BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HELP! URGENT - I sent in all the paperwork on XXXX XXXX, 2015 to do a {$900000.00} loan modification. I was called last week and told that I was denied because my loan was over {$720000.00} by XXXX XXXX. I said this is crazy because XXXX XXXX sent me paperwork to get a loan modification back in XXXX, 2015 and she knew my loan was over {$900000.00}! I received a letter yesterday from XXXX XXXX stating that I did not provide a " Real Estate profit and Loss Statement ''. This was the reason for the denial. I never received any documentation that I needed to provide a real estate profit and loss nor do I have a real estate company. How can this be??? 
XXXX XXXX also said they responded to my inquiries on XXXX XXXX and XXXX XXXX. 
There was nothing about a real estate company in either of these letters. They were for the benefit of you. XXXX XXXX also said that the foreclosure sale " is less than 37 days out '' - IT IS XXXX XXXX - a week away!!!! 
There is a web-site called XXXX that lists everything I have been going through. Someone took a lot of time to create this web-site and if you review it, I think you will see how so many of us are being lied to! They never even looked at my information, they just want to get us out of our home by waiting until the last minute ( right before a sheriff sale ) to deny us on the loan and basing the denial on XXXX different items which are totally incorrect:1. loan over {$720000.00} ( then why did I fill out all the documentation???? ) 2. no real estate profit and loss sent ( I was never asked for this and I DONT OWN A REAL ESTATE COMPANY SO COULD NOT HAVE PROVIDED IT ) Please help. Wells, Fargo Home mortgage needs to be investigated totally. I have written to the CEO also. 

CC : XXXX, XXXX LAW FIRM

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been attempting to refinance or settle my loans for years. I have sent letters, called, faxed, and I keep getting sent to different departments or phone numbers, all of which direct me back to Navient. Navient will not help me. They claim they have no record of correspondence I have sent, even though I have confirmations. I requested new payment arrangements, they put it in forbearance, which led to HUGE increases in interest. When I was unemployed, they did nothing about income based repayment, but deferred it and charged 9 % interest. Now, my {$15000.00} in student loans are up to {$40000.00}. I have tried to discuss income based repayment, but have gotten no where. I have tried to settle the loans for a lump sum, but first they told me they were processing it. Then, they told me they had NO record of my request. Then I was sent to the Federal Student Aid department who told me they had nothing to do with this. I work for a non-profit. I have been there 6 years. I could be through a large portion of forgiveness, but i have been forced into forbearance and deferment to my detriment. I have been lied to, misdirected, poorly advised, and given different answers every time I call. I want to make a settlement on my loans, refinance them,. anything. I am XXXX years old and I can not go into retirement with loans at 9 % of {$40000.00} when I borrowed only {$15000.00} and graduated in 1996. Please give me direction as to WHAT I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Late fee

Complaint:
I made an electronic payment to Chase Cardmember Service on XX/XX/2016 for a credit card payment due on XX/XX/2016. My bank transmitted the payment to Chase electronically at XXXX XXXX on XX/XX/2016 ( a business day ) and debited my account on that same date at that time. Chase posted the payment five days later on XX/XX/2016 and then charged me a {$39.00} late fee. Chase 's posting practice is patently illegal, fraudulent, and designed solely to generate fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a transaction on my USAA Master Card and they took charges off. They Merchant responded and they reissued him the monies even though I have resubmitted more evidnce showing substandard work and misleading representation to Emissions they will not take the monies off because they do n't have a letter from a third party even thought they have the problem on the receipt. They are letting XXXX XXXX XXXX get away with fraudulent business practices at my expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-04-19
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I moved out of my apartment. They said I owed them {$400.00}. I paid them the {$400.00}. I called the office, spoke to the office manager at the time and verified that everything was settled. Well I guess new management came in or something because they hit me with a bill of {$900.00} in XXXX of 2020. This is after my apartment inspection was done and completed. So this collection needs to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been trying to get a loan mod for a home equity line of credit that I got before the XX/XX/XXXX crash ... Bank of America had sent me a letter stating they can modify it through a Government Program HEMP since I can not afford my house payment to go from XXXX to XXXX a month. For OVER a YEAR now they have been playing games and have done little to nothing even after I went to the Federal Government and they told me to just go on line and file the necessary paperwork and submit it to Bank of America .... They still continue to play games even after I was told by the Federal Government that if I do n't qualify for the program NO ONE DOES! I am now at the end of my rope and the bank is raising the mortgage on XX/XX/XXXX which is after the Federal programs expire from what I 've been told ... I suppose me and my family will have no choice but to stay and fight when they come to evict us ... A sad epitaph for a former Elected Official and person who has ALWAYS PAID HIS MORTGAGE on time to a bank that was BAILED OUT with XXXX of Our Tax Dollars!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient employee told me on the phone I could do the XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) at the same time without issue. I asked TWICE if there was anything that was going to make me not eligible. The employee said everything looked great and I was on track. Once Navient transferred my loan to XXXX XXXX to complete the XXXX just after XXXX was approved. XXXX XXXX said that I had to start over on the XXXX because I had already been awarded the XXXX. I am only XXXX payments into the XXXX when I was closer to XXXX before. Now, when I finally meet the XXXX payments, I will be almost paid off anyway ( about 6 months away ). This information about XXXX and XXXX is a little better explained NOW but a couple years ago when this happened it was not. I even talked with financial aid counseling and no one caught it until it was too late. The employee at Navient was not honest and I am literally PAYING for it. Anytime I try to write a letter to XXXX XXXX, they ignore my complaint and only say that I have to continue paying my loan to be eligible for the XXXX. The XXXX is not helpful to most XXXX anymore because the cost of college has gone up significantly. It should be either removed or allowed to be done with XXXX. Why not? If it 's going to be forgiven anyway, why ca n't it be done at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: SYNCHRONY FINANCIAL
State: AZ
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:
{$2300.00} Reported balance SYNCB/SYNCHRONY MC Account should be at {$0.00} balance.

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 2020-06-17
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/2020 Good will interventions. 

Account is not mine. 

{$6000.00} Monthly payment. 

{$7800.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protecte

d Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMAND
S the following below : Account Name : PORTFOLIO RECOV ASSOC Account
Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: TX
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:
was trying to purchase a home and pulled my score. notice some hard inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account number XXXX Collection opened XX/XX/2020 Account type Collection Payment Info Original balance {$1300.00} Balance {$1300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I used AMEX online chat comfrim I have offer spending {$4000.00} and I will get XXXX XXXX XXXX when I add additional card. I added additional card at XXXX XXXX atfer I spend {$4000.00}. I didn't recived any points. I check every month and online chat with they customer service. every time they let me check with 8- 12 weeks. until today I talk to customer service again. this guy told me the case was closed XX/XX/22. and they tagged as a Non-Amex error. 



Case ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2016-07-12
Company: BB&T CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I recently received a fee for an item that was paid XXXX/XXXX/16 from my Bank BB & T, even though I had and still have more then enough in my checking account to pay the check. The system in which BB & T executes their overdraft fees is very suspicious. 

The person at customer service at BB & T said I received the fee because on XX/XX/XXXX the check was sent for payment. Not only did I have enough in my account to pay the check, but I also had a cash direct deposit that morning and another XXXX/XXXX/16. Throughout the weekend I used my debit card watching to make sure the funds were still available and even made a deposit Saturday morning just in case. The banks methodology is that throughout my transactions that weekend, all of my " debits '' worked against me and I did not receive credit for my deposits reasoning their over draft fee but that seems very in genuine ; all while not being notified that a check is posting to my account. Instead it posts 3 days later along with an overdraft fee. 

First, if the bank wishes to apply the charge on XX/XX/XXXX rather then XX/XX/XXXX I feel that should have been reflected on my account that day and not XX/XX/XXXX, since, as stated my account could handle it. Hiding this information has no real substance other then keeping the consumer in the dark in order to have them slip up. Also, their " voodoo '' accounting of what counts for that day and what does not sounds very heavy handed in order to reach an outcome in which they profit. As their customers, we deserve some visibility to situations happening with our accounts, and deposits should carry as much weight as debits, even if they are " pending ''

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 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XXXX XXXX, 2008, Countrywide Home Loans , Inc., a subsidiary of Countrywide Financial, sold Countywide Home Loans Servicing, another subsidiary, to NB Holdings, another subsidiary that was wholly owned by Bank of America Corporation. Bank of America Corporation paid Countrywide Home Loans , Inc., for this sale by issuing it a note for XXXX. Countrywide Home Loans Servicing was the actual subsidiary of Countrywide, that serviced almost all of Countrywide 's mortgage loans. 

Bank of America Corporation assigned a mortgage without the note twice to its own foreclosure department by hiring and using XXXX XXXX, XXXX to twice to fabricate XXXX Assignment of Mortgages within six months of one another, which is impossible to FOR VALUE RECIEVED to happen twice, when supposedly the FOR VALUE RECEIVED already transpired. 

Open both attachments!!!

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 2022-04-19
Company: Experian Information 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:
Experience has been giving the law a thorough breaking. 605B of the fair credit reporting act clearly says what the CRA should should do when identity theft is claimed. In subsection A, The law says I have to provide 4 items. 1. Appropriate proof of my identity. 2. A copy of an identity theft report. 3. That myself the consumer identify the fraudulent items that need to be removed from my file. 4. My statement that I did not derive any benefit or caused any of the blocked accounts to be opened. The CRA must block the items I identify in 4 business days or less.

Subsection B- the 2nd part of 605B says the CRA is supposed to notify the furnisher of the information that they're blocking that their reported item has been blocked and it stemmed from identity theft. 30 days to reply.

Subsection C, The 3rd part of 605B, Gives the CRA, 3 reasons where they can rescind or decline a block of information. 1. Error 2. Materially false information from me to request the block. 3. Proof that the consumer received goods, services, or money from the blocked transaction. This law MUST be done in order of A, B, C. Experian refuses to obey the law entirely. They never block in 4 business days or less upon receiving my documents as the law states. Experian acts ABOVE congress and the law, they rewrite the law to fit their breaking of the law. The courts said I need to give Experian a right to remedy. This is it. I will send my NC driver 's license, ss card, the XXXX with the fraud items to be blocked immediately and my state herein. They have 4 days to block here.

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 2022-07-22
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This medical collection is a result of fraud and identity theft. I have never been a patient of XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX and South Mississippi Collection Services several times via XXXX Mail and via telephone. Upon speaking with South Mississippi Collection Services I was instructed to contact the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX, and spoke to a manager by the name of XXXX XXXX, upon speaking to XXXX XXXX and explaining to her that this collection was a result of fraud and identity theft, and providing a copy of my FTC identity theft report she provided this information to South Mississippi Collection services, and they promptly removed the collection, a few months later the collection was reinserted on my credit file. I reached out to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  again to rectify the situation a second time and was told that the collection was " verified '' even though it was not. I asked for proof of said verification and nothing was provided. Despite the fact that I provided a FTC identity theft report and affidavit of truth. Also XXXX has failed to block/delete this collection from my consumer credit report within four business days of receiving the FTC identity theft report. XXXX has also failed to show proof that this medical collection is verified/legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
While applying for a personal loan in XXXX XXXX, it was discovered that Bank of America never released the lien on my mortgage. According to the letter they sent me, this should have occurred in XXXX XXXX, when I switched to XXXX XXXX XXXX XXXX. After numerous phone calls from me, I was given a request # XXXX. Bank of America eventually determined that XXXX XXXX Mortgage, who had previously held my mortgage, was out of business and Bank of America was trying to get someone to sign off on my loan. I have been calling weekly and waiting for something to happen ever since. I have been given several names of agents supposedly in charge of my case ; the names change frequently. The latest name I was given on XXXX XXXX, XXXX was XXXX XXXX, but other names I 've been given are XXXX XXXX, XXXX XXXX and XXXX XXXX. However, I 've been told I can not contact these people directly. My message is supposedly passed on by whichever operator picks up my call. Considering I 've never spoken directly to any of the these people, I have to wonder. It has been extremely frustrating dealing with this bank and as of yet, the lien is still not released. It 's a good thing I was n't waiting to sell my house tomorrow. It has been XXXX months and I 'm still waiting!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief