BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: EAST WEST BANK
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The Lender - East West Bank, XXXX. and its management XXXX XXXX and XXXX XXXX retaliated against me for filing a complaint of discrimination on my mortgage loan account last year and filing an civil action thereafter. In XXXX XXXX and continuing to-date the company and persons shown above assisted by ex-boyfriend XXXX XXXX XXXX and his attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX in having my XXXX ( XXXX ) year-old daughter XXXX XXXX XXXX from my home and placing her in XXXX with the XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. Upon completion of the XXXX they caused the related court attorneys and Judge to transfer the custody of my daughter to XXXX XXXX. As a result of their actions me and my daughter have been severely harmed as we are not alienated from each other and she can not come home to me. They also limited our visits to see other. From what I know now, the Bank/mortgage lender and its management may have caused my ex-boyfriend and other persons/tenants to target me as they all know each other and the property is now owned by them along with the bank management or associates of the same. The property amounted to more than {$5.00} XXXX dollars. Additionally, me and my mother have been physically harmed as a result of their intrusion even though the police authorities have failed to investigate the matter and mislabeled it as me " having an XXXX '' along with my ex 's attorney XXXX XXXX. It appears that there has been an increased trend in this method of attack on the debtor 's family to steer them from continuing to handle the mortgage payments/prosecute wrongful foreclosure. Additionally, it appears that persons hired by them have caused for the taking of financial records to examine the financial ability of the clients to overcome the foreclosure and allegations of mortgage lates. Finally, XXXX property located at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX was foreclosed upon and I was wrongfully charged with a {$4000.00} appraisal and other charges of more than {$10000.00} without warrant, and management was associated with the buyer who cancelled escrow leading to the property foreclosure. Finally, the bank 's management caused for an intepleader action to be filed so I would still incur attorney fees from the proceeds of the foreclosure sale. To-date the funds left at their disposal even after XXXX XXXX XXXX XXXX or more months following the foreclosure.

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
Consumer complaint received 2017-03-31
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is w Citi-mortgage, they are reporting me as a derog, on all XXXX of my credit reports. ( XXXX, XXXX, XXXX ). I filed a Chapter XXXX, and was discharged XX/XX/2011. They are reporting a credit history, Acct # ending in XXXX. I am trying to buy another home and this reporting is not allowing my fresh start. I have paid the price for my bankruptcy. This needs to be deleted as its not reporting correctly. They also sold my loan. I have no contract w them. I have already been denied credit, this is now slander with damages. I have already suffered damages from them.They can not report a history or what payments were. They could only report included in bk and was discharged nothing more. Therefore its in-accurate demand a deletion immediately. I demand a corrected report be sent to me with the updates. My reporting appears as a foreclosure. I am still paying on my home but with a different mortgage company and I 've never been late.

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 2016-04-05
Company: SLM CORPORATION
State: NY
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 have previously submitted a report on XXXX XXXX and XXXX, now I would like to submit my complaint with SallieMae. 

I have XXXX SallieMae loans, XXXX being 7.2 % interest equaling {$7300.00} and the other being 3.5 % interest equaling {$6000.00} ( I believe 3.5 % is the lowest on any of my private student loans so only XXXX of them is feasible ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of XXXX 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: RedBrick Financial Group 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:
I have been trying to have an account ( # XXXX XXXX with Redbrick Financial that is not mine removed from my credit file from XXXX for over a year. However despite much evidence the company Redbrick Financial located XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX placed this on my report refuses to remove. 


Despite multiple requests to review Redbrick refuses to remove said account from my report and has caused me irreparable harm. 

Redbrick not only refuses to agree with the removal but has made fraudulent statements to XXXX and my attorney regarding this account. Redbrick falsely claimed they Verified my signature. How do they verify my signature without my signature? 

Redbrick failed to conduct minimal diligence despite sufficient evidence submitted to the contrary and multiple requests/disputes. ( Evidence attached of disputes filed in XXXX and XXXX ). One of the disputes attached is from XXXX who agreed to remove in XXXX. XXXX refused to remove in both XXXX and XXXX. 

Redbrick refuses to investigate my disputes and or acknowledge that I am not a signor on the account in question. I have provided above and beyond what is required to show the account is not mine and should be removed. 
XXXX XXXX was last point of contact at Redbrick. 

I ask that you investigate the business practices of Redbrick. Their failure to remove this account from my file has caused me personal and financial harm and they should not be permitted to operate in such an unscrupulous manner. 

I have also attached two letters ( witnessed and or notarized ) submitted to Redbrick yet they still refuse to remove account from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
FedLoanServicing emailed me on XX/XX/XXXX that they were processing my application. On XX/XX/XXXX they left me an electronic message on their website that I was not eligible and to furnish requested information to reapply. I uploaded the requested information to their file via PDF format 2 business days ago and have not received any email at all confirming that they are processing the PDF file. So in other words, information requested was uploaded onto my account electronically and no message whatsoever that it was being looked at or responded to. I mailed a completed application today just to cover all bases but I am very concerned that FedLoanServicing is becoming grossly incompetent without any way to contact for any sort of a timely response. I have been with FedLoanServicing since XX/XX/XXXX, and they have never been so late with response. Prior to XX/XX/XXXX, FedLoanServicing service was fast, competent and complete. I am very concerned, and I have no way of knowing if or when my application or my information is being read or considered. There is no accountability, and the turn around response rate was never close to being this late. There is no one to call and ask, just random service reps who politely answer calls, assist as they can and patiently explain details. The customer service reps are the only line of communication until a written electronic response is finally made. It never took so long to receive a response to application from the processing dept. as it does now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is not updating my credit score. Failing to report, and add or remove relevant information. Credit score hasnt changed in XXXX years.

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 2016-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am being excessively and double charged for the transactions. A total of {$47.00}. XXXX transactions went through at XXXX, and funds were automatically added at XXXX as well. No charges should be applicable. Shame on 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 2017-03-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
It has been 30 days since Experian received my dispute regarding XXXX. They are unable to verify the accuracy of the account, yet they refuse to delete it. In truth they have had 6 months to investigate.

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 2017-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX accounts from XXXX and XXXX are fraud accounts, located under my name, i have received both letter from XXXX and XXXX that they have given permission to XXXX major credit bureaus to remove them, all have removed except experian which are very stubborn and are not willing to do so, each time they say they have not been verified as fraud. no matter what the letter are stating. 
please help me to remove these fraud accounts.

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 2021-02-19
Company: BMW Financial Services NA, LLC
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:
There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

BMW FINANCIAL SERVICES - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have refinanced my home, with a payoff date of my mortgage with Ocwen of XXXX XXXX. Although the balance on their website showed as XXXX on XXXX XXXX they still processed a payment of {$1300.00} on this account that had a XXXX balance. Since I was not expecting this I was left {$700.00} overdrawn on my bank account, and had to borrow from another source. This morning when I called them the XXXX person I spoke to got testy with me and blamed it on the title company for the refinance. Luckily I was disconnected from her. I got another gentleman when I called back, and he said he would try to expedite my refund, but that it still could be 5-10 business days. Is that fair?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: KY
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:
Been paying my student loans ( XXXX now Navient ) for over 13 years on time, a while back I revived a notice from Navient stating they were restructuring/reconfiguring my loan because of the new Obama law allowing for the extension of the loan. Well I did n't major in accounting or mathematics but I understand that if you extend the terms of the loan it costs you more ( yes it may lower your payment upfront but adds several XXXX dollars in interest ). So they changed my payment structure and I told them that i did not want it changed and they said it was the " new law ''. I asked if I could renegotiate the plan and they told me that they do n't " negotiate '' the loan amount, I stated so you can change the terms without my permission but I can not negotiate my payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
While in XXXX college I decided to move on an pursue a degree at a XXXX college and decided to look out of state. After applying and getting into XXXX XXXX XXXX, I worried about the cost of attendance and wondered how I could pay for this. My parents who at the time were supporting XXXX children with only XXXX income decided to send me to college, but looked into federal loan options to help me. After finding out that the federal loan system would give me less the a fraction of the tuition ( even though my parents did not make sufficient enough money to support our family and send me to school ) so I had no choice but to look into private loans. I was completely incompetent with regards to any financial literacy and Sallie Mae took direct advantage of that by assuring me and my parents that the loan would be easily repayable and that there were repayment options. They also denied my parents as co-signers and made me look to other immediate family. Now after graduation I am in over XXXX dollars of debt with over XXXX in interest because of the ridiculous rates and I only make about XXXX of the total in salary every year. I also have XXXX in federal debts and have filed for repayment programs to assist me in this crisis. Looking back on the experience, I was persuaded into accepting a ridiculous loan that in the end was a terrible investment because the education I received was EXTREMELY poor for the cost. I would have never even considered this loan had I had not been to young and nave to realize what a dangerous mistake this was, but the company took complete advantage of the fact that the material was so new and confusing. Terrible education should not cost that of a mortgage and because of this reality the education system has truly failed students looking for a better future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please Reference Complaint # XXXX I am being retailed against by Wells Fargo for filing a complaint with your agency. 

Please read the email attached, I received from Wells Fargo today. 
They are requesting information that was already provided, asking if the house is vacant - after I was instructed to vacate the premises! Wells Fargo 's counter offer on the house which was listed " As-Is '' for {$590000.00} a year ago is now countering their offer to settle for {$700000.00}. 

The bottom of the email said " This correspondence is for this particular loan ONLY. The guidelines outlined above are specific to this loan and should not be interpreted for all Wells Fargo Home Mortgage loans '' This is Blatant retaliation for filing a complaint with the CFPB and asking assistance Senator XXXX XXXX for assistance. Email from Senator XXXX XXXX 's office attached. 

Wells Fargo has to stop!

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 2017-03-11
Company: ALLY FINANCIAL INC.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had requested a 2 month extension on XX/XX/2017. I did n't receive the extension agreement until XX/XX/XXXX. Submitted the paperwork and payment XX/XX/2017 which met the 10 day deadline as stated in the letter. XX/XX/XXXX rolls around and the staff are calling me telling me my loan is past due and requesting payment. I explain whats going on with the extension and such. The agent says he looked into the account and seen that the extension is noted but hasnt been granted. Therefore he would email the extension department to get the situation resolved. XX/XX/XXXX rolls in and I begin getting calls again. I explain the same situation. The agent starts telling me that the extension expired because I didnt make the minimum payment by the deadline. I explain I did make the payment on the night of XX/XX/XXXX. She stated she would look into the situation again and contact the extension department to see whats going on with my account. XXXX, same thing happens, but this time I requested to speak to a supervisor. The agent put me on hold for 3 to 5 minutes, and then came back on the line stating that the supervisor was busy and unable to assist me. XX/XX/XXXX, I get yet another call and explain the situation. The agent says the same thing, that I 'll contact the extension department. I then requested to speak to a supervisor as well, as I 've been getting a run around. I requested to speak to a supervisor. The agent put me on hold for 3 to 5 minutes, and then came back on the line stating that the supervisor was busy and unable to assist me, but assured me that she contacted the extension department and they will be looking into the situation. XX/XX/XXXX, I was on the phone for 22 minutes still dealing with the situation. finally getting transferred to a supervisor. I explained to the supervisor whats going on, and she explained that she would be looking into the situation directly and will contact me back. I received a voicemail message on XX/XX/XXXX from her to call back. I called back, got another agent, and was not allowed to speak with the supervisor and was told the extension was never granted because the extension agreement was supposedly not signed by me. I spent 35 minutes on the phone explaining to the agent what happened, she finally offered me another one month extension. Same thing is happening with this extension as Im getting calls about every 3 days and I explain that I requested an extension and all that jazz. Everyone tells me that they will get it taken care of, but I keep getting calls.

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