BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are in the process of refinancing our mortgage. In XXXX. Select Portfolio Servicing, Inc. ( SPS ) reported to XXXX XXXX that our XXXX house payment was late. Under XXXX XXXX rules you can not refinance if a late payment has occurred over the length of loan. We have never been late. When this refi process was started in early XXXX 2016 the company we are dealing with had to run an initial report and everything was perfect. We found out after many phone calls and being switched to all sorts of people that Select Portfolio Servicing held our XXXX payment due to a " Recast '' they were not authorized to do on our loan. I always make my payments online and have a " Payment Receipt '' showing I made the XXXX payment on XXXX/XXXX/2016, it cleared my bank account on XXXX/XXXX/2016. It took me a month to get SPS to terminate the " Recast '' and get my payment was then posted. But by that time it was reported to XXXX XXXX that we were late for XXXX. They had our money and held it with no explanation to us. Once we were told the payment had been posted our loan processor called for final payoff amount and we were ready to close. Their underwriter then was told by XXXX XXXX about the late payment reporting. 
So we are at the point now where we are trying to get SPS to contact XXXX XXXX to correct the error so we can close. I keep being told that messages as have been left with XXXX XXXX. I get switched around from Supervisor to Supervisor and as of today 's date their error to XXXX XXXX has not been corrected. We are in great danger of losing this refinance. I ca n't get anyone at SPS to help us. I have spent numerous hours on the phone with them My loan officer and I were on a conference call for an hour and a half, while I was at work, on XXXX XXXX supposedly with a manager who was taking care of it with their legal dept. Todate neither of us have been able to make contact with that person. Can anyone help us get SPS to correct their error so we do n't lose our refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Navient Solutions, LLC.
State: CA
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:
Navient says they do not allow income based repayment on my signature student loans however signature student loans, thought private, are backed by the federal government. Loans backed by the federal government are supposed to be eligible for IBR. Why is it that I am not allowed to take advantage of this benefit with my private but federally backed loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My mortgage is held by Bank of America. My home suffered damage during hurricane XXXX in XX/XX/XXXX. My home was insured through FEMA, and I obtained an SBA loan because the funds from FEMA were insufficient. I made the repairs to my home. Bank of America inspected the property and released the FEMA funds. In XX/XX/XXXX FEMA reviewed the NY losses and found homeowners were not properly paid and issued the additional monies owed. The check issued names the homeowner, Bank of America and SBA. The procedure is to go to your local branch and have the check endorsed, and then submit the check to SBA. Bank of America is refusing to endorse the check, and causing me tremendous hardship. The other major banking institutions such as XXXX and XXXX XXXX, are endorsing at the branch ; Governor XXXX had passed a mandate to facilitate payments at the local level to help XXXX victims and Bank of America has chosen to disregard this mandate. Also, there is not one specific person to speak to, every time I call there is a different story. Initially I endorsed the check and sent it to Bank of America for endorsement, they held the check for XXXX month and when my public adjuster called and explained the situation they mailed the check back without endorsing it. Each time I call Bank of America they claim their system was not documented and we have to rehash the same information. I have submitted the FEMA documentation, my contractors certificate of completion and presented the check. It appears that Bank of America is setting up arbitrary rules and impeding the processing of the check.

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 2021-01-17
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Had XXXX card for gasoline, XXXX discount at pump. XXXX  ended program. First National Bank of Omaha was card issue. Sent new card, not interested in card, never activated, never used. Billed XXXX in fees. Payed fee and closed account on XX/XX/XXXX. Billed again on XX/XX/XXXX for XXXX for fees on card never activated, used or requested. Why is FNBO charging fees on card never activated, used or requested??

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 2015-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian has failed to verify my XXXX tax lien that were withdrawal by state of Ca. 
Lien # XXXX Lien # XXXX both withdrawal by state of Ca FranchiseBoard Sac CA XXXX. Experian has been reporting it incorrectly for over 5 yearsas paid and Release. It is damaging my credit file. Experian needs to verfiy it XXXX both were withdrawal I paid XXXX .Please be advised this is my LastWRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Deleted both liens from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I do n't believe I had this account with bank of america in 2014 as recorded on my record for account abuse with a charge off of XXXX dollars. Would like to see prove of this account. I have never been to Missouri to any 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 2016-07-09
Company: Rocket Mortgage, LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I received military XXXX me from XXXX to XXXX in XXXX 2016. I shopped for a mortgage with XXXX, Quicken Loans, and XXXX receiving a Loan Estimate from each leader. I chose Quicken Loans on XXXX XXXX, 2016 because they offered me the lowest interest rate and fees for a mortgage. 

Everything was moving along until I received a re-disclosure package on XXXX XXXX, 2016. The re-disclosure package had three errors : 1. It added a {$730.00} fee for points ; 2. It increased my credit report fee from {$9.00} to {$25.00} ; and 3. It did not adjust my loan origination fee from {$1900.00} to {$980.00} as QL agreed to match XXXX loan origination fee. I addressed these errors with XXXX XXXX ( NMLS # XXXX ) on XXXX XXXX, 2016 in an email. He replied to me telling me the errors would be corrected prior to close. 

On XXXX XXXX, 2016 ( 6-business days prior to closing ) I was told over the phone they would not correct these errors. I now only have 5-business days until closing and feel I have been strung along until it was impossible for me to use another lender or have these issues addressed through the CFPB or the Department of Defense Inspector General. These fees represent a {$1700.00} increase to my closing costs which I must come up with in 5-business days. If I do n't go through with the mortgage with Quicken Loans I will lose over {$2100.00} in money spent for earnest money, inspections, surveys, estimates, and appraisals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have tried on several occasions to get Navient to validate XXXX loans. I have asked for proof that these loans in fact belong to me. I have written time sensitive letters, sent them certified mail and Navient has, on several occasions, refused to send me the requested information. In addition, I have requested that while they investigate my claim, that they stop reporting to the credit bureaus. However they have continued reporting despite my request. Many of my requests have been met with simple letters stating that the " consumer disagrees '' and they have updated my credit report saying the same. They have violated my rights on several occasions as well. They have made attempts to charge off these loans but my credit report still shows these loans as being open despite this status change. Also, the collections agencies, XXXX XXXX, made contact with me stating that they now had ownership of the loans in question. To which I sent a certified letter in XXXX asking for the same validation I requested from Navient. Unfortunately, I did not receive a response until XXXX, directly violating my 30 day request. Also, once they did respond, they did not send all of the requested information for all loans in question. I have tried so many different routes to explain to the credit agencies that Navient is in direct violation of my FCRA rights, however nothing has been done. I am trying to buy a house and these loans are negatively impacting my credit, and have been for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: NY
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:
I have been paying ahead on my student loan, but Navient has not put the over-payments directly toward my balance immediately. Instead, it advanced the due date costing me a great deal of money in accruing interest. I pay by electronic bank. NAvient offers to not advance the due date but only on checks and direct payments through their website. I go through my bank 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have had several problems with them ( Select portfolio servicing center ) over the years but the most recent problem is we were trying to get a Home mortification done, and we have started atleast XXXX of them. I have made my payments on time then after the trial period is up then start sending our checks back uncashed and start foreclosure again. Have many fees unexplained. We have had nothing but trouble from them in the last XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I had a credit card issued to me from Bank of America. My financial difficulties started when I lost my job and the card was closed. Sometime after while I was on military active duty status - they attempted to contact me. I was not able to respond to their correspondences and the debt was placed on my credit report as a " public record ''. I called the bank to find out if they would take a settlement offer so that the offensive unpaid public record could be changed to paid/settled. The representative XXXX responded that they were not able to collect from me as a XXXX for {$3400.00} was issued to the IRS by BoA in 2011and neither can they remove nor change the balance of {$4000.00} from my credit - a letter was never sent to me advising me of this. Per the IRS website the company should instruct the credit bureaus to remove the debt as a XXXX is a debt cancellation which is reflected as a earning for the debtor and any applicable taxes will be charged. In addition to that, I believe the bank receives a tax write off for these debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I purchased a skin cream over the telephone-I received the product then the invoice on my XXXX Master Card-the next month I received the product again along with the bill-I called the XXXX and told them that I never ordered a XXXX order-I told them to not charge my CC any more-they continued to every month after they said they would not-I called the credit card co and explained that this was not an authorized charge-they said they would look in to it but could not prevent further charges-I said if that is the case cancel my card-they said they would but allowed more charges 3 months later-I even paid 1 month charges of product I did not receive just to get rid of the credit card-now they keep sending me statements with late fees and interest and are affecting my credit rating-can something be done about this.

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 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have already sent in numerous complaints regarding Bank of America and my mortgage problems as you can check via case numbers XXXX XXXX XXXX XXXX XXXX I am being asked to sign a form to voluntarily terminate my FHA mortgage insurance by Bank of Amercia when this has never been brought up before and their reasoning told to me is that it will give them more wiggle room to possibly help me. I have nothing sent to me outlining how this will help me. How will something that is meant to be a source of protection to BOA in case of Foreclosure XXXX which they have set for XX/XX/XXXX? Also, if I were to sign this and they proceed to foreclose how am I protected. I feel like I am being herded in the direction of not only losing my home but ultimate financial ruin. Is this really a viable solution for me? They still are n't addressing the fees they have been charging XXXX erroneously ) since I had a short sale buyer for almost XXXX years via Bank of America Short Sale program in which BOA dropped the ball on so to speak and I eventually lost the buyer in XX/XX/XXXX. I am beseeching help in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My wife, who controlled all finances during our marriage, and I divorced in XXXX 2015. Since that date I have been working to rehab my credit score due credit card high limits. I had XXXX in credit card debt between XXXX companies, XXXX, XXXX XXXX, and Bank of America. Attempting to rehab my credit score I made large payments to pay off my XXXX ( {$1500.00} ) and XXXX XXXX ( {$1500.00} ) to alieviate my credit card debt to credit card limit ratio. Also, I made a {$2000.00} payment to my Bank of America card to decrease the balance from {$5000.00} to {$3000.00}. 

Upon receipt of the {$3000.00} payment Bank of America immediately decreased my credit limit to {$3400.00} leaving me with open credit of {$400.00} instead of what I thought would be {$2000.00}. How am I supposed to recover my credit score when I went from maxed out to maxed out while paying {$2000.00}? This can not happen to Americans who are doing everything they can to improve their credit scores. 

Also, Bank of America stated they would decline a credit increase back to {$5000.00} because of a {$19000.00} revolving line in use ( total ). This is not accurate due to my {$5000.00} pay down of revolving debt only to have the ratio increase with their credit line decrease. I feel victimized. Debt issues in America will not be fixed by sneaking credit decreases to middle-class citizens immediately after a large payment is made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BB & T BANK SUBMITTED A XXXX AND I DID NOT USE THE BANK ACCOUNT. I WANTED TO OPEN A BUSINESS ACCOUNT AND THEY WOULD NOT LET ME. THIS NEEDS TO BE REMOVED FROM MY HISTORY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Navient Solutions, LLC.
State: DC
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 am actually a parent rather than the student. We co-signed student loans not fully understanding that much of student lending has been privatized and not subject to any relief programs such as forgiveness after 10 years of working in public service, etc. What happened to XXXX XXXX? 

Our student son is paying the public loans on a schedule based on his income and we are paying private ones since he makes very little money. It is really ridiculous for a college degree to cost so much money. His degree is in XXXX and XXXX, so he will likely be working for a modest salary all his life. Making the world a better place, but not pulling down the big bucks. 

Is there any relief for private loans? We are being impoverished since our student ca n't make all the payments, and we will be unable to retire. We can only make the payments, we ca n't pay off the principle, so we 'll be paying forever. Plus Navient is calling us relentlessly. The calls start BEFORE the bills arrive and persist until they receive the payments, even though we pay every month. We get a few days of peace and then it starts again, Navient also calls our son and threatens him with dire consequences like legal prosecution. We no longer answer our own home phone, we just return calls to our friends who leave a message. Navient has our son 's cell number, so they harass him at work, at home, wherever. And this is what they do to a family that is paying each month. Imagine how much it would crank up if we skipped a month? 

I am between jobs, my new job starts in a few weeks, but money is really tight now. We need relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a refinance conventional home mortgage on XX/XX/XXXX. Rate locked on XX/XX/XXXX. My loan officer is not responding adequately to my requests, and whatever concern that is stated there is no follow up. My home insurance company emailed last month with pdf form stating this mortgage lender has already gone ahead and changed mortgage lender to this company. I have not authorized this, the refinance has not closed. Is this legal?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.

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 2017-02-09
Company: Navient Solutions, LLC.
State: CT
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 loans were transferred from XXXX to Navient in XX/XX/XXXX. First they increased my payment amount from {$380.00} to {$390.00} for XX/XX/XXXX When I called and asked why they sent me document that just said I was on a graduated payment plan but did not spell out the payment plan. I also noticed that all the payment was going towards interest and not principle. When I asked them about it I was told I had accrued interest of {$340.00}. I asked why - this did not occur with XXXX - why with the transfer did I accrue interest. They told me they would send me documentation on it. All they did was sent me payment history for XXXX months with current account info. Again they did not address the why it occurred. I find their lack of transparency disconcerting.

Company response to consumer: Closed with explanation