BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX   XXXX  We started the short sale process with Bank of America on XX/XX/XXXX. We faxed in our authorization multiple times over the past 30 days, requesting a payoff demand. BAC is refusing to provide a Payoff Demand. 

Today they are claiming that the loan has been charged off. In turn I asked that we receive either a payoff demand showing the balance due, if any ; OR a Reconveyence of the 2nd XXXX. I was told by Customer Service that the short sale department handles these requests. The short sale dept told me that the chargeoff dept handles these requests for charged-off loans. I then spoke to the charge-off dept who told me that only the short sale dept can help me. I spoke again to the short sale department and they sent me back to the chargeoff dept. 


In every conversation I was directed to a different department, who then told me that dont actually have the ability to process my request for the payoff demand on this loan. 


At this point Bank of America has acknowledged my authorization as an agent for RE XXXX XXXX. They have also told us in writing that the loan is charged off. THEREFORE -- -- -- -- Bank of America has TWO options EITHER provide a payoff demand to me as the authorized third party -- - OR Reconvey the lien off the property. But THESE DELAY TACTICS AND GAMES HAVE TO STOP. It is obvious Bank of America is completely incompetent in dealing with these types of loans AND THIS IS PURPOSEFUL FRAUD ON THEIR PART. 



*******BANK OF AMERICA SEEMS TO HAVE NO IDEA WHERE THEIR 2ND MORTGAGES ARE THAT HAVE BEEN CHARGED OFF ********** NO ONE CAN HELP ME GET A PAYOFF DEMAND ********** THIS IS THE 2ND FILE WITHIN THE PAST 3 WEEKS THAT WE HAVE HAD THIS ISSUE ********** OBVIOUSLY THIS IS A MAJOR PROBLEM WITH BANK OF AMERICAS RECORD-KEEPING. 


****************************PLEASE SEE CFPB COMPLAINT # FILED ON XX/XX/XXXX -- CASE # 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 2017-07-29
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I emailed LoanCare to confirm that if I made a one-time principal payment so that the principal value of my loan reached 80 % of the original value of the property securing the loan, and the appraisal showed the value of my home had not gone down, I would be able to cancel my PMI.
Instead, LoanCare sent me a letter setting forth additional conditions that I would have to meet to remove my PMI, conditions that I do not believe are permitted under the Homeowner 's Protection Act, including that I would have to wait at least two years to terminate my PMI ( See Attachment A ). Then I called customer service to talk about whether or not I would have to wait two years until LoanCare would let me terminate my PMI. I spoke with Customer Service Manager XXXX XXXX, who told me that there was a two-year " seasoning condition '' on my loan, such that I could not cancel my PMI for two years. ( See Attachment B ) ( email from XXXX XXXX directing me to website with information about two year seasoning condition ). I do not believe that " seasoning conditions '' are permitted by the Homeowner 's Protection Act. ( See Attachment C at page 6 ) I am now thoroughly confused and no one on LoanCare 's customer service team has responded to my repeated requests for clarity.

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 2017-07-29
Company: Navient Solutions, LLC.
State: IN
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 was with navient, they charged me {$300.00} to consolidate my loans. They said I would only have to pay {$12.00} a month in this new program. Now I 'm with XXXX XXXX. I did n't know that being in this program would increase my loan! They did n't say anything about the interest accumulating. I thought I would just be paying back what I had borrowed they mentioned nothing about the interest rate I was extremely missed lead. Then another loan agency sent me a letter, " student loan division '' sent me a letter sayin I should n't have been charged to consolidate my loan to get into this program why is this happening why am I getting buried in this loan? I 'm very distraught confused and worried if someone can please help me clear this up I would really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: PRIME MORTGAGE LENDING, INC
State: NC
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 had GoPrime Mortgage of XXXX XXXX complete a unauthorized Hard Inquiry on my credit on XX/XX/XXXX. 

I submitted an application early XXXX. On the XX/XX/XXXX we emailed about credit pulls. I requested to be notified before the credit pull, XXXX XXXX of GoPrime responded he would need email authorization. I responded on XX/XX/XXXX that I would need it done before XX/XX/XXXX since I already was shopping around for rates with other mortgage lenders. I never heard a response from him until XX/XX/XXXX after this unauthorized incident. On XX/XX/XXXX I email XXXX XXXX stating that I was withdrawing my application. I also attempted various time to speak with him over the phone but kept getting his secretary who I also notified of my withdrawal. Today XX/XX/XXXX my credit was pulled by XXXX XXXX on behalf of GoPrime Mortgage without my approval. I notified XXXX XXXX and he contacted me via phone stating he would investigate, but also stated he didn't know what a resolution would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: SLM CORPORATION
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX called Sallie mae once again to explain I am experiencing serious health issues and can't pay at this time Customer service has no Options for me gives me a number to call and I have been on hold for 2 hours now and requested the disability application which will be received in my email in 2 days? I hate that the laws in place just don't pertain to them nor do they have any options to work with me. It's a joke and I'm struggling to get through each day as it is and they aren't easy to deal with at all. XXXX I'm so fed up. I communicate and get no where

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$10000.00} to Coinbase on XX/XX/XXXX and the funds have yet to clear my trading account as of XX/XX/XXXX. The XXXX website reads that wires clear within one business day. I have gone through the online support method twice with no repsonse and have called to discover that there is not support for these matters over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
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: Account status incorrect

Complaint:
I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.

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 2022-01-14
Company: NCD Financial, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SS # XXXX Telephone- XXXX Date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO Account number XXXX XXXX 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge definedExcept as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

15 U.S. Code 1666b. Timing of payments b ) Grace periodIf an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge XX/XX/XXXX Account number : XXXX To Whom It May Concern, Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this is in regards to a complete filed against bank of America XXXX the loan was paid off XXXX/XXXX/XXXX, I have still not received the escrow deposit back, it has been over 3 months and I feel the Bank of America is not acting in good faith. 
this loan was on my primary residence.

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 2021-06-21
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Funding said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from Midland Funding or from the court system. 
My employer received a letter from XXXX XXXX XXXX in reference to Midland Funding with information to garnish my wages. I did not receive any information from Midland Funding or from XXXX XXXX XXXX about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information XXXX XXXX XXXX sent my employer on XX/XX/XXXX. 
The initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. 
I have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of XXXX children. Both children are beginning college in the fall. If Midland Funding/XXXX XXXX XXXX garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. Midland Funding and XXXX XXXX XXXX have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I currently have my XX/XX/XXXX accounts at Bank of America since XXXX. In XX/XX/XXXX I instructed the bank that my Legal business name and tax ID # was NOT changing only my XX/XX/XXXX name and submitted all the required paperwork to have the XX/XX/XXXX changed. I was told that in XX/XX/XXXX, BofA changed their policy and I can no longer change the XX/XX/XXXX name and would be required to open all new XX/XX/XXXX accounts. I explained that 2 other banks in the area had no problem just changing the XXXX name since my Legal name and tax ID was not changing. After speaking to the branch, I then called the XXXX number and was told they will look into it. I also explained that this is fraudulent sales practices just to obtain new business accounts. I have numerous ach withdrawals that come out of the account and it is also tied to my XXXX XXXX, state sales tax etc. and this is unfair. I then received a letter in the mail dated XX/XX/XXXX informing me that I can go into the branch to change the XXXX name. I reached out to the branch again on XX/XX/XXXX informing them that I received a letter stating to go into the branch to change XXXX name. 
On XX/XX/XXXX, the manager contacted me to let me know this is a generic letter that went out to me and to ignore it and I would be required to open all new accounts as the policy changed and they can no longer change the XXXX name on the account. I will not be opening new accounts at bofa and will be moving my accounts, however, this is deceptive just to obtain new accounts to meet sales goals, I believe this is similar to XXXX fraudulent sales practices, except in this case it is not the employees doing this it is the change to their corporate policy, so therefore it makes it Legal. I will be moving my accounts, however, in the meantime my checks may not be accepted as they will be made out to the new XXXX name. I plan on taking this to the media as well to let other XXXX XXXX customers in this XXXX area know that the bank is causing harm to customers requiring them to open new accounts for absolutely no reason at all. 
Case # XXXX Case # 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 2019-09-19
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover Bank is reporting my credit card with account number XXXX as being 30 days late with different dates on each credit report. XXXX  is saying I was late XX/XX/XXXX, XXXX is saying I was late in XX/XX/XXXX and XXXX  is saying I was late in XX/XX/XXXX. Please verify that I was 30 days late on XX/XX/XXXX through XX/XX/XXXX with this account because it does not match my records. Once you conduct your investigation on the payment history being reporting on this account, you will see that it is in violation of the FCRA along with FACTA 312 which is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When Experian was hacked and the media advised freezing all three credit reporting agencies to protect the dark web from selling U.S. Citizen 's personal information, we had Experian, XXXX and XXXX all frozen, and received pin numbers to unlock all 3 when we had purchases we needed to make. That day came today. XXXX executed our request with absolutely no problem. 
However, Experian and XXXX apparently utilizes off -shore customer service personnel who are, ( I will be nice ) completely frustrating, ineffectual and infuriating XXXX. 
They did not accept the pin they issued us. They did not accept the confirmation numbers that were given at the time of last credit freeze transaction. The representatives demanded Mortgage entity information, several other vendors that we pay by credit card, and then demanded copies be faxed with full SSN # s. 
What did we get a pin number for? Can you please help with this issue? These two entities were NEVER easy to do business with, and now it is intolerable/impossible. 
Please Help! Thank 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 non-monetary relief
Consumer complaint received 2019-04-22
Company: Frontline Asset Strategies, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
the dedt is not mine they do not have a contract with signature on it and have trying to reach them it derogatory against my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX, I leased an XXXX XXXX. I knew that my first payment would be {$480.00}, and that is the amount I paid on XX/XX/XXXX. Shortly after that, I received a " welcome '' packet from Audi Financial with a booklet that states " your account information has arrived. '' In the booklet, there is a page that clearly states the monthly payment amount is {$440.00}. There are no monthly statements sent, only this booklet at the beginning of the lease. This is the amount I have been paying every month starting in XX/XX/XXXX. At no point has Audi contacted me to say this amount was incorrect. Today, XXXX XXXX, XXXX, I received a letter from Audi Financial saying my account is past due in the amount of {$270.00} - this includes {$230.00} in past due lease payments plus {$37.00} in late charges. 

I called Audi Financial to speak with someone. The person explained the amount I am supposed to pay is on the contract I signed. This is one page of MANY that I signed that day, and I distinctly remember being told the actual monthly payment amount might change - wait to get the account statement/booklet. He then explained that after 10 days, a late charge is applied to the account ; after 29 days, it's reported to the credit bureaus. I am not clear why I was not told anything about this until XXXX, if they've known I've been paying the incorrect amount since XXXX. 

I understand I have been paying the incorrect amount and will certainly pay what I owe on this account. However, I now have a much better understanding of why I was turned down for a personal loan earlier this year. I had no idea Audi had reported me to the credit bureaus without telling me there was a problem. Had they notified me earlier, I could have corrected this earlier. 

I think Audi 's leasing practices are deliberately deceptive or completely incompetent. If I could turn the car in tomorrow, I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: USCB, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RevSolve Inc keeps calling me at work, after being repeatedly told not to call during those hours. They have been extremely aggressive and disruptive in their tactics, even suggesting that upcoming XXXX is a ploy to avoid paying. I REALLY need them to quit disrupting me at work. 

I can provide call recordings if needed.

Company response to consumer: Closed with explanation