BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXXXXXX XXXX XXXX  on my XXXX  report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX  about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX   and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my XXXX  inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. XXXX The remainder of these inquires are mine. 

TRANSUNION : This bureau was contacted as well about the inquires and was told verified XXXXXXXX XXXX   XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report XXXX : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX XXXX : I've contacted XXXX XXXX in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.

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 2017-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A check was stolen from our checkbook and cashed for {$2000.00} by an unknown person. We alerted XXXX on XXXX/XXXX/XXXX before the check had cleared that this check was fraudulent. They did n't stop the check. 

After the check had cleared we filed a claim of fraud with XXXX. They informed us that we should NOT contact the police, that they would do an internal investigation and refund our stolen funds. 

On XXXX/XXXX/XXXX they denied our claim, stating that we " benefited from the funds ''. When we tried to contact the number they provided the XXXX representative refused to put us in touch with a XXXX who could explain this decision. 

We are seeking to have XXXX return our funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My deceased wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX passed away on XX/XX/XXXX and I am the executor of her estate. Throughout the winter and spring of XXXX XXXX, I found out that our former terminated home aide had committed fraudulent activity on many of XXXXXXXX XXXX  credit cards and checking accounts very soon after XXXX passed away. Including her Bank of America accounts. I reported this to Bank of America. And I since learned that Bank of America filed a creditors claim against the estate in XX/XX/XXXX. XXXXXXXX XXXX estate attorney advised us of this creditors claim. Through emails and phone calls, I have been trying to get in contact with Bank of America to obtain a status of the fraud claims we filed so we can resolve the creditors claim. I have been told that only XXXX XXXX of the Bank of America Estate Department can help us. I, along with XXXX XXXX of the Bank of America XXXX, NY branch office have been trying to get in touch with Ms. XXXX to assist us and she has failed to respond to myself or Mr. XXXX. Mr. XXXX has tried calling and emailing Ms. XXXX. In addition, I have sent Ms. XXXX several emails and have gotten no response. This has been going on since early XXXX. All other outstanding issues with with regard to XXXX 's estate have been reconciled EXCEPT for the Bank of America issues. It is of utmost importance that I speak with Ms. XXXX or her supervisor or anyone at Bank of America so I can resolve the creditors claim and move forward with probating Jewel 's estate. 
My daughter has been assisting me with this process. After several months of no response, she contacted the CFPB. Bank of America requested an extension to research the complaint my daughter filed. And after 2 months of Bank of America promising that they would send a response, their sole response was that they couldn't speak to my daughter and thereafter closed their file. What is particularly frustrating, Ms. XXXX and XXXX XXXX, of Regulatory Complaints at Bank of America did call my daughter upon receiving the complaint and at no time, did they raise the issue that they couldn't communicate with my daughter. I just need someone at the bank to respond to me so we can close out my deceased wife 's estate. All distributions are being held up until the Bank of America resolves the claims.

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 2016-07-04
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Arbitration

Complaint:
My XXXX XXXX XXXX XXXX Credit Card was recently changed to a XXXX Card from Barcalycard and I was required to sign a contract with a FORCED ARBITRATION CLAUSE if I wanted the credit card. I sent them a letter asking to opt out and still get the credit card, but never heard back. This violates my rights by blocking me from suing if there 's a dispute. Also, there 's no right of appeal, no public record, no requirement to follow established law. It 's a consumer ripoff! Please stop this and enact rules to end this practice. Thank you. I look forward to hearing from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA home loan serviced by Freedom Mortgage since XXXX. Automatic payment set up through my bank, always on time, no problems until we refinanced with them in XX/XX/XXXX. Then the roller coaster ride began. 
Currently F.M. has requested a supervisor investigate the issue. The issue is a chain of errors starting with their escrow department having us on record as uninsured since XX/XX/XXXX. Our original loan and the refinance documents clearly include an escrow account with F.M. to pay taxes and insurance. Evidence of Insurance was included with the refinance. Mysterious. 
Well the chain continues with subsequent escrow analysis based on incorrect records, then incorrect ( lower ) monthly payments, refund of balance in escrow account, failure to act to ( multiple and timely ) requests from XXXX XXXX to pay the annual premium, a new escrow analysis and a new ( higher ) monthly payment, those same monthly payments held in suspense and not applied, late fees. 
Since Ive dug into this matter a month ago, F.M. has waived the late fees, naturally and applied my payments. Their Customer Care department also want {$2000.00} from me to cushion the mysteriously on-record/off-record escrow account. Their loan officers want me to refinance with them again yet are unable to help me resolve these issues. 
Id like to have an explanation ( a real and true one ) for the vanishing of the escrow account, some renumeration for the time and patience Ive had to employ to educate F.M., investigate the matter and do myself what I actually pay F.M. to do : accurately maintain my loan and escrow account. I dont do this for a living but they do. Beyond all this Id like to trust my Loan servicer to do what they agree to do in the loan agreement. At this time that servicer isnt Freedom Mortgage.

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 2016-03-01
Company: SYNCHRONY FINANCIAL
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I bought a merchandise using " Amazon Store Card ''. Its essentially a line of credit extended through Synchrony Bank. Like many other consumers Amazon lured me by offering an interest free period. However, a few weeks later I received a letter confirming my enrollment in the XXXX XXXX XXXX that charges {$1.00} for every {$100.00} in balance per month. I HAD NEVER SIGNED UP FOR THIS SERVICE and AMAZON and or Synchrony decided to sign me up without my explicit and written consent. 
I have been an amazon customer for 15 years and an amazon prime for over 8 - its rather unusual and flabbergasting to see amazon practice such tactics to nickel and dime their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to get a refund from Aidvanatage for the last several months. I made the refund application the first day and was told 4-6 weeks, which was for the amount of $ XXXX. We are well past this mark now and I have reached out every week asking about the status of my refund, whether it is approved, and how much time is left till I should see it back on the student aid website. Every time I call I see to get different answers on how to proceed or if I should see it by X date. I feel like no one knows over there and they are just saying things to get me off the phone. I now call every week to see if I get someone competent answers and is able to help me. It shouldn't be this hard to check the status of the refund, seeing the status on my account or a simple email update telling me they actually did it and did it right would help more than they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Conn's, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have had several loans with Conns and this month I was unable to make a payment due to having a baby and a miscalculation while paying my bills. I called 3 days before I was due to let them know I was unable to make a payment until the first because we are on my husband fixed income ( va XXXX ) that he receives once a month. I was told that I would have to let my account go 30 days past due to receive any kind of help and they call me everyday, and every hour if I do n't answer, to ask me the same set of questions. They tell me to ask family members for help paying. I feel as if I am being harassed for having one late payment because they have been doing this for the last 10 days with only a one day break.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: ECMC GROUP, INC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I obtained loans in XX/XX/XXXX while attending XXXX, Florida XXXX XXXX XXXX, Florida. 
My original loan was obtained through XXXX. The loan was paid in full in XX/XX/XXXX. I received documents from XXXX to support payoff. 
ECMC had purchased the loan at some point and started derogatory collection practices. They have garnished my wages in XXXX, obtained over XXXX before I could stop them. They have taken my tax returns as well. Yet, those payment do not reflect any where in their system. They have harassed all my former clients that I worked with, not to mention ruined my business reputation. They sold the account to numerous credit agencies, whom continued the 20 calls a day harassment. 

I had submitted the pay off paper work obtained from XXXX on 15 occasions and obtained a lawyer to deal with this harassment to no avail. 

They are yet again contacting me to garnish my wages. I have yet again submit a response with a request for a " Trial '' to refute owing them any money. ECMC just sent me a letter refusing my hearing request and demands information to garnish my wages. I am at a loss! I have had XXXX contact them directly to confirm payment and they are still relentless in their collection effort.

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 2020-08-09
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Freedom Mortgage is my current mortgage company. In XXXX I was contacted by them to lock my in on a lower interest rate with a IRRRL. They wanted to take me from a 3.25 % to a 2.75 %. I agreed, my monthly payment was {$1000.00}, with the new loan and lower interest rate, my new payment was {$1000.00}. I called about this a week out from my close, they told me this was probably going to change when I get my new closing disclosure 3 days before my closes. I never received a new loan disclosure, and was not able to close. I have tried contacting them and no one will get back with me. When I do get in touch with someone, they promise to call back and never do. Now I have no clue what to do. Should I ask a new lender to help me out? Not happy with Freedom Mortgage at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Reporting inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX inaccurate information

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 2022-10-17
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Im reaching out as Im concerned my federal loan servicer FedLoan Servicing is not providing sufficient information and action to ensure eligible borrowers can take advantage of the incredible one-time opportunity for student loan forgiveness. 

I paid off my student loans in full during the COVID payment freeze. 

On XX/XX/2022, upon learning of the forgiveness program including the possibility for borrowers to receive refunds for payments made during the COVID freeze I contacted FedLoan Servicing. At this time, the loan provider discouraged me from requesting a refund to reinstate my loan, as they did not think reinstated loans would be eligible for forgiveness. 

When additional guidance from the Department of Education and news articles exploring this issue were released, I re-called FedLoan Servicing on XX/XX/XXXX. The loan provider quickly confirmed that I was eligible for a refund and processed my refund of {$19000.00}. They told me the processing time would be two weeks to 6 months. 

On XX/XX/XXXX, I called FedLoan Servicing to ensure my XX/XX/XXXX request was processed. The representative could only tell me she saw the request in the call notes and could not provide me with any additional information. 

This leaves me with great concern that FedLoan Servicing is not prioritizing these requests to process loan refunds and reinstatements so borrowers can qualify and get benefits for loan forgiveness. 

I am seeking assistance to expedite this process to ensure I can have my loans reinstated in time to apply for forgiveness before the XX/XX/XXXX deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX  XXXX XXXX account was cleared to XXXX but a fraudulent group impersonating a collections company, named Credence, has contacted me multiple times by phone and mail asking for me to pay my debt to prevent any legal issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: RAM America, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I enroll in this program with XXXX XXXX XXXX, I was never told that the debt settlement program that I was enrolling in would not pay my credit card obligations. They made false representation and I was under the impression that they were paying for my credit cards. However, they did not pay my credit cards and let them go into default. They then settled my credit card debts after the fact. This hurt my credit score. In addition, I have paid a total of {$33000.00} since XXXX This company is demanding that I pay an additional {$26000.00} more so they can continue to make payments towards my credit card debts. This is not true! I called all my credit cards and they all told me my debts have been paid and settled. I would like this company to refund the fees they charge me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX . In XXXX, Florida, for over 15 years, with my Spouse, who passed away, and there began my struggle to keep my home with the reduced income, since I was only a part-time XXXX Instructor. At the time EMCserviced the Mortgage, and I had a difficult time trying to do a loan workout with them. Suddenly XXXX XXXX, took over and quickly sold the Mortgage to the current Servicer, SPS. I reached out to SPS and it took almost a year before I began receiving correspondence from SPS. I have submitted Loan Packages over and over, only to be told they never received any of them. Now I have an experience Third-Party who have managed to get a response from SPS, However, my dilemma worsen when my home caught on fire, and the Insurance Company moved me into a rented Apartment. This house was determined by the Fire Inspector, and the City Inspector to be inhabitable. The Adjuster, have determined that it will take {$100000.00} to restore the home to standard. They have sent the first Check in the amount of {$67000.00} as the first installment to get started. The Contractors are ready, but SPS IS HOLDING THE CHECK because they are not sure they want to rebuild it because I am in default. Meanwhile, the Insurance Company will only extend the time until XX/XX/XXXX. to remain in the rented Apartment. SPS, will not make a determination on the Request for a Loan Modification. I want to remain in my home, because of the memories and the incompetence of XXXX, and XXXX XXXX cavalier attitude, I am stuck with TIME RUNNING OUT, AND I WILL BE HOMELESS!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, Analyst. I had filed a complaint against Nationstar and their lack of a loan modification without reason and imminent foreclosure ( now XX/XX/XXXX ). She had also attached letters from a XXXX XXXX, from XX/XX/XXXX and XX/XX/XXXX. What surprised me was the letters from Nationstar as I have never received any correspondence from them. It stated there were XXXX modification reveiws done in XX/XX/XXXX and XX/XX/XXXX, yet I never received any information from Nationstar and no explanation as to why I have been denied. My main goal is to remain in my home and work out a modification. My address is : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hey all items been paid and full but still showing on my report. 15 U.s code 15

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