BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with Bank of America ( BOA ). in 2012 BOA agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. 

I request all late payments be removed again ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXBank of AmericaMortgage - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have been with Navy Federal credit union for five years and paying my bills through bill pay and now they are taking a {$1.00} without even letting me no they where charging a fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Attempted to modify loan back in XXXX, local branch manager only wanted to give a .5 % lower interest rate which did not make sense to pay settlement fees for .5 % lower rate. Bank encouraged to have loan go into " default '' for a lower interest rate modification. Would not respond to requests, written, in-person, etc. 2 years went by and over {$140000.00} in interest was tacked onto loan. We have attempted countless times to settle this. We spoke with the loan modification department XXXX XXXX, XXXX and were told the legal department would contact us within 20 days, here it is 5 months later and still nothing. Received a letter stating such to no avail. The last regular payment made was XXXX XXXX, XXXX. We finally agreed to BofA terms in XXXX so that the property would not be taken from us. However, the interest on this loan should not be our responsibility since we attempted countless times for the loan to be modified. " Missing paperwork '', " paperwork not complete '' " missing documents '' etc. was always their answer. We were so frustrated with the lack of unprofessionalism and lack of response, that we agreed to something that was not fair. We have every single letter and call documented. This is the 2nd time filing with cfpb, the original request was closed because Bank of America stated that my mother and my fiance were not authorized to speak on my behalf however, I have written authorization from Bank of America giving them the permission to speak on my behalf.

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 2015-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
bank or credit union must give you at least 30 days ' notice before adding a new fee or increasing an existing fee. after I paid off my mortgage with Bank of America, my bank started charging me for my checking account {$25.00} per month without notice for 3 months. as I asked for refund, the rejected my request. Please review that chat session when I tried to get my money aback and the BA representative refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has engaged in fraud in overcharging me for Homeowners insurance : The charges added to my mortgage are roughly 400 % higher than the actual costs of insurance, the overcharges are as follows:XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXXPlease help. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My auto loan is paid 3 months ahead but 2 months ago the bank decided to set up autopay without my permission. Took out a monthly payment from my account and couldn't refund me the payment back to my personal checking with a different bank. Yesterday they did the same thing but I didnt have money in the checking account so now I have a fee with them and my personal bank again, penfed doesnt want to refund me the fee from my personal bank checking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
called XXXX XXXX XXXX  end of XXXX, beginging of XXXX requesting Covid assitance. was told XXXX payment would be waived, and next payment due XX/XX/2021. Advised rep that i would pay account off end of XXXX. rep stated that was fine, but would have a late fee if not paid by due date. was also advised by rep that payment would need to be paid prior to XXXX due date to not be reported late. Payment made XX/XX/XXXX, paying account off. received notice in XXXX account was reported 30 days late for XXXX payment. XXXX  refused to correct the error even though payment was paid within 30 days of due date. also still reporting balance due on credit reports, and late when XXXX statement shows payment paid, {$0.00} account 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 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
my identity was stolen from Bank of America supporting documents show this info.

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 2016-05-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am a XXXX and I have been trying to apply for an Income Repayment Program through the XXXX XXXX XXXX XXXX loan XXXX program. I consolidated my loans with XXXX and I am unable to pay the monthly amount. I heard that I qualify for XXXX from my military service, but the XXXX XXXX 's XXXX in XXXX has been contacted several times about my loan from XXXX. My XXXX XXXX XXXX XXXX was disbanded in XXXX and the moved to XXXX in XXXX CA and they lost my information. I have my information and from XXXX XXXX and need to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: The CBE Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
could you please check the account in collection? I do n't think it mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to Jefferson Capital. Jefferson Capital accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a 60 day period in which Jefferson Capital agreed. I called Jefferson Capital, LLC back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from XXXX ( XXXX collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, Jefferson Capital, LLC. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: SC
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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX Years ago XXXX XXXX bought a house. BOA 's lawyer made an error and added me somehow. They gave me 50 % ownership without my knowledge. When they discovered it and SUED ME this summer, I signed off within XXXX hours. My signature appears NO WHERE on their documents. Today I received notice they have hired the law firm of XXXX XXXX to sue me for the balance owed on a HOME I NEVER BOUGHT! XXXX XXXX convinced your offices they had fixed this mess but he did NOT. The home was discharged in a bankruptcy XXXX years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 between XXXX and XXXX. Received call from XXXX number after text alerting to suspicious activity on the account. Person said XXXX  transaction had been approved and in order to get it back I would need to send it to myself? Stupid. I was half asleep. Person was polite but definitely coercive. Followed instructions to add myself as recipient. I thought, since this is my name, my number, my account, the money will just go right back into my account. Amount was for {$3200.00}. Person made it sound like no matter what I would be out that money and the only hope I had to keep it was to send myself the . Anyway, I called XXXX immediately after to confirm. They were unable to confirm, said that the scam has been prevalent and I filed a claim with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX in XXXX, MA and graduated in XX/XX/XXXX with a XXXX in XXXX. I have XXXX outstanding XXXX XXXX ( now Navient ) " Smart Option '' loans and the six month grace period has ended. The principle & interest payment of {$850.00} have now come due starting XX/XX/XXXX, this payment is based on a 10 year payback term ( I believe ). I have contacted Navient in an effort to discuss repayment options available to me and was told because of the type of loans I have, I can not be considered for an extended repayment. The only program that I could qualify for is a temporary rate reduction, which will only reduce the monthly payment to {$670.00} for 15 months. I feel that it was not made clear to me back in XX/XX/XXXX when I took out the first Smart Option loan, that this type of loan would not be eligible for any time of extended repayment plan. I thought by choosing a loan where I paid a small monthly payment while I was in school, it would help pay down the interest a little bit and reduce the monthly payment. It seems I 'm being punished for making monthly payments while I was in school and now that I 'm out and only earning a low salary, I have no options to extend the repayment terms. I 've spoken to supervisors and a manager at Navient and have n't been able to make them understand that a temporary rate reduction or a forbearance will not solve my problem. My main concern is that XXXX XXXX did n't make it clear that by choosing a Smart Option loan your repayment options at the end are extremely limited. I was told that the original promisory note that I signed states that it is a fixed payment but my understanding was that they were referring to the $ XXXX for each of the XXXX loans during the time I was in school. I feel that XXXX XXXX demonstrates deceptive and unfair loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just went to pay my mortgage payment. I do it using a online system, was surprised to find my mortgage not there. When I called I was told my mortgage had been sold. To my knowledge I was supposed to be notified 15 days prior. I have no clue who owns my mortgage now and who I pay. I have never been late in five years of owning this home loan on XXXX payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: MO
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:
XXXXXXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXXXXXX XXXX ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. 

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

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 2017-04-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   an entity that does not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from  XXXX   XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX  , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership.   I have prepared a document called CFPB complaint the   XXXX   XXXX   XXXX   XXXX   and Exhibits which I would upload making my complaint clearer.   I am uploading documents to the complaint which will give the true picture of what has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last XX/XX/XXXX, I recieved an email from PayPal that my account was banned and permanently limited. That email says I violated the user agreement and accepted used policy of their company such as involving in illegal activities like gambling and lottery tickets with prize and fees and others. 

But I did not violate that policy as I am a financial adviser online who receives only payments from my clients and some from my friends. I never do such gambling or any other illegal activities like PayPal says and accused me of. 

I have my transaction history from my account showing my activities and all of money transactions that I have done since I created my account as a proof that I never received money from an illegal platform and from gambling. 


Few months ago I tried " online XXXX XXXX  '' app as my extra income it is a legit app where in they pay their users for watching adds. And I think this is legit and legal as this app is not a gambling sites and doesn't have any fees even single cents. They earn money from the adds that their users are watching and they share their profits to their users as payment. 

I hope PayPal understand it and give me a second chance to review and restore my account.

It's okay to me if PayPal hold my balances for 7days-21days because I understand that they need to be more careful in every transactions and need to verify it, but putting a permanent limitations in my personal account is so much as I didn't violate any PayPal rules. Maybe it is a system error or something but I hope I restored my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Representatives from Navient continue to call and harass me about my daughter 's student loan. It is not my loan and I am not a co-signer on the loan. The most recent call was XXXX from a woman named XXXX she left the number XXXX XXXX XXXX. They call me at work and at home. I have asked them to stop calling me but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
- XXXX accounts show late even though I have proof from XXXX that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to XXXX  and transunion but they've done nothing to update this - XXXX account shows my full balance owed on the account but I've already fully paid and closed out the 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 explanation
Consumer complaint received 2016-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted documentation to the short sale Deed in lieu ( DIL ) specialist/ Veteran Affairs deed in lieu point of contact appointed by Bank of America ( BOA ) in XXXX 2011. I subsequently received and submitted notarized paperwork from the BOA attorneys working to complete the DIL. The expectation was that I would receive a final no further contact in form of letter when process completed, however I would receive 1 ) a release of the title ; 2 ) cancellation of the mortgage ; 3 ) record release of the mortgage ; 4 ) report cancellation of mortgage to credit reporting agencies as deed in lieu of foreclosure ; 5 ) report cancellation of debt to IRS ; 6 ) and final settlement paperwork upon request. I only received the XXXX IRS tax documentation with regard to the DIL. I did not receive my receive any of the other agreed upon items and when I requested the final settlement paperwork the attorney denied I had completed a DIL. Subsequently, I had the loan sold to another bank and the property was foreclosed after repeated attempts to complete DIL 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
- XXXX accounts show late even though I have proof from XXXX that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to equifax and XXXX  but they've done nothing to update this - XXXX account shows my full balance owed on the account but I've already fully paid and closed out the account

Company response to consumer: Closed with explanation