BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I called the Bank of America customer service phone number two days before a transaction took place explaining that they must lock the transaction I called the bank two days before a transaction took place explaining that they must block the transaction and that It would be an error and the third-party XXXX XXXX XXXX agreed. I even spoke to the supervisor explaining can not let the transaction take place if it was the pass again and usually my count is never over drawn to the success and two days later it was in the amount of at least {$470.00}. It 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did not agree to which has caused me receiving more late it 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did fees returned items. Their business practices are unscrupulous and they do not explain anything fully before they do it and they are committing fraud. They are not telling me XXXX on the online website XXXX my mobile app in my account balance will not cover certain transactions until after they post the returned item Fees. They are charging me repeated excessive {$35.00} each

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America refuses to make requested corrections to errors made during the loss mitigation process. Upon receipt of my request for mortgage assistance XXXX in XXXX XXXX, Bank of America has done everything to separate me from my home, including taking more than ninety days to conduct an initial review for loss mitigation options and programs and failing to inform me in writing of approval for modification assistance. The intentional misrepresentation as to eligibility and approval of mortgage assistance and documents related to mortgage assistance programs is fraudulent. 

Bank of America has confirmed receipt of my XXXX XXXX XXXX and I have informed Bank of America no additional installment payments will be made. I have informed Bank of America of my claim of ownership of this property by virtue of adverse possession multiple times and have received no opposition to this claim to date. To date, I continue to occupy the property openly as the sole owner. 

The XXXX Requirements for adverse possession on a mortgaged piece of real property are as follows : a ) A claim of adverse possession of real property secured by a mortgage or Deed of Trust may be had upon notifying the mortgagee or their representative when any violation of law during loss mitigation resulting from a request for mortgage assistance XXXX and ; 1 ) The loss mitigation process has been pending beyond ninety ( 90 ) days without a Trial Payment Plan ( TPP ) in place in accordance with the XXXX Act or other agreed upon workout assistance, or ; 2 ) Upon delinquency, where no Notice of Default has been recorded within ninety ( 90 ) days. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including, but not limited to, credit reporting repair and corrections, all state and federal tax liability satisfied on any monetary settlement, all statutory, exemplary, and punitive damages, plus an addtional ten percent, mesne profits ( to include sold at auction amount, rents received, all mortgage values of both principal and interest associated with the subject property ), and an immediate reimbursement of all amounts applied and assessed to the mortgage account at a compounded daily interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, XXXX XXXX, XXXX funds since XXXX. 

I did not default on Bank of America XXXX Bank of America defaulted on me!

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 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been wrongfully denied a mortgage relief modification under HAMP by Bank of America on at least 2 occasions both in XX/XX/XXXX. The reason they stated for denial is because alleged Investor Owner to my mortgage is XXXX XXXX by way of a merger with XXXX Bank who allegedly received an assignment of the Deed of Trust in XXXX. Apparently XXXX XXXX DOES NOT participate in HAMP and thus BOA can not offer or grant my modification. My research on the XXXX online system shows that the mortgage is owned by XXXX not XXXX XXXX who received an assignment fraudulently executed by a person named XXXX XXXX who falsely claimed to be an employee of XXXX as a Assistant Secretary when in fact she is actually an employee of Bank of America in XXXX, XXXX. XXXX never held or possessed the legal capacity to sign the assignment that was recorded against my property. This assignment is based on FRAUD and False Statements. BOA is standing by its decision to deny my mortgage relief modification because XXXX XXXX does not allow it which is against HBOR in XXXX. 
Now they have a pending foreclosure sale date on XXXX XXXX, XXXX in an attempt to steal my family 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 2016-02-02
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I saw an entry on my credit report from National Credit Systems. I wrote them a letter and they never responded to me, they only updated my credit report that I owe {$59.00}. I then researched the internet for the company and found them online. There is a section that allowed me to put in my social security number and the amount owed as listed on my credit report. It would not accept the information to allow me into their system. I have attached a screen shot of the information as listed on my credit report and the section in red the keeps asking me for valid information. As a result of this company not responding to my letter and I can not enter their system to verify this account how can they report on my credit repot that I owe this debt? And if I do owe this debt they are not communicating with me or allowing me into their system to verify this. It appears they just want to report negative information and can not verify to me I owe this debt. They are violating my rights and reporting false information on my credit report to damage my financial character and causing me XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Navient Solutions, LLC.
State: OR
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 never responded/made it clear how to update income for income repayment plan. I contacted them about change in income and no one responded. Website is extremely difficult to navigate and does not provide a section for updating income. Links on website loop to nowhere or time out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 45 days ago to these bureaus and they are disregarding a regular consumer disputes. I am stressed and have been sending letters before this and still no response.

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 2016-04-10
Company: VIP Mortgage Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX To Whom It May Concern, I would like to report a fault loan on my loan officer XXXX XXXX. VIP Mortgage INC. 

I was unemployed on XX/XX/XXXX. The house I wanted to purchase is located at XXXX XXXX XXXX XXXX, TX XXXX with the price at {$140000.00}. I asked XXXX XXXX if I could purchase a house with 10 % down while I am unemployed. XXXX XXXX XXXX looked through all of my income tax XX/XX/XXXX & XX/XX/XXXX and he said yes. He sent me an approved loan letter with qualify amount of {$150000.00}. I signed a XXXX XXXX Sell and was supposed to close the house on XX/XX/XXXX with the price of {$140000.00}. During the whole time of waiting for the loans to get approved, I kept follow up with XXXX XXXX regarding my loans status. He reassured me that I was qualified to buy this house. 
When it times to close on XXXX XXXX he said my debt ratio was too high. He wanted me to sign another amendment extension to XX/XX/XXXX. He told me if I can have another person cosign with XXXX % down then for sure I will get the house. I asked my sister for help. I came up with XXXX % down ( {$21000.00} ) with my sister cosign. By XX/XX/XXXX he said the under writer did n't approved the loan because my debt ratio is too high. By then, I have passed the dead line of 25 days from XX/XX/XXXX contract signed. 

On XX/XX/XXXX I have to signed away my {$1400.00} for Earnest Money to the seller because my loan was disqualify and my contract was over 25 days limit. I am very upset because I lost my {$1400.00} Earnest money and {$610.00} for the appraisal. Total I spent was {$2000.00}. As a professional loan officer, XXXX XXXX should acknowledge that if a client has a high debt ratio and unemployment at the same time then he should let his client know upfront. I was misleading by XXXX XXXX. I want to hold him and his VIP Mortgage Inc. an accountable for {$2000.00} that I lost. I want XXXX XXXX and his mortgage company to refund me the {$2000.00}. 
I need that money to support my family while I am unemployment Would you help me to get refund my money. 
XXXX XXXX works as independent broker. 

XXXX XXXX - buyer XXXX XXXX XXXX . 
XXXX, TX XXXX VIP MORTGAGE INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Loan Originator Identifier XXXX VIP Mortgage Inc. 
Loan Origination Company Identifier XXXX ( P ) XXXX ( F ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Security credit services was put on Experian right after deleted from XXXX. Found this out when my score dropped. Tried to dispute but instead of contacting the company direct they send a third party company out to check on disputes and the item never gets removed proper. I have went through this before with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My payment due date is on the XXXX of each month. I made my XXXX payment on XX/XX/XXXX for the full amount {$360.00}. My statement indicates that although my payment was paid before the due date, that Ally Financial charged me a late fee of {$34.00}, and that NONE of my payment was applied to the principal, but instead the entire {$330.00} remainder of my payment amount was assessed to finance charges. 

In addition, Ally Financial offered a COVID-19 deferment, and accepted an agreement to allow my auto payments to be deferred for a period of 90 days. At the end of that period I resumed full, on time, actually early, payments only to have the payments during the deferred period reported to the major credit bureaus as late, thereby inaccurately & unfairly adversely affecting my credit worthiness during a time of economic disaster. 

These practices seem likened to the PREDATORY LENDING described online from a reported XXXX Justice Department and Consumer Financial Protection Bureau investigation into predatory lending practices affecting minorities. 

I have been a long time customer, have been paying of this {$14000.00} auto loan since XXXX, the balance does not seem to move despite a few late payments in earlier years, due to the 23.40 % interest rate, and I find this as well as the distribution of my most recent, and potentially other payments, both concerning and egregious.

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 2017-02-09
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan went to default because I could not afford the payment so I negotiated a smaller payment when it was rehabbed and I went back to it being serviced they told me my old payments were restored and that I could GE forbearance for a year. Six months later now they are saying I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr cooper accepted my modification allowed me to make 3 monthly payments and I did this on time each month, then at the end of the trial period they said congratulations we will send you out paperwork to sign and then 3 days later they denied me. 
They are now telling me to resubmit all the paperwork again only for me to be denied again. 
According to my lawyer the investor would have had to agree to the modification to allow me to have a trial period and as I made the payments on time I should never have been denied. 
If the investor had any concerns they would never have allowed a trial period. 
I've been trying to work this out with Mr Cooper and all I get is stumbling blocks that is forcing me further behind on my mortgage. 
I will be reporting Mr cooper to the BBB and contacting my attorney General regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Westlake Services, LLC
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
THE BUSINESS WESTLAKE FINANCIAL A CA ' COMPANY HAS NOT REPORTED MY ACCOUNT AS PROMISED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a mortgage with XXXX ( XXXX XXXX ) that was transferred to another lender XXXX XXXX XXXX ). XXXX is reporting I was XXXX days late on my credit report. I signed an agreement to start trail payments with XXXX XXXX and the payment was higher then what the actually mortgage is. I have never been late with XXXX as agreed. I also asked to have XXXX removed from my credit report because it has been 7 years since I defaulted on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
MY IDENITY WAS USED TO OBTAIN A RENTAL FRAUDULENTLY! 
IN ADDITION TO OTHER UNAUTHORIZED TRANSACTIONS VIA CREDIT CARDS AND LOANS.

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 2020-08-06
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I checked my credit and seen that an account is on my credit so I did a dispute to all three credit agencies and two of them remove the item off after they did an investigation except experian

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 2020-01-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I filed a dispute for three unauthorized inquiries with Equifax via myEquifax.com. Was informed on XX/XX/2020, only 2 days later that my dispute was ready. To my disbelief my dispute was denied. I have been dealing with identity theft problems for the past 3 years and Equifax is well aware of this. As a result of Equifax denying my dispute and only taking two days to investigate I have filed an Identity Theft Report. Included in this complaint are : Identity Theft Report, Letter to Equifax, FCRA 605b, Credit Report, Drivers License, and Social Security Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Contacting yall about Consumer Financial Protection Bureau Complaint No : XXXX because I am still having issues trying to pass the security check after trying to add a card or a bank or view my PayPal card information after trying to leak different phone numbers it keeps saying numbers are not supported account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 
The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian : - i got turned down for a loan due to low credit score - got free credit report ( annual from all XXXX agencies - noticed a lien on all three - I was able to remove it on all but experian ; I tried to upload proof of the error - I canceled check that had the case number and all the relevant ( both sides of the check ) info that was generated by my bank, the upload kept failing due to the wrong file format ( even though the file format was correct as i am a XXXX ) then I mailed a copy of the proof along with copies of my drivers license, SS card and a utility bill to experian on XXXX XXXX 2015 and I have not heard back, in the meantime my fico score has dropped XXXX-XXXX points and I have been denied a loan. 
I am about to send them another letter via certified first class mail in hopes to get them to investigate the issue, ( which they have not done ) - I have attached the proof of payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian REFUSED to provide me a credit report for a declined loan based upon credit information Experian proved to the lender ( XXXX XXXX XXXX/XXXX/2015 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried to access my Experian report online and they have blocked me. I recently declared bankruptcy and need to make sure that all my items are reporting correctly and I can not. They do not let me access it at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief