure interest free loans from there customers to increase the their financial positions. Had I not caught this it would have went on indefinitely

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 2020-08-07
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am trying to use XXXX to link up to my PNC account as it is listed as able to be used on the XXXX app! I opened an account with pnc for that reason only and they will not allow it to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have XXXX accounts at Citizens Bank NA. I received my social security direct deposit and immediately transferred it into my joint checking account using my Citizens mobile app. After transferring, I returned to my accounts and noticed that nothing had transferred into my joint account. Instead, after some research, I discovered that it had been transferred into the overdraft protection associated with my joint account even though I have a XXXX balance owed. I called the bank and informed them of this irregularity. I called to their attention that on the mobile app I used that that there is no facility for transferring funds into ODP. He informed me that this was a service error and the funds would probably be restored to my joint checking account the following day once the system determined that I had a XXXX ODP balance. He claimed he could not restore the funds himself. My name is XXXX XXXX and I typically keep a total balance across all Citizen accounts of {$100000.00} or more. I assume that Citizens has written an algorithm to unilaterally sweep transfers into its ODP and may or may not inform its customers of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: NJ
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 have asked XXXX, XXXX  and Equifax to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent several requests for account validation and then method of validation and all I got back was a letter that the accounts were verified. They are not verified. There is no documentation to validate or verify these accounts. Experian sent me a single piece of paper 3 times. They never did an investigation and they have no evidence regarding these accounts. These accounts are wrong and Experian has done nothing to investigate or reinvestigate and they have no validation of these accounts. They are willfully being negligent regarding my rights as a consumer. These need to be deleted

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  had a breach. I have included credit report as well as XXXX  and both are telling companies I opened cards when I did not

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 2015-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Notified by Capital One Credit Fraud alert the new credit card application was submitted under my name. 
I or any relative have not made a new credit application. 
I notified XXXX credit XXXX, XXXX, and XXXX credit bureaus and placed a credit alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
1. Opened a premium checking bundle as advertised on the main landing page of first citizens bank to get the {$500.00} sign up bonus after fulfilling the following conditions Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening Open a new savings account 2. Both the above conditions have been met and multiple emails and phone calls to the bank from last 2 months have got no positive response on the bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: ALLIANT CREDIT UNION
State: NJ
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:
I product changed from Alliant Platinum to Platinum Rewards for a large purchase I made so I would get points. 

I should of received XXXX points for the transaction on XX/XX/20. 

I received XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Extreme difficulty in repayment, tried to lower payments and was extremely difficult and unclear, payments were not recieved. When made, constantly calling my house, very difficult to work with, ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, Loancare, LLC disbursed {$840.00} to my homeowners insurance group, XXXX. On XX/XX/XXXX, I notified Loancare that they had over-paid the XXXX, as the premium had dropped by {$160.00}. I asked that they perform an escrow reanalysis to ensure that I am not continuing to over-pay into escrow. I followed-up in XX/XX/XXXX via telephone to ask if the reanalysis was performed, and they stated that I needed to fax a copy of the new premium, which I faxed over the next morning. I called again at the beginning of XX/XX/XXXX to understand where we were with my request. They stated that although they had received the document and the new premium was updated on their side, the " Insurance department '' had not given them the OK to make adjustments. They stated they would need another two weeks. At the end of XX/XX/XXXX I called again, this time pointing-out that the County taxes had also gone down by {$83.00}, and that adjustments had not been done on their side. They stated that they were still reviewing, and that their Insurance department was still holding-up my homeowners renewal. Again, they needed another two weeks. I contacted their office at the beginning of XX/XX/XXXX and demanded to speak with a supervisor, as they had done nothing to rectify the situation. The Customer Service Representative advised that her supervisor was in Florida, and that she had passed the message along. I advised that I needed a call regarding this matter no later than XX/XX/XXXX or I would file a complaint with both the CFPB and the Pennsylvania Attorney General 's Office. I advised that I should be called directly on my mobile phone, but no one has called to date. I have also checked the account as of XX/XX/XXXX, and adjustments to the payments have not been made. I am over-paying {$240.00} per year or a total of {$20.00} per month as a result.

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 2016-01-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 my mortgage account was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services ( CMS ) without my consent. CMS sent me documents that instructed me how to make payments on their website but they were poorly written so it was difficult to do so. I finally figured out how to make payments, to find that CMS did not allow any additional payment of principal or escrow online. Instead, you could make the regular payment, then either mail them a check or make a phone payment ( for a fee ) for the additional amount. After complaining about this for several months, CMS changed their site to allow additional payments only under the following circumstances : You can only pay the regular amount before the payment due date. Any additional amounts must be paid after the system processes the payments from the previous month, so I must wait for some unknown number of days ( usually the XXXX to the XXXX of the month ) to make any additional payments, despite CMS 's written assurance to me that payments can be made on the XXXX of the month. I get paid on the XXXX and XXXX of each month, so I prefer to make my mortgage payment out of the paycheck on the XXXX, as soon as I can, so I can be fiscally prudent. 

CMS 's policies seem to ensure that customers can not lower the principal amount much beyond the normal payment and to allow them to gain as much interest as possible. Furthermore, this is the worst customer service I have ever received. I had to make a XXXX complaint to get a supervisor to call me, the website is antiquated and is hard to use, and any complaints or adjustments must be made by mail or fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have verbally and in written form, asked Navient to only contact myself regarding private student loans, and only on my personal phone number. I have sent a letter, via certified mail. Navient continues to harass my relatives, calling multiple times per day, calling numbers I have never provided, calling acquaintances of relatives.

Company response to consumer: Closed with explanation