BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint a weeks ago and bank of America 's attorney responsed with a complete packet of everything that has happened with my loan but the problem is its all lies.I have tried from the beginning to WORK withBoA to resolve my problem.They are the ones who always block an opportunity for me to keep my home.This home means everything to me since my late father was the one who did all the work on it and it always makes me smile I still see him on the ladder or painting. 
I first call XXXX XXXX and they contacted BoA and they told me I would be getting a packet and my payment would be XXXX, problem packet never came.Went to XXXX, My housing counselor XXXX XXXX called Bank of America once again I was told my packet would come in the mail in 2 weeks, problem never came. 
My house was onb sheriffi 's sale XX/XX/2010, I got an inhouse mod that was almost XXXX. more, signed the paperwork and send my first check only problem they said they got the check but no paperwork.I am trying to show their tactics in dealing with me.I am sick to my stomach at the thought of losing my home but I ca n't believe that this nightmare has been going on for almost 7 years.Please I am enclosing some documents which show they are liars and have been doing this to me with only one intention to throw me out of my home.

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 2017-02-10
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
It has been over a year since I sent the first complaint to CFPB regarding Navient and still nothing has been done ... During this year I have been doing all the research that I could to find out what my options are for repaying because Navient refuses to disclose those options. I have verified those options with the Navient representative and was told that they exist. We have discussed them at length and concluded that reaching a settlement was the option left. Since my funds were limited I have asked friends and family to help me come up with a sum that Navient could agree with. After many months of going back and forth and several representatives later, I was able to reach a settlement amount. This settlement and the terms were verified by XXXX, the rep with employee # XXXX at Navient. She told me that it was all approved and I can send it the money. I requested that I receive a letter with that approval as well as listing the amount and terms on that letter. She refused to send one and that 's when I filed a complaint with CFPB. I did n't get any calls from Navient to address this complaint but instead I got a letter with a totally different amount and terms. When I called back she denied that she agreed to anything and that I need to make up my mind and pay and hung up. I called back several times and after many calls she finally admitted that there was an amount agreed but that it was out of her power in what happened. After few more calls and pushing to get information I was told that her manager XXXX XXXX and the director of Portfolio Management department named XXXX XXXX, decided to not fulfill the agreed upon amount and terms for settlement and was told that now I owe the full amount otherwise I will be taken to court. I was also told that they have the power to come after any penny I make as well as force the sale of anything in my possession or ownership. How long is Navient allowed to exist with these type of business practices? Where is the oversight of such a bully? Does anyone even read these complaints at CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  Account # : XXXX Wondering why you are reporting that I am 120 days late? Please also provide through this system the date of 1st delinquency, or the day/month/year I was 30 days late and never again came current? 

Why are you still reporting this account? Personally, this account seems to have aged out and can no longer legally be reported!! 

Furthermore, You have not supplied TransUnion with a date of last payment, you have left it blank, therefore another FCRA infraction.

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 2015-04-29
Company: Western Portfolio Assets
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted on XXXX/XXXX/XXXX by a woman who identified herself in a voicemail, stating I would be served papers on XXXX/XXXX/XXXX at my home address, between the hours of XXXX-XXXX. On XXXX/XXXX/XXXX, I received a phone call at work, at approximately XXXX, from someone who identified themself as someone from the local county office of where I live. I was told that I failed to receive my papers for a lawsuit, and to arrange being served, she transferred me to a gentleman named XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX stated he worked for the Litigation office, and that he would help me with having the process server rerouted and not to appear at my place of work. 

I inquired on the matter of what I was being " served '' for, and XXXX XXXX explained that it was and old Debt, from XXXX XXXX XXXX, which was defaulted in XX/XX/XXXX. By law, XXXX XXXX has 4 years to pursue a lawsuit against me to recoup their debt. I was instructed to make arrangements for the settlement outside of court, or I would be served papers for the lawsuit at work. Also, XXXX XXXX tole me that failing to be served is the same as failing to appear at court and my wages would be garnished, as well as a lean would be put on my house. 

Being suspicious, I called and explained the situation to the Attorney Generals Office. The person who I spoke with in the Consumer Protection Division, agreed that she thought this sounded like a scam. 

I called XXXX XXXX back, at XXXX XXXX XXXX ( XXXX ) and stated I thought this was a scam. He became very upset and, among other things, proceeded to tell me that he would contact my employer and garnish my wages. I instructed him to not contact me at my place of employment, and requested that I be notified in writing of the debt to be validated. I also asked for the address and number of his company, but he told me that I did not need that information and that it had nothing to do with my lawsuit. 

After XXXX XXXX hung up on me, he contacted my company 's accounting department and stated that my wages were to be garnished and he would fax over the paperwork. As of yet, we have not received the paperwork.

Company response to consumer: Closed
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: CA
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 am writing this because back in XXXX of 2020 I filed disputes with XXXX  Experian and XXXX. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.

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 2016-06-09
Company: BB&T CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I traded in a vehicle on XXXX XXXX ( XXXX XXXX ) and bought a new car.! week later a collection agency calls me at work and was rude at best wondering why I have not made my payment on the XXXX. I explained to him that the vehicle was traded in and to who. It is a very reputable dealership. He said OK. Today he calls my wife and starts giving her a hard time and making idle threats about posting to my credit report and legal action which I think they already did because my score dropped XXXX points today after being told it was traded in and to whom. So I contacted the dealer and they are going to give me documentation that the XXXX has already been paid off by them. So it appears it is their own documentation that is not in order and now they have hurt my credit score and have phone ethics that are not very good.

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 2015-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was forced under personal cirumstances to file chapter XXXX bankrupcy in XX/XX/XXXX. I continuedto live at my house awaiting a foreclosure notice, which has as of this day has not happened. 
I vacated the house in XX/XX/XXXX. I continue to receive complaints from the county about propertymaintenance. I have contacted the loan co., but all they want to talk about is me making an offeron the amount of loan. There were some irs liens on the property. I just wish to get the property out of my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Navient Solutions, LLC.
State: WA
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:
My daughter was to be on an auto pay program for 3 months so she could qualify for a 15 month payment program. Navient took out the XXXX payment for XXXX, but not for XXXX ... .so she is 'late ' again. Their fault, not hers. More fees and bad credit, on her, and me as a cosigner. This has happened over and over again, and we have documentation. Looking for help with legal issues to sue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been a client of BB & T Bank for over 15 years. As of XXXX XXXX, I have noticed numerous unusual charges to my XXXX Checking Account and fraudulent activity on my account and have asked the bank to assist with no help at all and continuous bank charges are being accessed on my account and I need some help in resolve and to recoup monies owed to me by my financial institution. Also please note XXXX XXXX the issued a chip security card with my old atm debit card number XXXX cards were active until XXXX XXXX. Claim # XXXX, XXXX, XXXX ( pending )

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 2015-06-02
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I enrolled in the XXXX XXXX University ( XXXX ) after responding to advertising that said I would be placed for employment upon graduation earning {$75000.00} per year. I applied for a Federal Student Loan but came to find out I was placed into a high cost private student loan. I hired an attorney. My attorney requested documents from XXXX and from Navient Solutions , Inc. XXXX is refusing to turn over my records and Navient Solutions , Inc. ( XXXX XXXX ), after receiving a request to turn over records sent my co-signor a demand letter threatening a lawsuit. My attorney has since given 30 day notice of my election to arbitrate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received XXXX calls at work from this lender after I asked them to stop calling me at work. The person responsible is XXXX XXXX at XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: CA
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:
The interest on my loan needs to be recalculated. I initially took out student loans in XX/XX/XXXX-XX/XX/XXXX. Later I returned to school from XX/XX/XXXX-XX/XX/XXXX and during that time the previous loan was not deferred while I was in school. My current loan servicer, Navient, has no record of attendance in XX/XX/XXXX-XX/XX/XXXX, and the advocate says they can not do anything despite having official transcripts presented to them. In searching the Dept. of Education Database, there is no record of my attendance during the years of XX/XX/XXXX-XX/XX/XXXX, therefore the loan was never deferred and interest accrued. Additionally, I question the interest charges during the period of XX/XX/XXXX-XX/XX/XXXX. During these years I was a student, on welfare and was not offered deferment of my loans. I need assistance in obtaining the true amount owed at this time after the interest adjustment. I would appreciate having someone who can help me a ) submit the official transcripts for school attendance from XX/XX/XXXX-XX/XX/XXXX to the correct contact, and b ) revisit the circumstances of the period during the years XX/XX/XXXX -XX/XX/XXXX, leading to a recalculation of my current loan balance. Your help is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received back pay from my unemployment settlement in the amount of about XXXX. I dont have a checking account or prepaid account that I could have sent my funds to so I sent them to a relative account! Capital one subsequently locked and froze the account and wont realize my funds to me or my cousin! I have went into several branches with two forms of identification and birth certificate and my unemployment judgment and capital one still wont release my money! Its almost going on two months and I cant get a call back or a reply! I dont have any money to obtain a lawyer and I really need help! This bank has basically stole XXXX and wont tell me anything or return my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I.Q. Data International , Inc ; Collection company refuse to cooperate with my request for Debt Validation over and over again, ( illegal collection practices ) this is the info I sent them : Dear Sir/Madam, I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it. 
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. 
Texas Finance Code Section 392.202 requires a debt collection agency or / and credit bureau to provide the alleged debtor with specific information concerning their debt including : Please dispatch copies of the following with your reply:1. The agreement which authorizes you to collect debt on the assumed debt. 
2. The signed agreement from the debtor confirming to pay the debt. 
3. The documents regarding the payments made on this account and validation of the amount. 
The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety Bond information I request that the debt collector and or credit bureau reply in writing to ensure that there is a record of all correspondence between myself and the collection agency. 
And they have fell to response to 3 letters, causing further harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had a federal student loan with XXXX ( now Navient. ). I 've been paying it since XX/XX/XXXX. The original amount was $ XXXXwith XXXX still outstanding. I 'm having trouble getting statements from Navient. Paid {$59.00} on XX/XX/XXXX and received a notice dated XX/XX/XXXX stating that my payment ( in XX/XX/XXXX due XX/XX/XXXX ) was not received and that {$28.00} was now overdue. 

I only have XXXX XXXX benefits to live on and feel that Navient is just harassing me about payments. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
During end of XXXX, 2015 - I opened bank of america Basic checking account as part of the promotions whichs says:1 ) XXXX direct deposits of {$2000.00} or more within the first XXXX days. 
2 ) Either have a direct deposit of {$250.00} per month or maintain an average daily balance of {$1500.00}. 
Both the conditions were met much before end of XXXX, 2015. I was told in various customer service chat and otherwise on the phone that if the conditions are met then within XXXX days they will give me the {$300.00} promotional cash back bonus. I keep on following up during XX/XX/XXXX on wards - i keep on getting different versions like " we are still doing verification etc ... '' All my direct deposits were qualified direct deposits. But it 's more than the stipulated XXXX weeks and i am yet to receive my {$300.00}. I am just spending time and efforts in terms of following up on this issue to get nothing out of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Paypal opened a credit card account without my permission and stated such on a call to custonmer Service

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 2021-01-16
Company: EQUIFAX, INC.
State: IL
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:
im a victim of identity theft and several accounts were open in my name. XXXX XXXX  and XXXX  XXXX, please delete these accounts i have never had nor benefited from they. they were open fraudently

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Credit Protection Association, L.P.
State: FL
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:
When moving from my prior residents I turned in equipment for wifi cable/internet. After several calls to XXXX I was assured this issue was resolved. XXXX listed me with XXXX wifi routers. I explained to them on numerous calls that I had only XXXX wifi router as this is XXXX home and they agreed. I did have the router replaced because it was faulty over a year ago and XXXX stated the person who handled my case obviously did not log the equipment as returned and this caused my record to show XXXX and I was assured this will be taken care of and I would not have any further issues and now I have received a box to return equipment and I continue to receive a collection notice for something I do not owe.

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 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Besides a stack of XXXX plainly forged checks on Bank of America ( BOA ) which I recently submitted the complaint to CFPB, I would like to dispute another problem with BOA as follows : Recently BOA claimed a delinquent utility bill and automatically paid for it on my behalf, and then debited it on the monthly home loan account dated XX/XX/XXXX as " current period fees and charges ''. I did not have any details of the utility bill, but I presumed that it incurred before the date of release from prison on XX/XX/XXXX, and during the staying in the prison from XXXX to XXXX. I do not see any reason and any way to subscribe the utility service for my house at XXXX XXXX XXXX XXXX, XXXX OK XXXX that has been vacant without any authorized occupant and extensively damaged due to multiple break-ins ; the valuable properties in the house and the vehicle in the garage were stolen off ; so were ID and several credit cards ; check books of XXXX banks including BOA ; personal, investment and legal documents happened XX/XX/XXXX. In the light of identity theft and frauds in the time frame XX/XX/XXXX -- XX/XX/XXXX, I believe that the utility service was subscribed by fraud or unauthorized subscriber ( s ) unless BOA can prove otherwise or offers any logical explanation or speculation. 
I would like to have this problem be corrected fairly, or a credible and accountable explanation from BOA. 
Respectfully XXXX XXXX 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