BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, NY XXXX Good morning, We're reaching out to you, this morning, to bring to your attention the questionable behavior of Bayview home loans, as well as their attorneys, XXXX XXXX. 

My husband and I have been working with Bayview Home Loans since XXXX, attempting to negotiate a Forbearance Plan. We submitted a complete request package on XX/XX/XXXX and shortly thereafter were notified, via mail, by XXXX XXXX that there is a pending hearing scheduled for XX/XX/XXXX. 

Not only does Bayview have no record of REQUESTING this hearing, they have no record on file of the hearing date scheduled or of giving XXXX XXXX permission to schedule it. We've spoken to Bayview on three separate times regarding this matter - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On each of those conversations, Bayview Home Loans confirmed for us that there was NO HEARING SCHEDULED and they had NOT GIVEN permission to XXXX XXXX to do so. 

We're extremely concerned about this situation, given that we can't get a straight answer from either organization and we're asking that you step in and request that this hearing be immediately put on hold. 

Once again, we are actively engaged in negotiations with Bayview Home Loans - given that, under federal guidelines, no legal action can take place until the determination of our request is completed. 

I can be reached at XXXX anytime. Thank you for your assistance with this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: AR
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

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 2020-08-06
Company: EQUIFAX, INC.
State: AR
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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The loan modification in questions was originally submitted to XXXX XXXX XXXX on XX/XX/XXXX. After its transfer to SPS, documentation was lost and had to send same information several times-all via email. 

There is currently a trial date scheduled and opposing counsel is giving us some resistance with continuation based on the pending loan modification. I have confirmed on XXXX different occasions that SPS has a facially complete loan modification-the latest occasion was XX/XX/XXXX. ( The remaining item that they requested on numerous occasions was originally confirmed received XX/XX/XXXX and was sent four times additionally since that time. ) We just ask that SPS please communicate with their counsel to indicate that it is facially complete to allow time for a decision on the loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
In 2015 BofA suspended my home equity line of credit because my credit scores had dropped. I had never been late on any payment and there was a XXXX balance at the time. I inquired about the issue and was told my scores needed to be XXXX or above. I paid a 3rd party to help with this and increased my scores to between XXXX & XXXX ( current ). I requested reinstatement of the equity line from BofA and it was rejected. I just refinanced my home with a different lender and was charged {$450.00} to close the suspended equity line, plus {$39.00} for the payoff amount request. The suspended equity line was continuing to damage my credit, BofA would not reinstate it even though I had raised my scores well above the level they said acceptable. I understand charging to close an active home equity line of credit, however, suspending the account, damaging my credit with that action, and not allowing me to close the account without charging me {$480.00} amounts to extortion. I would like a refund of the {$480.00}.

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 2020-08-06
Company: Experian Information Solutions Inc.
State: AR
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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$1400.00}

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 2015-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of items I made on XXXX.XXXX.15 for the amount of {$73.00} from XXXX ( see attachment BofA statement ). I had already sent in all the information requested by BofA on XXXX.XXXX.15 ( see attachment pg XXXX ) but I have yet to hear from BofA. The items were refused and returned to the seller and the seller accepted return onXXXX/XXXX/2015 ( see attachment pgs.XXXX ). I could not accept the items and wanted to make a change in the purchase, but I could not contact the seller. Although all this information was sent to BofA, I still have not seen a reversal of the charges. I will be grateful if BofA issues me a refund as the itmes in question have be refused and returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been a student loan borrower for 10 years now and have been struggling with my payments since I had to leave college for not having enough funds to continue. Since then I have been through XXXX different job positions that have had nothing to do with my college education. I have been in deferment and forbearance multiple times because of my income based hardship. Even last year I was so desperate to bring my huge debt down that I found a loan forgiveness company, XXXX., and paid out {$600.00} and have yet to see any of my loans significantly decrease. I 'm sadden that it has taken this long and I have yet to put a dent in my ever interest growing loan. I have called Navient and XXXX multiple times to figure the situation out and I have only come up with giving up and paying Navient back. 

Currently, I 'm unemployed, not receiving unemployment benefits, and I just had a XXXX leave pay too. How is a person supposed to survive when my student loan payments are as much as my rent? I had to go on welfare just to feed my child. This is n't the life I thought I was going to have when I agreed to borrow money for school. I did n't know I would probably be going to my grave with so much debt. 

So now that you know my story and I 'm sure others, what can you do to help me? What can be done to help my situation of barely surviving in XXXX with a XXXX who needs me more than ever? 

Please do n't just ignore this email. Actually read it through. My story is n't too different from the million borrowers under you. We 're all struggling as a whole and all we wanted was an education to have a better life. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Bank of America reversed fees that were charged to my account by XXXX. There was a world wide computer glitch on XX/XX/2016 the day my child & I were scheduled to travel. I had travel insurance from XXXX. Which is a {$100.00} rip off. It claims to compensate the traveler for lost luggage, delays etc repatriation, up to {$25000.00} but it is pointless to buy as they could not help me at all. I bought tickets for myself and my child to fly from XXXX to XXXX because her father is in XXXX. The glitch happened as we were at XXXX airport & no one called us to say it was impossible to change the tickets. It is XXXX, we have a negative {$800.00} account & it seems bank of America will not look at the internet to see that there REALLY WAS A WORLD WIDE computer glitch that caused XXXX a serious problem, and that travelers are getting refunds.

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 2020-08-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I keep asking Comenity Bank to communicate with XXXX XXXX concerning an item I never received from XXXX XXXX. 
XXXX XXXX refuses to answer XXXX mails or the phone. 
Thre bank is trying to get XXXX fro me and I never received the jacket

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: CA
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:
XXXX  XXXX XXXX added an account to my Equifax credit. I am not liable for this account. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I recently changed names. I contacted Citibank customer service to get the change processeed, and was asked to snail mail a copy of the court order. I do so, and got a email confirmation saying my name had been changed. 

When I log into the account service center website, my old name kept coming up. I contacted Citibank customer service, spoke with someone with very broken English, and she was not able to get this sorted out. She wanted me to send the court order back in the mail again, despite me getting a confirmation that the change had been made. I told her it would be easiest to likely close the account. She asked me if I wanted to close the account and I said yes, but I wanted to change my address first. I told her I would call back another time to close it out. 

Around XXXX minutes after we disconnected, I got an email from Citibank saying my account had been closed. When I got the email on my phone, I called them back and stated that I did not authorize the account to be closed, was not read any disclosures or terms to close the account, and would like the action reversed. Nothing has happened yet. 

My credit scores are nearly 800. I had this account for several years and if its closed, it'll lower the average age of my credit history, thus lowering my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: Immediate Credit Recovery
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am currently in a rehab program on  XXXX  of my student loans. I was told the  XXXX  loan does not qualify for this rehab but that I can not make any payments on it until the rehab program is complete. I just received a wage garnishment on the  XXXX  loan and when I try and call the number on the form I am transferred around and hung up on or I get a recording and no one ever contacts me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
To Whomever It May Concern : Good morning. I recently got an alert from XXXX  that I got a report filed against me ( for not paying the membership fee ). My credit score has been reduced by 50 points. I have few issues with that : ( 1 ) I never received a bill for the membership fee. I dont understand, how I can be held accountable for a payment on a bill I never received ( especially during a covid pandemic ). The customer rep admitted ( on the phone ) that the bill may have been lost in the mail due to covid.

( 2 ) No one from Barclays reached out to me to notify me that I had a payment due. Instead of notifying me, they went behind my back and bypassed the process to maliciously report me to XXXX.

( 3 ) They have my banking information on file ( as the customer rep said on the phone ). Why did they not debit the baking account? What is the purpose of having that information on file, if they arent going to ever use it.

( 4 ) I have never used the card ( literally never ). 

( 5 ) I alerted them that I will be reporting them to the FTC and they seems to not care.

This is concerning a monthly bill I never received ( it should be a XX/XX/2020 bill that was due in XX/XX/2020 ).

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 2022-01-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the month of XXXX, XXXX I spoke to XXXX XXXX from Newrez Mortgage Company. He inquired if I was interested in refinancing my home mortgage to a lower interest rate. I informed him that I was interested. He sent me that forms for me to sign through the loan company 's portal, which I did. While, going through the process, I asked him if I needed to make XXXX 's payment. He stated that once I completed the process, I would not have to either make XXXX and/or XXXX loan payments. I continued to receive notifications to sign varies documents. Once again, they were all signed and forwarded back. I received an email from XXXX XXXX, the loan processor stating that I should close by XX/XX/XXXX. I made several attempts to contact XXXX XXXX. But, to no avail he never returned my calls. t should ne mentioned that in the month of XXXX, XXXX, I had a notary come to my home to sign loan documents. In the packet it stated that I would not have to make a loan payment until XXXX, XXXX. Exactly, what XXXX XXXX had stated to me. However, I learned that my loan was denied on XX/XX/XXXX. I received no notification of the denial in the month of XXXX or the beginning of XXXX. Now, I am responsible to not only pay this month mortgage but the late fees. This is highly inexcusable and unacceptable. I asked several times if I needed to make the following payments and was told that I did not. Now, my credit score will be affected from this misinformation. From my understanding the calls were taped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
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 took a Parents Plus Loan for my daughter in XXXX when she started at the XXXX in XXXX CT. It was $ XXXX. so {$40000.00}. I had to put it on forbearance a couple of times and here we are XXXX years later and the balance is {$47000.00}. Really? I have called Navient and all they tell me is that interest. I pay {$400.00} per month and it is not going down. I am going to be XXXX in XXXX and I DO NOT want this coming out of my Social Security check NOR do I want to hear Parents Plus Loans are not eligible. My daughter gives me the money, but over {$50000.00} has been paid. Why do we owe {$47000.00}?? This just is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Currently, Navient is reporting inaccurate status information to the XXXX credit bureaus XXXX, XXXX and XXXX regarding the XXXX student loan accounts. These accounts were not part of a Chapter XXXX bankruptcy, claimed filed with government, paid or being paid by Insurance Company. Additionally, the accounts have not been 90-180 Days or More Past Due. 

I have asked Navient & XXXX XXXX to STOP AND DECSIST IMMEDIATELY from reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Block, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I attempted to purchase fuel for my vehicle on XX/XX/2021 at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) using my CashApp card. Between these XXXX entities, the remaining balance on my card was drained, and I was unable to get any fuel at all. 
I spoke with the manager at the station, who said that the funds would be sent back to my card within XXXX days. 
I brought this up with CashApp who stated that they would open a case regarding this issue. Case number XXXX ( also : ref : XXXX : ref ) was issued to me XX/XX/2021. 
On XX/XX/2021, I was told that " We have received your dispute and filed a claim with the card network. As updates become available, we will keep you informed. 
Please note, the card network provides the merchant up to XXXX calendar days to review and resolve your claim. '' by support agent XXXX. 
I have yet to receive ANY form of update from CashApp to this point. Every attempt to seek further info ends up in a never-ending cycle of being transferred from XXXX rep to another and never getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020. I went online to the XXXX XXXX XXXX. As advertised, I ordered a blue and red XXXX XXXX for my grandson that his XXXX birthday was coming up. The price of the XXXX XXXX was {$240.00} plus I paid {$15.00} extra to expedite the shipping ( 5-8 days ) since my grandsons bIrthday was in 12 days. 3 days later, XX/XX/2020 my son tells me that I should call JPMorgan Chase ( my bank ) and cancel the transaction since that store is a scam. I call JPMorgan Chase immediately and explained the situation. The money was put back into my account. On XX/XX/2020, 31 days later, I received a Small package from XXXX. When I opened it it was a Mobile game handle. NOT A XXXX XXXX. I still have it. A month later XX/XX/2020 while looking at my bank statement I notice that JPMorgan Chase reversed the claim. I was never notified about any further actions to be taken about this matter. I called the Chase dispute department and explain to them what I had received. They told me to send all the proofs by fax. On XX/XX/2020 I send 2 pictures, 1 of the picture shows what I received and the 2nd picture shows what a XXXX XXXX is. Also pages showing the emails from XXXX XXXX company. On XXXX XXXX I received a letter stating that the transaction was authorized n that my claim was closed. They cited on behalf of the company. They also told me that they called the company and the company said they did send the XXXX XXXX. Obviously the person that did the research doesnt know the difference between a XXXX XXXX and a Mobile game handle, which was what I received. I am disgusted as to how unfair I was treated by the Bank. They did not look at my evidence. If that wouldve been the case, they wouldve cited on my behalf. I did try to reach out to the company ( XXXX XXXX XXXX but the emails were send back to me. If they do a research about that company theyll see its a scam.

Company response to consumer: Closed with monetary relief