BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Well on XX/XX/2020 i had sent the Bankofamerica XXXX $ Now On XX/XX/2020 I Had went To the Atm And check My Blance now then It Said My Blance was XXXX Now On XX/XX/2020 I Checked My Blance i See that Its XXXX. $ now some one Has Stolen My XXXX $ Now Could you find Out Who And Why you Have Stolen Money Out Of My Saveings Account I Need To Save All That I Can Save And Just For some unknow person that Knows how to Steal from Induviduals Like Myself i Dont think Its Fair thank you

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 2021-01-01
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened the account with XXXX XXXX, where they told me that there is not monthly charges for the account with FREE checking. It was that way for a while. Then M & T bank acquired the XXXX XXXX. My account moved to M & T and they honored the term for years. 

I find a monthly fee ( {$2.00} ) for getting monthly paper statement suddenly. I have sufficient balance and bank is not paying interest for my account. There is no interest option with this bank. 

I asked them to waive my monthly fee or provide quarterly paper statement instead of monthly. They did not honer my request. 

They are asking me to signup for electronic delivery and forgo paper statement to waive the FEE. When I review this option, it is asking to me sign up to receive all bank communication electronically. I am not sure, it is a good idea. I need docs for records. 

I am not sure, shifting of making the statements to customer fair/helpful. 

I need your help to get my paper statements without any FEEs. 

Regards 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 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 collection accounts : # XXXX # XXXX directly with XXXX XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX company, but in any case these accounts should not be reported by XXXX  XXXX now so please delete these false accounts asap.

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 2016-11-03
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refinanced home in XX/XX/XXXX while being promised a XXXX % received a negative amortization. Since payments were not affordable, ( rising from {$590.00} to {$1300.00} to {$1600.00} to {$3600.00} t0 {$4400.00} and so on ; I was granted by the lender a modification at XXXX % through their retention and modification department and further they said that if I added my children to the property, it would better protect me ; 8 month later they accelerated the mortgage because an unqualified banker did my modification. It was prepared by the bank on XX/XX/XXXX and recorded in XX/XX/XXXX. 
I hired Attorney XXXX - He used the more unconventional form of non litigious behavior with the bank, upon a hearing and a modification request 5 years later ; to no avail Enter attorney XXXX and gets paid XXXX for what I discovered to be a " skeleton Bankruptcy- Case is dismissed in Court Enter attorney for a family members of mine, co owner of property with kids and I and files his own personal bankruptcy, for his homestead Enter XXXX XXXX was hired to fight the foreclosure and get a modification. On XX/XX/XXXX, he goes to court without my consent and signs off my rights to my home ; I called him and told him I would be filing a bar complaint that where were my modification papers ; answer lost He sent {$1000.00} withdrew from the case and left me hanging In walks XXXX to do the Bankruptcy Chapter XXXX, XXXX motion for stay not filed I do not know why, takes home out of bankruptcy, and sends Chapter XXXX papers that represent the wrong figures Enter Foreclosure Sale Date : XX/XX/XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
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:
Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. Please investigate and delete the following false accounts : XXXX XXXX XXXX account 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 2021-01-01
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:
Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. Please investigate and delete the following false accounts : 1. XXXX XXXX account 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 2016-10-17
Company: Credit Card Receivables Fund Incorporated
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with XXXX at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with XXXX until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a small loan of {$250.00} from Check n GO in XXXX of XXXX. Was unable to pay loan back promptly. Account was issued to a Debt collection agency in which Account was finished being paid in full by XX/XX/XXXX. I was then informed by both parties that the debt would be removed from loan database. It was not. Made several attempts at having it removed but debt is still showing up on XXXX  XXXX XXXX XXXX XXXX. Spoke with Check n GO today and was told they couldn't remove debt from XXXX since it was sold to collections. Spoke with Collection company debt was settled with and they told me that Check n GO HAS to remove it. I spoke with the Indiana XXXX XXXX XXXX and they also said Check n GO has to remove it. So I called Check n GO back and they say they do not have the ability to erase it and they can't do anything. All signs point back to Check n GO. I even called a lender I've never borrowed from to see what their protocol is and they also said that Check n GO has to remove the derogatory mark! This has been going on since XXXX and prevents me from doing things I need to do for my household. I want and need this Mark removed from my record, immediately. This is sabotage. If other people have had hardships and have worked hard to have them corrected, such as I, this can be damaging to them like it has been for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I sent a certified letter with return receipt verification to Nationwide Recovery Systems, XXXX, TX, requesting verification of this debt, including original debtor and account information. According to USPS tracking, the letter was delivered on XX/XX/2020. I received back the confirmation receipt unsigned but postmarked XX/XX/2020. According to my XXXX  and XXXX  credit reports, this collection for {$1700.00} was opened in XX/XX/2020, originally from XXXX XXXX XXXX of XXXX. I have not received any communication, written or otherwise, from Nationwide Recovery Systems, ever, including in response to my request on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt was placed by XXXX  for equipment returned. it was resolved prior to the debt showing on my credit report as it was returned. Representative 's from XXXX  have attempted to remove this from IC Systems and they still have not complied. I placed a three-way call with XXXX  and IC Systems with XXXX acknowledging there was no debt to no avail. They continue to disregard attempts to remove this and have damaged my credit.

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 2017-03-22
Company: Fay Servicing, LLC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Mortage company failed to pay off my taxes in XXXX XXXX. I sold my home in XXXX XXXX, XXXX. The Mortage company Faye Servcing added on $ XXXX worth of fees on my account. Refused to tell me what they were for. To date the company is refusing to call me back, or follow up with me about my Escrow Refund of almost {$1000.00} I call them almost everyday for the last two months and only thing they said was the check should went out XXXX XXXX, XXXX but its just sitting there we will follow up within 48 hours and get the refund out to you. Now overtime I call they tell me they have to transfer my to my old rep or a supervisor who I also spoken with in beginning of XXXX who both stated they would get back with me within 48 and to date no money no refund. This company needs to be sued and I am further turning to over to an attorney for results and the way that I was and have been treated unfairly and violation of federal laws they have. broken to me. property address XXXX XXXX ga XXXX My account manager is very rude and sarcastic with me when I call. They just dont give a care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Aside from the many issues I have with Santander reporting incorrect information regarding the status of the account and the fact that I never received the rights to cure nor the notice of sale, items were stolen out of the vehicle post repossession in writing to the correct address I also have an issue with details unexplained regarding a response to a complaint in this forum. One of the things is a {$970.00} misc charge and the other is the fact that I am a victim of predatory lending by Santander. There is a {$550.00} XXXX dollar lawsuit that Santander agreed to forgive debts of consumers due to their bad business practices and predatory lending. Attached is a link regarding the settlement via the Attorney general. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I attempted to find out why Bank of America would not provide me with assignment information about my mortgage loan/promissory note when I asked them for it via a XXXX Qualified Written Request ( QWR ) ; however, they did not provide a sufficient answer about why they did not provide that information. Instead they chose to only mention their XXXX response to a second QWR ; in which they provided me with a false assignment XXXX years late. I believe that their failure to provide me with timely notice to the XXXX XXXX violated RESPA XXXX XXXX XXXX. I also believe that the fact that they had robo-signed a back-dated assignment years after the previous mortgager XXXX Countrywide XXXX, went out of business also violated the XXXX Judgment of the XXXX Mortgage XXXX. I further believe that they should be made accountable not only to me, but also to the States Attorneys, the XXXX XXXX XXXX XXXX XXXX CFPB XXXX, and to the Dept. of XXXX XXXX XXXX XXXX, by whom they are being monitored according to the XXXX Judgment. 
What they did was wrong. They should not have been allowed, nor be allowed, to conduct business this way ; and they definitely should not be allowed to get away with it. 
I would also like to know why their responses ( XXXX and XXXX XXXX, mention that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is the current owner of the Note ; however, that not only does n't come up on the XXXX XXXX site, but I have also been given contradictory information that the Note holder is 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 non-monetary relief
Consumer complaint received 2020-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second time i ask for this to be removed from my credit. The name on the credit card they claim i owe is wrong. My name is XXXX XXXX XXXX XXXX and the papers they sent me and are using to say i owe this debt from XXXX XXXX is XXXX XXXX XXXX. Thats not me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit reports and the two closed XXXX  XXXX accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX  XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Nations Recovery Center
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company repeatedly refuses to send requested paperwork proving there is a debt. Gentleman keeps laughing and making veiled threats : '' " We already KNOW where you ARE!!! '' and " You 'd BETTER do a property search on your name and social security number! HAHAHAHA! '' and then hangs up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: AMERICAN ADVISORS GROUP
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
I recently refinanced my reverse mortgage. I went to receive my first distribution check a few weeks ago at XXXX. Mistakenly I was given the commission check of the broker and was horrified to see he had been paid {$12000.00} to originate this loan. I discovered that the lender AAG, Inc and the broker were using " premium '' pricing to increase their profits at the expense of myself and I 'm sure many other elderly people. XXXX of MTI Toolbox had originated this loan at XXXX points above par without my permission and without any disclosure that this was happening. I believe that this is a new strategy that is being used by the reverse mortgage industry to increase their profits now that foreclosing on these loans is much more difficult due to Dodd-Frank..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
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:
XX/XX/2020. Filed a dispute on donvenmuehle morage there saying I am over 90 days late on all my payments on my house and they know I pay them they known there behide over covid 19 have a recording to prove that one. But the check clear my bank. And you can see when dovenmuehle recover the checks. The recipe date is stamped on the check. Yes the house was in bankruptcy. I was granted a stay because I paid the courts and the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, I have been repaying my loans on a regular basis since 2004 ( I even made some payments prior to 2004 but have been continuous ). 
I have recently paid off the entire amount of $ XXXX, however, the total amount I have paid is almost twice the original amount and I would like the CFPB to look into my paiement and let me know if it is right for a government institution to make such profit from student loan repayments. 
Sallie Mae was the original loan servicer but they sold to Navient. 
I have all the files however I can not upload but can provide them to you once you call me or contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent the wrong items. The sweatshirts are not even the same size I ordered or close to the description. I just looked on their website and it looks like I was scammed through a phishing sponsored post on XXXX as there is no such product ( s ) even resembling what I ordered or what I received currently on their website. I would like a full refund. Paypal refused my refund, and now I have a product I did not order and our money. Paypal has acted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I had ~ {$250000.00} in XXXX debt and enrolled in the PLSF program in XX/XX/XXXX ( accepted in XX/XX/XXXX/XX/XX/XXXX ). Once accepted, I was required to transfer my loans from my XXXX XXXX Servicer to FedLoan Servicer. 
XX/XX/2016 - Loans transferred from XXXX XXXX to FedLoan XX/XX/XXXX/XX/XX/2016 - Not all loans were transferred, error on part of FedLoan. Made request for remaining loans at XXXX XXXX to be transferred which took 6 weeks XX/XX/2016 - Advised that loans could not be forgiven unless converted to " direct '' loans. Only XXXX of my XXXX were direct loans. 
XX/XX/XXXX - Consolidation loan request form submitted for XXXX loans to be consolidated into direct loans. Six weeks later, XXXX of the requested loans were consolidated appropriately, XXXX loans were not consolidated as requested and XXXX of my already direct loans were consolidated in error by FedLoan ( without request for consolidation on forms submitted ) XX/XX/XXXX - Multiple calls regarding incorrectly consolidated loans. At this time total loan amount had increased by {$10000.00} without record documenting how. Told by customer service request to review submitted, would take & gt ; XXXX weeks for someone to review complaint because " this is the government '' XX/XX/2016 - Spoke with manager who reassured increase in loan amount was correct but no paper record could be provided. He would expedite direct consolidation reversal and consolidation of loans remaining from initial request in XX/XX/XXXX. Imperative that direct loans incorrectly consolidated be reversed to receive credit toward loan forgiveness for payments already made XX/XX/2016 - Direct loan consolidation reversed but XXXX loans still awaiting consolidation. Multiple calls - now XXXX of these XXXX loans are consolidated XX/XX/2016 - " Consolidation complete '' letter despite XXXX loan still not being consolidated. 
XX/XX/2016 - Delinquent bill appears on account - amount taken out of my checking account but not applied to loans on FedLoan 's end Over this time period my loan amount has risen by {$50000.00} without documentation of how. Please help. When speaking with FedLoan consolidation experts they will " submit a complaint '' but can not provide any immediate answers or assistance.

Company response to consumer: Closed with non-monetary relief