BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I had a few different forebearance agreements because I could not afford to make my payments and of course when the forebearance was over my payments were even higher than they were to start with and I would again start falling behind

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
It seems my lender ( Bank of America ) has asked me to start the repayment period for my Home Equity Line of Credit. It was my understanding that this repayment period was to start at the end of 2017. Upon asking for a copy of the loan agreement the lender has mailed me six copies of this agreement but non are legible in the area that identifies the repayment period. I have sent two letters in the past two months and no written reply from the lender. An associate of the lender has called me four times but would not discuss this matter if I wished to record the conversation as they have done in the past on a number of calls. Not sure what my next action should be at this time.

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 2021-05-10
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Caine & Weiner about a debt that I do not owe to XXXX XXXX company in the amount of {$280.00}. 

I mailed Caine & Weiner debt collector a debt validation letter so that they may validate the debt that is stating is owed by the XXXX  aka XXXX XXXX XXXX XXXX The {$280.00} has been discharged or written of by XXXX XXXX XXXX and can be confirmed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I previously banked online with Simple. On XX/XX/2021, Simple transitioned to BBVA. On that date, I was unable to establish online access due to a " system error '', as were a large number of other customers. I have called BBVA 's customer service 10 times as of this filing, and have been disconnected without making contact with a representative every time. I have not been the one to disconnect the call, the automated system at BBVA has hung up on me. There has been no direct communication from BBVA, any information regarding the transition issues that I have received has been from BBVA 's social media accounts, which are not directly addressing the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XXXX XXXX, XXXX, I was only approved for only {$1000.00} limit BofA Credit Card BECAUSE BofA said in writing I still had a {$50000.00} open line of credit with the firm! 

the bank stated the personal commercial line of credit for {$50000.00} was still open at prime plus XXXX pts and i was welcome to use it. When I tried to use it, I was told it was too old to use anymore and that I had to request it be closed and to ask for a new one that meets current BofA loan guidelines. So I did. but, no one has updated my credit reports to show it was closed, never late and paid as agreed. 

I have spent the past five months haggling with BofA mortgage dept to close the commercial line of credit and update my credit report it was paid in full & never late to no avail. That is a FCRA requirement! it has been open since XXXX and never closed by BofA due to negligence! 

I also asked them to terminate my personal Guarantee as well. I received a letter XXXX XXXX, XXXX that the loan was finally closed and my guarantee was terminated and that the credit report would be updated as paid as agreed, never late and closed. THAT NEVER HAPPENED! 

BofA archives Dept, Credit Card Dept, Commercial Mortgage Dept and Executive Resolution Dept each apologized for the FIVE month mixup until today. 

In a letter XXXX XXXX, XXXX, Pa A Mortgage some Resolution Specialist threatened to sue me if I contacted the bank again. I consider this an FDCPA violation and an FCRA violation and I want CFPB to order BofA to update the XXXX major Credit Reporting agencies I paid my bill off as agreed, never late and it is now closed! 

ALL I WANT IS MY CREDIT REPORT UPDATED THAT THE LOAN WAS PAID OFF AS AGREED, NEVER LATE AND CLOSED XXXX XXXX AND THAT I AM NO LONGER LIABLE!

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 2021-05-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Domestic wire transfer of {$14000.00} sent from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX at Chase bank. According to chase, they returned the wire on XX/XX/XXXX at XXXX because recipients account could not receive wires. XXXX ran a trace and shows Chase received the money. I can not get a straightforward answer from chase as to where the money is and why it hasnt been received by XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
- I have been using BinanceUS exchange for over a year - On XX/XX/2021 I completed the advanced identity verification process and received positive confirmation via email from Binance US. 
- On XX/XX/XXXX, my ability to trade and withdraw my funds XXXX tens of thousands ) was frozen. Binance claimed I needed to verify my identity to regain access, which I already did on XX/XX/XXXX. However, I was not able to resubmit my identity verification request because the system knew that I had already done this. So basically, it was asking me to verify my identity without giving me an option to actually do this - On XX/XX/XXXX, I raised a ticket to notify Binance of this issue. I was told I would hear back within 15 days. 
- After 15 days, the Binance US website states to fill out another form to let them know you are still pending a response. I filled out this form and received no response. 
- On XX/XX/XXXX I tweeted at the Binance US help desk. I received a response from them stating that I would receive an email from support. 
- On XX/XX/XXXX I received an email stating " This particular issue is due to a recent verification update and we are currently working to resolve the discrepancy. I have escalated your issue to our onboarding department for manual review and will be sure to reach out to you as soon as we hear back. '' - I have followed up multiple times since this email but I have not received any additional information or communication - I need access to these funds to pay bills and fund my daily activities

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: CL Holdings LLC
State: CO
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:
this was solved and closed back in 2013 this was solved and paid for. this was already solved correctly. back in 2013 iphone 5 was stolen and old account was paid for fully was solved and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX my wife added me to her savings account at a small credit union. Formerly XXXX  XXXX company in XXXX Georgia. It is now XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The loan officer told me he needed to check OFAC, which is fine, and also check for outstanding bank fees or accounts. At this point he performed a hard credit pull rather than to use XXXX XXXX I am very dissatisfied that he went ahead and did this and it was unnecessary and rather sneaky. Now I have this unneeded ding on my credit.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Iam struggling to make payment they suggested, so they steered me to a forbreance If that keeps up I 'll never get ahead of lian.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called BARCLAYS BANK DELAWARE Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names. 

I have tried to explain that I have never had any type of credit card, in my name, in my entire life. 
But, after this BARCLAYS BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX  accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer.

My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for. 
I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.

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 2021-05-10
Company: Bread Financial Holdings, Inc.
State: PA
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:
Comenity Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX XXXX has indicated on my credit report that I was 60 days late. No, I one again was not late XXXX was in litigation with them because they charged me for a product I never received. By the way, I won this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: CAVALRY INVESTMENTS, LLC
State: GA
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:
On XXXX my a account from Cavalry added a derogatory marks on my XXXX, XXXX  and XXXX  credit report. I filed a complaint # XXXX on XXXX. It was transferred from XXXX XXXX XXXX and sold to Cavalry. Upon research this account was transferred, I am not responsible nor was a written signature was on the bill per FCRA. Debtors creditors did not verify this collection, no written form of communication, signature or contract for this accused debt at all. A bill without a signature does not validate the debt. Anyone can send a bill but without a written signature according to FCRA, Cavalry has to validate. My rights as a consumer have been violated. Im requesting legal call to action to remove this account immediately. Please terminate collection efforts, remove from all credit bureaus due to failure to validate the debt. See all see all attached docs from Cavalry in response to complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ocwen loan servicing company has been continually and consistently been making harassing phone calls to me. this has been going on for 11 months, starting on the XXXX of each month and going to the XXXX. some days they call as many as 5 times, starting at XXXX and going to XXXX despite repeated and written notice to stop ( not to mention a perfect payment record ), these calls keep coming and i believe are a personal vendetta.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company Jefferson Capital Systems In Minnesota, has put an item on my credit report. Every time I write them and ask them to send me an original source document meaning a signed contract showing that I am indeed obligated to pay an amount of {$100.00} they fail to respond or they refuse to respond. There is not enough information for me to determine what the debt is or if I owe this debt. They are violating section 609 of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The bonus terms were : Get a {$750.00} bonus if you deposit {$50000.00} or more in new money within 15 days of account opening, maintain an average balance of {$50000.00} during the maintenance period and make 5 qualifying electronic payments -- -- -- -- -- -- -- -- Did not get bonus of {$750.00} inspite of completing all requirements and calling up the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have an line of credit with Bank Of America for {$370000.00}. I have never been late on any payment because they were charging me interest only. 3/4 months ago they told me my line of credit matured and now they will start billing me as 15 years principal & interest and they payment will be somewhere about {$2700.00} a month. I explained to them there is no way I can make that payment as I have first mortgage and rent is only {$2300.00} a month. I am already {$2000.00} upside down. I asked them if they can differed the loan as for 1 more year so my first mortgage will be finish and I can make the payment after that. They told me they can do nothing and I do n't make enough money to refinance. No body told me about hardship application or anything only thing they said was best thing to do is put it on short sale. I have made payment when economy was down. I borrowed the money and I want to pay it back. I just need help till XX/XX/2017 when my first mortgage will be over and I can make regular payment to Bank Of america. Now since they ruin my credit I ca n't even go and get any refinancing done at all. Please look at my payment history I have made good on my loan all this time even when economy was really bad. I do n't want to ruin my credit and I do n't want that I did n't make good on my loan on my conscience. Please help me fix this issue. It seems people who were good all thru the bad economy are getting punish for being good.

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 2021-05-10
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in COVID-19 forbearance since XX/XX/XXXX. I was 2 payments behind at the time the forbearance began, however I would not have requested the forbearance if the country had not shut down due to the pandemic, as I was working two jobs and able to make payments at the time. 

In early XX/XX/XXXX I reached out to my servicer to begin the process of ending forbearance. They requested additional information multiple times, which I provided. I finally received confirmation that they had all the documentation that they needed in late XXXX. I received the final verdict of the loss mitigation, and was surprised to be denied all available loss mitigation options. After 2 months reviewing my information, all of which documents that the forbearance was COVID-19 related, it appears that my loan servicer did not look into pandemic related support for my mortgage. 

According to the determination, I am required to pay {$24000.00} in order to maintain my loan. I do not have access to this amount of money, and from my understanding of Pandemic legislation, my servicer can not request a full lump sum reinstatement since I have an FHA mortgage. 

I am submitting an appeal today, XX/XX/XXXX. However, I am very concerned as the documentation states that if my appeal is not approved, I will have to pay the full amount by XX/XX/XXXX in order to keep my home. I feel that I have been mislead throughout the process, with documentation stating that there would be multiple options for paying the missed amount back. I am both shocked and scared that my institution is now stating that I have not options.

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 2017-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My ARM rate increase on XXXX caught me by surprise. I did not receive any notices while the bank had my current mailing address, email, and telephone number. With the online account management, there was no notification documents there. Monthly statement on XXXX was too late as a notice required by my rate change agreement, and the rate change was inappropriate without notice. 
Worse yet, all of XXXX, the " current rate '' was misleadingly outdated. I refinanced on XXXX after learning about the increase from the statement in the middle of XXXX, and I paid .625 % higher rate for XXXX full month and 22 days in the payoff month. It does not add up with my " current rate '' updated only in XXXX My payoff included the principal balance and a full month of increased interest, and I was only refunded six days if interest.

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 2021-05-10
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:
PayPal closed my account for no reason and will not help me with getting it back and I don't know if it's a mistake I assume it has to be I have not been able to get help from them for a month I just fell they are not doing their job well and properly my account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive been unemployed since XXXX XXXX i filed for benefits and was approved, my claim was not payed till late XXXX, i was able to access the funds once.XXXX XXXX  granted my back pay as well, a lump sum over XXXX on early XXXX my account was frozen, i then reached out to XXXX and got it all straightened out.. Bank of america has recieved notification of my identity and still wont release account, ive talked to several departmenmts regarding my dilemma from fraud to deceased line, answering every question with true facts, everyone right. now they tell me to walk into a branch in order to recievt my money? while all banks are only letting consumers use a.t.m.s. how am i supposed to do that

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