BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was banking with BB & T prior to the merge with Truist. I would get overdraft fees when there were no transactions to warrant such fees. My account closed in XXXX. A deposit was received and they the bank didnt refund me any money and stated that I owed and they would keep the deposit even though the money went to a closed account. XXXX reports closed paid account. In today I received a notice to my email that I received a overdraft fee but I was confused because I have no open account with Truist. So I used my old Login to see what was going on. Truist opened a account without my knowledge. My account closed 3 months ago and was reported to XXXX. Truist fraudulently opened an account with fake deposit information making it seem like I overdrawn my account and are charging fees on this account. I have not had any contact with Truist since the closing of my account back in XXXX. This is a business account. I have also notice that Truist will make your balance disappear and charge you overdrafts for ghost transactions that doesnt even exist.

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 2015-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After an initial denial of a modification request based upon a job loss resulting in an income decrease of XXXX figures, Bank of America sent us a " settlement offer '' which stated unconditionally that our second mortgage of XXXX would be reduced in principle to XXXX, with resulting payments, etc, and not to accrue interest. The letter stated that it was a " settlement in full ''. There were no conditions mentioned, nor any restrictions. We contacted our " recovery analyst '' with a few questions. Would there be any pre-payment penalty? No. Were there any conditions on the settlement, including conditions on the sale of the home? No. After making these payments for 8 months, we decided that since were were no longer under water, to get a better handle on our finances we needed to sell and move into a rental home. Nearing the close of escrow, after a request from the escrow agent, B of A stated that the payoff balance was XXXX! The original XXXX, less the payments we had made since the " settlement in full ''!! They have told us that the payoff can not be paid from the proceeds of the sale of the home. This is the XXXX time this was ever told us. We spent thousands on repairs and inspections. We will now fall out of escrow. After being lied to ( It 's the law '' they told my husband. I, an attorney called back and stated I wanted the Code section on which they relied, then they stated it was probably an internal rule ). They consider this a short sale now. My request ( which would be for them to accept the XXXX, XXXX without regard to the origin of the funds, so we can sell our home, but I know this is not realistic ) is to provide better communication and information. Also, B of A has a " notice '' problem. This condition was never stated in writing, nor orally. They MUST be required to publish this information. It is a critical condition and materially affects the terms of the " full settlement '' which is not really a full settlement, more like a conditional forbearance. They have a legal problem with this, and when they get someone who has the time and patience, they will be facing another class action. What I really want now is to let our first foreclose, and let B of A get 100 % of NOTHING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XXXX XXXX/Navient has called my work on more than one occasion, even after explicit written requests to not do so. The most recent infraction was XXXX/XXXX/15 at XXXX XXXX. The first explicit written request to never call my work was sent on XXXX/XXXX/15. The second explicit written request was sent on XXXX/XXXX/15. Two non-explicit requests to stop phone communication ( and communicate only in writing ) were sent between those dates on XXXX/XXXX/15 and XXXX/XXXX/15. XXXX of the XXXX letters were sent via certified US mail, so they are confirmed to have been received, as a signature was required. 

The school I attended was the University XXXX in XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Pacific Union Financial, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter in the mail that showed that I might be eligible to lower my house payment, so I contacted the number on the letter and spoke to an agent, XXXX XXXX on XXXX. I initially wanted to roll XXXX loans into XXXX, essentially having XXXX big payment but unfortunately I was unable to do so and XXXX advised me to use the payment from XXXX and XXXX towards my car loan. ( He told me that he would be able to close on my house by XXXX and my XXXX and XXXX payment would be rolled pretty much to the end of my loan. ) After sending all the requested documentation, I was under the impression that everything was handled and taken care of. I was advised by XXXX to stop my monthly payment in XXXX. XXXX I started to get calls from Pacific Union regarding my account. I called XXXX and he said to ignore them, that they were just needing my husband 's information to close on my account ( to show his proof of income. ) I sent him the documentation within hours of him requesting it and went on about my business. XXXX rolls around and I answered a call from Pacific Union. I told the representative that I am refinancing my house and it all should 've been taken care of. I called XXXX and he said that he was unable to close due to some issues ( HE DID NOT BOTHER TO CALL TO TELL ME THIS ) and he said not to worry he is going to fix this. The next day, XXXX calls me back and tells me to make my XXXX house payment. It was already after the XXXX. I do not have that money because I was under the impression that I was able to skip my XXXX CONSECUTIVE HOUSE PAYMENTS so I do not have the money needed. He said that he is going to try to close my house by the end of the week. Since XXXX XXXX he has not called to update me nor inform me as to what is going on with my account. I am now two months behind on my house payment, in a financial hardship, physically stressed out over this whole situation and very upset with the service I have received. I am currently XXXX and have a lot on my plate at work so to have someone tell me that they were going to take care of me and have that all been a lie, it is really upsetting. I am seeking guidance in this situation. I want someone to please explain how XXXX XXXX is able to mess customers credit up by essentially painting a picture and having it all be false hope. I made XXXX consecutive payments and am trying to repair my credit and now I have to scramble to see how I am able to come up with some money to pay towards my house until I get paid again in XXXX. I tried reaching a Supervisor in the loan department and have been unsuccessful and the only number that anyone seems to have is XXXX XXXX 's voicemail number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Sallie Mae was the original loan source until they changed their name to XXXX. I called and asked for help repeatedly and I was never offered help until they sold my loan to collections, which we all know is still Sallie Mae, but they charged exorbinant amounts of interest on top of my already 16 % rate. When I graduated they wanted me to make a payment of over a {$1000.00} a month. Not to mention the fact I could not find a job as my school falsely advertised I would making what thwy said I would. I was taken advantage of and did not have the priviledge of informed and involved parents to tell me this school was a bad idea. My original loan was near XXXX which has ballooned to well over XXXX. Not to mention the hundreds of thousands of harrassing phone calls every single day. Even Sunday. No day is sacred. Even after XXXX. I wanted a better future and now I am strapped with a loan I will never be able to pay until the day I die, then it will be erased. Unless I get a loan modification it is utterly hopeless and now my credit is destroyed because of this loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
They call before XXXX on Saturdays. It 's disruptive and annoying, plus it 's an robocall, which makes it even more annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I mailed a letter requesting verification of the information held with the company Advantage, a company I have never been associated with along with any documents or contracts with my wet signature for verification of any contract signed ( which is normal for my operation of business ). They returned with documents that were incorrect including an amount I did not owe them nor did I attend school dated back from XXXX  in the amount of XXXX and XXXX including a disbursement date of XX/XX/2015. Not only did they return this inaccurate infomation, they also did not include majority of the things requested for verification for consumer ( including last billing statements, late payment notifications, original contract with wet-ink signature, proof when any debt owed became delinquent, proof of service with state, etc. ) This company is in partnership with the Department of Education Loan Servicing dept and has unauthorized shared information within their operation of business. Including that, information came back under my request of verification in the form of documents including an incorrect mailing address, email address, and typed signature ( not official wet-signature signed per request ) as well as late payments on credit report to a business I never had business with. This matter is affecting my score with inaccurate information unverified and after my request, no action has been changed to remove, going against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
i lost my job while pregnant and i was experiencing financial difficulties as a result of unforeseen circumstances. bank of american never let me defer student loan payment s or place me in forbearance. the loan then went to a collection agency as a result. this defaulted loan is ruining my credit and i would like to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: PA
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:
Navient put my account on Deferment and Forbearance as a " courtesy '' without my knowledge, when I enrolled part time in online classes. Interest still accrued of course, while my automatic payment debits were paused for 1 year. Therefore, they secretly accrued more interest without my knowledge. After a 1 year deferment, they rolled on a 2 month forbearance as a " courtesy so that I did n't get surprised when the deferment dropped off '' according to their agent on the telephone. Makes no sense, if its on automatic payments another 2 months of forbearance is not a courtesy. Furthermore, their communications to me in email are all using vague language and so I never knew these changes were being made to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our fixed-rate mortgage was transferred to SLS and we have had many problems since then. Specifically : 1 ) everything they send seems intentionally confusing. We have worked with many other mortgage companies over the years and SLS is the only one who sends things that we ca n't figure out. 
2 ) we have full insurance yet they tried telling us that our insurance was " insufficient '' and that they were going to purchase their own supplemental insurance ( even though they had just paid our insurance from the escrow account ). They continued to send us this claim two more times after we sent proof that our insurance was in fact sufficient. 
3 ) Now they are claiming that we have an escrow " shortage amount '' of a - {$1000.00}. What is a negative shortage? Is this double negative actually a surplus amount in our shortage? 
4 ) They are adding a monthly " shortage payment '' amount of {$85.00} to our monthly payment for the next 12 months. 

This is the shadiest mortgage servicing firm we have ever worked with. We wish there were a way to switch mortgage servicing firms without refinancing because we have a great fixed mortgage rate. I would also like to see firms like SLS closely monitored by the CFPB because I 'm sure that there are many mortgage holders who are not paying as close attention and are getting XXXX. 
Any assistance from the CFPB is greatly appreciated! 
XXXX

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 2015-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the Credit reporting agencies have not followed the law. Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. 
Blocking Bad Credit Information from Credit ReportsThe law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went down to the courthouse to verify information concerning a bankruptcy found on my report. The information is not mine. The name is the same, but the social and address is not mine.

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 2016-11-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Wakefield & Associates XXXX, CO XXXX, is stating I owe Overdraft Fees from a XXXX Checking Account from XXXX, nearly 12 years ago. The Statue of Limitations in Colorado is 6 years. U.S. Bank lost a {$XXXX} XXXX Lawsuit in XXXX over Overdraft Fees, I have never been given a chance to dispute this, they claim they served me on XX/XX/XXXX, this is not the case I was never served and have now on XX/XX/XXXX gone to XXXX Colorado Court and filed a judgement lowering my credit score

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXXDEPT OF ED # XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than XXXX years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate

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 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Unexpected or other fees

Complaint:
I need your help between XX/XX/2021 and XX/XX/2021 I had ten large deposits into my Capital One checking and savings accounts from my XXXX XXXX XXXX  cash account ending in XXXX totalling over {$530000.00}. After a few days the deposits were initiated back to XXXXXXXX XXXX XXXX XXXX during this process the banks had and error causing my money to get misplaced caught in limbo. Capital One and XXXX XXXX  banks both tell me they dont have my money and each bank claims the opposite bank has my money. Its been three months and i havent seen a penny yet of my deposits. XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: ALLY FINANCIAL INC.
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I wrote to Ally Bank on XXXX XXXX to provide me account verification letter. Made few follows ups by email and chat. Since last 3 days - i have made four phone calls. In all spent close to 3.5 hours for this but have got nothing from them except plain assurances. Today morning - i was told that i will be getting it within 3 hours. nothing happened. Then called them during evening - they said may be tomorrow. Good amount of hold/wait time and inconvenience. I know ally is web bank - but these kind of stuff - it 's very difficult to deal with this bank. Has it been any bank with branch-this could be done in less than 30 minutes.

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 2015-07-05
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Other

Complaint:
helloFirst I 'd like to let you know that removed my full name leaving only initials for security purposes. 
I am contacting you with regard to XXXX rewards card. 
This card classified my payment as late from XX/XX/XXXX ( saved the webpage for your records XXXX. I reviewed the account and I can see that I modified my payment method on XX/XX/XXXX XXXX an email was sent to me ) below is the details : Type : ModifiedReference ID : XXXX Date : Monthly on the day of your payment due datePayment Amount : Minimum payment dueBank Account Name : XXXXAfter payment method modification, the monthly statement ( which is attached for your records ) was issued for the following statement Billing Period : XX/XX/XXXX - XX/XX/XXXXIt clearly statesActivity for XXXX XXXX - card ending in XXXX Date Posting Date Transaction Description AmountXXXX/XXXX XX/XX/XXXX Payment Received BANK OF XXXX - $ XXXXThis clearly states that the credit card company received the payment on XX/XX/XXXX yet informed me that the payment is late. 

Moreover, when I login on the credit card personal webpage ( on XX/XX/XXXX ), it states that the payment is overdue last payment received {$25.00} XX/XX/XXXXI had a similar story with this credit card company XX/XX/XXXX which obviously had issues with their website and they reported my payment as late XX/XX/XXXX. During that time I had problems with Auto payment enrollment confirmation and this credit card company reported my late payment to credit bureau which negatively impacted my credit history. I wrote them nicely to ask to correct the issue but they refused to help me. I am attaching my credit report which shows that I never been late on any other credit card yet XXXX rewards card is causing me a lot of trouble. I was unable to receive good credit cards as well as obtain a credit because of these issues. 
I am an elderly person and the whole story causing me a huge distress. Please help. 

Thank you and XXXX bless you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation