BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/2021 going to store, checked balance : {$1.00} remaining. Down from {$120.00} 2 days before. Checked transactions online. " XXXX '' for {$60.00}, plus another $ XXXX {$40.00} in " unsettled transactions, international transactions, '' and other, small fees. Direct Express rep stated " fraud is obvious. '' Closed account, ordered new card. Called SSA to receive paper check as of XX/XX/2021. Confirmed change two, consecutive days. Direct Express agent have lots of information, then said a " fraud package would be mailed out. '' Even if I don't fill out paperwork in package, rep assured me " case would be investigated still. '' Package received today ( XX/XX/XXXX, mailed XX/XX/XXXX ). 
The Problem : I CAN'T GET ANYONE TO ANSWER PHONE!!! The other portion of fraudulent charges, " not settled, '' are due to be investigated. Since card is cancelled, and Direct Express is stating ( at phone XXXX ) the new card was mailed on XX/XX/XXXX, need to access my records in the Fraud Department. XXXX hangs up as soon as I input my number. Can't get through to Direct Express. 
I figure the company is in trouble and things are going badly. Customers have to suffer the losses, and zero-oversight save for XXXX XXXX THREE, YEARS AGO! Something is very off here. What little communication Direct Express offered has dwindled to nothing. My stolen funds are likely a sure loss now ; I might get lucky and have {$60.00} refunded, but not expecting much from this, government-subsidized entity. 
It's as if SAA recipients, with limited everything, are being thrown under the bus -- and nobody cares. 
Please help -- please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: PA
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:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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: Investigation took more than 30 days

Complaint:
I opened a private loan with XXXX in 2003 through XXXX XXXX XXXX. A few years ago unknown to me, I received a letter from a third party stating my account was in collections. I have been making regular monthly payments to the credit collection agency for the 2 plus years of XXXX per month. On my credit report, I have a charge off from XXXX even though I am still paying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been on hold for 1.5 housr trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.

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 2017-03-12
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My accounts were to be on defferment but I am now being garnished. navient is now trying to contact me to tell me I am missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied and received a Bank of America credit card 15-20 years ago. The card was issued with a 5.90 % fixed rate. I was just reviewing my statement and noticed that my rate has been changed to a 6.40 % variable rate. Is the issuing agency allowed to change my rate from a fixed ( as agreed ) to a higher variable rate without my knowledge or permission? I contacted Bank of America but they were unwilling to reverse the changes that they made.

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 2021-05-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wish to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for alledge [ Mortgage fraud, and Identity theft ] Please refer to File XXXX, XXXX, XXXX The bank knowingly filed a Document number XXXX based on a Fraud Mortgage that was submitted to CFPB by SPS. 
I XXXX 's supposedly signature on the Mortgage is ( Fraud ) and this Fraud was reported to SPS who services this mortgage on XX/XX/XXXX among other Notarized Fraud signatures of XXXX discovered on the loan process. 
Debt Collector XXXX XXXX XXXX XXXX who repeatedly filed Foreclosure lawsuits on behalf of Plaintiff XXXX XXXX XXXX XXXX was also Notified of the Fraud Signature on the Mortgage back on XX/XX/XXXX and they still filed foreclosure lawsuits and repeatedly ask the court for six months extension to prepare their ( Pretrial statement ) year after years. I don't understand why they threaten me like this and how long more years does this bank ask for more extentions if they believe the mortgage is Valid. 
I notified them of the Frauds and those are the same Frauds I intent to use in Court, based on their recorded XXXX XXXX which is also Fraud. 

Please see attachments on File number XXXX of attachments to support this complaint.My mortgage was recorded as Document number XXXX, so therefore if any other mortgage was recorded based on the Mortgage submitted to CFPB by XXXXelective Portfolio Services Inc. it is a Fraud and an attempt to defraud an innocent consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Navient Solutions, LLC.
State: MO
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:
XXXX sent a payment to Navient of {$120000.00} and they wo n't respond to e-mails or post to my account. I 've never been late on any payments. I believe they are holding to collect interest each day they do n't post.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Carter-Young, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX and XX/XX/2021 Carter Young Inc was notified by phone and email that the account associated to me is fraudulent. I submitted a police report and ftc report yet they so keep harassing me and the account is so on my credit report. I do not owe any amount to Carter Young Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: IA
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:
My name is XXXX XXXX and Im submitting this complaint on behalf of myself and for myself and will attach my State ID with this complaint for verification purposes. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2019 my wallet was stolen with my bank card and all my information in it pin codes and all. There was some fraudulent activity done on my account and when I found out about it my account was already closed. I asked them to do a fraud report but they told me they did but did not. Now they are reporting me as doing fraud to early warning service and I cant get any type of account business or personal. They didnt even try to do a real investigation. I was told there were some cashier checks that were deposited into my account and I had no knowledge of anything of that nature.

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 2015-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of XXXX/XXXX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX , CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all XXXX credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home. 

XXXX/XXXX/XXXX, Bank of America, called me to extend / delay response for XXXX more days. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
TILA Rescission letter was mailed on XXXX XXXX, 2010. The effect of TILA Rescission is, as a matter of law and by operation of law, to cancel the loan contract, and to render the note and mortgage void. The matter is well settled, to wit : the rescission exists, it is effective as a matter of law. The rescission is effective upon mailing. The pretender lender, Bank of America N. A., do not dispute that rescission has occurred but seek to invoke issues in a case that is not and can not be before any Court, to wit : whether the rescission is effective. And they seek to do so through motions in which they deftly avoid the requirement of pleading and proving facts in a proper lawsuit to vacate the rescission, thus depriving the homeowner of their right to raise appropriate defenses to the non-existent lawsuit seeking to foreclose. Pretender lender want the courts to enter an order that would impliedly vacate the rescission. The pretender lender seek to have the court assume facts about the consummation of the alleged loan including the date or dates when consummation occurred and the source of funding for the alleged loan. They even want the court to assume that disclosures were adequate. They seek to have courts adopt the premise that the rescission is not effective upon mailing if there are potentially defects in the reasoning or actions of the borrower. ( XXXX v Countrywide ). SCOTUS clearly stated that the rescission is complete upon mailing, regardless of whether it is disputed or not. This eliminate the right of Bank of America N. A., et al to raise a challenge. All three branches of government are in unanimous agreement : TILA Rescission is effective upon mailing by operation of law. Nothing further is required from the borrower.

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 2015-08-28
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested original documents from the Debt Recovery solutions, LLC., but they stated that they have no copy of any records sign by me, and ca n't give me no records whatsoever. I believe this charge to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In paying my mortgage, when I make payments ahead say on the first of the month, and then another payment on the XXXX of the month, and another on the XXXX of that same month- they charge the full amount of interest each time even though it is 2 or three months ahead of the scheduled payment. I also found out that this is almost an interest only loan, which I definitely did not want. They also say there is no prepayment penalty, but I am only allowed to make payments 3 months ahead?? When I tried to refinance with bank of America a couple of years ago, the loan officer I spoke with said he was very sorry and could not help me. He did not understand why anyone would put me in that type of loan??? 
They also were checking my credit if not every day, every other, which adversely affected my credit score, and made it so I could not refinance. I started out with an ARM with Bank of America and in 2010, I was ill with XXXX XXXX, and missed a lot of work and when the first increase hit, my payment jumped up so high, I was having difficulty making the payments. I called them after a couple of months and asked what I could do, they put me in touch with the home retention team which said they could help. Then when I tried to make my monthly payment, I called in to customer service or tried to log in, it automatically transferred me to the home retention team. So no one there answered the phone, I had to leave a message and someone would call back. Well, I live in Alaska and work M-F, I am not allowed to make or take phone calls at work. 
So they would call and leave me a message and the payment would not be made. This went on for months. They were also adding interest back onto my mortgage every month making my mortgage much larger than when I started, and also reporting me to the credit bureau. By now my credit is very poor from them checking my credit all the time, and from me not being able to make payments.So when the home retention team finally finished, I was in a very bad situation. Then in the midst of all that, my husband passed away. I am caught up now, even ahead, but my interest rate is now at 7.6 % and I need to refinance, but am having difficulty. I hope you can help me out.

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 2021-05-11
Company: DISCOVER BANK
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 There is a scam transaction of {$1000.00} from my account. I called my back but they are not able to refund this amount to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, after having contacted Capital One to confirm that there would be no fees for transfer or for exchange of currency from Euros to dollars ( Capital one claimed that there would be no fees ), I chose to initiate an international transfer to Capital One, rather than the XXXX XXXX XXXX XXXX, who charges {$25.00} for international transfers. However, Capital One did not disclose that they do not use the Federal Reserve and a good exchange rate, but rather use an intermediary bank that charges not only a fee but also uses a poor conversion rate that results in a loss of approximately 2-3 % of the funds. Since I use a major credit card with no fee, I'm aware of how much variation there is in the currency exchange rate and this far exceeds normal variation. In addition XXXX uses the Federal Reserve currency exchange rates and I will be using them in the future to avoid this problem. In response to my complaint, Capital One has stated, " Capital One received funds totaling [ [ REDACTED ] ] Euro and converted the funds to US Dollars at an exchange rate of 1.153, which was the accurate rate for XX/XX/2021. Please know that resources available online to consumers often show exchange rates for bulk conversions in the millions of dollars. '' Note that the exchange rate on XX/XX/2021 was in fact XXXX, and was never below XXXX during that entire 6 day time period, and that XXXX in no way represents an accurate rate for XX/XX/XXXX, XXXX https : //www.federalreserve.gov/releases/h10/hist/dat00_eu.htm Is Capital One not required to disclose the use of an intermediary bank or subpar currency exchange rates? This represents a huge loss of funds that was not disclosed to me, and thus represents deceptive banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing added an escrow account right after they bought the mortgage from XXXX in XXXX XXXX without any right or notice. Mortgage was originated in XXXX XXXX by XXXX with P+I only. Taxes and Insurance were always paid on time by borrowers. The amount was almost XXXX that we always paid. We called several times through out XXXX months periods and sent certified letters. We never received a response. We sent more than XXXX thousand ( {$5000.00} ) extra, but the statements never reflected it. As of today there still misapply funds to our account. At one point we decided stop sending payments due to the mismanagenmet, misrepresentation, contract violation, etc. Green Tree started making nasty calls including at place of work several times. They promised a loan modification that never happened after we paid XXXX months trial by XX/XX/XXXX. Right after they filed for foreclosure. We responded to XXXX XXXX County, Florida court house in time every time. We showed up at the hearing XX/XX/XXXX when the judge ordered having a Conciliation conference call which we had and Green Tree and his lawyer confirmed having all paper work and promised to send a modification which never happened. We provided enough proof to the court house and Green Tree of the mess had created. I hope this will help in the process of so many victims of Green Tree and CFPB along with other government entities to settle a case against Green Tree. Green Tree should NOT have a license to operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Self Financial Inc.
State: MD
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:
On XX/XX/XXXX, SELF agreed on removing the inaccurate information on the 3 credit report companies such XXXX XXXX and XXXX ( see letter attached ). XXXX and XXXX had removed this account from my credit report already, however, XXXX hasn't done anything to correct this inaccurate information. Please send another universal update to remove this account from my credit report immediately. 

ACCOUNT : XXXX XXXX XXXX {$0.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021, I have challenged the validity of these two accounts ( XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ) thats being reported on my most recent credit report. Upon challenging this, ( XXXX  ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately as I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
When I originally received a loan modification about 5 years ago they told me it was a 30 year fixed step loan that would eventually cap off at 5 %. They are now telling me it is an interest only loan and that it will amoratize in 2019 and the payment will increase by about {$500.00}. The documentation attached clearly states that the loan type is a fixed rate and it also states that the payment amount is principal AND interest, not interest only. 
My modification was not thru HAMP but was one of GMAC 's in house modification products. The loan has since been acquired by Ocwen and I have tried to modify several times, as I want a fixed rate loan that is not going to amoratize. Ocwen has turned me down because I either make too much ( not taking into consideration my amount of debt ) or that I make too little due to my debt to income.

Company response to consumer: Closed with explanation