BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The student loan company, Navient, capitalized interest on my account after graduation and the XXXX month grace period. Also, Navient failed to properly acknowledge and timely process by annual renewal for the XXXX plan. I sent several emails and called numerous times that all are documented for this to process. Nonetheless, Navient capitalized my interest again because they finally realized it was their mistake and processing. They did reverse the capitalization. In addition, my payments are not going towards principle but towards unpaid interest. I should be allowed to allocate my auto payments towards all principle first. By not allowing this, Navient and the governement are receiving more compensation for the interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
Bank Of America listed an offer for the BankAmericard Cash Rewards Card. In order to entice me to apply for this card, the card benefits offered were : {$0.00} annual fee ; {$100.00} online cash rewards bonus offer ; 1 % cash back on every purchase, 2 % at grocery stores and now at wholesale clubs and 3 % on gas for the first {$2500.00} in combined grocery/wholesale club/gas purchases each quarter Calculate rewards Cash Rewards Low Introductory APR offer Show details Cash Rewards Get a 10 % customer bonus every time you redeem into a Bank of America ( R ) checking or savings account. If you 're a Preferred Rewards Cash Rewards client you can increase that bonus to 25 % or more. 

I applied for the card and logged into Bank Of America 's website to check on the card and noticed that I was charged a {$39.00} annual fee. I contacted Bank Of America and was advised by a rep that the they could not remove the {$39.00} fee and that the card also did not include the {$100.00} online cash rewards bonus offer. The Bank Of America rep advised that this was based on a credit decision. 
However, the whole purpose of me applying for that particular cash back card over other credit card offers was because of the {$0.00} annual fee offer and the {$100.00} online cash rewards bonus offer. Bank Of America did a bait and switch, offered services for signing up on the card, then issued the card, and refused to abide by the terms of the offer, arguing that its based on credit decision. Well, I was approved, and in fact issued a credit card, the same credit card I applied for. Therefore, the offers should have accompanied that card. Instead, bank of america ran my credit, reducing my credit score, knowing that they were not offering those benefits on the card.

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 2015-11-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A short sale was commenced on my property with SPS ( Select Portfolio Servicing ). On XXXX XXXX, 2015, ON XXXX XXXX, the bank come back with a counter for the amount of {$270000.00} because the XXXX came back for this amount I tell her that is ridicules because this property is in bad condition. Also, the principal balance + extra charge is {$210000.00} was ridicules because the bank request a height offer them the payoff for this account. 
. 
My hardship is due to a financial hardship being that I 'm currently unemployed and do n't received unemployment benefits. I just have a baby so I now have XXXX kids to take care of. I has very difficult to live this way. I have made every attempt to salvage my home. I ask that you help to resolve our situation. The bank reviewed my file for a short sale and give to us an " Approval letter on XXXX/XXXX/15 we received the 1st Approval for a XXXX Short sale with the same offer of {$220000.00} then they give XXXX extension, but we can closing the property for a Problems with our bankruptcy and then the bank request submit again the file on XXXX/XXXX/15 because they can not give an XXXX extension on the Approval letter. 

Now the bank Request a higher Counter offer for the amount of $ XXXX.This property is in bed condition, please see attached Home inspection need a lot of repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My card was lost and there were fraudulent charges. They did a temp refund while they " investigated '' 3 days later I receive a letter saying they are reversing the refund. And are saying I owe {$250.00}. The charges were not made from me. The rep advised there was no need to file a police report as the only thing missing was the card and they had issued a new card.

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 2016-07-05
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Medical Business Bureau was disputed and it was removed from my credit report. They then added themselves back on my credit report without notifying me in writing. I have sent this company a dispute letter directly to have this incorrect information removed. I am now at the point of legal action if this is not removed with both this company and the original creditor as this is inaccurate information. As of this date they have failed to respond to my request. The law stipulates that they must investigate within 30days of receiving my letter. They have no followed the stipulations of the law. I will contact the federal trace commission and advise them of your apparent disregard for consumer protection laws.

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: Stellar Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I canceled XXXX account and sent back the equipment within 30 days because the service did not work in my area. I was under the impression I would not be charged if i was not satisfied with service. And I had the option to send equipment back, which I did

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm am a XXXX veteran, My home was foreclosed XXXX XXXX, XXXX. I have the copy of the Deed Under Power of Sale. Recorded in XXXX XXXX, page XXXX of the XXXX County, XXXX, deed records. 
The address to this property is : XXXX XXXX XXXX, XXXX, XXXX. XXXX. This trade line should have been deleted XXXX XXXX from my credit reports. I been inform that this trade line will remain on all XXXX credit reports until XXXX XXXX. The company 's name is : Select Portfolio Servicing Inc. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. 
Select Portfolio Servicing has falsified documents, stating that I had paid them after the home was sold XXXX XXXX, XXXX. The original creditor : XXXX XXXX. Subsequent creditor : XXXX XXXX. This Loan was a predatory loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Stellar Recovery, Inc.
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Stellar Rec collection for XXXX dollars shows up for a phone Bill but I left the USA 3 years ago And asked XXXX to send me the last Bill before I left I paid it and now live in XXXX Now 3 months ago I am getting Stellar rec collections for XXXX dollars I paid in full 3 years ago what XXXX asked me to pay Then please correct the error Thanks a lot

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a complaint yet again against the Mortgage ervicing company Select Portfolio. 
I just received a call from them that my mortgage was being referred to a lawyer for foreclosure proceedings. This after I requested and did no receive the following information. A breakdown of all fees on my mortgage being number one. The info they sent me about this was completely wrong and had nothing to do with the accumulated fees. 
I had also requested that an original copy of the legal promisory note be sent to the lawyer they use to preform the foreclosure process, so that I may exam it and make sure they actually have the right to foreclose on me and to be sure that the original note is not out there somewhere else in someone elses hands and can come back to haunt me later. I demand to see the original and I have a right to see the original. 
I have absolutely no faith in this company working with me in an honest fasion and I would hope that they would be investigated for their practices. They tell you one thing then do another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Lending Solutions Mortgage/ LSI Mortgage
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
XXXX months after refinancing my home with LSI Mtg Plus, I was promised, in writing, that my mortgage rate would decline from 3.625 % to 3.04 %. Not only did this not happen but I had to pay {$450.00} for a XXXX appraisal and {$100.00} in added court documentation. 
See email below - XXXX From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2015 XXXX To : XXXX XXXX Cc : XXXXXXXXXXXX Subject : RE : eDisclosure from LSI Mortgage Plus - XXXX OK - please reconfirm though - we will be getting a 3.04 % in 6 mos. and we do not have to go through this arduous process again? Yes?? 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Correct. Streamline process will eliminate the need for the appraisal and tedious process we have overcome. 
This has been quite the process. 
Best Regards, XXXX XXXX XXXX Senior Finance Manager LSI Mortgage Plus | Lending Solutions Inc. 
A XXXX Preferred Partner Direct Line : ( XXXX ) XXXX Secure Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext. XXXX Federal XXXX ID XXXX | Lending Solutions, Inc XXXX XXXX Lending Solutions Inc. is ranked # XXXX on the XXXX XXXX XXXX for exclusive products, rates and customer service. 
XXXX I WANT THE 3.04 % RATE PROMISED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BMW Financial Services NA, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Billing and errors dispute. Inaccurate investigative consumer reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
National Credit Adjusters ~ XXXX XXXX ( XXXX XXXX XXXX contacted my employer advising that there is a serious personal matter that needed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: FIRST HORIZON BANK
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I applied for a Home Equity Loan through First Tennessee Bank ( XXXX, TN call center assisted ). I asked what is the Maximum amount I can be approved for ; They sent me the proper disclosures based on the estimated value of the house and told me after the appraisal comes back we could adjust loan amount. The appraisal of my home came in higher than we initially thought. XXXX XXXX assisted me through this process and as loan came through underwriting she called me back and said " XXXX XXXX, I know you asked previously what is the maximum loan you can receive. I wanted to call you today to let you know the underwriter is willing to give you a loan up to {$450000.00}. '' I said, " wow, I 'm flattered. Let me think about it and I 'll call you back next week. '' When I called back the next week to accept their offer ( I told them I would take a loan of {$410000.00} ) I learned that XXXX no longer worked at the bank. They passed me off to XXXX and at that time XXXX said my rate would go up .XXXX % if I took a loan of XXXX. I explained XXXX had verbally offered me up to $ XXXX last week and did n't disclose the terms of the loan would change. The bank would n't honor this after I spoke to XXXX XXXX and XXXX XXXX. They agreed to lower my origination fee from XXXX % to .XXXX % because they knew they made a mistake ; XXXX said, " It was XXXX last day at the bank, and she was n't on her " a '' game. '' I appreciate that everyone makes mistakes, however this was an offer from the bank, which I called back and accepted under the current terms ( 3.4 % APY for 15 years ) The bank will not honor the verbal agreement. I consulted an attorney and he said the bank extended me an offer, which I called back and accepted a week later that was n't honored ; He feels the bank is liable ; For your information- The call has been recored and is on file at the bank. He suggested I file a regulatory complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: MO
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:
When I investigated an updated copy of my credit report, I realized that some of the information were erroneous. The XXXX credit bureaus are required to authenticate these accounts under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Stellar Recovery, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent debt collector request to validate. They sent statement with XXXX logo on it, an XXXX number, total amount due, bill date, a closing balance, additional charges ( undefined ). And that 's it. No notice of right to dispute. No other information requested in my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Stellar Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from telephone number XXXX which belongs to .Stellar Recovery, Inc. No message was letf of any type and we become immediately harrassed at this and do not want this company to call us again. 

It is no way to do business when you leave no message and therefore I would not be interested in anyone from the company to ever call me whether it be by telephone, email or letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Following Select Portfolio Servicing ( lender ) subsequent denial of the loan modification for the subject property located at XXXX XXXX XXXX , XXXX MN XXXX, and select portfolio servicings letter dated XXXX XXXX 2016 explaining XXXX date values of the subject property. I applied to Select Portfolio Servicing on XXXX XXXX, 2016 for approval of a short sale. My request has yet to be reviewed by Select Portfolio Servicing, no relationship manager has been assigned to the file and I have not received a single correspondence from the lender regarding my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was released on XXXX bond was not required. My family did not know that I was going to be released on XXXX They went to XXXX .the night I was released scared and not knowing what was going on and that my paperwork when I was released said OR. 
The Judge told me to have XXXX call him that I did not owe them. I then went to XXXX told them what the judge said. They just ignore me. I then went to judge he said I was not obligated to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have asked for verification of contracts or relationship with these companies and Transunion is unable to provide such evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2016-03-17
Company: PREFERRED CREDIT INC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a set of Saladmaster cookware and used Preferred Credit, Inc. ( PCI ) for the financing. The promotional financing was 12 months same-as-cash. The contract says that I will not be charged interest on the balance until the 12 month period expires and the interest will only be applied to the unpaid balance. 

I received XXXX statements, XXXX in XXXX and XXXX in XXXX. My XXXX statements shows an interest charge of {$55.00}, which increased my overall balance. I contacted PCI and spoke to a supervisor named XXXX. I explained that I was not supposed to be charged interest and that I wanted the statement corrected. She said that even though I do n't have to pay the interest right now, PCI is required to show the interest that " would be due '' if I did n't pay before 12 months. They do not however, report the actual balance without the interest charge. I asked her if the balance that PCI reported to the credit bureaus included the interest charge and she said yes. I demanded that PCI stop reporting a debt amount that I did not actually owe and that PCI correct my statement to show the actual amount I owed under the 12 month same-as-cash agreement. The supervisor refused and said they were required " by law '' to report the balance that included the interest, even though I do n't owe that amount unless and until I do n't pay the balance within 12 months. 

PCI is falsely reporting my actual debt balance on my monthly statements by including the unearned interest. The statement does not reflect the actual balance, which does not include the interest. 

Additionally, PCI is falsely reporting the debt balance that includes the unearned interest to the credit bureaus, which makes it appear that my actual debt is greater than it currently is.

Company response to consumer: Closed with explanation