BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am a victim of Mortgage Loan Fraud at the hands of Countrywide Home loans as lender and Bank of America as Servicer. Bank of America is guilty of trying to steal my home via a home loan modification. They have broken XXXX Federal laws under RESPA Servicing Rules under RESPA XXXX and Prohibiting Unfair, Deceptive or Abusive Acts or Practices XXXX and Loss Mitigation Procedures, Deficient Acknowledgment XXXX XXXX XXXX XXXX. Instead of acknowledging my request for help, they fraudulently and unlawfully obtained a summary judgment through XXXX XXXX, FL Court to get a sale date on my home. The sale date was cancelled, however, the summary judgment still stands. Through my own research, I have also discovered that Bank of America is guilty of Fraud, Fraudulent Misrepresentation, and Misconduct. The purported assignment of mortgage which was executed three ( 3 ) years after I purchased the " property '', and six ( 6 ) years after the Bank XXXX as Trustee for the Certificate Holder 's XXXX, XXXX XXXX XXXX Certificates, XXXX XXXX trust was closed. This is a violation of the Pooling and Servicing Agreement as by law the securitization process of the " note '' must be completed within 90 days and before the trust closes. " Borrowers have standing to challenge void assignments of their loans, even if they were not a party to or a beneficiary of the assignment affecting real estate contracts ''. XXXX v Bank of America, XXXX al. 
The notary ( XXXX XXXX XXXX XXXX signature on this assignment is forged ( robo-signed ) which is a felony and renders the assignment of mortgage invalid with a clear break in the chain of title. My injuries are a direct result of the invalid mortgage assignment which also renders the loan modification agreement between myself and Bank of America dated XXXX XXXX, 2012 void. There was no " loan '' to modify in the first place. According to Title XLI XXXX, Fraudulent loans are void. 
Bank of America is also guilty of criminal deception by executing a purported mortgage assignment that is in fact invalid and always was invalid and recorded such with the Florida XXXX XXXX XXXX on XXXX XXXX, 2012. According to Florida Statute XXXX XXXX XXXX XXXX it is ' Unlawful to file false documents or records against real or personal property '.

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 2020-05-11
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On my XXXX statement for my Comenity Capital Bank XXXX XXXX card, my promotional balance was XXXX to be paid in full by XX/XX/XXXX to avoid paying interest. My minimum payment due by XX/XX/XXXX was XXXX. I paid the {$56.00} on XX/XX/XXXX. I paid an additional {$100.00} on XX/XX/XXXX. I called on approximately XX/XX/XXXX and asked for the {$100.00} to be allocated to my promotional plan. The representative said I had to wait and call in about a week. I called about a week later and asked for the {$100.00} to be allocated to my promotional plan and was advised it had been done. I looked online a couple days later and didnt see a change. I then received my XXXX statement. The payment for {$100.00} was there but my promotional balance was now {$260.00}. Only {$10.00} from my minimum payment due had been applied to the promotional balance. My {$100.00} payment had not been allocated to my promotional plan. Had it been applied, my promotional balance would now be {$160.00}. My minimum due on that statement was {$52.00} due by XX/XX/XXXX. On XX/XX/XXXX I submitted a request in writing throught the websitess Secure message center asking for the {$100.00} to be appled to my promotional balance. I have yet to receive a response. In addition, I called back again and spoke with a manager and asked that the {$100.00} be allocated to my promotional plan. He stated it was previously done incorrectly and had been done correctly now. He then told me an amount to pay before my next statement to pay off my balance. On XX/XX/XXXX, I paid a total of {$220.00}. This was to cover the corrected promotional balance of {$160.00} plus pay XXXX, which included my minimum payment due. I waited for the promotional balance to be reduced online and it never was. I called XX/XX/XXXX and was advised that I would not be able to see a reduction in my promotional balance until the statement cut and to check the balance on XX/XX/XXXX. I checked the balance on XX/XX/XXXX and my promotional balance was reduced to {$87.00}. This new promotional balance reflects {$10.00} applied from my minimum payment due and the extra {$160.00} from the {$220.00} I paid on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with a manager asked that my {$100.00} be allocated to my promotional plan. She advised that there was nothing she could do as they werent able to go back that far to move the money. She told me that if I pay my new minimum payment due plus the {$87.00} by the due date, it would pay my promotional plan off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have almost XXXX in student loan debt through Navient, previously XXXX XXXX. Several times over the course of my loan since my attendance for graduate school they have continued to increase my payment though I do not have enough income to pay such large payments with XXXX other student loans I pay every month. It has gotten to the point, when I called today, that they will not lower, reduce or settle my payments from almost XXXX/mo because I have a consigner and they show he can pay. They constantly call and hang up with both me and my parents. XXXX us into making payment saying they will 'find a way to get the money they are legally owed ' and told me that even though it is my loan, they show that I can not pay that amount every month, that unfortunately my father can according to their records so he will have to pay it. As you can imagine my father is no longer speaking to me as a result of this disillusioned student loan debt fiasco. No one will give me a loan so I can get them off my back for that amount. They are n't willing to settle one without both. They basically tell me I have no other option but to pay. The way they have spoken to me on the phone and told me it 's pretty obvious I ca n't afford it but that 's too bad my dad can. But they ca n't either. It 's an unrealistic request. On top of that, I have paid on good faith for a long time, they were never willing to release my father as a consigner though their website says after a year of good payments they will with a request. I have filed bankruptcy, I have tried to negotiate, I have called and tried to continue paying on time, now with the recent call today and their cruel attacks at my payment issues and telling me that 'obviously I need to get a second job to pay them. ' Has me at my last rope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland funding held an old XXXX XXXX account was paid XX/XX/2019 I was told it was closed. 

I was promised a clearance letter would be mailed XX/XX/2019 that I never received. 

The account is has been put on my credit report again negatively and now showing it as a charge off. 

Ive attached the payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I attended a Free Dinner/Seminar provided by XXXX XXXX XXXX on the topic of XXXX. At the conclusion attendees were invited to attend a screening at their Offices for a {$79.00} fee. I attended this screening/interview with one XXXX XXXX, XXXX. ( the other Company Principle is XXXX XXXX, XXXX. ) I did not find out that they were XXXX  's and not XXXX  's until a few days later. Mr. XXXX repeatedly, with expertise, insisted that their program would end my XXXX XXXX XXXX XXXX XXXX I told him that I was a XXXX XXXX XXXX over 10 years ago and had not been tested for the last 5 years. I was assured that I could OPT Out of their Program and be refunded. I agreed to sign up for their program on that assurance by Mr. XXXX.I also mentioned that I had to wait 4 months for an Appointment with my newly assigned XXXX XXXX   Doctor and the AppT was on XX/XX/2020 and he ordered an XXXX XXXX  at that time. I received the XXXX XXXX   results on XX/XX/2020 and the Test revealed that I was not XXXX!! I went to the XXXX Office on Monday XX/XX/2020 and met with Mr. XXXX and informed him of my intent to cancel and he accepted and said he would notify accounting. I signed a form that I would Quit the Program See Encl ( 1 ). 
According to XXXX the Total Cost is {$14000.00} and I Paid a Deposit of {$2000.00} which leaves a Net Balance of {$12000.00}. See Encl ( 2 ). 
No refund of the Net Balance has been applied BUT XXXX XXXX XXXX DID REFER the Net Balance of {$12000.00} to a Finance Company named GREENSKY as a DEBT in my name!!! See Encl ( 3 ). 
I am a XXXX year old XXXX  United States XXXX and have received daily Phone Calls from GREENSKY, also Billings and Emails. Do not do MEDICAL business with XXXX!!!!!!!

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 2020-05-11
Company: Experian Information Solutions Inc.
State: IL
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 requested validation and verification of a bankruptcy with XXXX, that has been reporting to the Experian and XXXX credit bureaus. After 30 days I received a response from XXXX XXXX stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse via mail to verify if XXXX XXXX verified with them. I received a letter from the court clerk stating THEY DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

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 2020-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
under ID # XXXX filed XX/XX/XXXX with the CFPB I had complained about difficulties in Communcation with Wells Fargo.I was not requesting forebearance and made a full payment ( P & .I. and escrow ) for XX/XX/XXXX .After discussions with XXXX XXXX of the excutive office of Wells Fargo , I made a payment of Interest only plus Escrow ( {$1600.00} ) by EFT on XXXX XXXX towards the XX/XX/XXXX payment.This payment was made pursuant to a telephonic communication with A Wells Fargo Executive Resolution Specialist with the Consumer Care and Recovery Group.Also with the " Executive '' office.I received a confirmation # for such payment ( XXXX ) .My conversation was recorded by Ms XXXX XXXX , the agent with whom I spoke.At that time I asked to speak with Ms XXXX ( since I dialed her extension,XXXX, but ahwe wqas otherwise occupied. i specifically stated that the payment dhould be applied to Int. & Esc,. and asked if i Should separate the payments >I was assured that one payment would be adequate.Today, Orally I was advised that the payment was not applied but would remain in ESCROW until I started making full payments and that " Everything would be put on the back end of the loan ( The entire payment of {$2100.00} ) I have just " Read '' that my time is running out. so I will continue my narrative in the next section ( Fair Resolution ) There is more to this complaint since this bank is dealing in a deceptive offering at resolution!

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 2016-06-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My loans with XXXX XXXX was transferred to Navient, since they came on with this company been a calling asking for some type of financial assistance, whether its forbearance, deferment, or income base payments, everyone gives you a different response and now my loans is 4 months late effecting my credit while other lenders have been of assistance. The representatives are rude, they continue to transfer to XXXX rep to another rep to another with no one who can give you consistent answer, its overwhelming and unfair to the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am the owner of a Bank of America Credit Card. I noticed in my statements that the Bank Of America added an {$1.00} fee to my statements. 
My card has a zero % interest rate. 
I called the bank on XX/XX/2020 at XXXX XXXX and asked about the {$1.00} fee. 
The banker responded that the fee was an interest. 
I asked the banker, to show me, on the statement where it says, i have to pay any interests if my interest rate is {$0.00} ( zero ). 
She referred me to the first paragraph of the statement where the word interest not fee is being used. 
in that statement it states that if I have a balance on my credit card that interest might be charged, it does not say that a fee might be charged. 
According to the Bank Of America representative there is no difference between an interest and a fee. 
On one hand, the statement says that i have a zero percent interest on the other i am being charged a {$1.00} fee because of interest. 
The Bank is intentionally misleading consumers by confusing the terms : fee and interest. It is also confusing consumers by not disclosing that so called " fee '' to consumers when they apply for credit cards. 
Bank of America is doing false and misleading advertisement. How can they advertise the credit card as a 0 % percent credit card when in fact they are charging interest by calling it a fee?

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 2020-05-12
Company: ERC
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 checked my credit and I saw some fraudulent things that need to be removed of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: The CBE Group, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I 've repeatedly contacted this company advising them to provide me with verification of debt. They repeatedly tell me that they are not required to provide such debt verification and that they sent XXXX out on XXXX XXXX. I 've advised them multiple times that I did not receive this letter they sent and they refuse to provide any other. I have advised them that I am not opposed to paying what I owe, once I receive the verification of said debt. They refuse to provide this information repeatedly. They have not provided this and refuse to offer a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
my wife and her friend traveled to XXXX, i obtained a bank of america travel rewards visa card with no international fees, i called the bank befour travel date informed of our travel plans so that i would not have any isues. sure enough first purchase the card is declined and being in a high end luxury fir store we are surounded by security cause they think its a stolen card??!! 5 phone calls to bank of america later and 5 humiliating trips bak to store nothing!!!!! so now my wife has no creditcard and limited cash!!!!!!

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 2015-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I have been paying down my Bank of America credit card for over one year and have not used it. The interest charge amount keeps going up instead of down even though my balance total amount goes down.The interest rate has been 19.99 % for quite a long time and has not changed. I am trying to pay it off and it seems that there is an error in their calculations. I have spoken with numerous representatives and they keep giving me the run around. 
Please help me resolve this matter, as it seems impossible to deal with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-11
Company: EQUIFAX, INC.
State: AR
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 recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report. XXXX/XXXX  XXXX {$700.00} XXXX XXXX {$3500.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX   XXXX {$320.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$220.00} XXXX  XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Nelnet, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft.

Company response to consumer: Closed with explanation