BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We received a notice from Specialized Loan Servicing in XX/XX/XXXX saying our HELOC was approved and we mailed in a signed form agreeing to the new HELOC terms. SLS sent another notice in XX/XX/XXXX, at a higher interest rate, which we signed and mailed in. SLS said the original agreement was not received. The second HELOC SLS said they received it two days late so they were unable to agree to the terms and the loan was due. We subsequently filed for a loan modification under the HARP program. Starting in XX/XX/XXXX we sent in the required documentation only to be told that additional documents were needed. We sent in the required documents only to be told that some were not received. We contacted our account manager and he suggested resending everything. We then faxed, emailed, and mailed all of the same documentation to their address. We made multiple calls to find the status of the loan and recently SLS said all documents were received and it was in review. 
During this same time period we were having payments taken out with automatic monthly withdrawals, paying the interest payment plus a additional {$1000.00}. In XX/XX/XXXX SLS said they were stopping automatic payments per our request. We did not request a stop to the automatic payments. To continue making payments to SLS we used their website to make a payment to our account on XX/XX/XXXX in the amount of {$1100.00} which was accepted by XXXX. The following month we used the payment coupon form provided by SLS which was mailed monthly to us to send a payment to SLS. The payment was rejected and returned saying the loan had reached maturity date and they are unable to cash the check. We were attempting to keep the loan current while the loan modification was being made. Subsequently, SLS has been sending reports to credit agencies that we were delinquent in payments even though we made good faith payments to keep the loan current through the loan modification process. Concurrent with this process we were working with our bank to get a personal loan for {$100000.00} to pay off the loan to SLS in case the loan modification did not go through. Due to SLS making negative reports to the credit agencies the bank did not go through with the loan. We also made a payment to SLS on XX/XX/XXXX for the amount of {$2900.00} to keep the loan current, to date they have not cashed the check or sent any written correspondence.

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 2022-04-19
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit report and discovered that this company has reported that i owe them a debt that I have no knowledge of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am not interested in this credit card account. The account has not been activated or used. Please ensure that the account is closed and is reported to all credit reporting repositories as " closed by consumer ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and I noticed some unauthorized accounts and inquiries I proceeded to contact the credit reporting agencies that was reporting the negative and false information but they did not remove the negative accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
we were told it would be 7 years than it would come off out record. all but Equifax did come off. they told us 10 years, even the our lawyer told us 7 years his office process the bankrupty when we told him we did n't want to do it. 
why is XXXX agency report not the same when come to this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been with Chase bank for over ten years, and have had mobile alerts set up for a few years, so every time my balance goes below {$400.00} in my checking account I am alerted and can transfer funds from my savings to my checking. Over the last few months, I have not received any alerts, in XX/XX/XXXX I was charged XXXX insufficient funds fees of {$34.00} each. I called chase and they reversed the funds. I explained I did n't receive the text alerts, but I maybe missed them for some odd reason. I did n't investigate further as they refunded the fees. Yesterday I went to make a rather large payment and decided I should look at my account before doing so, to ensure I had the funds. I found that my account balance was overdrawn by over {$1000.00}. I had not received a single text alert to my phone. I immediately transferred money from my savings to my checking and brought my account balance up. Then I called the customer service at Chase to get these fees refunded, as clearly their text messaging system was n't working. When I called they were only able to refund {$100.00} of the {$640.00} they had charged me over the past few weeks, and when I asked them to tell me what number they had for text messages they gave me the correct cell phone number. I now have to go to a bank and speak with the manager to see they are willing to refund the remaining money, as the customer service on the phone said they have refunded all they are allowed to refund. After I hung up with the customer service manager I went onto my account to check my alerts, and mobile alters were no longer set up and something called XXXX was put in place. I had never set this up. I restarted the mobile alerts so this hopefully wo n't happen again, however, I am sure I am not the only person this has happened to and I might not have caught this had I not checked my checking account for this specific larger transaction that I was charging to the account. I expect if Chase has done this to me they have done this to many of their customers, resulting in more profits for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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 Account # XXXX, U.S. DEPT OF EDXXXX Account # XXXX , XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX , XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX 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

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 2017-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return 2 of the 4 receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CITIBANK, N.A.
State: VA
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:
Citibank sent me an email in the middle of the night informing me that my rewards account had just been linked to XXXX. The emails I received clearly conveyed fraud, so I unlinked the card and called them. They took an exceedingly long time to answer, and when they finally did they told me that they were linking everyone 's cards and not to worry about it. It's incredibly poor practice to scare your customers with midnight changes to their account without even an email to explain that it was automatic and not related to fraud. I'm honestly still not convinced that I'm not the victim of fraud with it. I have had terribly experiences with Citi before, and I think this is the last straw. I will be looking for a new credit card provider soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My family has been a customer of Bank of America since XXXX. Even though from XXXX my family moved to XXXX states, I always keep my account and a deposit box with BoA. In XXXX fall, my family moved to XXXX, I transferred my deposit box at a branch of BoA. I 'm writing this letter because I loss a big amount money at this BOA branch. I have reported and provided all details of my experience to Bank of America for their investigation. However, no one reposed to me. I have to write a letter to XXXX XXXX ( President, CEO ) in XXXX XXXX. Then I received a letter from XXXX XXXX ( Customer Advocate, Office of the Chairman and CEO ) on XXXX XXXX, XXXX. In this letter, it said that " please allow a minimum of 45 days for a complete investigation to take place. You will be notified by mail of the decision. '' At the meantime, a lady called me and told me the same point of view. Nowadays, Time has passed 200 days, and I have not got respond from BoA. Therefore, I have to complain this accident to you. 

Incidence : On XXXX XXXX, XXXX morning about XXXX : XXXX, I went to open my safe deposit at Bank of America XXXX VA XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, XXXX. I found that an envelope retaining {$10000.00} in cash that was supposed to be in the safe deposit box was missing. Last time I checked the safe deposits box this branch ; the cash was still in the box then. The register card showed that none of the signers or owners has accessed the safe deposit box.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST 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 2017-03-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my wife 's report, other just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the same agency that removed them previously.

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 2016-12-29
Company: R & B Corporation of Virginia
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I just discovered that I had unpaid medical bills posted on my credit report and reported to my mother because she pays all of my medical bills. Concerned about this I called XXXX XXXX who confirmed they sent the bill and it was returned ( wrong address ), but now was in the hands of Credit Control Corporation, they said they called me previously about the bill. I vaguely remember receiving a call and gave them my mom 's number. She said they may have called her during working hours and they were not able to give her details. She told them that she paid all bills and would have to check. I had XXXX other bills on the same date of service that were paid ( they were billed correctly ). Willing to pay the outstanding bills until the manager refused to remove it from my credit report. First of all, notification of this delinquent bill should have been mailed not a phone call during business hours. An address can easily be found in today 's world ... even a call back to XXXX XXXX. There are so many scams, I would never give HIPPA information to anyone on a random call. Just furious that my credit will be affected because other 's do n't perform their job well or correctly. I was very sick and all bills that were received were paid. It 's sad that CCC would rather ruin my credit than accept the money owed. Not reasonable at all, how long will it take for this to be removed from my credit? I am young and have time to build my credit. I am the one that reached out to them to take care of this ... ..shame on them for not contacting either one of us by official mail!! WORK ETHIC and CUSTOMER SERVICE VERY POOR with Credit Control Corporation!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I set up a repayment plan for my student loans. When I talked to a representative, in the beginning, they reassured me that all my loans were out of default and into the repayment program. I received a letter in the mail later that month letting me know that my biggest loan was about to be delinquent. I called Sallie Mae right away to resolve the matter and a lady representative reassured me that all of my loans were up to date and that my loan was n't in the negative. 2 months pass and I receive a third letter letting me know that my loan was in default and that I would have to put XXXX down to get my loan back in good graces. Needless to say, since the lawsuit, they have n't called me about the matter but they were very disrespectful about having me repay. Also, they told me that an income based payment plan did n't exist and that I would have to put at least XXXX down to fix my 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 2017-03-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had signed up with an account at HSBC, which promised a {$350.00} promotional credit upon completing some easy requirements. The terms of this promotion are available online at : XXXX. 

I had asked if the bill pay requirement would be every calendar month or every statement cycle, and was told that it is based on statement cycle. I opened the account on XX/XX/2016 and completed XXXX bill pay transactions on three continuous statement cycles, however I did not receive any bonus. When I ask customer service about it, I keep getting the same canned response telling me the terms of the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: AES/PHEAA
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX ( XXXX XXXX XXXX Calls me everyday looking for someone else, i have asked them XXXX times to stop calling me and they continue calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to Transunion as {$32000.00}. How do you have a {$29000.00} increase within 60  days? I did make a phone call to XXXX XXXX when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that Transunion went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.

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 2017-02-19
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A few years ago XXXX Mortgage bought my loan. at that time I hade filed Chapter XXXX Bankruptcy and it was discharged. they now tell me that they will not report my payment to the credit reporting bureaus it is having an adverse affect on my credit and I would like it changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/2016 I SENT A DEBT VALIDATION REQUEST, CERTIFIED MAIL, FOR ACCOUNT # XXXX WHICH WAS RECEIVED BY LVNV ON XX/XX/2016. I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " XXXX XXXX '' WITH DIFFERENT AMOUNTS. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 4 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED. ATTACHED IS THE VALIDATION REQUEST AND CERTIFIED MAIL RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Harassing phone calls XXXX times a day. 5-6 days a week. When we answer they hang up. I attempted to call them to find out why they keep calling and when I ask them to disclose reason for their call they hang up on me. They also refuse to answer my questions as to their purpose of constant harassing calls and refuse to answer my questions when I ask what the matter is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank closed my personal checking account on XX/XX/2017 without my knowledge and sent me a cashier check. They claim that my personal checking account which I had for over thirty five years was a business account. I spoke to Senior Service representative who also confirmed that it was set up as a personal checking., but due to Chase acquisition of Washington Mutual the account somehow changed to business. I have been using this account for my direct deposits. The checks, I wrote out will be returned with insufficient funds and I will be penalized for this. Chase currently does not take blame for this.

Company response to consumer: Closed with explanation