BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.

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 2016-12-05
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My real estate property tax was not paid by either mortgage company, Specialize Loan Services ( OLD Acct # XXXX ) or XXXX XXXX XXXX ( NEW Acct. # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XXXX XXXX XXXX XXXX, 2016. 
My mortgage was transferred XXXX XXXX, 2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to XXXX XXXX XXXX. Neither mortgage company paid the property taxes. My last Specialize Loan Svcs annual escrow statement shows a payment of {$410.00} paid out but to whom? 
Specialize Loan Service or XXXX XXXX XXXX has to pay the taxes out of the escrow. The mortgage payments I made included the Property tax payments already. Where did that money go? 
I called Specialize Services Tax Dept. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. 
I called XXXX XXXX XXXX and was told to call Specialize Services. I am given the run around. 
Please make them pay my NYS Property tax. I already paid through mortgage payments. 
Specialize Loan Svcs ( old Acct # XXXX ) TRANSFERED TO XXXX XXXX XXXX ( New Acct # 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 2015-04-02
Company: Halsted Financial Services, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company identifying themselves only as " Halstead Financial Services '', through robocalls from multiple numbers, listed below, with dates and times, is calling, and leave a message, transcript below. Attempts to contact them have been unsuccessful to date. 

The phone call is : " This message is solely intended. XXXX. NAME. If you are not. NAME. Please hang up now and disregard this message file number XXXX which was placed with Halston Financial Services has been escalated to our final review department due to a lack of a response from the required responded. XXXX full review of this file is being conducted by XXXX of our Loss Mitigation Specialist and a recommendation actions work line is a minute. In order for your personal statement to be included in this review press XXXX now to speak to the representative responsible for conducting this review or call XXXX XXXX XXXX XXXX immediately upon receipt of this message. Failure to respond will result in our recommendation being submitted to our client without your personal statement being included. " Dates, times, and phone XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: PA
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 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 XXXXXXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2015-08-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a case pending # XXXX that seems to be going nowhere. It appears that Chase can do whatever they will to me with no help from my government agency. I have been complaining since XX/XX/XXXX about the predatory rate and the fact that the loan was made to me by an unlicensed lender and sold to Chase. They have had BPO 's done that inflate my property value so I can not qualify for the HAMP or HARP programs to save my home.I have given them evidence of major repairs so they can work with me but they ignore any info I send to them. I work with homeowners everyday as a real estate broker and I know I can qualify for these programs and I know my market area. The investor XXXX XXXX XXXX will not allow me to take advantage if any these beneficial programs. It appears CFPB is more interested in protecting Chase instead of me.I am attaching the most recent comps in sales in my neighborhood for your review. My home in its present condition will sell for about {$200000.00}. The most recent BPO has it at {$320000.00}. The one before that was {$450000.00}. They have no evidence of any sale in my neighborhood for no where near that price. I am having a home inspection done today and I will forward it to you. I have disputed the decision for them to deny me a fair principal balance reduction and rate reduction. They claim to be reviewing and will let me know by XXXX/XXXX/15. I do not believe they have any intentions of doing anything different than asking for current up to date payments and or deed in lieu or shortsale. This is the way they handled the last request. It would be nice if I can see something you all are doing for me except sending me reply after reply saying absolutely nothing. Thanks in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
Chase Credit card 's XX/XX/2015 statement showed with XXXX unauthorized cash advances and fees ( appx {$3300.00} ) which we never authorized. This was noticed in XXXX itself while accessing my account online. Immediately reported and had my card put of hold/cancel after talking with chase credit card services and fraud department. We have tried to have credit card company ( CHASE ) remove these fraudulent transactions on our account but every billing cycle them keep putting it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
I called to close the credit card, because of really high interest. Answered all the questions and the card was not closed. The representatives were rude and unpleasant. Very Upsetting. Now they still applied the high interest and wont close the card with the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a charged off debt - I am homeless and go online at the library, see this debt collector is reporting this old charged off debt on my credit still homeless with XXXX child, this debt collector keeps sending letters to a place I do not live - please advise if this is not fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
To Whom It May concern, I had attended XXXX XXXX XXXX, XXXX XXXX MN between XX/XX/XXXX XX/XX/XXXX At the end of every quarter, the financial aid office had me sign documents, that ultimately would be high interest rate ( XXXX12 % ) private loans, without really explaining what the loans were or providing any additional options for financial aid. I did earn a XXXX degree, however, I have been on countless interviews over the last 5 years, and no one in the field recognizes my degree nor do any of my credits transfer. As a result I have XXXX in student loan debt, XXXX of which are private loans that are unable to be lowered or postponed. I must also include that I am an adult XXXX ( XXXX ) - I had attended the school because I was interested in XXXX- I struggled with being in class, but made the school very aware of my XXXX. They promised to assist me with finding a job after graduation, but I have not heard anything from them since the 5 years after. Also XXXX has really affected me from being able to interview well enough for a job that would be pay enough to even pay off these loans. I work at a XXXX, making {$15.00} an hour. My student loan payments are more than half of my take home pay- XXXX XXXX ( navient ) refuses to help me at all with my private loans. If I had known the interest rate or had a better understanding of the financial burden that XXXX XXXX has placed on me, I would have attended a different school. Thank you for your time and any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Lender is not applying additional or excess payments to the principal balance when provided. The lender holds the additional or excess payments into a " Partial Payment '' suspense account and it does not make it into the Mortgage principal balance. For several months I have to called the Lender, and each time they claimed that the issue will be fixed and it continues to occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently received a Chase Amazon Visa card in the mail. I had not requested this. I contacted Chase Bank to have the account cancelled and the inquiry removed from my card. Chase was unable/unwilling to provide details on HOW the account was opened, but their fraud department indicated I would be contacted by an investigator shortly and the issue resolved within 30 days. It has been over a month, no contact has been received and the inquiry has not been removed from my credit. Furthermore, Chase still refuses to tell me how the account was opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, On my existing account with Bank of America, with a number : XXXX XXXX XXXX. A recent summary from my account Bank of America is charging {$35.00}. The charges were made on the following dates XXXX, 2015, applies " unfair '' actions. Is attached XXXX document. Bank of America misleading on statement, such as by telling that " heck card and ATM transactions generally reduce the balance in your account immediately, '' that money comes right out of the checking account the minute you use your debit-card, '' and that " [ I ] if you do n't have enough money in your account to cover the withdrawal, your purchase wo n't be approved. In addition, the bank of America online banking service displayed pending transactions to customer in chronological order, only to rearrange them in high-to low order at the time posting in order to maximize the number of overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and US Department of Education XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.

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 2015-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Short sale occurred. XXXX. Credit report shows short sale, but we are being turned down by XXXX XXXX as they are showing foreclosure, and saying XXXX of the XXXX credit bureaus are showing it 19 months ago not 32. We are renting and our lease is up soon and now we may be without a home due to a reporting error that Bank of America did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-12-02
Company: CarMax, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a 1 year anniversary of my CarMax jeep and was told I could apply for the skip a payment deferment after the 1 year. We had a medical issue and I needed to get the deferment for that car payment within the month. they told me I could and I talked to the corporate office and she said she received approval. I began getting calls from CarMax so I asked the Financial side if they showed the deferment they said no, it was not processed and the corporate advocacy person had made a mistake. She took it to get approval on it and it was finally put through. My credit was dinked as a result and I need it removed as I have perfect credit in buying cars with paying within the 30 days allowed. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
FAILED TO PROVIDE PROOF OF CLAIM : ORIGINAL PROMISSORY NOTE WITH SIGNATURES. Please provide me with the documents I have requested and a detailed answer to each of my questions within the required lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional QWR letter. PLEASE ENSURE THAT ALL RESPONSES ARE IDENTIFIED AND REFRENCED FOR EACH ITEM and/or POINT OF REPRESENTMENT OF FACT. 

Copies of this Qualified Written Request, Validation of Debt, TlLA and request for accounting and legal records, Dispute of Debt letter are being sent to FTC, HUD, Thrift Supervision, all relevant state and federal regulators ; and other consumer advocates ; and my Congressman within 30 days. 


It is my sincere hope that you answer this RESPA REQUEST in accordance with law and the questions, documents and validation of debt to the " XXXX '' are correct and any abuse ( s ) or scheme ( s ) uncovered and thoroughly documented.

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 2017-03-10
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the Collection Bureau of Hudson Valley in late XX/XX/XXXX regarding a debt from services rendered at the Hospital from XXXX ( XXXX ) in XX/XX/XXXX. I responded immediately by returning their form with on which I communicated that XXXX had been paid on XX/XX/XXXX ( within 3 months of the date of service ). This led me to be bewildered how there could have been any attempt to collect a debt. I also provided them with the transaction number from my bank and asked them not to contact me again. 

On XX/XX/XXXX I received a call from the Collection Bureau of Hudson Valley again trying to collect this debt. When I spoke to their rep, I confirmed they received my response to their letter on XX/XX/XXXX and that they were aware that FTC regulations prohibit them from contacting me again until they verify the debt. Even so, I have become subsequently aware that as I had already asked them not to contact me again, they should not have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX I defaulted on a Bank of America credit card, which caused my promotional rate to sky rocket to the default rate. I contacted BofA and asked them what my options were to get the rate lowered, they told me I could opt out, that would close my account and look in a lower rate until the balance was paid. I agreed to do that. A few months ago i pulled my credit report, I see that BofA is reporting " account closed by creditor '', I disputed this with the credit reporting agencies, BofA responding saying that was correct. I sent them a certified letter, letting them know that they are reporting incorrect information, they responded saying they are not. I called and spoke to someone that told me my account had been closed by the creditor, in XX/XX/XXXX, I told them, thats false, i closed it in XX/XX/XXXX. We have gone round and round, they claim they have done XXXX investigations and found that they in fact closed it in XX/XX/XXXX. Well I was either mislead in XX/XX/XXXX or im being mislead now, and in XX/XX/XXXX i was not informed they closed the account, had i been informed I would have told them then that was incorrect. Only did I find out their claim to have closed the account in XX/XX/XXXX, during my attempts to have them report correctly to the credit reporting agencies. I closed the account in XX/XX/XXXX, regardless of what their bias investigation is showing now. there has been no activity on the card except payments since XX/XX/XXXX. Bank of America is such a huge corporation, its hard to believe that they have such shady business practices. Lying to their customers.

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