BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I disputed a credit card charge on my Bank of America Visa card. B of A sent me a letter stating what I needed to mail or fax them to substantiate the claim. I purchased a windshield for my boat - the part was too small and does not fit. Numerous attempts to get the merchant to return my calls so I could get a RA in order to return the part failed. They never called me back, so I disputed the charge. 
One paragraph in the letter is what my issue is. It stated that I had to get a signed second opinion from another qualified merchant on their letterhead! Who would do that??????????? And the qualified merchant ( second opinion ) must physically inspect the merchandise in dispute! 
This is simply putting a requirement on the consumer that is impractical at best and allowing B of A to rapidly close the dispute without a just and fair outcome to the consumer.

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 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX 1st Notice U.S Postal Service Certified Mail # XXXX 2nd Notice U.S Postal Service Certified Mail # XXXX CAPITAL ONE AUTO 1st Notice U.S Postal Service Certified Mail # XXXX 15 U.S. Code 1635 - Right of rescission ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 

( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our property tax bill was sent to us and the mortgage company in early XXXX 2015. The early payment date is XXXX/XXXX/15. The mortgage company has not yet paid it, they do n't know when they 'll pay it and they have {$2700.00} in escrow available for a {$560.00} bill and a {$17.00} bill ( we have XXXX parcels each taxed independently ). Multiple requests to the vendor go without resolution. Now, our homeowners insurance is due in XX/XX/XXXX and I highly suspect that wo n't be paid on time either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX mortgages with Ditech. I recently completed Chapter XXXX bankruptcy for a large number of my credit card debt. I was under this bankruptcy for 2.5 - 3 years. I completed this bankruptcy on XXXX XXXX, 2016. The bankruptcy sticker for XXXX of my mortgages with Ditech ( mortgage # XXXX ) was lifted and I was able to go online and get information about this mortgage and to receive an accounting for the past 3 years. My other mortgage XXXX # XXXX XXXX had the " bankruptcy '' sticker on it and I could not get any information on it without calling the bankruptcy department. I was also getting calls and letters from Ditech that I was delinquent on mortgage # XXXX ). My information showed I was not. After 2-3 months of calling and receiving delinquent notices between Ditech and myself, I discovered that the account with the " bankruptcy '' sticker had a BALANCE OF {$7000.00} IN UNAPPLIED FUNDS in it. After many, many more calls, I was finally able to get Ditech to transfer this balance of {$7000.00} ( which was just sitting there ) to my other account that Ditech said was delinquent. After getting this monumental transfer, I then began my quest to have Ditech remove the " bankrupt '' sticker from my other account. I have sent e-mails, ( attached ), letters ( attached ) and have placed many, many calls ( too many to track ) to Ditech about this. I can be reached at XXXX XXXX or XXXX to discuss. I hope someone at your bureau can help me to resolve my complaint with Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I sent the form to request my free annual credit report from each of the XXXX bureaus. I used my XXXX number in the place of a social security number. I received a letter from Equifax stating that they needed me to send in an identification form with a Social Security number. I called Equifax and spoke to an agent named XXXX, who told me that I could n't submit a request using my XXXX number. I asked to speak to her supervisor. Her supervisor did not know how to handle the request. They gave me a fax number to send in documents to prove my identity. It is important that I access my credit report because for the past couple years, I have been receiving debt collection letters to my address that are not mine. I believe that I may be the victim of identity theft, which is causing me a lot of stress. I would like to resolve this issue as soon as possible. It should not be so difficult to access my credit report using my XXXX number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i applied for a bank of America rewards card and was denied 3 different times it seem that they have a policy of denining XXXX a chance to get credit I have had people with worse credit scores than me that were approve for XXXX and XXXX credit lines. I think that banks of America needs to be looked at with there credit practices which are unfare and is discrimming against XXXX. I would like for B of A to give a fair chance to all people of getting credit not just some people XXXX XXXX applied for credit card and was denied 3 times. change there discrimmation practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have an issue with Navient. I called to settle my loans. The gentleman who answered told me i was eligable for loan forgiveness. If i made 3 installments. Which would be considered half my paymemt for my loan and they would pay the other half. Now im recieving statments requesting money from Navient. I called them and they said my momey i payed was just a servicing fee. Im trying to get to the bottom of this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Other

Complaint:
My husband and I applied jointly for a Discover card. When the card came it was only a card for him when I called discover to see where my card was they said that I was n't on the account. The same week my unwed daughter applied for one an was denied, they wanted her to apply jointly with someone. My son also applied, he is in debt up to his eyeballs with school loans, was approved an sent a card. I feel that my daughter and I was discriminated against because we are female. Since the XXXX males in the house received credit cards. My daughter an I both have good credit ; mine is actually better than my husband 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX sent me a letter stating they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 
II. I responded. In that letter, I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received. 
III. I also pulled down my credit report and saw that this debt had been charged off. 
IV. I was served with a lawsuit on XXXX/XXXX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding this matter. 
ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 
The statements made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: DISCOVER BANK
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a Discover Online Savings account which was offering a Promotional Bonus reward of {$100.00} for depositing {$15000.00}. I fulfilled the requirements, and when I did not receive my bonus, I tried contacting the Discover Bank via secure message and received quite a number of back and forth messages without any resolution to my problem. I noticed that others have also experienced similar distress as shown on the comments section of the link below : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12
Company: Berlin-Wheeler, Inc. (Kansas)
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number ( XXXX ) XXXX has been calling me every day and when I answer the line is silent then they hang up. I blocked the number and now it goes straight to voicemail every day and they leave no message. they also called me from ( XXXX ) XXXX. I guess the company is called berlin-wheeler inc. I owe no debt but these people just keep trying to call relentlessly and are silent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: KS
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:
My repayment schedule that was provided by Navient does not match what is actually being withdrawn from my account. They are withdrawing more and I keep asking them why, and they say it was because of the forebearance that I had done a couple of years ago is now catching up. But I have been paying on time and hasnt missed a payment for 3+ years now, even making more payments than the usual, and I 'm still not ahead based on their repayment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: NOVA Financial & Investment Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Nova financial, you are better off finding another lender. I started this horror story on XXXX XXXX, 2016. Put in an offer on a house out in XXXX, for glorified car loan ... ..after 4 long months of fighting the staff at Nova Financial in XXXX, AZ. and having my loan pushed back literally 5 times, on the day of the long awaited closing, XXXX the paperwork, title and deed, and told me in order to get things right was going to cost me some more money, after all ready costing me in time, extra costs, termite exterminator, a handy man and a very XXXX appraisal. Over all, my closing costs doubled, and I have to pay more money out of pocket to get done what they should have done in in the first place ... ..as a customer, I have the highest dislike for this company, they are unprofessional, un-courteous and down right rude, waiting for the mast minute to extend the process even longer, 4 times. After buying and selling around XXXX homes, this was the most agonizing experience I have ever had or seen. People, please do not use Nova Financial, you will only be left with aggravation and may still have to pay more in the end to get the job done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Vinson Mortgage Services, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of 2016, I was the real estate XXXX representing a couple trying to buy their first home. That had already been working with XXXX XXXX of Vinson Mortgage at the time, and as the transaction continued, his behavior became more and more hostile and unprofessional to everyone else involved in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: MIDFIRST BANK
State: MN
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:
Starting XX/XX/2022 I worked with XXXX Mortgage to resolve a missing payment issue. This payment was missing due to the transfer from XXXX Mortgage to XXXX Mortgage in XX/XX/2022. I did not receive a statement specifying where to send payment to XXXX so I continued to pay XXXX. The XXXX payment was lost by the mortgage service provider. I provided mortgage statements, payment history and bank statements to XXXX Mortgage to verify the payments were made on time. The completed their investigation and finally provided a letter on XX/XX/2022 stating the payments were made and their records were updated. They also mentioned that they never reported anything delinquent to my credit report. I investigated my credit reports and found the late status was reported to the bureaus and it affected my score by XXXX points per report. I have requested the bank reverse this information and they told me I need to MAIL a paper copy of my credit report to their XXXX XXXX po box and they would review. This is a completely unacceptable solution and frankly a dangerous one considering the high volume of identity theft. I have attached their letter as proof.

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 2016-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First off, thank you for your prompt attention to complaints.I 'm in the midst of a potential foreclosure, that i 'm trying to avoid.I 've requested a deed of lieu but was told I had to do a short sale.But any offers for my house were turned down by Bank of America, which leads me to believe they are deliberately trying to XXXX me.I 've tried calling the one number & it does'nt go through.The other number I 've used, I get no response from the csm.The house is scheduled for sheriff 's sale on XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is no information of this account on my credit report other than the fact its a negative account in the amount of {$44.00} which is impossible because I have full coverage health insurance and have paid all my co-pays in office. This was deleted off XXXX for this reason after their investigation but Equifax has ignored my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XX/XX/XXXX I requested XXXX loans, XXXX for {$4000.00} and XXXX for {$2600.00} ( total {$6200.00} ), to attend XXXX XXXX XXXX in XXXX, WY. I graduated XX/XX/XXXX. 

Over the next several years I paid my loan to XXXX XXXX intermittently at best. I took forbearance 's and deferment 's as much as I could, paying when I could. I now work in the railroad industry, and work has been on and off over the years, as were my payments. Over the last several years my payments have been on time. I have paid over {$12000.00} since XX/XX/XXXX ; I do not have records of the payments I made over the 10 years before that. 
At this point I have paid over double the amount borrowed. At the current rate should I continue my current payment plan will end up paying approximately six times the amount borrowed. XXXX XXXX and now Navient have raised my payments over the years. I had got them at one point to lower my payments only to have the raise again recently to over XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Navient Solutions, LLC.
State: NC
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:
My tax return 2015 was used to repay my students loans. I would like it to be reported to the credit bureaus. The debt is affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: NEW YORK COMMUNITY BANK
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX FL XXXX. I listed some used furniture on XXXX for sale. a buyer contacted by the name of XXXX. he stated he was in a transition process, he send me a check to pay for the items ( copy included ). I deposited the check into my account on XXXX/XXXX/16 with Amtrust Bank ( account # XXXX ) here in XXXX. I waited the two days the bank said it would take for the funds to be availible to take the funds out, withdrew {$1100.00} and wired the money to the movers who would pick up the furniture as per XXXX instructions to the name of XXXX XXXX through XXXX this I did on XXXX/XXXX/16 only after the funds were credited to my account. on today XXXX/XXXX/16 I got a call from the fraud department of Amtrust telling me that the check came back as no good. Really? I when to the bank and asked why they released the funds in the first place I would never have taken the money and wired it otherwise. I wanted to be sure that this buyer was legit before I proceeded I never would have taken the money and wired it to the movers if the bank was holding the money. I asked the bank to refund me the money because I trusted them when they put the money in my account that told me that the buyer was real, that 's is why I waited to take the money to try to avoid being taken by a thief. so how can the bank call me and tell me now that the check was not good and I am out {$1100.00} that is why the regulation exist for the bank to hold the money until they have verify that the check was good and now I am left to pay for their negligence they release the funds I did not asked them to release the funds early eventhough I have enough money in the account to cover the funds I waited for the bank to do their job to verify the validity of the check. I feel the bank should returned the money I lost it was their error in releasing the funds that prompted me to believe this buyer was real no the scammer he turned out to be. the bank allow this scam when the told my the check was good and now they do not want to accept this. maybe they think I am trying to take their money but that is not the case and now I stand to loose my money because the bank did not do the due diligence they are supposed to. I am attaching all the copies I made of the check I received together with the copy of the envelope in which it came and a copy of the XXXX receipt of the money I wired to this XXXX XXXX. I also have several text messages between me and the buyer over several days while I was waiting for the check to clear. but I do n't know how to attached them to this complaint if there is a way I can forwarded them please let me know I will so that you know I am telling you the truth. I can be reach at XXXX XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation