BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to dispute Nation Star Mortgage account number XXXX alleging that I am behind on a mortgage payment which in fact my mortgage was sold from Bank of America account number XXXX in XXXX XXXX, I had a direct deposit from my bank to Bank of America and XXXX XXXX payment was sent back to me which I forwarded to Nation Star Mortgage but Bank of America kept my XXXX payment. I was even sent a letter saying that I would receive my XXXX XXXX payment. 
I had contacted XXXX XXXX Mortgage and told them about the problem and they sent me a letter saying that they found nothing wrong with my missing payment. I also contacted Bank of America and told them that I needed that XXXX XXXX payment and they said there was no status on it so it could n't be released and after hearing this news, I contacted a lawyer XXXX and paid {$250.00} to have this issue resolved but the lawyer was unable to do so. 
I have also recently, filed a dispute with the Real Estate Settlement Procedures Act agency regarding this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
In Complaint # XXXX, Bank of America indicated that a lien release letter was mailed to me on XXXX XXXX, 2016. The letter was NOT mailed to me - as of this date it has not been received. I am starting a new complaint on this because the CFPB system indicates that my formal complaint was closed, even though I responded that to the company 's response that the lien release letter has not been received by me. My calls to the gentleman assigned to me by Bank of America to resolve complaint # XXXX has not returned my recent calls.

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 2015-06-26
Company: Navient Solutions, LLC.
State: CA
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:
When navient was still XXXX XXXX I applied to release my co-signor. They told me that I had to make XXXX consecutive ontime paymentsand my previous XXXX payments did not count because I had a forberanace after that. 
I made all XXXX payments, in fact, at this point I have made close to XXXX consecutive on time payments and now Navient refuses to release my father as the co-signor. My loan with Navient is the first thing I pay each month and it is in automatic payments from my bank account. XXXX XXXX agreed to release my father as co-signor and Navient should have to hold up the verbal promise that was made by XXXX XXXX. Navient is telling me it is in their discretion to release co-signors, but that is not what XXXX XXXX told me. Not to mention that is breach of a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I do not understand why I am unable to get a lower interest rate because consolidation happened so long ago. Why is it that new borrowers receive lower rates while those of us that have had loans for years are not seeing any significant decrease because of the high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am filing a compliant in regard to the Lawsuit filed against Navient. I too was told to take a " forbearance '' on my Loans. My original Loan amounts totaled $ XXXX. Due to long term forbearance my current outstanding balance is {$170000.00}. This is outrageous and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Williams and Fudge is reporting a collection account from XXXX University on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Williams and Fudge about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fed Loan Servicing has my loans split into three separate loans. All of my payments made have been with one check that covers all three of the loan payments, yet Fed Loan Servicing has three different certified payment amounts for me for the XXXX XXXX XXXX XXXX XXXX. I have tried to rectify this by speaking with them, but nothing has been corrected in the two years I have been trying to fix it. There are incorrect " ineligible payments '' listed. Below are the dates for the " ineligible payments '' that should be counted as correct : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX All of these are listed as either " payment received outside of the payment period window '' or " You do not have a bill due for this payment period '' For one of my loans, they are counting them, but then not counting them for the other two. They should count for all three as I only ever send in one check per month to cover all three. 

This is costing me money as I should already qualify for loan forgiveness under the public service loan forgivenes program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal misled customers into signing up for lines of credit they never wanted In XXXX, PayPal ( PYPL ) was ordered to refund {$15.00} XXXX to customers and pay a {$10.00} XXXX fine after the CFPB found the company had illegally signed people up for unwanted credit. Many who thought they were signing up for regular PayPal accounts unwittingly registered for lines of credit through the company 's lending arm, according to the CFPB. Some people only found out when they started getting debt collection notices for past due amounts or found evidence of the new account on their credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, 2021, we were texted via Wells Fargo that there were charges that seemed suspicious, and that in order to approve these transactions ( {$XXXX} and {$XXXX} ), we needed to text the XXXX digit code back to Wells Fargo. There was also a suspicious {$XXXX} transfer from savings to checking that we had not made. We ( my husband and I ) immediately called Wells Fargo Fraud Department that froze the accounts. Wells Fargo claims a XXXX Liability policy in these situations, and we were told we would see the funds back in our account within days. We received {$XXXX} back on XX/XX/XXXX, but upon calling to follow up on the remaining {$XXXX} still missing, we were informed that they believed that we had indeed authorized this purchase via texting the code and that " Visa has rejected our claim that this was fraudulent. You will need to follow up with XXXX XXXX XXXX XXXX. The case will not be reopened ''. The representatives that we talked to began to question our authenticity, stating details of the case that had never been stated, such as, " You said you lost your debit card '' and " You transferred the {$XXXX} yourself ''. They report that the matter is completely out of their hands and that Wells Fargo can no longer assist at all. We have contacted XXXX XXXX XXXX XXXX, who has stated that this is a matter that only Wells Fargo can resolve. In making a formal complaint to the company, they assigned me a Case Specialist, XXXX XXXX, whom I have tried to call, but he has not answered his voicemail box is full. Attached is a screen shot of the texts we received when the fraud was committed and the authorization we did not provide, or there would have been a text back with the code as well as their final response to our dispute. They have never said anything about the " compelling evidence '' or provided any kind information that supports their decision to decline refunding the stolen money. 
We have also reported this incident to our local police department ( XXXX XXXX, XXXX XXXX ) which have referred us back to resolving the issue with Wells Fargo.

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 2016-11-29
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been called at least three times a day for over a month. The caller usually hangs up. or transfers me to a machine that says to hang on for a representative who has 'important ' information for me. 
At this point someone demands that I verify my name. I then ask them who they are and what they want. Twice they 've hung up at that point. Once the caller said " I 've already told you who I am. Answer my question '. at which point I hang up. 
I have called one of their numbers and told them to stop calling. They continue to call anyway. 
On XX/XX/2016 I finally received a letter from them. It says I owe {$53.00}. But does not state whom the creditor is ; what it 's for ; or when this debt was supposedly incurred. It continues on to say they are 'scheduled ' to report it to the National Credit Agencys if this is not paid in an unspecified period of time. 
I have perfect credit. I do not believe this is my debt. 
In the unlikely chance that it is mine. It is beyond the statute of limitations. 
Regardless, they are harassing me on a daily basis and I want it stopped. 
Please note : i have already filed complaints against them with the FCC for harassing phone calls.

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 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Unable to dispute and remove my " consumer statement '' via Transunion website. Website keeps bringing my to my last dispute results.

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 2016-01-26
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been an excellent customer, paying my mortgage promptly for over 15 years. I have repeatedly asked for a modification and was denied request because I was NOT LATE with payments. Finally became late because of chronic illness. 
I 've consistently submitted and resubmitted papers, spoke for months with Ocwen reps and was then denied because my income had dropped. This was the point in the modification in first place. I am getting nowhere with this company. 
Ocwen calls my home and hangs up when I pick up the phone. 
This is unacceptable behavior and an unethical business practice. 
My illness makes it extremely difficult to sort through papers and notices again and again. The stress is causing has increased my XXXX. 
Ocwen is throwing a person who is completely alone and ill in the street. I showed good faith all these years by making sure my mortgage was paid, no matter how ill I was. 
It is difficult for me to sit here and type this as I am XXXX from the XXXX compounding to my illness. 
I have asked they stop any actions towards foreclosure and grant me a modification in addition to taking the past due amounts and adding to back end of mortgage as I 've repeatedly requested so I can concentrate on healing and not worrying about dying alone in the cold. 
DON '' T LET THEM STEAL MY HOUSE! THEY 'VE MADE THEIR PROFIT! TREAT ME WITH THE DIGNITY AND RESPECT I DESERVE! 
Absolutely no fair customer service practices and no consumer protection. Please stop this madness!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's Home Plus calls beginning the XXXX hour ( XXXX, XXXX, XXXX ) and continue at varying times throughout the day including twice in one hour ( XXXX and XXXX ). This practice has always been theirs. 

The call from yesterday, XX/XX/2017, the gentleman I was speaking to I told representative that I needed to get off the phone because of increased traffic. However, he proceeded to need to verify my account information ( which had already been updated based on my online account profile ) and need to update phone numbers ( which have not changed ). He would not let me finish and get off the phone. It was upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Hi, I had a balance transfer off from Bank of America, and the promotion ended around XXXX / XXXX. I called into customer customer back in XXXX, and I was informed by a Bank of America associate that as long as I pay my credit card bill in full on the due date in XXXX, and I would have avoided any interest fees. I then scheduled a full payment for XXXX. 

I called after the payment was made in XXXX, just to make sure that the account has been paid off in full and that I do n't owe anything. However, the second representative then told me that I would be charged interest fees, because the promotion has already ended back in XXXX. He went through the notes of my last conversation with the previous representative, and then offered to have the interest fees waived. However, he said I have to call back in 3 days after the statement is posted, because he can not waive a fee that has yet to be charged. 

So I called back in 3 days, and I spoke to another representative. He went through the notes of the conversations with the past XXXX representatives, and then said the interest fee would be waived in 2-3 days once it is processed, and that my balance will be XXXX, and I do not have to worry about anything else. 

However, it has been almost a month since then, and when I logged into Bank of America website just to double check, I noticed that the interest charge of {$140.00} is still on the account, and that payment was due in 3 days for that amount. If I had not checked out of precaution, I would have been charged a late fee and had my credit history adversely affected, on top of additional interest fees on this interest charge. 

I called Bank of America again, and the last representative said she could not do anything about it other than to file another request. I spoke to a manager eventually, and she refused to review it and insisted that the fee is the final determination, and that the only way for me to resolve the issue is to pay the interest fee. 

I have been given different and very misleading information time after time by Bank of America. This is very shady. Had the first representative that I spoke to told me about the correct date to pay in order to avoid interests, I would have scheduled the payment for that date. I have had the balance in my checking account ready to pay it off since XXXX, but I figured I could wait till end of the promotion. However, I am now led to believe that Bank of America had intentionally given me wrong information just so that they are able to charge me interest fees. 
I hope that this complaint will be able to help me address this injustice. 

Thank you so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Wells Fargo has failed to pay Civil court Number XXXX under the middle district of PA. Wells Fargo is named as a defendant.

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 2017-03-28
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed a report on    XXXX    to the FTC after received first letter from TRS Recovery Service s , Inc.  and had called the number provided on the letter. My FTC Ref # was  XXXX . I have received no follow up from FTC, and was s ent another letter from TRS Recovery Services , Inc. on  XX/XX/XXXX .   I k now this claim that I wrote a check to "  XXXX  No.  XXXX  '' is false. They are demanding I pay  XXXX  and try to direct to a website, www.firstdata.com/trs to provide personal information in order to dispute or have them draft funds from my account. I did not provided personal information or go to their website.     Today I received a phone call that is a scam claiming to be from the  US Federal Grants Dept.      i have verified my number is on the  Do  Not Call  Registry sinc e  XXXX , and I am a member of  XXXX  since  XXXX . Why do I keep getting these misleading and threatening communications?     Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are several closed XXXX XXXX accounts on my report.as for as I know I never changed cards unless I was sent a new one.there is also open accounts and balances on XXXX cards.XXXX and XXXX the charges are not mine! XXXX last error on the collections {$54.00} charge and a charge from XXXX I have never had a card with more then a {$1000.00} limit, My car payment payment was never late I defer XXXX payments when I was ill.And I have never had a XXXX account.Please fix theses errors.I don`t check my credit reports but I will from here on in Thank you in advance, XXXX XXXX p.s I also was red flagged for ID theft in XX/XX/XXXXand XX/XX/XXXX someone put a false income return in they received {$7000.00} in XX/XX/XXXX but nothing in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: DE
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:
I attempted several times to dispute incorrect information with Experian Credit bureau and attached supporting documentation about XXXX XXXX XXXX  account. Account is showing charge off but was XXXX during XXXX XXXX  bankruptcy. They refuse to remove item or update incorrect information. I was advised that the verified information with XXXX XXXX XXXX but I was told from XXXX representative that information was not verified by them. I spoke with Experian representative on the same day and was told information was verified by XXXX. Information is still showing incorrectly and they refuse to verify and update correctly my credit file. Documentation was submitted showing correct information but they still refuse to correctly report on my credit file. 

I submitted dispute on Experian XX/XX/XXXX requesting incorrect information be updated and corrected for an old XXXX XXXX XXXX account from XXXX. Account was reported as charge-off and updated every month currently as late. This information is incorrect and should be reporting as a XXXX balance and bankruptcy XXXX XXXXr XXXX. I also attached court documents with dispute reflecting as so. But, dispute returned as accurate and amount owed increased and then XXXX XXXX XXXX reported additional late payments which caused my credit score to decrease XXXX points and damaged my credit and opportunity for mortgage loan approval. I called XXXX XXXX credit about XXXX on XX/XX/XXXX and was advised I was not found in their system, then I was transferred multiple times. After my fifth attempt, I was given a ( XXXX ) XXXX telephone number. Finally, I spoke with a representative XXXX and I advised the representative of the situation. I sent XXXX at XXXX XXXX XXXX in writing with letter request of validation of debt owed to XXXX email on XX/XX/XXXX. I would like the situation resolved and it be reported correctly to all three credit bureaus as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a copy of my credit report. There is an account on there that I did not open. I have no knowledge of it. It has been opened by identity theft. The account was synchrony car care credit card. 
SYNCB/CAR CARE SYN CAR Date opened XXXXXXXX XXXX XXXX Account type Charge Card

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