BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I had a sick pet XXXX at the XXXX animal hospital in XXXX XXXX. The XXXX suggested I could pay for the procedure with Care Credit 18 month interest free. Having no money for the procedure it sounded like my only option at the time so I signed up. I set up my payment plan and started making monthly payments. I continued to pay on a monthly basis and thought I would be paid off by the time interest would start to accrue and it would be minimal at the end of 18 months. In the mean time follow up visits to the vet were necessary and paid for on care credit. I continued to pay monthly payments for roughly 3 years. My statements were electronic and I set up automatic withdrawal from my bank account. Thinking I was close to paying off my debt I went on to the care credit website and intended to pay the remaining balance in full. I was shocked. I now owed more than my original balance. I owed even more than my entire credit limit with them. The customer website was no help. I can log in, make a payment, and see my balance, however it is unclear what I am actually paying for and there is no history of my original transactions. I found it odd that the account history was not available save that I made my regular payments for the last few months. I contacted customer service and they explained that I owed them all the interest at 26.99 % as it was n't interest free, it was actually deferred for the 18 month promotional period. This was never explained to me when I agreed to use this credit line. I asked what I could do about deferring the interest and paying my remaining balance. Customer service told me I could resolve this and settle my account by paying my balance in full including the 26.99 % interest. Upon inquiring what other options were available I was told I could go into default, which would adversely affect my credit. Pay them or ruin my credit. I then requested a paper copy of my account history, which I now have. After researching if this has happened to anyone else I came across this article on the XXXX website : XXXX XXXX This is what happened to me. I am willing to pay what I owe on the terms I agreed to. Not what I unknowingly and unwittingly agreed to. I believe I was deceived by GE Capital and Care Credit and have been taken advantage of. My debt has been more than paid in full and at this point I am just paying interest on a balance consisting of interest. GE has made enough off money of my misfortune.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-08
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Municipal Services Bureau as is the case from the other companies I have complained about is harassing me about a debt I know nothing about. They call and leave messages when I try and call them back their message reads that if I 'm calling them back then I acknowledge that I am the debtor. Once I complain here and I am removed from their list they sell my " debt '' to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Navient Solutions, LLC.
State: MA
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:
I was charged a late fee of {$8.00} but I never received the bill, I always pay my bill on time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27
Company: Navient Solutions, LLC.
State: NC
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 has repeatedly applied payments to the wrong loan, even when the payment amount and loan number are indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the correct payment amount. Telephone representatives are unable to correct these errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
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 see that now Fed are suing Navient which is one of my school loan providers are being sued for not taking complaints and working with us to have assistance in lower the repayments of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Client is on Deed along with her mom and dad. There is a first mortgage that she is not listed as a note holder, there is a 2nd mortgage where she and her mom and dad are all XXXX listed as note holder. Mom and Dad have both passed away and daughter applied for a loan modification made 3 trial payments & was then advised that thy cld n't proceed with perm mod due to title issues. That was XX/XX/XXXX. We spent the whole year working on getting an assumption with a simultaneous loan modification. In XXXX a new trial mod was offered and an assumption package was sent as well as the closing documents for the loan to be transferred to the daughters name. Then in XXXX after making the 3 trial payments and all the paperwork being signed the lender transferred the loan without completing the permanent modification and closing the deal on her assumption even though thy had been sent everything and it had been verified through the lender that all required actions had been taken. Now the loan has been transferred and they are not honoring what the original lender started and should have finished. We are now after a year having to start from scratch all over again. Client had a tpa from mom prior to her passing and now XXXX is refusing to speak to her because she is not on the loan and there was no probate since she is the only heir and the property was already deeded to her. Her 2nd mortgage refused to modify the payment even though she had gotten a loan modification on the first and they have set a foreclosure hearing for XX/XX/XXXX. The tax value on the home is {$140000.00} however, it is in extreme need of repairs and she owes {$86000.00} on the first {$45000.00}. They denied her assistance due to negative cash flow. However, with the first mortgage payment reduced down to approximately {$350.00} if they adjusted the payment on the XXXX it would have been affordable.

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 2023-02-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$66.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Navient Solutions, LLC.
State: FL
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:
Initially discharged in Bankruptcy. Account not paid late. Made arrangements with XXXX XXXX before splitting to Navient and was paying. Instead of reporting payments Navient reported me late damaging my credit and that of my co-signer which is a US Service Member XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
While checking my credit report I noticed on XXXX credit report that a medical collection account was listed. I disputed the unverified account with XXXX on XXXX different occasions however they say that it 's verified and failed to provide me any information on the method of verification. I do not have any knowledge of this alleged medical debt and XXXX has ignored by dispute and refuse to re-investigate or provide information to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: 360 MORTGAGE GROUP LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I am a XXXX Veteran, using my VA loan. I purchased this house in XX/XX/XXXX. The house came with a separate lot, that has nothing on it, with a separatelot # and legal description. My intention was to sell this lot to pay off bills. When Itried to sell it, the mortgage company said I had to own it for one year before Icould sell it. XX/XX/XXXX, I refinanced at a lower interest rate, and to sell the lotright away. I have many emails from 360 mortgage saying that after we refinanced, we could sell it right away. On the day of signing the new papers for mortgage, Ihad to call 360 mrtg to ensure that it could be done right away. I was told yes, andthat I had to sign papers that day as they were time sensitive and would all have tobe redone if I did n't, so I signed them. Now, here we are in XX/XX/XXXX, and it all is nofurther than in XX/XX/XXXX. I spoke to the VA company, and was told that it can be done, and that 360 mrtg is just not doing it, and wants to charge me all these fees on topof the {$8000.00} some dollars they have already charged me. My realtor has also been involved in this entire process and can attest to everything, and has also receivedemails stating it will be no problem. Ca n't I sue them for breach of contract, since I have proof of what tey said? They are 360 Mortgage Company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: The CBE Group, Inc.
State: IA
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:
A loan was made with the federal government, sent to CBE collections agency to collect the debt and is now in the stages of harassment. They have called friends and family looking for me. It is to the point of inappropriate and a disgrace as the payment is in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
M & T Bank has repeatedly refused to modernize their online banking security. This leaves their consumer vulnerable to breaches that could occur even if the customer themselves is very careful with their security. In particular their site violates the latest FFIEC Guidance on cybersecurity found here : XXXX.pdf In particular, as laid out in the Information Security Booklet the FFIEC provides XXXX They are in violation of procedure # XXXX on page XXXX : Confidentiality of passwords and shared secrets ( whether only known to the employee/customer ). 
The shared secrets they use are commonly found on social media sites, these questions ( mother 's maiden name, city of birth, school mascot etc, ) are widely known. 

M & T Bank also violates procedure # XXXX Determine whether all authenticators ( e.g., passwords, shared secrets ) are protected while in storage and during transmission to prevent disclosure. 

M & T Bank allows internet browsers to store password and user information, and does not have password entry on a separate page. They do not offer XXXX factor authentication, nor do they have image verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This complaint is in reference to XXXX account XXXX. 
In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " Collection '' if the account was open and not charged off and I filed bankruptcy. Refer to the current credit report. I filed for bankruptcy on XXXX/XXXX/XXXX. Such a designation would be inaccurate or misleading, because it would indicate that the XXXX XXXX XXXX had written off the account at the time of bankruptcy when it had not in fact done so. Continuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code. May I reference two cases : In re XXXX, XXXX ( XXXX ). Here, the court relied heavily on two cases, XXXX ( In XXXX XXXX ), XXXX ( XXXX XXXX ) and XXXX ( In XXXX XXXX ), XXXX ( XXXX XXXX ), for the propositions that when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it impermissibly attempts to collect that debt in violation of the automatic stay... and the discharge injunction... 
I order you to remove this account from my credit report.If you do not immediately cease and desist the negative reporting to the CRA 's, I will file a Motion for Contempt and Request for Sanctions against you in bankruptcy court FL Southern District, Per the XXXX case, negative reporting on a discharged debt is a violation of the permanent injunction of my discharge ( XXXX XXXX/XXXX/XXXX filing date, XXXX/XXXX/XXXX discharge date ) and as such you are in contempt of a Federal Court Order with your continued negative reporting on the discharged debt.

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 2015-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, BOA finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with XXXX XXXX. XXXX XXXX provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. BOA, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from XXXX XXXX ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when Bank of America Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage Loan # XXXX XXXX XXXX XXXX Loan # XXXX Bank of America Loan # XXXX XXXX Bank-No loan number, but Foreclosure Case # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2015 I had a water heater installed for {$850.00}. The plumber charged this amount with a hand held credit card processor to my Bank of America Visa. 

A couple of weeks later, I was online checking the activity on that credit card and saw the water heater entry was not on it. I called the plumber and he resent the charge thinking the first entry did not go through. When I received my credit card statement in the mail, the {$850.00} water heater charge was on it twice ; one transaction dated on XXXX XXXX, 2015 and posted XXXX XXXX, the second transaction dated XXXX XXXX, 2015 and posted XXXX XXXX, 2015. 

I called Bank of America and they said they would remove one of the {$850.00} charges. My next Visa statement showed a balance adjustment of {$850.00} made with the transaction date of XXXX XXXX, posted on XXXX XXXX, 2015. 

Since then the plumber has called me and said his bank never received the {$850.00}. He said his bank shows there were XXXX charges in the amount of {$850.00} each and that both charges were deducted by Bank of America. 

I called Bank of America and they told me they paid his bank. I asked for some type of documentation to give the plumber or his bank to show that Bank of America processed it correctly. They refused. They said they would provide that information only if the plumber takes legal action against me. 

The plumber is a self employed, small business owner and has not been paid for the water heater. To go to court could cost him as much as the water heater. 

I paid {$850.00} which I can prove, but that money can not be accounted for. Someone has my money. I am asking for Bank of America to provide proof that they sent {$850.00} to the correct party at the correct bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My Tuition Answer Loans with Navient is behind and they keep calling me and saying that I am in default, they tell me to contact XXXX to resolve this, however they do n't have any idea of why I am calling them at all. Navient is not willing to do anything for me what so ever outside of harassing me to no end. I have requested a income repayment plan they denied it on the bases that I am behind. I have made it very clear to them that due to this I will make payment how I can, they are not happy with this. 

This makes no sense what so ever, and is not the kind of dealings that should happen what so ever. I simply want ALL my loans in XXXX simple income related payment.. what is so XXXX hard about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX and XXXX of 2016 have been paid out of my bank but they are not being applied to my mortgage. I have contacted the mortgage company on multiple occasions and by multiple medias and the problem is still not resolved. I am getting late payment notices from them even though they are aware of the issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I purchased an international product using my Bank of America ( BofA ) XXXX card but the merchandise received was lower quality in workmanship and material than XXXX prior suites purchases at a lower cost. I contacted BofA to raise my concerns and they informed me of the process to follow to resolve my dispute. Since the first call, BofA did not provide proper guidance for international disputes ( per XXXX ), been unresponsive to my follow-ups ( XXXX calls ), and, during my last phone call with the Credit Claims Department on XX/XX/2016, the BofA representatives asked me to forge a letter from a XXXX retailer to say the product was not of quality ; this was witnessed by myself and the BofA Branch Manager. I am very disappointed in the way BofA has handled my credit card dispute.

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 2015-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hi. 
Month ago I opened Bank of America cash reward credit card. I got card and start to use it. 
I made purchases at gas station, grocery stores and online. Already get cash reward ( {$110.00} ) in my account. By end of billing cycle I got XXXX and paid in full total balance in the local branch by next day. Next day I got letter from Bank of America stated that my account has been closed without any explanations.When I called to a toll free number listed in the letter, automated message said, that my account closed for business reason, no any explanation will be given. 
What about my cash reward. Can I will get my reward in this case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
US Bank is purposely making enrolling in auto pay very difficult resulting in late fees. Us Bank 's website is also misleading and causes storing of my checking account to delete its self further creating difficulty making on time payments.

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 2015-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Bank Of AmericaI am in need of your assistancewas there a title report completed 2009? 
was there a property inspection report in 2009, prior or after 2009? 
is the information correct on page XXXX section XXXX?

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