BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX my wife and I went into the XXXX, IL. branch of US Bank to transfer out two IRA 's to another bank, each IRA had matured on XX/XX/XXXX. At the time of the transfer the assistant manager processing the paperwork reduced the amount of each IRA by {$30.00} as a fee. We had brought all our IRA paperwork with us to the branch and asked the agent to show us where this fee was disclosed. After looking through all the IRA paperwork the assistant manager XXXX called an internal US Bank support line for help. After the call he provided us a " Consumer Pricing Information '' brochure ( printing XX/XX/2016 ) showing a transfer fee. We opened the IRA 's 5 years prior and were not given any fee information for the future, and there was no mention of any fee until we tried to access our money. We did asked to have the fees waived but were told only the manager ( XXXX ) could do that and was not available that day. We also called the US Bank 24 hour banking line the following Monday ( XX/XX/XXXX ) who referred us back to the bank branch we had already visited. I also called the branch the same day and spoke to the branch manager ( XX/XX/XXXX ) who could not help us in refunding the fee. The attached support documents only discuss early termination fees and nothing about transfers at maturity. Attached please find a copy of all IRA documents ( note : wifes IRA is identical in terms, dates, and fees, I can provide these if necessary ) This practice seems predatory in nature as we were not informed of the fees, never signed anything acknowledging the fees, and are charged this {$30.00} fee on each and every IRA account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a home in XXXX XXXX with a conventional mortgage through XXXX XXXX. It was transferred to XXXX shortly after its inception. We received a notice in XXXX XXXX that the loan would be serviced by SLS. We did not set up an impound account for property taxes when we purchased our home. 
Because of that, we paid our property taxes prior to their XXXX XXXX due date in the amount of {$2500.00}. In XXXX XXXX, we received a check from our local tax collector/treasurer for an overpayment in the amount of {$2500.00}. After a telephone call to the county treasurers office, I suspected that SLS had mistakenly thought that we have an impound account. I promptly returned the check to the treasurer/tax collector with a letter stating that we do not have an impound account -- never have, never will. I also sent SLS an email alerting them of their error. 
Fast forward to XXXX XXXX, when SLS sent me a bill with a notation that I have a delinquent tax advance charge of {$2500.00} that is due by XXXX XXXX, XXXX. Please help. I do not want to pay for taxes that I have already paid. Please note that our local taxes are due in XXXX installments of {$2500.00}. I have paid XXXX installments.

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 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015, I went outside to check my mailbox and I noticed a manila envelop hanging on my door with a note to call BOA XXXX Bank of America XXXX immediately. I had been home all day and no one knocked on my door or rung my doorbell. So, I called. I did not get the name of young lady I was speaking with but she was very condescending. 
BOA was contacting me regarding my XXXX payment .... My payments are due on the first, I have until the XXXX, so my payment ( at that time ) was only 3 days late. I tried to explain to her that I was waiting on my next paycheck to be able to make a full payment. She wanted me to obligate myself to a specific date and I told her I would not do that. She preceded to let me know that BOA could move forward with foreclosure on my house if I did n't make some sort of payment arrangement. I told her that I was not even a full month late but she firmly stated that if I did n't make some type of arrangement with them, foreclosure was the next step. I did n't understand how that could be possible due to the fact that I was not ( am not XXXX an entire month late with my mortgage and it is paid up until XXXX. 
I did not make a payment arrangement but I did agree to let her send me out some type of package with information to complete to see what can be done to keep my house from going into foreclosure. 
Once again, I am not even a full month late and BOA is threaten me with foreclosure. How is this possible. It is my understanding that a mortgage company can go forward with a foreclosure unless a person is 120 days late on their mortgage. How can BOA do this???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company dont want to deferred my mortgage payments according to the recent law XXXX XXXX XXXX XXXX XXXX XXXX and they only did it on XXXX, XXXX and XXXX but I lost my job and now they dont want to respect the law and would like me to pay or get of any assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX ( XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries : 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 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a loan modification with Bank of America for the mortgage on my home. Bank of America is currently charging me a 9.5 % interest rate and has charged a very high, predatory rate on my loan for years. I have applied for loan modification assistance several times over the years only to be told repeatedly that my paperwork was not received when I had in fact mailed in the paperwork repeatedly in an attempt to complete the process, only to find out, I was just being given the run around.No matter how many times I completed the paperwork ( at least 10 ) and the hours I spent on the phone, they never completed the process but gave excuses to put me on a chase instead. 
I recently mailed all documents again for loan modification and they responded with a statement saying I do n't qualify because my gross monthly income is too low. The amount they have listed as my gross monthly income is incorrect despite numerous documents Ive sent documenting my income. 
Their indicating that based on my income, I ca n't afford a lower payment but allow me to continue a loan with their company at a higher payment, which to any reasonable person makes absolutely no sense. 
This is just another attempt at a stall tactic to take advantage of a customer, by stating incorrect financial information so they can justify not granting me a modification and keep me at a very high, predatory rate. No matter how often or how many times I send in information and follow the steps, they come up with in an invalid excuse not to help ; this time it is incorrect income information that does n't match the income information I sent in. They simply do n't want to modify the loan but would rather continue their predatory lending practices and take advantage of consumers.

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 2016-04-15
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Loan provider ( Navient ) lowered month due amount by XXXX %, while also preventing me from easily setting up recurring automatic payments. This option was previously available by other lender ( XXXX XXXX ) before being sold. This makes it more difficult to pay off loan amount quickly and shows the provider is seeking to get as much interest as possible. I did not approve lowered rate, but was rather opted into it by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I am writing on behalf of my XXXX year old XXXX. She is paying on her grandson 's XXXX XXXX XXXX loan, however they call her day and night requesting that she pay it off in full or they demand a very large payment. They threaten her with foreclosure and lawsuits. She pays monthly and they still call, they even call her on holidays. She asks them to stop calling and has put it in writing and the harassing calls continue. They 've told her they 'll call when ever they want and will continue until she pays off the loan. These calls are making her XXXX and I need to know what we can do to stop this harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: Firstsource Business Process Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First Source Advantage called from XXXX asking for me by my maiden name, which i have not used since 1990. All they would say is the call was being recorded and would provide no additional information. I did not provide them with any info, but it has to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: HW Holding, Inc
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I was made aware of a collections that was placed in my name. The debt stated that it was from XX/XX/2016. The amount was for {$3500.00}. At no time was I sent any information on this and I have no knowledge to what this may even be. It does not show up on any report but XXXX. 

After disputing online ( once it hit my account ), XXXX simply stated that it was verified. I still have not even any information on why the amount is due, how the amount was calculated, who the original debtor is and who owns it now. 

It now has changed from a collection to a " charge off '' to which I have no idea why. I would like the debt removed from my report. I would also like to know what legal actions I can take against the debtor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
2 to 3 phone calls a week from XXXX claiming I owe {$140.00} and they want there money. I donot owe them any debt. 
They leave options on how to pay this debt and claim to be Penn Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had to take out a loan for a college program I was doing, during the program many things were changing. The loan, already priced very high, was super expensive and hard for me to get but I was able to get it approved and continue the program. Then things started changing in the school like everything went to an online school format and that is not what we expected or what we were paying for. So after changing everything, almost all of the students grades started to lower including mine, which lead us to failure. Thats is what happened, they were not teaching well like they were in the beginning of the program and a lot of the students I spoke to failed many tests and the program. I unfortunately failed the program barely passing, I actually passed but they could not understand my situation of help me instead they decide to kick me out of the program and leave me with the debt. This happened at the XXXX college at the XXXX campus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: SLM CORPORATION
State: PA
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:
My daughter has student loans through Sallie Mae, I am a co-signer, due to her pay schedule her payment may be a few days late. We receive robo calls about a week before payment is due, and then for about a week after. These calls come every hour. I have called and talked to their representative and they tell me there is nothing they can do to stop the calls even after the payment is made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am a current customer of the North Carolina State Credit Union. I have my checking account and a savings account with SECU located in XXXX XXXX North Carolina. 
I have direct deposit of my Social Security Disability check being deposited into my checking account each month. I recently closed a checking account due to it being compromised and opened a new account for direct deposit. The old account was closed on XXXX XXXX. XXXX XXXX XXXX SECU allowed a unauthorized debit from a business in the amount of XXXX to be debited from the closed account. There were no funds in the account and the account was closed. I did not authorize this debit nor did I have any knowledge of a bill from this company. 
I went into the branch and was informed that SECU allowed this debit on a closed account. This has put my account XXXX XXXX on hold. 
My sole income is XXXX a month from Social Security disability. I am a disabled person on a fixed monthly income and because of this fraudulent transaction I am in need of help with this matter, This has left me with no means to support myself or my children. I had no knowledge that SECU would allow a debit on a closed account. 
Please contact me I need help with this matter. 
XXXX XXXX XXXX XXXX nc XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax. I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report. 

Creditor Name : XXXX Account Acct # : XXXX BALANCE XXXX Reporting Paid and creditor agreed to remove from credit reports and Equifax is the only one continuing to report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were contacted after an attempt to settle a debt for a lesser amount was refused. XXXX XXXX from synchrony bank called us to inform us that we had been improperly denied to settle the debt. She told us all we had to do was pay {$99.00} more dollars and the debt would be settled because we had at that poi t caught our payment back up, and played as much as we could. We paid the {$99.00} immediately, but now they are still claiming we owe the debt. We can not get XXXX XXXX to call us back or answer our calls. We have done our part and have only received generic answers from synchrony bank that solve nothing. Nobody has an explanation as to why we were called, but we supposedly still owe the debt in their system. Our payments were up to date when XXXX called us, so the {$99.00} was obviously not to get us caught up or anything. She stated that it would settle the debt in full.

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 2016-12-09
Company: Navient Solutions, LLC.
State: NY
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:
I have been paying my loan agreement with Navient/XXXX on time. The money is an automatic payment. I have recently started to recive phone cals from them offering a settlement offer, in which i would have to pay a large sum XXXX XXXX XXXX in XXXX payments. I have told tgem that i can not do that and would stay with my current payment. I was told by the rep that i could take out a loan from my XXXX, ira or a personal loan. I thought she was overstepping her boundaries. After i told her no i would not be doing so she then responded " you rater be responsible for XXXX than XXXX? Again thats none of her concern especially if im making my payments. I received another call from the same rep a week later offerung the same settlement. I asked her why was i still receiving these calls and she looked into my accout and said that it was because i show that i have an available credit card amount of XXXX which i could use as a down payment. I dont think that its fair of them to harrass me for a down payment for a settlement that i can not afford when i am making payments to them and is in good standing. My credit will not be used to give them more money, that is my emergency card and is not used for that. They are a money hungry company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Got a call from First Bank Card 's ( 1st National Bank of Omaha ) fraud department asking if one of my employees cards was trying to be used ... XXXX I went online and notice that mine and my employees cards had been shut off - I called the regular number on the card XXXX ... he said someone tried to use my card on XXXX ( not my employees that the other person called about-but mine ). This card has not been in circulation or had a purchase for almost 2 years. I asked him how ... he said must have been someone when I was walking around blah blah.. The card has been locked up in the house for 2 years ... I said they must have been hacked ... he said no.. it must have been gotten another way. Then he pulls up my employees card and his also had an XXXX attempted purchase.. this card has been inactive and locked up for 3 years. 
It's obvious someone has hacked into 1st National Bank of Omaha ... no other way they could have gotten both of the credit cards info and tried charging at the exact same place at the exact same time. 
They are trying to cover it up and I have no idea how much of my information is out there now. This is a problem that they will not fess up to.

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