BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After 4 years of applying for home modification with Bank of America, I received XXXX earlier this year. There are several issues that I have been trying to resolve and BOA has given me a run around. Issues include a new loan principal that is more that the previous principal, this new principal is more that what I had purchased the house for initially and my home value is no where close to this loan amount. While seeking modification, I have continue to pay the bank my mortgage albeit not the entire amount. Upon modification, there is not a trace that I had payed BOA save for my own bank statements. The money simply vanished. The documents I signed also are very suspicious as there are too many inconsistencies. I was told by an agent from the bank I should be happy I got the modification and I am not eligible again if I do not accept this mod, and I constantly had foreclosure threats leveled at me for the past 4 years. BOA reset my loan back to 30 years, did not reduce my interest rate and has tagged on a {$50000.00} fee that is due at the end of the 30 years and have not been able to explain the origin of this back-end loan. The only evidence of the existence of this bogus loan and my responsibility to pay it as a lump sum in 30 years is no where else but the modification papers. 
XXXX spoken to a few mortgage law experts, it seems there are quite a few violations with the loan and the whole process surrounding it. I would like an answer to all these issues once and for all and and hope this gets resolved soon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.

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 2021-03-04
Company: EQUIFAX, INC.
State: PA
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 credit reporting I have account with XXXX XXXX accounts it's been over seven years I've XXXX  and XXXX  remove that account from my credit report on the other hand Equifax when I try to dispute the account of XXXX XXXX account on XX/XX/XXXX my score went down XXXX points on the account never got removed from my credit report on Equifax and also this account was closed in XX/XX/XXXX but Equifax after I dispute the account on Equifax now it's a the account will closed in XX/XX/XXXX they keep sending the wrong information on my credit report this account should be removed because it's been over seven years I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During the summer, I was working with account manager, XXXX XXXX, of Fay Servicing , LLC to secure a modification. The loan was in my parent 's name who are deceased but I became owner after I filed the " Death of Joint Tenants at the XXXX XXXX XXXX XXXX Office. I was also appointed Administrator. 
I submitted the modification papers to her in early XXXX 2015 and provided the necessary supporting documents as requested. 
My last verbal communication with XXXX XXXX was the XXXX week of XXXX where she informed me that their company had to send someone out to the property to take pictures from the inside and outside to assess the property and to confirm that the property is actually being occupied. She said that this was necessary as part of the modification application. Someone from XXXX XXXX came the same day to assess the property. As soon as I received a copy of the assessment a three weeks later ( see attached assessment ), I received a letter from Fay Servicing reading that my modification I did not qualify for the modification and that I have been deemed ineligible for " Failure to submit a completed initial Package in the time-frame requested. " I called XXXX XXXX many times to explain my I received such letter when I have submitted all requested paperwork to her in a timely manner. She never returned my call. I left several messages on her voicemail. I even called to see if she was in her office. The operator said she was in her office. I sent her an email on XXXX XXXX, 2015 at XXXX. Pacific Standard time stating " I just received a letter from Fay denying my modification due to paperwork not submitted timely. I have submitted all paperwork to your office you requested in a timely manner. What is the issue? '' There was no response ( see attachment ). After several calls to her office again, I emailed her on XXXX XXXX, 2015 at XXXX stating " I have called and emailed you concerning my modification and you have yet to return my calls or email. If I submitted all my paperwork to your office as you requested, why was I sent a letter staying [ XXXX ] that my paperwork was not submitted on time. Last time, I called, the operator said you were in the office. I think it is odd that I am not getting any responses from your office. Please reply. '' Still, no response ( see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i am having an issue with the overdraft fees my bank is charging me. On XXXX I checked my mobile banking app to see how much money I had after a weekend of shopping. I spoke to a customer service rep and was informed that all the fees i incurred were correct to the sum of XXXX. This balance has increased to XXXX dollars in the matter of a week. A XXXX $ that comes out automatically should have been rejected if the funds were not available was processed just to turn around and give me a XXXX $ fee for the transaction. I find these practices to be criminal and predatory.

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 2016-04-12
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am writing regarding American Education Services. I have had a student loan out since 2004 for {$23000.00} and now 12 years later is only down to {$22000.00}. The interest rate is 3.75 %. I have XXXX the company to see if other people have had problems and there are XXXX of complaints about how people have been paying more than the minimum and the balance is not going down. I feel, after so long that this company is getting away with taking people 's money and would like it if you can do some more behind the scenes investigating. I believe this company owes us thousands of dollars that we have spent for something that should have been paid off years ago. 
Any help with this or advice on what to do would be greatly appreciated. 
Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: ARS National Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted on behalf of XXXX by ARS National Service to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to XXXX and not ARS National Service. I had ARS specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of ARS National Service '. I still have not received confirmation from XXXX that my balance was settled and paid in full with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: STERLING JEWELERS, INC.
State: MD
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
I was the victim of identity theft and endorsements, contracts, accounts, etc., were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with Kay Jewelers. I have NOT received benefit or value from the proceeds of the endorsement XXXX XXXX ), contract XXXX XXXX ), application XXXX XXXX ) and or the Kay Jewelers account XXXX XXXX ) directly or indirectly. All information pertaining this matter was given voluntarily for the purpose of establishing the fact of signature forgery and identity theft, in addition to blocking the information from my credit report, pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. Kay Jewelers continues to report an account I did NOT open and/or authorize. Possible endorsements were made using my correct personal identifiable information that were stolen and or lost. Additionally this matter was reported to the FTC and local authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I get calls from unknown number asking me to verify my information. I requested to know who is calling and regarding what. They would not give me information without verifying my personal information. The first person who called by the name of XXXX XXXX claims to be calling from the XXXX county office she states that there is a case filed against my daughter and are attempting to serve papers. They asked me to call XXXX and ref # XXXX. I called this number and asked what business is this they said XXXX XXXX they are talking about a debt which I owe Jared Jewelers {$300.00}. I informed them I have not received any communication can you send me the information by mail which they are refusing and stated that the matter needs to be resolved within the next hour and over the phone by paying {$890.00} or making payment arrangements of XXXX installments of {$310.00} or they would file a case. this i was informed by XXXX XXXX XXXX 's when I called over the phone to get further information. They are refusing to give their organization address or to send proper information regarding the debt. On this same debt we had threatening callings before a year back and now they have started again. They said we will serve the notice at my daughter 's work place. Which this information was not provided to them. They call blocking their numbers and leave messages. This debt does not even show on my credit report. Need your help I feel I am getting scammed by this people. The harassment needs to stop. 

The original creditor contacted me when I was behind and I explained the situation at that time I was going through. After that the original creditor never contacted me.

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 explanation
Consumer complaint received 2016-04-25
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
i have XXXX total loans from sallie mae. I made my 2 first months payments and i realized it way to high for me to afford. i made countless attempts over the phone to get them to help me make reasonable payments. they are very hard to speak to, never get the job done. i payed to be in forbearance so i can save up to be able to pay off the monthly loan payments which equal out close to a {$1000.00} a month. i barely make XXXX a year. they made me pay {$50.00} per loan to enroll me into forbearance. Then a few days after they started calling me for payments and they said sorry we made an error. They re read the terms and made me accept and them said they will mail me a typed letter telling me I am in forbearance from XX/XX/XXXX-XX/XX/XXXX and my payments will resume in XX/XX/XXXX. then letter stated otherwise saying the forbearance term is from XX/XX/XXXX-XX/XX/XXXX. I called them to correct it because i made my XX/XX/XXXX payment and agreed to a XX/XX/XXXX-XX/XX/XXXX in forbearance. They said do n't worry we got you covered. a few days after they called and said we cant enroll you in forbearance in all XXXX loans. The rep had made a mistake. So basically, they are n't making any efforts to resolve this issue and help me make my affordable monthly payments. please help me. im a student with $ XXXX in loans and i want to do my part in paying but i ca n't afford what they want from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
When I logged into my American Express account, I saw that I had a targeted offer. The offer was " Apply for an Upgrade to the XXXX card from American Express ''. The terms of the offer stated that, if I was approved, I would earn XXXX XXXX XXXX points after spending {$3000.00} in 3 months. I met the terms of the offer within this time period, but the XXXX points were not credited to my account. I contacted American Express several times, and each time they said I was not eligible for the offer. I think this is a bait and switch move. If I was not eligible for the offer, then why did American Express target me through my account website. I have a screen shot of the offer from when I logged into my American Express account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
BELOW IS THE EXCERPT FROM THE LAST CORRESPONDENCE I SENT TO MIDLAND : The last correspondence I sent your company dated XXXX XXXX, 2015 pertained to a demand for validation. Your company 's response dated XXXX failed to provide me validation of the account and at the same time you have persevered with reporting the account on my credit report. Additionally, instead of a collection account with a charged-off amount, the account is being reported as an open past due account, to make it illicitly appear as an installment account in an effort to have a greater negative impact on my credit score. This is a blatant violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA Sec 809 ). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
my account was hacked i notified the bank when i realize my money was taken out and a fraudulent check was put in my account.the bank reimbursed me now telling me the money withdrawl was ok. which wasnt the case. it was bank of America

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 2016-02-05
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been harassed by this company called Navient for the past 3 to 4 months about XXXX dollars that I don't owe them because I am still in school. I studied XXXX away from the University XXXX for a semester. Filled out and sent in a deferment letter and these people continue to harrass me to the point they are calling me at XXXX at night on a school night when I have to study for exams and do homework.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit to open an account on XX/XX/XXXX. The hold policy, per their receipt, said that {$4800.00} would be available on XX/XX/XXXX. As of XX/XX/XXXX, no funds have been released from hold. I did an online chat to ask why the hold was still there and was told that the whole amount would be held until XX/XX/XXXX. 

This seems a clear regulation CC violation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is attempting to change the terms & conditions aka " modify '' of my Line of Credit ( 2nd mortgage ) by INCREASING both the interest rate & Payment Terms from a monthly " interest only '' payment to a monthly " principle and interest " effective this month : XXXX XXXX. I can NOT afford this additional new expense. I have been a dedicated Client of Bank of America since XXXX. I have an outstanding Credit Score of XXXX or higher. 
I am a XXXX single citizen ( age : XXXX ). My only monthly income is my Social Security & a monthly small retirement of {$130.00} which pays for my prescription XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX XXXX XXXX ( 4 years ). I have NEVER been late on any payment. PLEASE HELP ME. My poor health wo n't let me work again. My car is 17+ years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: TX
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:
I am currently in XXXX XXXX bankruptcy as of XX/XX/XXXX. I am filing this complaint due to inaccurate information being reported by Experian in regards to my XXXX XXXX XXXX account. I have contacted Experian several times regarding inaccurate reporting of this account. I have also contacted Conns regarding late payment XX/XX/XXXX and CO ( charge offs reporting every month after my Bankruptcy was filed ) and they have assured me that they didnt report any of this. This has significantly lowered my XXXX XXXX. Experian is showing that this account was Charged Off, this account was never Charged Off and is currently being paid through my XXXX XXXX Bankruptcy, therefore, this is inaccurate information. 
This account is also showing monthly XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX and a late payment in XX/XX/XXXX, after the account was already in bankruptcy repayment as of XX/XX/XXXX.

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