BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I signed a Loan Modification with Bank of America. 
In XXXX Bank of America mailed me documents asking me to re-sign, when I called they informed me that they did not send the documentsand to please disregard. Every XXXX months I would receive the samedocuments and now in XXXX they inform me that there was in erroron the documents that were signed and I must re-sign. Now all ofthis has brought to my attention that there is a discrepancy withthe modification amount, a {$4000.00} difference. When I try todiscuss with them, no one can answer my question. I then callthe Dept. of HUD and they informed me that Bank of America hasalready been paid and if I sell or refinance I will pay Bankof America and Dept. of HUD. The modification amount was only {$4600.00} and Bank of America reports on my monthly statement {$8600.00}. When I ask for a break down, no one will help me, theyjust mail me letters stating I owe the {$8600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX should be the only address on my reports.

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 2021-05-18
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a personal loan that was charged off by Navient for Sallie Mae. I demand this debt be removed from all credit reporting agencies as, not only was it incurred due to the fraudulent acts of the art institute of XXXX XXXX, but it is also far beyond the statute of limitation. Please note that I am a New York resident and the statute of limitations on collecting any debt is 6 years. ( Please note, that even as a Florida resident, the statute of limitations is 5 years ) This debt has been outstanding since before 2013. Please forward all future correspondences pertaining to this debt to the attention of Investigator XXXX XXXX with the Office of the Attorney General of Consumer Protection Division located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Phone number XXXX Any further communication regarding this debt will be treated as harassment and legal action will shortly follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
1.This is regarding case number on file # XXXX & XXXX. Bank of America sent XXXX letters dated XX/XX/2016 and I received today. Per my XXXX above complaint file number, as mentioned per Bank of America and at the same time in these XXXX letters, there was returned payment. I am requesting and demand that Bank of America sent proof from bank that there is returned payment for both amount to confirmed in writing by bank that such returned was on certain date to finalize. I am attaching these XXXX letters for your record that you can investigate Bank of America of such. These will be sent via fax to you at XXXX with a cover letter. 
2. Desired resolution is that Bank of America have to get it done as requested with written letter confirming the return payment from the bank with the letterhead showing as coming from that certainspecificbank. 
3.My information have all on file with above mentioned case number. 
4.This is regarding Bank of America fraudulent adding, deleting, removing, closing account, changing numbers of balance of credit card account. 
5.I want the public to know that this is going on with the banking system within Bank of America XXXX corporate office do not answer calls and customer service calls roam around the world!!! ... minimize call center at least to where the corporate office is so that callers can be confident that it is not coming from fraudulent group of people in operation against the public and that there will be given address and phone numbers online or on the statement.

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 2022-05-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi I am writing to complain about this negative items I have on my report. I sent you a letter over 2 months ago. And I thought I was supposed to get a response from you, but I still haven't got any. So I came to this website to seek help. With the hope that this time you would take care of my issues and investigate those negative items that I have in my report. Here I am attaching the same letter that I sent you XXXX months ago. I've been joining online forums about credit repair and consumer rights. That's how I found this website because I was told that this will help me reach your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Santander Consumer USA Holdings Inc.
State: SD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We have an auto loan through Santander financing for our car. On XXXX XXXX our car was totaled out by hail. Our insurance company payout for the car did n't cover the entire amount of the loan. So they would not pay the loan off. Our insurance company offered us the option to buy our car back for 15 % of the value of our car before being totaled. Santander told the insurance company they could NOT let us buy the salvaged car and that Santander will be buying the car back from the insurance company. So my complaint is this.. How can a company not allow us to buy a salvaged car from the insurance company but is still saying we have to pay the loan off. I know full well they are going to take the car and sell it and NONE of that money will go to the loan.. How can a company basically steal a car like that from people?? Also if we have to pay the loan any way what does it matter if we buy the car or anyone else does? We still have to pay the loan. another thing Santander bought the salvage so that took {$670.00} away from the amount of insurance money that would go to the loan. So they not only left us without our car they took {$670.00} of the insurance money that should have gone to the car. I am at a loss as to how they can tell our insurance company who they can offer a buy back to. This company has screwed over a LOT of people and i have no idea how they are still in business. How can no one step in and put them out of business??? Can they really do this to us? If they are going to do this should n't they have XXXX insurance on EVERY loan? We were NEVER offered it when we bought the car. Never even heard of it till we bought our pickup.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was on the Income Base Repayment Plan ... my monthly payment was {$69.00}. After reapplying for the IBRP my payment increased to {$230.00} ... as a teacher this new payment was not in my budget. I could not make the payment the first month ... when I called to ask about why the payment increase I was told that in order to avoid being sent to collections that a forbearance was my only option. My balance was finally below {$100000.00} prior to this phone call ... I received the new document outlining the new terms and was absolutely astonished to see that they added {$47000.00} increasing the balance to {$140000.00}. It is outrageous that XXXX missed payment of {$230.00} would end up costing me {$49000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been harassing me for months on this credit card debt they call me with numerous different numbers they call me late night sometimes XXXX or later they call me more than 5 times a day i stress so much on a daily because they call so much. There was one day where i counted how many times they called me it was 10 times.. In one day its getting so bad that i feel like i need to check myself in mental health my brain gets so.tight i cant chamge my number because.my children school. Family ect.. Have this number

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 2021-11-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company is incorrectly applying a portion of my mortgage payments to escrow and not crediting me for the full payment to my mortgage. 
As of XX/XX/XXXX my mortgage was current. My monthly mortgage payments are {$1100.00}. 
On XX/XX/XXXX I made a partial payment of {$300.00} toward my XX/XX/XXXX mortgage payment, leaving a balance due of {$890.00}. 
On XX/XX/XXXX I paid the balance of {$890.00}. 
In mid-XXXX  I noticed the company was showing that I still owed {$300.00} for the payment due XX/XX/XXXX. I called to inquire why they were claiming I still owed for XXXX when the payment was made in full. They informed me the {$300.00} payment I made on XX/XX/XXXX was applied to escrow. I told them I did not direct any payment to go to escrow. The agent told me she would submit a request to have the payment taken from escrow and applied to the mortgage payment. 
On XX/XX/XXXX I made a single payment of {$1100.00} for the payment due XX/XX/XXXX. 
The company applied {$300.00} of that payment to XXXX 's mortgage payment and the remaining balance of {$890.00} they applied to escrow, making it look as though I made no payment for XXXX. 
I called 2 more times ( a total of 3 times now ) requesting that they fix their errors. No one can explain why they are applying part of my payments to escrow without crediting me for the payment. No one can give me answers and the problem has not been corrected as of today 's date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was charged " discount points '' on my loan without my permission or request. Fortunately I read the final paperwork and cancelled the loan, Also the fees for the loan were much higher than market rates. 

Date was XX/XX/XXXX and the amount was {$3000.00} for the points. Company was Quicken Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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 contacted TransUnion In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( XXXX ) XXXX unauthorized inquiries that they are reporting on my credit report. I contacted the XXXX creditors XXXX XXXX XXXX  ( bank ) and XXXX XXXX XXXX ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.

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 2020-04-15
Company: Westwood Legal
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I emailed XXXX XXXX XXXX XXXX the first time they sent me a XXXX notification regarding a debt for a XXXX XXXX who I have no knowledge of. Now I've received a second email XXXX for this persons debt. I'm sure whoever XXXX XXXX is they would not appreciate someone else knowing of their debt. At no time is it okay to continually contact someone when you are not certain of who you are sending sensitive and private communications to. 

Communications Connected with Debt Collection 15 U.S.C. 1692b and c For communications with a consumer or third party with the collection of a debt, the term consumer is defined to include the borrowers spouse, parent ( if the borrower is a minor ), guardian, executor, or administrator CFPB Consumer Laws and Regulations FDCPA CFPB Manual V.2 ( October 2012 ) FDCPA 3 Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are : The consumer. 
The consumers attorney. 
A consumer reporting agency ( if permitted by local law ). 
The creditor. 
The creditors attorney. 
The debt collectors attorney. 

The consumer or a court of competent jurisdiction may, however, give the debt collector specific permission to contact other third parties. In addition, a debt collector who is unable to locate a consumer may ask a third party for the consumers home address, telephone number, and place of employment ( location information ). 

The debt collector must give his or her name and state that he or she is confirming or correcting location information about the consumer. Unless specifically asked, the debt collector may not name the collection firm or agency or reveal that the consumer owes any debt. 

No third party may be contacted more than once unless the collector believes that the information from the first contact was wrong or incomplete and that the third party has since received better information, or unless the third party specifically requests additional contact. 

Contact with any third party by postcard, letter or telegram is allowed only if the envelope or content of the communication does not indicate the nature of the collectors business.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-26
Company: Green Square Company LLC.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a call on XX/XX/XXXX regarding an online payday loan that I had borrowed in XX/XX/XXXX. I stated to the caller that the debt was paid in full years ago and I have a paid in full letter. However, the company this person listed was different from the company on the Paid in full letter and I only borrowed from one company. Was told to fax the letter over. The number that called was XXXX, which I looked online and found that multiple people have been receiving similar calls on online payday loans they never borrowed from, including a minor. Also received a called today on XX/XX/XXXX from XXXX stating there was an attempt to defraud a debt and I need to call them so they can " hear my side of the story ''. I check my credit report on a weekly basis and I have NOT received anything in the mail regarding an unpaid debt nor do I have a debt in collections.

Company response to consumer: Closed
Consumer complaint received 2020-04-15
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
2 credit inquiries from company. I have no knowledge of the inquiries and did not authorize them to pull my credit. The dates are XX/XX/2019 and XX/XX/2019.

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 2016-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Dear Bank Of America, Would you assist me regarding XXXX letter for property - attached This is in regard to a loan with XXXX ( me ) later transferred to XXXX. 
What was Bank of America involvement if any with transaction per letter attached. 
I have been able to obtain document of errors-attached Bank of America may not have been aware of recession by XXXX according to fidelity representative - attached letter. 
Dual tracking appears to have taken place

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 2022-05-13
Company: Bread Financial Holdings, Inc.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XX/XX/2022, i deposited {$100000.00} into my Comenity Direct now recently branded as Bread XXXX in order to benefit from their high APY of about 1 %. On XXXX of XX/XX/2022 my Comenity Direct was restricted. I called their customer service on the XXXX of XXXX and i was transferred to the Account XXXX XXXX and i was told to wait to hear from them. I have been calling every 2 weeks for the past 2 months and all they keep telling me is to wait for the back office and they don't know how long it would take. I am a XXXX XXXX XXXX woman and i am down with a XXXX. I put all my life savings into Comenity Direct in order to benefit from their high APY. As a result of Comenity Direct restricting my account and denying me access to my money my life has been unbearable for the past 2 months from sleepless nights and skipping on buying my XXXX medication because i just cant afford it. It is unfair how i am being treated by Comenity Direct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I would like to make a complaint against XXXX and Bank of America. XXXX charged me {$10.00} a month for a daycare service which I did not use. They did this for 14 months for a total of {$140.00}. I never agreed with them to charge me or take money out of my Bank of America credit card. I do have an account with XXXX for gym services only. However, I never agreed to be charged for the daycare which they just added without my permission. I notified Bank of America and they would not reverse the charges so I would like to complain against them as well.

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 2015-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Purchase house in 2005, value at that time {$220000.00}, value now around {$200000.00} ; at time of purchase with Bank of America, HELOC used as part of purchase, {$46000.00}, HELOC at XXXX yrs., paid around {$24000.00} in interest/XXXX., for next XXXX yrs. to pay $ XXXX/mo., for additional {$75000.00}. Bank unable to refinance for lower and fixed interest due to value of house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt and want it removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I ordered from XXXX XXXX XXXX XXXX XXXX XXXX Denim Jacket size small color midnight Blue item # XXXX order # XXXX I never received my jacket. from XXXX XXXX XXXX.
1. I filed a complaint with the Federal Trade Commission in XX/XX/XXXX reference # XXXX & XXXX 2. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that I received the XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX item XXXX Denim Jacket Midnight Blue size small re Account # XXXX stating I would be re billed for the jacket I filed a complaint with CFPB ON XX/XX/XXXX / Complaint ID # XXXX  & Federal Trade Commission reference # XXXX 3. I emailed XXXX XXXX XXXX on XX/XX/XXXX and submitted document stating that I never received the item # XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX and I sent XXXX XXXX a Copy of the Police Report from the City of XXXX, CA Po
lice Department

Company response to consumer: Closed with explanation