BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was given a loan modification in XXXX with Bank of America through XXXX their servicer. Ive paid my loan for over 3 years every month. The problem began when Bank of America started servicing the loan again in XXXX of XXXX. I submitted a complaint to this agency about the fact that Bank of America attempted to change the criteria of the loan modification by placing an extremely high lender placed insurance on the loan. In XXXX of XXXX my insurance escrow was reduced my payments were to be {$830.00} a month. It never happened in the process I still continued to pay my original payment of {$780.00} monthly. Then in XXXX of XXXX, I received a letter of intent from a lawyer hired by Bank of America saying I was 4 months behind in my payments. Which was a false claim. I sent my original payment of {$780.00} in for XXXX, XXXX, XXXX and XXXX of XXXX, I have bank statements to prove this. Upon my filing another complaint on Bank of America they sold me to XXXX who now continues this false narrative of my payments. By placing me in foreclosure status my payment in XXXX was sent back. Since all this began Ive spoken to their attorney and Bank of and XXXX They threatened me with a sale date of this XX/XX/XXXX which is illegal without a court judgment. I would like to know how they can process a foreclosure based on false payments statements. Bank of America also falsely accused me of having a forbearance with them that I did not have. They have no proof of a forbearance program, I have payments statements to prove I paid continually. Adding all these fees plus the attorney fees is fraud on their part. Shellpoint as you can see has added more unexplained fees and payments. The proper calculation is needed to proceed. This matter has been filed in superior court in XXXX XXXX XXXX Im fighting for the truth to be upheld and for these banks to admit their error.

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 2022-02-24
Company: PNC Bank N.A.
State: NJ
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:
PNC Bank Auto has been the vain of my existence for well over a year. I have been paying double sometimes triple the amount on my car loan in order to get ahead. This has been going on since XX/XX/XXXX. The payments are not being posted as I wanted it. The payments are being applied to the principal, interest and fee balance and not towards the current monthly payments and future as I wanted it. By PNC Bank not stating they were applying the payments this way and applying the payments as they please. This has created my account to be reported to the credit bureaus negatively. This is incorrect and all the late payments need to be removed from my credit report starting in XX/XX/XXXX. I by making multiple payments in the same month paying for multiple future months thought the months were paid. PNC Bank applied them not as I wanted and then turned around and reported over 9 times since XX/XX/XXXX up till today that my account is past due. I have attached the PNC statement as of today XX/XX/XXXX as current next payment due in XX/XX/XXXX. This wrong and very misleading. I have constantly called and requested an investigation but here I am still having the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have a loan with Navy Federal Credit Union that was already charged-off 5 years ago. Yesterday, I have to borrow money from my brother as I am going through financial rough times, but he deposited the money to my savings account with Navy Federal Credit Union since he has an account with the same bank. The NFCU then transfer the funds to the loan that was charged-off 5 years ago and I am left with XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received a warrant in debt on my doorstep without being properly served which is illegal in this state. Further, I have no one to speak with regarding this other than the collection agency, which is also illegal. Midland Credit Management is not listing the legally required information for the lawyer representing them in this case, as required by law. Further, they combined two separate accounts into one to file a lawsuit for a warrant in debt, I can not be served for two separate accounts under the same lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting inaccurate and incorrect info on my consumer report. I tried remedying this information for more than 6 Months. this is really been a problem for me. This inaccurate info has made my life a living XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I WAS IN NEGIOATION WITH WELLS FARGO CONCERNING A LOAN MODFICATION AND MY HOUSE WAS SOLD. I SENT IN ALL THE PAPER WORK THEY WANTED BUT I KEPT GETTING DIFFRENT HOME PRESERVATION PEOPLE EVERYTIME IT WOULD BE A DIFFRENT ONE AND THEY KEPT SAYING THEY DIDNT HAVE THE RIGHT PAPERWORK I INLISTED COMMUNITY ACTION TO XXXX ME AND WAS TOLD THAT THEY DIDNT SEND ANY PAPER WORK WHICH WAS NOT TRUE THEN THEY SOLD THE HOME ON XXXX2016 AND I THOUGHT THE SALE WAS THE XXXX I KEPT CALLING WELLS FARGO AND NO ONE WAS RETIURNING MY CALLS WELLS FARGO IN MY CASE DID NOT GIVE ME THE PROPER HELP IN PRESERVING MY HOME I BELIVE THEY JUST WANTED IT BACK

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 2016-10-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
For the last month and a half I 've been dealing with the the following loan consultant from Wells Fargo in XXXX. She 's now missed my closing deadline, lost sensitive financial information that has been given to her numerous times, requested ridiculous information with out providing any explanation as to reason why? requesting multiple signatures on the same files and records that have been provided to her, that are redundant, requesting information that can not be produced, and truly unnecessary ... I can go on, an on, and provide back up to any of my claims as I 've kept records of the information she has missed, and the requests that so capricious to the point of being racist. Unsure as to where to go, and what to do for answers and help, i 've reached out to her manager, to the baking institution and nothing seems to make a difference ...! It might be to late for me now and I might end up loosing quite a bit on this transaction for my new home that should have been extremely simple. But wanted to share my frustration and bad luck, in case it helps others avoid this same experiencing with this individual from Wells Fargo ( with XXXX ID XXXX ) XXXX Sincerely,

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo owes me money for their abuse of their mismanage money

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 2020-09-28
Company: EQUIFAX, INC.
State: FL
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:
I'm filing this complaint against the credit bureau today because I am a victim of identity theft which I've submitted my identity theft affidavit from the FTC with the credit bureau. They're items on my credit report that I have disputed that has been removed except for the public records. The credit bureau are claiming to have verified the inaccurate information as accurate but when proof is requested of how and with whom I have yet to receive any documents. I have contact the creditor directly and they provided me with a letter stating they do not submit any information to the credit bureaus. So my question is to whom was the information verified with and why haven't I yet received any documents with my signature of this account??? Because the accounts has been verified as my account and I would like it removed. 
I'm uploading my dispute letter I mailed back in XXXX of this year along with my security freeze confirmation letter, and the letter I received from the courts house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote XXXX and Transunion about the concerns. I did not receive a response. On XX/XX/2021, I wrote XXXX XXXX ( the credit collection agency ), I also have not received response from them. On XX/XX/2021, I wrote XXXX and Transunion again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : TransunionXXXX XXXXXXXX XXXX XXXXXXXX

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 2020-01-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My prior loan company XXXX withdrew my XXXX payment on XX/XX/XXXX for XXXX payment. A new loan company Heartland ECSI is now charging me for the XXXX payment. They state that their billing period starts on the XXXX of each month. I have paid XXXX in FULL through the prior loan company. Therefore, my next payment should have been due in XXXX. They say they are charging me a prorated amount for XXXX. Why? XXXX was paid in full to XXXX. They also informed me that they are charging ALL of XXXX student loans the same way. Thats ALOT of loan overpayments! How can I owe them for XXXX when Ive paid XXXX to XXXX? Pro rated or not, XXXX was fully paid. 

I have paid XXXX through auto bank withdrawal for a few years. Ive NEVER been late and I pay a few days early. Now my credit will be affected due to over billing from XXXX. Student loans are expensive enough without having to make a payment TWICE. Thanks for any guidance you can offer. This is just wrong on so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX listed closed - still do not have funds have court order by surrogate 's court to release funds, documents given to you per the reference number above. 

my brother and I are listed as voluntary administrators on the court order. the court that issued the order says that we can act independently. Key bank is stating that they need both signatures. 

In my last correspondence with Key Bank, I asked them to straiten this out by contacting the surrogate 's court, as the surrogate 's court asked me to do on this matter. 

To the best of my knowledge, Key bank has not done so, and has not returned my correspondence. 

This is a lot of work for {$250.00}, and I would like to close the estate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at XXXX XXXX with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called XXXX  XXXX on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you

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 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT, FOR I HAD NO KNOWLEDGE OF THIS ACCOUNT. IT WAS INACCURATELY PLACED ON MY REPORT. PLEASE DELETE THOD ACCOUNT ON ALL THE REPORTING BUREAUS

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 2020-01-16
Company: AES/PHEAA
State: TN
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:
Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were in anticipation of have our PMI removed soon as the interest-bearing part of our modified loan is at 81.8 % LTV ( see attached ) We also have a post loan mod. document stating LTV was at 88 % ( see attached ) .When we received a document on XXXX/XXXX/2016 stating our LTV is at 96.4 % ( see attached ) in response to our request to have PMI removed.We were completely " surprised '' unfavorably at what they were trying to do here. We feel completely trapped in a {$330.00} / month PMI payment to XXXX XXXX through PHH mortgages apparent and then blatant violation of RESPA. ( see attached ) Or else why would the amount be so much if it was n't being divided up among the entities involved? Per our mortgage documents the XXXX balances should remain separate for such calculations ( see attached ) Also note on this sheet that not only is it the wrong principal balance but also, but it is the wrong langauge as to what is defined as " late '' for their reasons for the denial of the PMI removal. They say " late payments made in the last 12 months '' not " late payments of 30 days or more '' as it should read. They have been doing things like these mentioned ever since we even tried to get a loan modification, now they are trying the method of attaching the interest bearing amount to the non-interest bearing amount which is unfair and makes it eon impossible to remove PMI. Just disgusting greed on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: WELLS FARGO & COMPANY
State: MN
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:
Over the past several years Wells Fargo has tried to charge late fees and other fees on my loans. I fought them because I knew I was n't late and I did n't owe them anything. I was never forced to pay anything after I called and fought them. Although I was called several times on several different occasions about fees I owed them. Also to go along with being told I owe them fees, they would not send me paper statements for almost two years. Their reasoning was that they did n't have a current address but the address had n't changed and was a valid home address. On top of all this my loans have been fluctuated in payments each month, I have a fixed rate. I have had a fixed rate since XXXX. I called and asked why this is happening and they said " Because of new government regulations ''.

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 2015-07-21
Company: Account Liquidation Services Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have written and disputed incorrect information on my credit report that belongs to another individual. The company refuses to delete the incorrect information from my credit report even after receiving my personal verifying information that is different from the negative items they are reporting. They are refusing to pursue the correct individual and remove the information from my account even with verifying proof that my identity and the other individuals are totally different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: Reverse Mortgage Solutions, Inc.
State: LA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX. In XXXX my husband was ill and obtained about XXXX. Medical bills were high and we missed XXXX insurance payments which put us in force insurance. We paid this for about 1 year. In XXXX, four years later, we recieved a bill for {$4500.00} for those three months of insurance of which we had already paid into for one year. Then my husband died. We were both elderly, XXXX and on social security. I lost my husband 's income. On XXXX/XXXX/XXXX an XXXX reasonable accommodation request was sent to the mortgage company, the servicer and the attorney. It was considered an at-risk extension request instead of a reasonable accommodation request and was denied on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX requested that I send the reasonable accommodation request to the mortgage company again along with medical confirmation of my XXXX. This was done on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a status was requested on the reasonable accommodation request and RMS stated that they did not have anything in the file from XXXX/XXXX/XXXX. So all was resent to XXXX and also to their attorney. There is a sheriff sale scheduled in one week on my home and I am not getting answers. I am being treated as though I never submitted my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint refers to the checking account with Wells Fargo opened on XX/XX/2016. This account was opened with the understanding that it is eligible to receive {$100.00} bonus after all qualifying transactions were made ( please see scans for details ). 
As pr requirement of this bonus offer terms and conditions, all qualifying transactions were made shortly after the account was opened. As of XX/XX/2016, no bonus offer was received despite the fact that I have tried to discuss this problem with various customer service representatives including from online department. 
Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In the summer of 2015 XXXX XXXX XXXX of FCB Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX verbally approved a mortgage for my family to purchase a newly constructed XXXX XXXX in XXXX XXXX. While in the presence of the XXXX sales team he advised us we were good and asked us to provide a deposit of {$19000.00}, in which we did. During the ensuing XXXX8 months when the house was being built we were called by XXXX inviting us to visit the house when it was near completion. XXXX gave us an access code for entry and invited us to a XXXX XXXX meeting for new residents. We completed their final walk through with XXXX and was provided with a final XXXX to close the loan. When we began the process of wiring the closing costs through the title company, FCB Mortgage called to say the loan could n't close. Suddenly on the day of closing, FCB changes programs and requires additional insurmountable conditions. Now we are being told we can not get our deposit back. 
XXXX XXXX was aware of the approval as they contacted us with closing dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation