BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I obtained a mortgage with Countrywide Home Loans now Bank of America.That mortgage was for {$120000.00}. In XX/XX/XXXX despite having made all my payments they filed an action for foreclosure in XX/XX/XXXX. I obtained a refinance from another company XXXX XXXX which will be the subject of another complaint as XXXX did not pay-off Countrywide despite having received 4 years of mortgage payments from me. After 5 years of working my way out of chapter XXXX then chapter XXXX bankruptcy in order to keep my loan I finally made it into a loan modification program. Of course in order to foreclose on me Countrywide/BofA filed phony paperwork, with forged signatures etc. etc. I did hire bankruptcy attorneys. I working contract did not work for three months. I started a new job XX/XX/XXXX. I notified my attorneys and also Countrywide that the first payment would have to wait until I got paid. I not actually being a career criminal like XXXX XXXX, have to wait until I got paid. Countrywide/ BofA refused to disclose to me the amount of the principle that I am required to pay. They are arrogantly demanding that I somehow acceed to their crazy XXXX demands for payment on their terms. I say this as BofA received billions of dollars in bail-out money despite using fraud to 1 ) Give mortgages to anyone who had a pulse 2 ) And throwing XXXX Americans out of their homes 3 ) No one in BofA/Countrywide ( XXXX XXXX ) has ever been criminally prosecuted for their financial crimes. Now I think Countrywide is demanding $ XXXX.Countrywide refused loan mediation demanding that I pay for it. I say I think because Countrywide has never given me paperwork. I would like to be a company that can flout the law, take a {$120000.00} mortgage and turn it into a {$250000.00} debt, never be prosecuting for their crimes, destroy people 's lives and never have to be held accountable. I would like to be a company that has done more to foster XXXX by tearing apart families, throwing people out of their homes, than any " XXXX '' alive or dead.I have worked my entire life, bought a house when I was XXXX. I have endured years of gender discrimination against women by working in XXXX.XXXX. And have had to spend years in court trying to keep my house which leaves me at the age of XXXX living in financial poverty despite having been a high earner my entire life. I have spent a small fortune on lawyers ( which says a whole lot about their competency ). I would like Countrywide/BofA to actually take the loan modification seriously and work with me to reduce the principle.I would really like people to be prosecuted for financial crimes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft TD/TARGET Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 


5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I logged into my Citibank online account on   XXXX     and made an online payment for {$150.00}. My payment was due on   XX/XX/2017 .  On   XXXX     I noticed that they never removed the money from my checking account, so I logged into my account and saw that their website did not process my payment. So I made the payment immediately. Citibank charged me a late fee of {$25.00} on  XX/XX/2017.  I have requested that they remove this fee since it was an error on their website and I have never had a late payment before. They have refused to remove the fee even though I did log in and make the payment on  XX/XX/2017   . It is not my fault their website did not process it.

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 2017-01-19
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On or about XX/XX/2016, I contacted Navy Federal Credit Union to be prequalified for a VA mortgage. Based on the answers to the questions they asked, I qualified for the loan. After locating a home, I began the process of securing the loan. After all of my documentation was submitted to Navy Federal Credit Union, the loan was on track to close but then was supposedly denied due to non-traditional income because I am a truck driver. I am paid by the mile not hourly. I do not work for myself but receive a XXXX from my company. The Navy Federal Credit Union representative I was working with told me that I was turned down for the VA mortgage but they could switch me to a conventional mortgage. I asked for a letter stating there determination and reason but have not received one. Going conventional meant the interest rate went from 3.375 to 5.5 for a 30 year fixed rate mortgage. Virtually doubling the rate. Needing to close the mortgage because we were already living in the home, based on Navy Federal Credit Union assurances we would close in XX/XX/XXXX then XX/XX/XXXX, after switching to conventional, we finally closed XX/XX/XXXX. I do not feel that I was treated fairly, after consulting with other lenders and that Navy Federal Credit Union should have been able to determine my eligibility for the VA mortgage before having me invest a tremendous amount of time in the process and moving into the home based on their assurances. Sounds like bait and switch to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Logged into bankofamerica.com, Clicked on account. Shows XXXX overdraft fees when the below transactions does not show any overdraft charges. Called BofA customer service, I stated that there is an online order that has not been charged but shows " processing '' but does not show " posted '' on account and does not reflect the amount on hold or that is has been pulled out of my account on the " available balance ''. CS rep stated that I need to click on " account balance history '' and that it reflects the hold there, also, showing another account balance amount that does n't not match the account summary page. ( First time I 've been told to click on another link to get the " real '' available balance '' ) In " account balance history '', shows that it is still " processing '' but it has been deducted from my " available balance history ''. How are there XXXX available balances? If BofA is going by " available balance history '' why not show it along the statement page? The " account balance history '' shows the " statement balance ''. If my account was overdrawn, how come BofA did not decline the charges that were made afterwards? This is unfair and very deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought my house in XXXX XXXX, with an FHA program, it was financed with Bank or America ( not my choice ). XX/XX/XXXX BAC sold my mortgage to XXXX XXXX XXXX. In XXXX XXXX I received my statement from XXXX with a late charge of {$27.00}. I called XXXX and asked about this and was told by the consultant that it was a late charge from Bank of America. I have not had my mortgage with BAC for over a year. I am disputing this charge with XXXX in writing with a letter. I am disputing this charge with BAC through you. I have no date or explanation of this charge. I do not owe BAC anything.

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 2017-04-01
Company: Navient Solutions, LLC.
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:
Severely limited and expensive repayment options for Americans living abroad. 

My loans were first acquired by XXXX XXXX and then split off to Navient. I am an American living abroad for employment and as such, have no US bank/checking accounts. Originally, XXXX XXXX allowed for online XXXX payments. They took it away, leaving the only repayment option to pay with credit card -- but, they would only accept the payment by charging a {$14.00} credit card fee. When Navient took over the loans, they also accepted credit cards, also for a fee. I have accepted the fee, but now, in XX/XX/2017 Navient refuses to accept credit card payments. If you do not have a US bank account, there is ZERO option to repay the loans without exorbitant international bank transfer fees. This is XX/XX/2017, where most institutions allow for online payment options which include a credit/debit card option. To have a repayment system which discriminates against clients who would like to pay back loans but lack a US bank account is absurd. Especially as the system allowed for online XXXX payments in the beginning. This practice is deliberately set up to incur late payment fees, banking fees and other costs for any student loan holder not able to access a US bank account. While not accepting credit cards or XXXX ( supposedly ) lowers operating costs for Navient, it discriminates against expats who have the means and will to repay loans. In speaking with Navient representatives ( XX/XX/2017 ) about the latest decision to not accept credit card payments, they indicate they are aware of the problem for international individuals but do not yet have a solution. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: ALLY FINANCIAL INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE ASKED ALLY AUTO FINANCE TO DELETE THE WHOLE ACCOUNT FROM ALL THREE CREDIT REPORTING BUREAUS AND THEY REFUSE TO. I NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY CREDIT REPORT THEY ALSO VIOLATED THE TRUTH IN LENDING ACT AS WELL.

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 2016-03-21
Company: Merchants' Credit Guide Company
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I HAVE RECEIVED COMMUNICATION FROM AGENCY REGARDING A DEBT COLLECTION BUT THEY INDICATE THAT IT IS SEVERAL COMPANIES THEY ARE REPRESENTING BUT DO NOT IDENTIFY NAMES OF THE COMPANIES. THEY STATE ( SEVERAL ). I HAVE SENT CORRESPONDENCE REQUESTING THE NAMES OF ALL DEBTORS TO AVOID DUPLICATION OF DEBT COLLECTION ON THE SAME DEBT FROM VARIOUS ENTITIES. I AM WAITING FOR THAT REQUESTED INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: HW Holding, Inc
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXHWARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: First Premier Financial, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan with First Premier Financial, and it was transferred to another company who owns my other car loan, XXXX XXXX XXXX. Well, I received the Welcome letter from them in the time frame that they were suppose to in order to remain in compliance, however the problem was First Premier Financial did NOT send me a good bye letter informing me that they were service releasing my loan which caused a bunch of problems. I could not find my loan on their site anymore, so I kept attempting to call. But the line was always busy that it kept sending me to a voicemail. And I never received a call back. So beforeven I knew what was happening I mailed them my check. That was XXXX. After a about a week, that 's when I received the letter from my current servicer advising me about the transfer. However they still said I owed them a payment. I waited for another week and still said I owed. The letter they sent me said first Premier would be forwarding any payments that was sent to them. Well I got tired of waiting. I paid my note online with the new servicer and First Premier still has not sent them the check. That 's the first time I had ever mailed them a payment and it 's lost somewhere. Know that company someone probably done stole my information, or it simply just got lost in the mail. Anyway, all this headache and confusion would not have occurred if they would have sent out the Goodbye letter or even returned one of the many voicemail I left. I really hope my loan was sold because they are going out of business because for this to be a financial institution they have no regards for staying in Compliance with anything!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient is counting my income as my husband 's income, and he is a XXXX. Navient says we have to file taxes separately in order for my income to not count as his, but he has NO income and he is my dependent. How does that work? His payment was {$110.00} a month and now is {$330.00}. Both Navient and XXXX moved us from an IBR to ICR this year, and I can not figure out why. We spend {$XXXX} a month on our son 's XXXX, plus whatever XXXX bills I may have. With what Navient is charging for my husband 's payment plus my payment, we are paying over {$1000.00} a month on student loan payments. I bring home less than {$XXXX}. We can not pay this amount for my unemployed husband. He has no income and it is a double charge for my income to make him pay based on my income. Navient has been threatening to charge him even more. I can not figure out how to get help, and Navient is being incredibly awful to my husband. With the XXXX, we do NOT need additional XXXX and we are not going to be able to survive with the payment they have assigned him based on my income. We had to complain about Navient before ( last year? ) for being even worse and telling my husband to falsify a government document. I do n't know how to get Navient to reduce my husband 's payment. How can it be right to charge me twice on an ICR ( which is supposed to be an IBR plan )? He has XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
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:
Dear Sir/Madam : I 've already submitted a case under number XXXX, however in addition to that claim, I have the following complaint regarding the loan received to study at XXXX XXXX University in XXXX XXXX. 
I paid my student loan, which was 30 days late in addition to the current monthly loan due on XXXX XXXX 2017. My aunt, who is the co-signer on this loan, received up to XXXX calls per day until XXXX XXXX 2017. I live in XXXX, XXXX and those collection calls should come to me and not my aunt, but maybe the lender does n't want to pay overseas calling costs. At any rate, these collection calls continued even after the loan payment had been made ( 4 times per day ). I think it 's incorrect, for customers to continue to receive collection calls after the payment has been made -- - until Navient can sort out its own internal accounting postings. Once the payment has been made, collection calls should cease immediately. This is psychological terror. It 's unacceptable that someone who is trying to make the ends meet should continue to receive collection calls even after the payment has been made. And even if I had n't made the payment, XXXX collection calls in one day, should be considered excessive harassment. The next time this happens to me, I will be seeking legal counsel. I 'm required to pay a penalty on my account for late payments, which is enough. The addition of XXXX collection calls in one day and everyday harassing customers for payment ca n't be considered legal. Not to mention, it 's inhumane!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NJ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello. Around XXXX XXXX or so of this year I submitted a complaint about poor mortgage loan servicing for a modification from BOA. They have since responded to the CFPB 's requests, but now there are new issues with them. In calling me in response to your requests they affirmed me I can re-apply for the modification. I asked specifically, once again, " do I meet the baseline requirements to even apply '', she said yes. I then received a callback from XXXX XXXX, my new account manager on XXXX/XXXX/16 at XXXX, after giving her a quick synopsis ( the documentation I sent you from the original complaint ). I asked AGAIN, the third time " Do I qualify for assistance based on meeting certain prerequisits '', and she said yes I do. 
After doing a little research online I did find there is a 24 month waiting period between modification applications. I reached out to BOA on XXXX/XXXX/16 XXXX. I spoke to another acct. mgr. XXXX and asked if what I am reading is correct. She told me, within 5 mins, that I would not be eligible for mod before 24 months. She then advised me to wait to submit the application till XX/XX/XXXX. 
So CLEARLY, once again I am being set up to fail, had I not made this call to the bank I would have submitted my paperwork too early and denied, putting my situation even further out of affordability of a Chapter XXXX repayment. 
So far I have gone through XXXX different account managers in just a few short weeks. 
XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 " XXXX '' XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 I did not write her name down, will show in notes at BOA i 'm sure. 
XXXX/XXXX/16 Back to XXXX. 
This continues to be a ridiculous circus with the bank all before I even send the application out! Each acct. mgr. with different information of the base requirements. I am at the point I may need to find legal counsel which I really ca n't afford, so I am really hoping you can followup with them and find out what their excuse is this time. 
Thank you, 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
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes over the years with XXXX, Transunion, and XXXX  to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.

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