BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/18 I reached out to Bank Of America to see if they could waive the late fee ( s ) that were incurred due to late payment ( s ) which was no fault of my own I've tried on  numerous occasions to add my financial institution to their bill pay service but to no avail it is my firm belief that they blocked and or prevented me from adding my financial institution to cause such an action the customer service representative stated that i had other options other than using online bill pay which I told her those options weren't best for me suffice to say she said she couldn't waive the fees for me when the fees were incurred due to bank negligence

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 2018-09-07
Company: Capital Accounts, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They received my first certified letter disputing the {$1500.00} bill on XX/XX/18 where I requested anything bearing my signature, approximately 30 days later I received photo copies of bills none bearing my signature.On XX/XX/18 they received my second certified letter again requesting anything bearing my signature. Today I got a credit alert showing my collections going up because interest was added on XX/XX/18 causing my score to plummet 56 points and the debt still hasnt been verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was previously charged unauthorized charges and card was stolen and you guys started the investigation I won the Dispute and was waiting for my new card and I called and they said it was closed on my request and I didnt request to get the account closed

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 2019-08-30
Company: Premier Student Loan Center
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
premier student loans said that i was gon na recieved help to pay my students loans. this company claim to provide service handling all the paper work for you and making a flat fee of {$30.00} dollars a month after 4 payments of {$230.00} dollars. the first payment was for their fee and after that everything else was gon na go to my students loans payments which never happen. I tried to talk to them and asking for my money back and to cancel any other future charges to my credit card but they dont want to give me my money back. they lie to me my students balance is exactly the same and 1 year of their service, federal students loans have not received any payment whatsoever. they told me they would fix it and nothing, i want my money back and report them for their fraud.this is the name of the first person i talked to. 
XXXX XXXX PREMIER STUDENT LOAN CENTER Direct XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27
Company: Valentine and Kebartas, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They contacted my employer in XX/XX/2018. I do not owe money to this company but yet told my NEW employer of less than one month that there was a court order against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wells Fargo was intentionally and unintentionally negligent by releasing the {$12000.00} that I deposited to a fraudulent account at their institution after they had been notified that this was a fraudulent account and a scam. There was a police investigation by the financial crime unit of the XXXX County Sheriffs Office ( Case # XXXX ) and there were several complaints entered against them to prevent release of these funds while there was a criminal investigation. At the time, complaints were filed with the Florida Attorney General 's office, the Florida Office of Financial Regulation, the Federal Trade Commission and the Consumer Financial Protection Bureau. As per information released by subpoena and included in the police report, Wells Fargo allowed the account to be closed on XX/XX/2018 with the withdrawal amount of {$11000.00}. Wells Fargo confirmed that the money was sent to the name and address listed on the fraudulent account. 
The police report and previous Wells Fargo correspondence is available upon request. The OCSO also has evidence on a CD of investigative subpoena items.

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 2019-08-30
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company Mr. Cooper dba Nationstar Mortgage bought my mortgage from XXXX XXXX in XXXX because I was paying bi-weekly. Ironically XXXX didn't sell off mortgages that were paid monthly. Since being with Mr. Cooper, they ran an escrow analysis and said I have an escrow shortage. The shortage is because my XXXX XXXX for PMI doubled in cost from last year. I have called them and was given a mortgage research number. However this company has the worst customer service. They will not respond to secure mail. They do not follow up when they say they will. I was told that they would contact me with the results of the mortgage research request. They have not responded. I have contacted a supervisor and she will not respond to my inquiries about why my PMI coverage doubled and meanwhile all of my payments have been on time. My mortgage balance is decreasing therefore the risk is decreasing. I could understand an increase in PMI if they had changed companies but that hasn't happened. Nor has there been increased risk of the mortgage not being paid. I was paying biweekly and when they took over the mortgage they made it impossible for me to pay biweekly. I called multiple times. I sent the forms in multiple times, and all times they failed to process the payments biweekly. After all, I would be paying down my mortgage faster and decreasing their profit. I can see why they wouldn't want me to pay it off fast. However, this PMI scam is terrible and they won't respond about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Me, along with MANY other people are having a problem where the California XXXX and Bank of America fraud systems wrongfully marked tons of people 's bank accounts as fraudulent and subsequently froze them. My account was unfrozen after a few days but the bank has taken back thousands of dollars that were given to me as reimbursement from ACTUAL fraud that happened months ago! Now my ( along with many other people 's ) account is in the negatives and the bank still hasn't given back out money due to this fraud system error. It almost impossible to reach anyone from California XXXX or Bank of America ( probably because this is happening to many people ) but there is no action being taken!! Some people still have their accounts frozen! All of this is because of the fraud systems being faulty and failure to secure our cards from Bank of America! Now many people are suffering with accounts in the negatives and no help!

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 2018-02-22
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
It is not the denial that is the issue. i was told that if I applied and got denied for that term I could apply for a different term and not re-run my credit. Well i was going to add my husband and all of a sudden they wanted to re-run my credit. I didn't do it but I wouldn't have let them in first place and why i asked, they said my credit was good for 30 days then that changed. This same bank ran our credit twice for a mortgage loan. these multiple hits hurt us and I do not agree with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS denied us a repayment plan home retention in response to RMA we filed on XX/XX/XXXX ( 46 days before foreclosure then scheduled for XX/XX/XXXX ). RMA completeness was affirmed by SPS on XX/XX/XXXX or XXXX, XXXX. In XX/XX/XXXX response letter to our appeal of RMA repayment plan denial decision SPS changed the denial reason given to us to by SPS on XX/XX/XXXX. 
XX/XX/XXXX SPS rejection of the Repayment Plan option was due to our alleged bankruptcy status. In XX/XX/XXXX ( as well as on XX/XX/XXXX ) SPS changed the denial reason and informed us the reason for the denial of the Repayment Plan was because SPS previously provided a decision regarding this program on XX/XX/XXXX. ( i.e. during a separate loss mitigation evaluation conducted twelve ( 12 ) months prior to the XX/XX/XXXX recent decision ). 
SPS unfairly or unconscionably changed loan modification repayment plan denial reason to suit SPS objectives and to deny us repayment plan home retention option. 
209 CMR 18.21A states : A third party loan servicer may not use unfair or unconscionable means in servicing any mortgage loan. 
Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. Tracking number Overnight Express U.S. Mail # XXXX XXXX XXXX XXXX XXXX XXXX SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX, I submitted an online dispute with Experian to remove a personal statement on my XXXX XXXX XXXX account. This option to dispute the statement was available via the online dispute on their website. Om XX/XX/XXXX the dispute was closed and my updated Experian and XXXX  credit reports showed the entire positive account had been deleted. This in turn lowered my credit score. After finally getting in touch with a live rep in the dispute dept, I was told I would have to call XXXX XXXX in order to have it put back on my report. This is unfair since it was completely Experian 's fault.

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 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Reference # XXXX - The compliant centers around two 0 % promotional APR offers with a Bank of America Credit Card. The first offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX, while the second offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX. The balance for each offer at XX/XX/XXXX were {$7800.00} and {$5100.00}, respectively. As offer XXXX was due to expire on XX/XX/XXXX, a payment of {$7800.00} was made to the account on XX/XX/XXXX. However, the payment was applied first to offer XXXX satisfying the {$5100.00} balance with the remaining balance of {$2600.00} applied to offer XXXX. Following numerous conversations with Bank of America representatives from XX/XX/XXXX to XX/XX/XXXX ( multiple calls per day ), the compliant was researched and it was determined that the payment was first applied to the offer with the earliest start date in accordance with bank guidelines and policy. 

The representative explained that the payment being applied to the offer with the earliest start date was disclosed in the Credit Card Statement ; however, the only item disclaimer in the statement references " HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balance first ( including transaction made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. '' Since both APRs were 0 % at the time the payment was processed on XX/XX/XXXX, it would appear the consumer could direct the payment to be processed in a way that is most favorable to the consumer. However, if the interest only promotional offer had expired, meaning the payment posted after XX/XX/XXXX, it would appear the allocation of the payment would have been correct.

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 2019-08-30
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A Failure To Pay Was Incorrectly Placed On A Credit Card ( XXXX   XXXX ) Account On My Experian Credit Report. In Addition XXXX XXXX Repeatedly Places Varying Collection Dates On This Account In Order To Hurt My Credit Score. No Late Payments Or Failure To Pay Designations Can Be Placed On An Account After It Is Sold To Collections, And XXXX  XXXX Continually Harasses Me By Fraudulently Placing Incorrect Information On My Account. This Company Is Harassing Me By Attempting To Repeatedly Damage My Credit By Fraudulently Reporting False Information. XXXX XXXX Continually Places New, False Information On My Account Every Few Weeks In Regards To A Closed And Sold Account And Does Not Allow Me To Dispute 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 2018-09-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
This private student loan was signed for by my father thru my XXXX XXXX XXXX XXXX that became XXXX XXXX XXXX XXXX was shut down to fraud and embezzlement and they used XXXX as there bank source. I never signed the loan docs Wells Fargo has never provided anything showing my signature. My dad filed a chapter XXXX Wells Fargo fought discharge but again they lost and the debt was discharged at the end of the 13 5 years later. They willing took payments from him that was against the bankruptcy code. But now since the Bk court figured out what they were doing they are trying to make me responsible for a loan I never signed. They will not talk to me and refuse to provide any proof as there is non or its fraudulent. Again look at XXXX XXXX lawsuit remember XXXX XXXX was the same people from XXXX. Now Wells Fargo is distroying my credit. On a 13 year old loan that I never signed for never delt with never did anything with. There is only 2 months of pay history reported on the credit report. Like I just took this loan out and defaulted. Where is the other 12 years and 10 months of reporting history? You have not not been able to prove ownership yet you destroy my credit. Please remove this off all of my credit files at XXXX, XXXX XXXX and XXXX. I have received no notification on this loan of statements or delinquent notices. So again please remove all negitive credit reporting and remove the whole loan off my report as I never signed any paperwork to have any liability for this loan.

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 2019-08-30
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used to have 3 credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the 3 cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. I just paid the annual fee of {$89.00} for the arrival plus card in XX/XX/19 and have XXXX awards miles which are worth approximately {$4300.00} if they are redeemed towards travel expenses, hotels, airfare, etc. I have accumulated these points over last 2 years while paying annual fee for the card and was planning to redeem them for travel expenses.I feel that Barclay Card was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points for their full value. I would like to seek your help to get back my rewards of {$4300.00} and annual fee of {$89.00} from Barclay bank, a total of {$4400.00}.

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 2018-09-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2008, I attended XXXX XXXX XXXX XXXX in XXXX MD. Originally the XXXX XXXX took care of the tuition which was {$16000.00}. The school took out loans in my name under the guise of living expenses. I only received one of the many loans that is on my credit report which is in the amount of {$6800.00}. The other loans that are on my credit report are fraudulent because I never received any of that money. The school would make up excuses for why students couldn't get their money, whether they were under 90 %, they missed a couple days, they weren't able to get their money and the teachers and faculty pocketed the money. Now {$26000.00} later, I'm still paying the interest and not seeing any results from payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company 's name is Portfolio Recovery Associates, the name of the personnis XXXX XXXX, they called me on my cell phone on Sunday at XXXX hours with threats. This is unacceptable. I have no idea who these people are, this is a cell phone and I thought they were forbidden to call on Sundays and cell phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: CA
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 been disputing this debt inaccuracy for months now and my latest letter from experian said my dispute letter was irrelevant information which is so untrue, the address that the debt was originated is listed on my report at two different locations, and the dates are unfamiliar to me, the debt is so old. It was opened in 2008.

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 2018-09-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and am disputing some items that need to be deleted. I have attached the disputed items on the attached copy. The reasons why these items should be deleted are indicated below : A. XXXX XXXX ..XXXXXXXXB. XXXX / XXXX XXXX XXXX C. XXXX XXXX /XXXX XXXX XXXX XXXX D. XXXX XXXX XXXX 1. Debt ( s ) has been satisfied 2. Statue of limitations 2012 one ( A ), ( C ) & ( D ) Pursuant to FCRA 611 ( a ) 15 USC 1681i ( a )

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 2019-08-30
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief