BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I do not have enough room here so I'll keep it to the bare minimum. In XX/XX/XXXX BofA granted us a loan modification. They did not honor the new payments. According to the most recent " reason '' they did not is they claim the payment amount was not enough to cover the escrow account. I have a letter from BofA that I received in XX/XX/XXXX showing that there is {$44000.00} ( that's XXXX ) IN THE ESCROW ACCOUNT. Right now. It seems to me that this agency, CFPD, is not for the consumer and does nothing but defer to the company there's a complaint about. I have had thousands of conversations with BofA and not one person seems to know what's happening! They rescinded the UNLAWFUL foreclosure that they did in XX/XX/XXXX due to the fact that it was " invalid due to an agreement between the borrower and the servicer prior to the foreclosure sale. '' THEIR WORDS. They NEVER TRIED TO RECTIFY THAT MISTAKE! They have spun up whatever story they see fit as to why they can illegally foreclose. I was making the required payments under the modification agreement!!! The last administration gave Billions of dollars to the BANKS to fix the problems they caused. They have done no such thing. I have all documents to prove that I did nothing wrong!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX. So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I received an email from XXXX XXXX ( NMLS ID : XXXX ) at Bank of America with a Closing Worksheet for a XXXX XXXX with 5 % down and no mortgage insurance. On XX/XX/XXXX I received a pre-qualification letter from XXXX for the XXXX XXXX which I used to make an offer on a house. 

After noticing some discrepancies during the closing procedure I made multiple calls and emails to ask why the loan terms had changed but XXXX did not answer. I finally was able to speak to his supervisor, XXXX XXXX ( NMLS ID : XXXX ) who wrote on XX/XX/XXXX : " When you and XXXX initially spoke he did indeed quote you our XXXX XXXX. Unfortunately, the problem with this is that our XXXX XXXX does not allow for a 5 % down payment. It would require a minimum down on 10 %. We should not have sent out that initial worksheet to you as that option on the program is ineligible '' I stated that the 5 % XXXX XXXX information was on publicly available websites and asked why it was being rescinded after I'd used their documentation to make an offer on a home. They stated that it was due to a " soft Housing market in XXXX '' but could not provide written rules about that new regulations. Other mortgage companies in XXXX informed me that it was not a soft market. 

I began looking into options to borrow money to make this higher down payment amount and was told by XXXX XXXX on XX/XX/XXXX that they also needed me to supply more information about my mode of practice so that the underwriter could confirm my eligibility as a XXXX. I stated that I was a fully licensed XXXX XXXX XXXX and employed as XXXX XXXX. They said that they needed to confirm that I was seeing patients. I stated that I was seeing patients and again asked for written documentation of these additional rules and inquired if they required proof of number of hours of patient care from other applicants. I did not receive a reply from that email ( sent over 2 weeks ago ). 

I have uploaded the loan documents but also have copies of all of the emails to provide.

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 2021-03-03
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So, I opened an XXXX Credit card through Comenity Bank. They make it to where you can't pay in person, only via their website or phone. There have been multiple occasions where I made the payment on time, but there was an issue with their servers or for some reason it wasn't processed. I don't have good cell service where I live, so I could only pay it via online. They charge all these " late fees '' because there were " technical issues '' on their side. My limit was {$200.00} and despite everything I paid including all the late fees, I owe {$600.00}. This was also settled but then the bank opened it back up and sold the collection. XXXX will not send me the entire transaction history for this account. They send me a couple random dates? This has ruined my credit and made my life as a single mom very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I responded to an email alert on my online banking site, it was information regarding the Cares Act forbearance program. I clicked on the email. and the response was that I qualified for the forbearance program, and was automatically enrolled and my next mortgage payment was not due till XX/XX/XXXX. I called Wells Fargo immediately to get more information as to what they had enrolled me in. I was told that due to Covid 19, they were allowing 90 days payment relief, and the missed payments would be tacked on to the back end of the loan, and would not effect my payment history, nor would it be reported, nor would it affect my credit score. close to the end of the 90 days, I was sent another email saying that if I wanted to further extend my forbearance, I could go another 90 days. I again contacted Wells Fargo, and made it clear I did not want to extend, and would resume my payments on XX/XX/XXXX. I made it very clear that I was concerned about the language on my past three statements regarding late payments, and the possibility of foreclosure proceedings. I was told that by making the normal monthly payment on XX/XX/XXXX, they would automatically remove me from the program. I have made the full XX/XX/XXXX payment, also the full XX/XX/XXXX payment yet, I am still showing as 3 missed payments on my statements, and still receiving threats of foreclosure in every statement. Interesting enough, after I made the XX/XX/XXXX payment, I received an email from Wells Fargo stating that I had been enrolled in the extension program for another 90 day forbearance. Again, I contacted Wells Fargo and demanded for them to take me off the program, correct my statements to reflect being current, and I wanted to see where the payments were added to the back end of the loan. I was told I would receive a letter explaining the procedure, and that now, I would have to sign for a new loan for the missing three payments, and that the new loan would coexist with the current mortgage. None of this was in the original description they gave me, and I was told that it was a fluid process, and that in the beginning, there was not a clear picture as to how all this Cares Act program was going to be handled. I have not received any letter, and I am still getting monthly statements reflecting delinquency and possible foreclosure proceedings if the full lump sum was not paid in full. I am concerned that there is a lack of transparency regarding this situation, and I am very concerned about the safety of my rights, and my home ownership. 
I would greatly appreciate some advise as to my rights, and as to where I can get help to protect my home. 

Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a letter from the IRS requesting my tax information from 2018. I called Lakeview LoanXXXX  several times and never got a live person on the phone to assist in getting my annual tax and interest statement. I sent a letter requesting the information to the below address and I received no response. The phone number is automated and if you don't have an active loan you can not get a live person. 
Lakeview Loan Servicing ATTN : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, Virginia 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 2018-07-03
Company: Westlake Services, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( west lake financial ) I made payments on this account, its shown on financial company that it was a charge back. I provided statements from my bank that it wasnt a charge back and it was sent to west lake financial. I sent them my documents XX/XX/XXXX. And they still havent contacted me back.i even contact the ceo. Spoke to him as well and he havent even contact me back. Also ever since I purchased my car, I had to get it repaired up to today XX/XX/XXXX. I dont have a check engine light at all and my car is making noise. I have a lemon car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: AES/PHEAA
State: CA
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:
My servicer for my federal loans is ( XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ). I am enrolled in automatic debit by FedLoan Servicing for my student loans. I am enrolled in an Income-Based Repayment plan. I am also enrolled the Public Service Loan Forgiveness ( PSLF ) program. According to the PSLF program, after I make 120 payments ( 10 years ), then my federal loans will be forgiven. Last year, I enrolled in graduate school, and unbeknownst to me, XXXX XXXX placed my loans in deferment. I never consented to this, and I would have never authorized it if someone at XXXX XXXX had attempted to contact me. As a result of my loans being placed in deferment, I have lost out on ~12 payments into the Public Service Loan Forgiveness program. I complained to XXXX what has happened, and they have sent me documentation with many inaccuracies ( from XXXX XXXX XXXX initials XXXX  XXXX ). First, they claimed that they contacted me regarding placing my payments in deferment. I do not have any such documentation from them regarding this. Second, they claim that they are " required '' to place my loans in deferment if I am enrolled in school at least part time. These federal " guidelines '' state that my loans " may receive a deferment ... if your servicer receives information from the school you are attending that indicates you are enrolled at least part time. If your servicer processes a deferment based on information received from your school, you will be notified of the deferment and will have the option of canceling the deferment and continuing to make payments on your loan. '' Again, this is not a " requirement '' and I was not notified of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Comenity Bank handles XXXX credit cards, a merchant with whom I have held an account for decades. In early XX/XX/2020 I made two relatively large purchases from XXXX, just as the COVID-19 pandemic was beginning its grip on the US. As a result, XXXX shut down some operations, and I experienced problems in getting guidance from XXXX as how to handle returns, as much of the referenced purchased product was to be returned. Eventually, XXXX provided a return mailing label, and I returned the product ( received by XXXX on XX/XX/XXXX ). 

I contacted Comenity by letter dated XX/XX/2020 explaining the situation, and Indicated I would make minimum payments each month until the returns were processed - and asked Comenity not to charge interest fees, as I anticipated the value of the returns to clear any balance. No response was provided. 

In XXXX, credits of over {$1500.00} appeared on the XXXX statement. Those credits were not as quite as great as I expected, but XXXX did resolve the discrepancies with me. I contacted Comenity again by letter, on XX/XX/2020, enclosing copies of return-receipts. I pointed out that my initial letter had drawn no response, and renewed my request for interest fees to be waived. 

On XX/XX/XXXX, Comenity wrote, claiming they were unable to verify a return, despite the return credits recently issued on the account statement. On the very same date, Comenity sent another letter - suggesting they were investigating my complaint, and suggesting that process might take up to 90 days. 

I contacted Comenity by letter dated XX/XX/2020 summarizing Comenitys failure to provide a meaningful response. The Bank responded on XX/XX/2020 - again with two letters, one asking me to call Comenity, the other suggesting they were researching the matter ( and indicating that effort might take up to 90 days ).

Throughout, this process Comenity has provided little or no meaningful response to my inquiries, and charged interest to my account - in XXXX, XXXX, XXXX, and XXXX, totaling in excess of {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: Bull City Financial Solutions, 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: Information belongs to someone else

Complaint:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : BULL CITY FINANCIAL SOLUTIONS- # # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX XXXX # # XXXX, XXXX XXXXXXXX XXXX # # # XXXX XXXX # XXXX, XXXX XXXX # # # # XXXX # XXXX, XXXX XXXX XXXX XXXX # # # XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
my name is XXXX XXXX during Covid I was there out of work for three months once I went back to work I paid all my American Express his cards in full they restored one card but will not delete the lates on my credit this is causing me not to be able to buy a home for my family Ive asked American Xpress due to Covid to do a courtesy delete and I can take care of my family they are not budging anything I can do this is frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit monitoring service notified me of a collect account added to my credit file for {$41.00} from Choice Recovery Inc. We do not know why or how Choice Recovery posted this information to my credit file is a violation of the FCRA class action settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal permanently limited my account just under 180 days ago. They said after the 180 days they would release the funds ( {$3100.00} ). On XX/XX/2021 they transfered the money to themselves and zeroed out the account. The following was the only note, '' {$3100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. '' I didn't violate anything and they said they were going to release my money after 180 days back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Source Receivables Management LLC
State: CA
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage through ATLANTIC BAY Mortgage. Their loan servicer is XXXX XXXX. 

We have had non stop issues with this mortgage company regarding them disbursing funds. 

First, w erefinanced and they had a clerical issue that marked the loan paid in full and they sent back our mortgage payments for 3 months. They tried to blame us for the issues and then finally admitted fault. 

As a lasting rwult of that same issue, they never updated the insurance and stopped paying on the policy and then forced an insurance policy on us saying we didn't have one. 

They admitted fault on that as well staying they never updated the policy. 

Now for a third time our insurance wa stopped due to Atlantic Bay / XXXX XXXX not disbursing to citizens. 

They attempted to divert blame yet again blaming the insurance company. The insurance company has timestamps and records of the sent documentation. 

This company has repeatedly had issues with their own loan officers stating they were happy that we sent emails regarding this because their servicerXX/XX/XXXX has been having a lot of issues. 

I called " XXXX '' at atlantic Bay corporate and she was rude, demeaning and unapologetic and had no sense of urgency on the matter and deflected. 

She said she wouldn't reimburse us for the new 4 point we needed and that the insurance increase would of happened at the renewal anyways when that renewal is still 6 months out. 

This company needs to be investigated and held accountable for unethical business practices. As consumers, it is disheartening that even through a pandemic we did all of our payments and acted as we should yet this mortgage company is causing hardship for over 2 years on a variety of different issues caused by their own loan servicer. If they had accountability and just fixed it, I wouldn't be doing this report. But instead they took the problem and we're rude, degrading and trying to deflect responsibility. Please contact the XXXX XXXX XXXX for evidence of all timestamps and submissions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Initially given $ XXXX credit limit. Used {$1100.00}. Tried to make {$700.00} purchase - declined! Found out limit lowered to {$1500.00}. Was never late making payments, always paid a little more than minimum. Was never told limit lowered. Seemed unethical & illegal for them to do this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
i currently have a credit card with XXXX XXXX, the card is the XXXX credit card and the credit line is XXXX. This information is missing from my credit report.

Company response to consumer: Closed with explanation