BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Dear XXXX, From XXXX XXXX until XXXX XXXX of the present year, I was a victim of fraud ( almost the amount of {$1000.00} ) because someone duplicated my card. I have been in touch with Bank of America since XXXX XXXX, 2016. They made a mistake regarding the specific fraudulent transactions, and I had to fax them ( twice ) the corrected list after carefully reviewing and speaking with an account supervisor for almost three hours over the phone. As of today, I have spoken with numerous agents of Bank of America, including XXXX account supervisors and an account manager. The bank refuses to reimburse me the stolen funds on the basis that " it does not look like fraud. '' They said over the phone that they denied my claim because ( 1 ) the transactions happened where I live ; ( 2 ) I said I had the card with me at all times, ( 3 ) I said my boyfriend used my card in the past ; ( 4 ) the transactions happened in a period of one week ; ( 5 ) the criminal stopped using the duplicated card when it was restricted ; ( 6 ) I checked my online banking while this was happening. Regardless of the excuses the bank has used to deny my claim, I contend that I did not perform those transactions, neither anyone I know. I was a victim of fraud, and the Bank does not want to take responsibility and give me the stolen money from my debit card/checking account. I am a full time worker, and a part-time student. I struggle to pay for college and living expenses. The monies stolen from me through bank of America have caused me additional financial loss as I have had to pay for overdraft fees and the like as they left me with {$14.00}. The last thing that Bank of America told me, and that was last week, was that they denied my claim because I did not include evidence of who the criminal was along with the fax I sent them with the corrected list of fraudulent activities. I am attaching the following : - Call log to BOA from XXXX to XXXX - Employment verification letter and emails confirming exact hours of employment showing that I was in fact working when many transactions were occurring. 
- Last fax sent to BOA, which includes the confirmation of a fax previously sent to them ( which they said was never received ), a police incident report, the list of transactions with dates and times as provided by BOA Account Supervisor, and the bank statement with the transactions highlighted. 
- Mail received from BOA. 


Thank you for your attention. 

XXXX XXXX. 
XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When I do try to pay my student loans, I ask for the income driven repayment plan. However, it is still way too high. I have never been given a loan payment I can actually pay without draining my income. The customer reps always say I should just sign a forbearance form. It is not that I am unwilling to pay, it is that the repayment options are n't feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a recent credit card dispute that was not found in my favor. During this dispute period, I called USAA multiple times and was verbally told the following statements : " I would expect an investigation to be honored '' " we will do whatever we can to help and/or fix this '' " not all disputes that are similar will have the same outcome '' " I suggest leaning into the human aspect when re-asserting our findings '' " bring up your 12 years of membership '' I believe I have been discriminated against during the dispute process and not treated equally. I believe this because the comments above suggest differing outcomes based on factors outside of my control and also suggest that USAA has discretion to favorably resolve and/or make right my initial dispute but has chosen not to, despite telling me that would do " whatever they can. '' I request all recent phones calls from XX/XX/XXXX, XXXX XX/XX/2022 to be pulled and audited to confirm discriminatory statements and misleading advise that USAA will help in this matter. Being told USAA will do " whatever they can '' is an incredibly powerful statement to which I expected an amicable resolution in this matter, ultimately reducing down to a {$6000.00} account adjustment resolving this matter entirely, which I asked for in writing and verbally. Since such a request falls into the possibilities of what USAA is capable of doing, I hold them liable to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Velocity Portfolio Group
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:
XXXX is reporting cks prime investments in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.

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 2015-08-29
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This complaint is regarding a mortgage loan I had with TCF Bank. Due to financial hardship, in XXXX of XX/XX/XXXX I received a loan modification refinance through TCF Bank. During the modification process, I was never informed of the charges of the refinance or what amounts/charges were included on the loan, even thought I asked. The day I signed the refinance modification documents, I was not given any explanation of the charges, only the interest rate and the mortgage monthly payment amount which I was happy with since it was going to be very low compared to what I was previously paying. There was only a few pages that I had to sign, very vague thought. 
Since I received my loan modification, I had been making timely monthly payments to TCF Bank, never receiving monthly statements from them or any other type of communication until my loan was sold to XXXX XXXX Servicing on XX/XX/XXXX. 
In XXXX, I received a mortgage statement from the new mortgage holder, XXXX XXXX XXXX stating that I owed {$2400.00} in late fees. Apparently TCF Bank had transferred this amount to them when they purchased the loan. I was in shock, very surprised when I saw such amount, why is this coming up now? - more than XXXX years had passed since I got the loan modification and nothing had been mentioned by TCF bank since then, I never received any notification charges from them, so why was this happening now. 
Late fees were accrued when I fell behind on my mortgage prior to obtaining my refinance, there should have not been any charges going forward as everything should have been included in the loan amount which according to the loan amount, those late fees were included and waived, at least that 's what I thought. 
I have been disputing these fees with XXXX XXXX XXXX and I have also contacted TCF Bank, my previous mortgage holder so they can fix the issue or mistake with XXXX but they have ignored my communication. 
I am at a loss and I do n't know what to do. I feel that I was deceived by TCF Bank, they were not honest and straightforward with the refinance and charges and they found an easy way out, sell the loan. 
Very disappointed and unhappy consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the Items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2015-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been requesting a loan modification with Select Portfolio Servicing for the last three years. Initially we had experienced reduced income and expressed our situation to SPS who advised us to default on loan to be considered for a loan modification. We worked with a third party to assist us with s loan modification ; XXXX and XXXX. We worked with XXXX and XXXX XXXX. They were unsuccessful in a loan modification and charged us for what they referred to as a security deposit which was to be refunded if a loan modification was not obtained. These individuals and companies then stopped helping us and have not returned our calls or returned our deposit. Meanwhile the arrears have continued to accumulate to an amount we ca n't afford. We have requested a loan modification with SPS directly but are being denied without detailed information as to why. We have requested the modification criteria but are not given answers. We have reason to believe SPS does not want to work out a plan to allow us to keep our home. We have received several letters stating SPS is committed to hone retention and given relationship manager as a contact, yet we 've never been able to speak with this assigned contact though we 've called several times. In addition SPS representatives have stated that the investors have ultimately declined the loan modifications. One representative also went as far as to say the loan modification would not happen for us based on " inside information '' that she could not disclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with a fair credit reporting act [ JPMCB CARD # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have recently completed a chapter XXXX and ace cash express was contacted. I have completed my plan and have been receiving these letters from persons who state I am going to be sued if I do not make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2015-09-14
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been in discussion with my lender, Quicken Loans, since last year concerning payment of my flood insurance premium. While going through the process of a re-finance with them, it was brought to my attention I did not have flood insurance on my property which I am required to carry on the property. To make a long story short, they admitted mailing the premium ipayment to the wrong address. This mistake was n't discovered until 8 months after the policy expired. As a direct result of their error, I had to obtain a new policy which carries a premium that is more than XXXX the original policy. Also the deductible was raised from XXXX to XXXX dollars. This has caused me a significant financial hardship. Quicken did pay the difference in premium for last year 's flood premium. This year I called to let them know the policy had again increased and to see if they could offer any assistance in paying it since it is their fault I am now having to pay this new premium. Please understand I have compared my policy to those of my neighbors. Theirs went up slightly while mine more than XXXX, only because I had to obtain a new policy when my premium payment was mishandled by Quicken. I have spoken to a number of Quicken agents and managers about the situation. It is my belief that this issue has been trivialized by them and seen as not being important. I do n't think they realize the impact their mistake is still having on me. I am currently paying XXXX what my neighbors are paying in flood premiums. My deductible is also XXXX their deductibles. Unfortunately this rate will follow me as long as I own this home. If all insurance goes up 5 %, more is coming out of my pocket than my neighbors ' pockets all because of a mistake that was not my fault. I have made my mortgage payments on time every month since first getting a loan with Quicken a few years ago. I feel very let down in the way this situation has been handled. I have asked them to make up the premium have refused. This is hitting me especially hard right now. We have just " celebrated '' the XXXX anniversary of XXXX XXXX. If it had n't been for my flood insurance coverage, I probably would not be in my home today. 
I can provide you with whatever documentation you need, including a memo on my Quicken loans account showing they claimed to have sent a payment. 
I apologize for the length of this. I am still frustrated by the whole incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a balance that was already paid but ended up getting a collection notice for the same amount. The information that was reported was inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Debt Recovery Solutions, LLC
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:
This is incorrect information not mine.

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 2015-06-11
Company: FORD MOTOR CREDIT CO.
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My loan was reported to the credit bureau as past due and I never received a past due notice or call to resolve the issue in a timely matter. I am not a chronic debtor and any reporting to the credit bureau should be communicated in proactive measure. I am disappointed in the service response in trying to resolve this matter. According to the creditor this is their policy and they are not required to inform me of the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Nelnet, Inc.
State: VA
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:
According to the Department of Education, it states that borrowers who made payment during COVID " can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). '' The borrow must contact your servicer to make the request. 

My servicer is NelNet and they said that only payments that I made during forbearance are eligible. According to their records, I requested for forbearance once ( in XX/XX/XXXX ) and that request was good for only 90 days. In order to stay in forbearance, I needed to make a request every 90 days. As such, I am not entitled to any reimbursement for payments that I've made after that initial 90 days ( because I didn't request for forbearance ). When I requested the initial forbearance, it was not clear that it was only for 90 days. I had requested forbearance in the past and the typical duration is a year. 

I would like the CFPB to contact NelNet on their policy/rules on payments made during the payment pause as I don't believe it meets the intent of the Department of Education 's guidance. I believe NelNet is using technicality ( whether the loan was in forbearance or not ) to avoid or reduce the amount of the reimbursements they need to make. For example, based on their eligibility rule, I'm entitled to be reimbursed for only 3 months - {$790.00}. However, based on the Department of Education, all payments made during the payment pause ( from XX/XX/XXXX to XX/XX/XXXX ) are eligible for reimbursement which would be {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, 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:
Equifax is reporting XXXX  XXXX  XXXX  in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The Experian ans XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}

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 2016-09-24
Company: BB&T CORPORATION
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a car from regional acceptance corporation XX/XX/2014. I started off with XXXX and have paid XXXX on this loan, the payments are XXXX a month. The loan is still at XXXX, it 's crazy. In 31 months I have basically not been reducing my loan amount at all. I have tried to refinance for a lower monthly payment, they will not work with me on this. They have sent me off to other lenders and nobody else will work with me, not even my own bank because the value of the loan and XXXX price of the car is XXXX. I have over XXXX in negative equity. No loan officer, nor car dealer will work with me. I am praying and thank GOD that a door will open. I was gon na make bigger payments to try and pay the car completely off, just not able to make that happen right this minute.

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