BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a complaint against Bank of America for Dual tracking. They have been in receipt of my modification application for some time and have done nothing with it. They acknowledged full receipt of a modification application yet continued to file a foreclosure neglecting dual tracking requirements. They are in clear violation and need to be held liable for their actions.

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 2015-04-07
Company: Navient Solutions, LLC.
State: NY
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:
For at least XXXX year, XXXX payments on my student loan have been reversed, with no notice or explanation. I have called the student loan company several times and asked for detailed documents showing my payments and resulting balance due. I have not received the items requested. I have been told both by collections and customer service that they can only submit another " research request '' but can not explain the reversals or offer any documents showing that my loans are being paid down. Consequently, I believe that my loans are not being paid down. I am constantly being called by the company and asked to submit payments, which are then reversed. I need someone at Navient or XXXX XXXX to give me a full explanation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: ALLY FINANCIAL INC.
State: OK
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I had a collection filed on me for a loss of the car it says that it was charged off years ago but it showed back up as collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: AES/PHEAA
State: TX
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:
My student loan is being reported on my credit report from multiple servicers due to being sold from one financial institution to another and it is showing on my report as if though I have many outstanding student loans loans ... I am disputing as Duplicate reporting of trade lines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: RWLS Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
RWLS XXXX LLC bought my mortgage from XXXX maybe XXXX or XXXX Companies ago. XXXX XXXX Mortgage was working on a modification of the loan and a reduction in principle. The problem with the proposial was it required a large down payment it was suggested a smaller down payment with different terms. The property was set for sale XXXX XXXX 2015 and in the XXXX they stated that that RWLS would not approve any modification and the property would be sold. I later received another assignment of transfer to XXXX XXXX mortgage company and in mid XXXX I received a statement from them the reenstatement amount was XXXX and the date to pay had passed and no other representative would discuss the matter. On XXXX XXXX 2015 I received a 3 Day notice to vacate the premises from XXXX XXXX XXXX still listing RWLS as the Lein holder. I am not an attorney but something is not right. I believe there is a process and dont believe it is being handled correctly

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have been contacted by mail from XXXX representing National Collegiate Student Loan Trust on XX/XX/XXXX. They are asking for balances of {$26000.00}. This is the same company that tried to collect from us back in XX/XX/XXXX. These are loans obtained while attending school. Not student loans. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. According to a letter sent to us and a phone conversation from XXXX XXXX regarding these loans I nor my husband XXXX XXXX owe anything to NCSLT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Pinnacle Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The original creditor was XXXX XXXX, the debt had been disputed several times to XXXX as a fraudulent account and never resolved. XXXX wrote off the debt and it was purchased by a debt purchasing company. I was never contacted about the debt but it appeared on my credit reports. I have continuously disputed this account and it has not been removed. In XXXX I contacted XXXX directly, they sent a request to the credit bureaus to remove the debt because it did not belong to me but because it is being reported by this debt purchasing company it has not been removed. I called Pinnacle the company reporting this debt and was informed they are not managing the account another company XXXX XXXX has acquired the account, but Pinnacle continues to report it to the credit bureaus. When I contacted Pinnacle directly they told me to contact XXXX. When I contacted XXXX they were rude and refused to give me any information or send me any information. I have continuously contacted all XXXX credit bureaus over and over again disputing this record and it still has not been removed or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: MFP, inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has added several medical collections to my credit file, I have disputed and requested validation. I feel this is inaccurate data and request validation

Company response to consumer: Untimely response
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My grandmother and I are co-borrowers of a student loan originally from XXXX XXXX. The repayment process has been treacherous for lack of a better term. My grandmother who is XXXX has been receiving multiple calls from different numbers and received numerous letters threathening to garnish her social security check which is her only source of income. I was sick and ran into issues getting a permanent job. I got one 2 years ago but they put my loans into default witn no ways of negotiation to catch up with the exception of them trying to charge me {$400.00} for a repayment program which was entirely too much especially since the payment was more than a car note. Now my grandmother and my credit is shot. If it was just a better way to repay a student loan without having to feel like you made a huge financial mistake just to get a good quality education.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In 2012 I was contacted by Bank of America & the IRS indicating that I was being held responsible for an uncollected debt. That debt about of {$2800.00} was sent to the IRS and as a discharged debt for account # XXXX at bank of America. The IRS took the discharged debt as income for the 2012 tax year. Since then, I have provided the IRS will all the documentation showing that debt was n't discharged, it was a checking account that was turned over to attorney 's and I was sued for the entire amount which was paid in full. I provided all the documentation showing the account number, the amount and the attorneys that I paid the debt off to. They even provided a letter a satisfaction when the debt was paid in full. I made several attempts to provide this letter to the IRS ; however, I was advised to handle the matter with bank of America so they can notify the IRS of the Error. I have made several attempts for bank of America to correct the situation however they are n't owning up to their inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: SC
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:
They withheld information. My loans were consolidated with XXXX and a few days later, I started receiving mail from Navient saying my loans without my permission. Also, in XXXX I received a call from XXXX XXXX saying they were about to garnish my wages because my loans were in default. Never in my life have I allowed this to happen. They actually left my apartment number off the address. My phone number was the same number I had since XXXX, so I 'm not sure why I was never called until it was too late. I then had to pay almost {$100.00} for 9 months before I could go back into a repayment plan. This website will no allow me to submit the complaint using the option 'Getting a loan ' option. Taking me to XXXX page on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went in person, to open a new account with US HSBC. They had a promotion for opening a new HSBC Choice Checking, Advance, or Premier Checking Account. It was explained to me, you would receive a {$350.00} bonus if you signed up. They did not inform me of any other obligations nor did I had to sign off on any terms. I went ahead and signed up, and never received my bonus. When I complained, Customer Service informed me later there is an obligation to get that bonus. But it was never in writing, so I wish to issue a complaint about the bank. This is false advertisement on their part and do not want this to happen to others too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Credit card
Issue: Sale of account

Complaint:
I had a credit card with XXXX and filed Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. However, some creditors were left off and an Amended Schedule and Certificate was filed by my attorney in XX/XX/XXXX. XXXX was included and notified. 

In XX/XX/XXXX they sold the debt to Midland Funding which has refused to acknowledge the debt was settled in bankruptcy. I have given them the documents three times and spoke to them on the phone. One Midland Funding employee told me the bankruptcy document needed to have Midland Funding on it. That is complete stupidity. 

They have reported it to all XXXX credit bureaus and keep verifying it so that it ca n't be removed because they bought it in XX/XX/XXXX. XXXX should have never sold it to them. This company is in violation of the US Bankruptcy laws and FRCA. I have reported them to the Kentucky Attorney General 's office. 

If it ca n't be resolved then my next step is legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: XOOM CORPORATION
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I got 2 emails today one stating I had authorized a transfer to XXXX XXXX for {$100.00} ( XXXX seems to be their fee ) thru a company named Zoom and the second one cancelling said transaction. 
I did not do neither. I never sent the money to begin with and now I 'm very concern because despite the fact it was cancelled these people had my information and when I called this Zoom place I was placed on hold and then passed to a 'verification ' office were a person named XXXX wanted my personal information and when I did not want to give her my personal information she said that without it she could not help me. 
I need to make sure my information is safe and to know how this people got a hold of my information Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
My husband and I have reached a hardship with are income and we have gone to are creditors to reduce payment by lowering the interest rate. All of them have agreed. Except Bank of America. They have refused to lower the interest and sent me to an outside source who also will not help me.I am XXXX years old and it has very difficult talking to the bank, they have not been helpful, they are confusing and their tactics are intimidating. And extremely disappointing since I have been a customer for over a decade. Their letters are false and deceiving, and they have strung me alonging saying they are here to help. They have destroyed my credit rating, and my XXXX is now in jeopardy. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: LEXISNEXIS
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested my " Full File Disclosure/Credit Report '' from the company Lexis Nexis ( a 3rd Party Credit Reporting agency ) and discovered they are reporting a derogatory item, the derogatory item they list on the report is a " Bankruptcy '', under my name. I sent XXXX XXXX, ( who Lexis Nexis reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Lexis Nexis received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. Lexis Nexis has not responded to me with a decision, not reported my dispute and they have not responded to me with any action. This " Bankruptcy '' that Lexis Nexis has a record of is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores and credit granting abilities negatively. I want this " Bankruptcy '' removed. Lexis Nexis failed to respond in 30 days of my letter and did not provide me with any competent verification of this " Bankruptcy '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the " Bankruptcy. '' I will file separate complaints with CFPB if necessary. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Social Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied and was approved for a loan from SoFi on XXXX XXXX. Signed and submitted the acceptance paperwork on XXXX XXXX. Since then, every employee has given me a different story on when the funds will be in my account. I 've been told on three different occasions the funds were ACH 'd into my account and would be available in a few business days. I was given other deadlines by two additional employees for when the funds would be available and those, too, have came and passed. The customer service representatives have no more information available to them than I do when viewing my application online, and I 'm being told that the fate of these funds is in the hands of a funding department that no one can contact, has access to, or has a phone number for. A supervisor was supposed to get me a transaction tracking number and call me back, she never did. I spoke with another supervisor who told me the funds were approved XXXX XXXX, and I have yet to see them. At this point I think I was the victim of a fraudulent scam aimed to obtain personally identifiable information from consumers. The interest rate on my acceptance paperwork is actually higher than what I was approved for, and that paperwork says I have a payment due on XXXX XXXX, even though I never received a dollar from this company. At the very least, this is an inefficient, misleading, and dishonest company who flat out lies to consumers. Worst case scenario, it 's a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a customer of Xenith Bank which is merging with Union Bank and Trust. 
I use online banking to pay my mortgage and other bills. 

During the change from Xenith to Union, the dates on my auto payments were changed without my consent. They acknowledge that my mortgage payment of {$1200.00} was supposed to be made on XX/XX/XXXX. Instead, they made the payment on XX/XX/XXXX without my consent. This is before my pension on XX/XX/XXXX will be deposited. 

This payment has caused my account to go in the negative by {$720.00}. They have apologized but since the money has been sent out, they will not redeposit it. When my pension is deposited that negative will be covered. But until then, I have no money for living expenses. They refuse to help with that and will not redeposit the amount inappropriate taken out.

I contacted them on XX/XX/XXXX about this and was assured the money would remain in the account and to " relax, have a good weekend, and don't worry about this because the money will remain in your account. '' Today, XX/XX/XXXX, I found that was not the case and the money was taken out, again without my consent. I have no money to live on for the remainder of the month which is creating problems for me.

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 2015-08-13
Company: Stellar Recovery, Inc.
State: GA
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:
I called the original company who I had the debt with and was told I was no longer in their system and I should call the collection company. I called the number listed on my credit report for XXXX Collections but the number was no longer in service. Then, I noticed that this same open collection with XXXX was closed in XXXX 2015, on my credit report. I have never received any calls or letters from XXXX. I would XXXX to see if this can be permanently removed from my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Praxis Financial Solutions, Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX XXXX XXXX from PRAXIS FINANCIAL SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has repeatedly called my place of employment even after being informed not to call my place of employment. 
XXXX XXXX fails to identify himself as a debt collector and just gives his first name and asked to talk to me. 
I informed XXXX XXXX that we had already informed him that he was not to call my place of employment, he denied ever calling my job before. 
XXXX XXXX will not inform me what he is calling about unless I disclose personal information which I am unwilling to do to anyone over the phone. 
XXXX XXXX manner conversation manner is to talk over you and to repeatedly ask you for the same information, he will get a very aggressive tone as to try to intimidate you into complying with his demands.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: FIRST HORIZON BANK
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
On a monthly basis First Tennessee/First Horizon currently ( as of XXXX XXXX ) continues to report late payments to my credit bureaus, for a Home Equity Line of Credit Mortgage loan that was charged off by First Horizon in XXXX. I have repeatedly disputed the accuracy of the amount of the balance that First Horizon has been reporting and requested them to provide closing documents that demonstrate the disbursement of funds to reconcile this balance. First Tennessee has responded by informing me that it is not their responsibility to provide these documents and they have stated that they did not distribute funds at the closing, that would have been done by the title company. The mortgage company that was directly involved was First Horizon Home Mortgage, which is a subsidiary or affiliate of First Tennessee. The title company directly involved in the closing was XXXX XXXX, which was brought into the transaction by First Horizon. I have attempted to track down the requested disbursement of funds documents by contacting XXXX XXXX ( this company is no longer in business ) and First Horizon in XXXX, MI ( this company is no longer in business ). The State of Michigan XXXX shows that First Horizon had not had a license since XXXX, but did show as an affiliate of First Tennessee in XXXX ( eliminating the requirement to be licensed through Michigan ). The closing with First Horizon that is being referenced occurred in XXXX of XXXX. As I have been in contact with First Tennessee attempting to reconcile the balance, they confirmed that First Tennessee closed all of the First Horizon offices in Michigan, but still refused to provide documentation related to the disbursement of funds during this closing. In conversations with First Tennessee, representatives have failed to even acknowledge the first mortgage that was a part of this transaction. This is important because the first and a portion of the second mortgage account for the dollar amount that was due to XXXX Bank ( holder of the loan at the time of the closing ), that are not being accounted for, in addition to other fund disbursements that First Tennessee is not accounting for. The route cause of this problem is the fact that First Horizon suggested that this transaction be completed by splitting the mortgage into a first ( mortgage ) and second ( home equity line of credit mortgage ) to avoid having a " Jumbo '' loan. I have since found out that the total of the loan in question would not have been above the amount that would have qualified as a " Jumbo '' loan had it not been split into a first and second.

Company response to consumer: Closed with explanation