BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sat. XX/XX/2022 at XXXXpm. I interacted with a hacker impersonating a tenant on roommates.com. They emailed a lease to sign. I sent {$1300.00} via XXXX to secure my room. After I sent {$1300.00} and did not receive a confirmation email from the rental property, I immediately contacted BofA. I reported fraud via phone to BofA. 

I used the XXXX feature on BofA. When I spoke to Bank of America the agent told me the other party where the money was sent was also BANK OF AMERICA. 

XXXX said it was Bofa responsibility. My account is w/ BofA. How can a BofA allow fraud to continue and not be accountable? BofA has FDIC insurance to protect from hackers. 

XXXX is a legitimate website that should be held accountable too. I could not reach them. 

Bank of America said if there is money on the account they will pull it. I received a letter from BofA that my fraudulent claim was denied.

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 2015-08-07
Company: STERLING JEWELERS, INC.
State: VA
Product: Credit card
Issue: Other

Complaint:
i checked my credit report for XXXX and XXXX and i see a KAY JEWELERS account that says " OPEN '' in XXXX XXXX, 2013 i just want it disputed for both bureaus bc i dont wan tit to keep saying is OPEN when i dont have an account at all

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 2015-07-07
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Lobel financial called me the employer several times requesting sensitive business information and kept threatening me that they were not going to give my employee the loan because of me. They asked for my banking information. They are just supposed to verify employment. Very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Their investigation did not fix an error on your report

Complaint:
Experian states they have " certified '' that the XXXX  XXXX XXXX  Total Card is mine and that is 100 % false. Never dealt with this company .Experian is in my opinion committing fraud against me and is violating my civil rights. Never been to XXXX Missouri or had any knowledge of this account. This needs to be brought to law enforcement attention and I would like to have criminal action taken against Experian.

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 2015-11-25
Company: CommonBond, Inc.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I applied for a student loan consolidation product from Common Bond. I have excellent credit and always pay my current bills on time with no trouble. I 'd like to take advantage of lower rates in the current marketplace. Common Bond 's marketing products suggested that a cosigner would help me get a " better '' rate. Common Bond 's advertising materials made me feel as if I would be eligible for a good rate based on my excellent credit, good income, and good payment history. Additionally, my husband would have been happy to cosign. 

When I finished the application, I was told that I need a cosigner with an annual income of {$80000.00} to qualify for any loan. This requirement came AFTER Common Bond pulled my credit report, and Common Bond made no previous mention of requiring a cosigner with such a high income. 

I feel that this is a deceptive marketing practice and it unfairly limits my access to credit. Common Bond has wasted my time and potentially damaged my credit report. I have made payments on my current student loans for three years with no problems, and feel that I should qualify, especially because student loans with lower interest will be even easier to pay.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: SLM CORPORATION
State: MS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving between 5-10 calls a day at all times of day and night, during work hours, at night during dinner time, weekends, on XXXX during church service. When trying to communicate with callers, I am shamed or blamed for preexisting & new medical issues and confitions that prevent me from working and having a steady income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
XXXX  billed me twice for {$1.00} when my balance was {$1.00} - I submitted both transactions but clearly only one should have gone through.

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 2020-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX My journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am attending XXXX University ( fka XXXX XXXX XXXX ) to obtain my XXXX. For the XX/XX/XXXX-XX/XX/XXXX school year, I obtained approximately {$20000.00} in financing from Sallie Mae with a 2.25 % variable interest rate reduced to 2.00 % with auto debit. For the XX/XX/XXXX-XX/XX/XXXX school year, I applied for a {$35000.00} loan from Sallie Mae with a 6 % variable interest rate. I was shocked by the 4 % increase given that my credit score is still XXXX and nothing else in my credit history has changed. Sallie Mae advisors confirmed that my credit score and history was not materially different but would not tell me why my rate increased. After multiple phone calls, I was told that I could not be told the reason for the 4 % increase because it is " proprietary information. '' I find that hard to believe as I used to be a commercial lender and we always had to be clear about the reason for rate increases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Sallie Mae and XXXX continually call my grandparents, who were not cosigners nor my guardians at the time I took out the loan. They are continually harassing them without cause. They have no current and had no past control over my loans or my education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: LoanCare, LLC
State: MT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is a reoccurance of a problem with Loan Care Account Servicing. They are servicing a contract for deed for a rental property for us and have now, for the second time, neglected to reconcile the year end accounting and pass on the incremental charges. They wait for years until the increases eat up the buffer and then want to try charge me a large sum all at once!. The problem is that these small yearly increments can be passed on to the renters, but a 3 year buildup can't be! This is exactly what happened before ... CFPB case # XXXX, which I have attached. Loan Care has been  consistently negligent in their duties of our contract and expect me to pay out of my pocket for their negligence!! 
In addition, at the close of the last complaint, I objected to the fact that they said they were going to do away with the buffer and that It looked like they were just taking the buffer away and adding it back into the account to look good. I never did receive a response from either the CFPB or Loan Care. 
I have attached the letter from Loan Care stating that I owe {$1300.00} ASAP and that my payment will be increasing by $ XXXX/month ( $ XXXX/year ). 
I have also attached County documents showing that my taxes went up {$94.00} last year and Insurance receipts showing that my insurance went up {$130.00}. 
That is a one year increase of {$230.00} and Loan Care wants me to pay them {$1300.00} AND increase my payments by {$500.00} per year!! They are grossly neglecting the only duty they are hired for and that is to reconcile and steward a loan. 
Have I tried to work it out with Loan Care? Yes. I started with a phone call on XX/XX/XXXX to XXXX who said he would have supervisor call me back, didn't happen. On XX/XX/XXXX, I called again, talked to XXXX and he said a supervisor would call me back. I eventually did talk to a supervisor who said she would talk it over with the office and would call back later in the week. She did and admitted they Neglected to reconcile the account and said all they could do was to try to pay the upcoming insurance payment and hope the increase in payments would catch up to the deficit. 
This NOT what we are paying them 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 explanation
Consumer complaint received 2016-03-10
Company: Real Time Group, Inc.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In a letter written on XXXX XXXX, 2012, I requested that Real Time Resolutions, Inc. inform me of the name, address and phone number of the owner of my loan as they are legally obligated to do. I also demanded to to see the original mortgage note proving ownership over my home equity loan additionally, I asked for Real Time to provide me with evidence of your firm being contractually retained to service my loan. I made several attempts to obtain the information that I requested and Real Time refused to respond to my requests in an affirmative manner within 10 days as required by Section 1463 ( a ) of the Dodd-Frank Financial Reform Act. 

Furthermore, in violation of RESPA, Real Time has continued to report negative credit information to the credit bureaus during this period of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On or around XXXX, 2013, I went to one of the branches of Santander Bank at XXXX XXXX in XXXX, XXXX XXXX to sign to be ( opt-out ) from my checking account ending in XXXX. At the same time, I applied for an over draft protection account which it was approved. to my surprise, the opt-out I singed in for did not took an effect at all. how ever, I called them so many times in regards to this incident, but it was fruitless. I made so many phone calls trying to escalate the issue, but no one seemed to be helping me at all. there were times I was put on hold for about 45 minutes and at the end of 45 minutes, they hung up the phone.every single time I called. I always ended up talking to one of the branches in XXXX, the service in this branches was horrible, I ask one of the representative that I wanted to talk to a manager, I was told that there was not managers available. they took my name every single time I called stating that a managers will call me within 24 and 48 hours, but that never happen. despite the fact, I have signed to be opt-out from my checking account, they continue paying any incoming charges with out being available fund to cover with out my authorization. so far, they have charge almost {$3500.00} just in over draft and sustained fees in the matters of three years. just in the last month, I received a letter from them saying that I have paid them {$750.00} dollars in over draft fees. it is pretty obvious that Santander bank is doing this to profit themselves illegally by ripping off customers that are struggling to pay the bills on time. it is clear to me that Santander did not activate my opt-out as a purpose to make money from over draft fees. 
I called them almost a month ago and I spoke to one of the mangers that refuse to give me her name, I told her that I had signed three years ago to be -opt -- out from checking account and finally they discovered that I did, and now it is in effect but is too late because they already charge all the money. 

My desire solution from this illegal act from Santander bank is that they need to pay me back all the over draft and sustained fees charge to my account which are almost $ XXXX.dolars. also, I want the Consumer Financial protection bureau to thorough investigates Santander Bank for any other illegal practices that they might have been doing with customers. 
sincerely, 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 explanation
Consumer complaint received 2015-09-23
Company: High Point Asset Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was called on my cell phone at XXXX and left a voicemail to call back ( XXXX ) because they " needed my statement since I was a person of interest ''. I called back at XXXX, phone rang at least XXXX times before a XXXX XXXX XXXX picked up. He advised me the call was an attempt to collect a debt and our call was being monitored. I proceeded to get the company information from XXXX XXXX. The collection company was called High Point Asset Inc. ( http : //highpointassetinc.com/ ) and they were calling about XXXX pay day loans taken out under my name, which he repeated back to me, my social security number, which he repeated back to me in whole, and my home address, again repeated back to me in whole. He advised of the dates the loans were taken out and the last XXXX of the checking account used, I advised XXXX XXXX I did not have then or now a XXXX XXXX account matching those numbers nor did I live at the current address when the earlier loans were supposedly taken out. XXXX XXXX was very warm to speak too, kind. He said he would forward me everything they had on my account so I could go through the proper channels to dispute the charges. We spoke for over 30 min and he even gave me his extension number ( XXXX ) for me to call back to update him on my findings. Everything seemed legit other than the fact I never took out any pay day loans. He gave specific dates and amounts and company names the loans came from. He did only email me one collection letter, but no validation of debt. I mentioned to him towards the end of my call that in my field of work we have a hallway of dedicated lawyers so as soon as he could send me information I was going to take to them for review, about that time he told me he had been on the call too long and would have follow up with me later. I have since been trying to research this collection company, but all I find is that it is a scam. I have since called all XXXX of my credit reporting agencies and flagged my social for fraud until I know further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: HANCOCK WHITNEY BANK
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i recieved a predatory loan in 2008 from XXXX, then whitney and now hancock of XXXX fl.the president of XXXXand his sister construction loan officer stopped my draws my loan was for XXXX to complete my home i still had XXXX to use i could not go on so my home was nt finished i got out my loan papers which were mailed weeks later i went over and over i seen where they put my income at XXXX a month my actual income was ssi XXXX that i gave them proof of my co-borrow XXXX they put her income at XXXX actual was XXXX our combined actual income was XXXX not the XXXX they listed my assets the home where the house was being constructed i paid XXXX they put it as XXXX i also had XXXX vacant acres i paid XXXX 6 months prior they put dowm XXXX on loan docs XXXX different % rates XXXX different loan officers signatures with XXXX different dates which means XXXX signature is a fraud i have been trying to get help forever now i got forclosure papers i lost everythig this was my dream home and have nothing i have all docs to prove what i say but dont know where to turn aty gen fl., hud, i amm on ssi and get only XXXX per year so i cant afford an atty i even contacted the fbi by email and phone they have never once got back to me they listed my net worth at the time as XXXX know way is this true maybe XXXX if that know nothing we didnot lie on our app we gave them our proof of income when siging they put papers in front of us and we just signed our loan docs were mailed to us weeks later and i never looked at until they stopped my draws that should have terminated the mortage i would have finised my home and been living in it instead of being forclosed on now there is so much more to this and i have all the proof

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Reverse Mortgage Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a reverse mortgage with XXXX about six years ago when I was having severe financial hardships. They paid off my first mortgage but did n't pay off my back due taxes of about XXXX XXXX dollars. They assigned the mortgage to XXXX Mortgage. I had a repayment agreement with them. Then XXXX bought the mortgage again and Reverse Mortgage Solutions became the new service provider. From the start they seemed to want to foreclose and not give me a new repayment agreement citing FHA rules. In the meantime, after getting my reverse mortgage, I was forced to file Chapter XXXX bankruptcy and was discharged. After much trouble I was given a new repayment plan by them that did not state that any further tax payments would void the agreement. I told them that I could pay them every month until my financial condition improved. They sent back my third payment back because they paid the 2015 taxes. They have now started the foreclosure process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX, FL XXXXXXXXEquifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit score has been miscalculated and does not reflect my credit history. First, my credit history in starts in XXXX, when I received my first credit card. A fact that not mentioned in the credit reports. Second, my arrears with XXXX occurred because I had moved and had not known or received notices of the amount outstanding. I resolved that issue with XXXX in XXXX. Please update my credit score to reflect my credit history accurately. Thank you very much.

Company response to consumer: Closed with explanation