BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
XXXX / XXXX XXXX is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent XXXX a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from XXXX stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from XXXX, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

XXXX has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: WELLS FARGO & COMPANY
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:
Always had perfect payment history never Gad a late payment, they had an issue with the auto pay and never notified me of anything until they reported late payment and when I called to dispute they said they will remove it and never have

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 2016-02-15
Company: Green Square Company LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
calls everyone in my family and Claims there is Fraud Associated with my SSN, but will not send mail or letter confirming, the call originates from XXXX ext XXXX " Office of XXXX XXXX '' also know as premier recover group. 
they call my family and work harassment with false claim I owe a debt, this is a scam or Fraud.

Company response to consumer: Closed
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Before planning a trip to XXXX My daughter contacted Bank of America to inform them if they see any activity on her debit card from XXXX XXXX thru XXXX XXXX do n't be alarmed it will be her using the card and please do not block usage on this account. She was told by Bank of America it had be noted in her account and It was fine. Well just what she did n't want to happen did. The first time she tried to use her card it was declined. My daughter called in a panic. She was alone and stranded cause you can not use cash for XXXX. I called Bank of America to see what the problem was and they stated it was a security check. Bank of America also stated they did see noted in her account the travel plans and again it was just a security check I was upset because my daughter was alone and stranded. Bank of America apologizes and lifted the hold. However it went downhill from there. For the next three days while there my daughter called frantic and crying because she could not use her card time and time again for safe transportation and continued to be stranded. Three more incidents occurred and I had to call Bank of America very upset and finally they lifted the security on her card. I do n't understand how a bank feel it 's okay to keep someone from using their own money. This was not a charge card it was a debit card.

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 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to obtain a modification of my current mortgage for 4 years. Please see # XXXX. Bank of America recently responded with letter that has inaccurate information. This has been their pattern for 4 years. I am under the impression the Making Home Affordable program can help me reduce my payment to 31 % ( or less ) of my gross income. My payment ( principal + interest + tax + insurance ) is currently {$2000.00}. I have asked many times for a MODIFICATION to a fixed rate loan. I am currently on an adjustable rate loan. In Bank of America 's recent communication copied to CFPB, the letter states I requesed a REFINANCE. That is not true. Had Bank of America modified my loan 4 years ago, my payment would have been reduced approximately {$400.00} per month, but they have drug this out as my income has slowly increased and reducing my payment now would only result in a reduction of a few dollars - my ask is that this be done and that I be on a fixed rate loan, not an adjustable rate loan that can increase beyond my ability to pay. I have not asked for my principal to be reduced, only that my loan be modified to a fixed rate with a payment less than 31 % of my income. Delays in inaccurate calculations over the last 4 years do not seem reasonable or legal to me. I am current on my payments but fear the next increase will push the payment beyond my means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-26
Company: The CBE Group, Inc.
State: TX
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:
XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE CBE GROUP Address : XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX TEXAS Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Navient Solutions, LLC.
State: OH
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:
I have both Federal and Private student loans with Navient, and I began school at Western Governor 's University ( XXXX ) on XXXX/XXXX/2015. At the time of beginning my classes my loans should have been deferred. This has not happened and now Navient has threatened to report my loans as delinquent to the credit bureaus and have been assessing my account fees. XXXX has updated my enrollment status on the XXXX XXXX House, and provided the information to them directly via fax on XXXX/XXXX/2015, however Navient refuses to acknowledge this. I also spoke with Navient customer service on XXXX/XXXX/15 to notify them of the change in status and to expect the fax. I was assured at that time that a payment was not required and my loans would be deferred. I contacted their customer service department again today ( XXXX/XXXX/15 ) to discuss the matter and was told to upload the enrollment status information to their website. I think this is unacceptable as both myself and XXXX have previously provided the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: Santander Consumer USA Holdings Inc.
State: ID
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an auto loan through XXXX - they went out of business and sold the loan to XXXX Bank. The car was included in my Chapter XXXX BK as a surrender. My attorney called them to pick the car up but was told they had no loan in file and had no interest in the car. The car is broke down & costing me storage fees. I want them to pick up the car of send a lien release to the Idaho DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MD
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:
I believe Navient is over charging me on interest. I pay the required amount each month and by the following month my principle is almost the same as it was when i paid it the previous month because of all the interest accrueing!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A few weeks prior to Bank of America mortgage being paid off, I noticed an amount in question of {$1000.00}. After many phone communications with BOA customer service reps, they were unable to identify any reasons for the amount being charged to my account. Additionally, the HELOC Department has no evidence of this documentation. On XX/XX/XXXX, BOA sent a letter stating that the fees were accessed as a result of the " HELOC trying to foreclose '' on my property. Since I have never been XXXX days late on any payment, I requested a loan history that does not reflect any payment over XXXX days. Therefore, I again requested that the money be refunded to me or documents reflecting the HELOC foreclosure be forwarded to me. After several verbal communications, followed by a certified letter to Bank of America on XX/XX/XXXX, the money has not been refunded in the amount of {$1000.00} plus interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I entered into a written contract with XXXX XXXX who then sold it to Santander consumer usa. In the contract is states on the back that, " Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of debt including promises to extend or renew such debt are not ENFORCEABLE. To protect you ( borrower ( s ) ) and us ( creditor ) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, EXCEPT as we may later agree in writing to modify it. Santander breached this agreement when they offered me deferred payments without modifying my contract in writing. I will be mailing another copy of my contract via usps when i receive the hard copy complaint form in the mail. I am unable to upload a copy to attach to this form. I DO NOT want to be contacted via email since I never received a reply from my first complaint. To keep this from happening again i prefer to receive all contact by regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have fully paid up my mortgage dues and Select Portfolio Servicing OMBUDSMAN OR CUSTOMER SERVICE refusing to correct my account which is still showing as 1 month behind. I NEED AN AUDIT. Here is proof of all my payments made after Covid-19 : PAID {$1600.00} XX/XX/2022 PAID {$1200.00} XX/XX/2022 CONFIRMATION XXXX PAID {$330.00} & {$330.00} CONFIRMATION XXXX PAID {$1700.00} XX/XX/2022 CONFIRMATION XXXX PAID {$300.00} XX/XX/2022 CONFIRMATION XXXX PAID {$1600.00} XX/XX/2022 CONFIRMATION XXXX PROCESSED BY XXXX XXXX XXXX XXXX WHO TOLD ME THAT MY ACT. WAS FULLY CURRENT PAID {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went on line to ask for a Bank of America account, I have had two before and I am a victim of Identity Theft. I have faxed in both police reports to the three credit bureaus and to as many of my accounts including school loans. I went in to XXXX XXXX XXXX to discuss the accounts and about reopening up one. When I saw him on Saturday the XXXX of XXXX and I also took in one of my police reports that was from 2013 with the IRS. I showed him the report or at least placed it on the table. XXXX XXXX XXXX was very polite and professional. Asked for me to come back in the week so he could call in and get authorization and to override my previous accounts. I called XXXX XXXX on Monday and I left several messages. XXXXXXXX, XXXX, XXXX, we basically were playing phone tag with each other. The number I called was XXXX, when finally speaking with XXXX XXXX, he mentioned he was waiting for a call/authorization and he would let me know, to wait for a call from Bank of America by XXXX. Around XXXX I received a call from XXXX XXXX and stressing that I owed money did I want him to tell me the amounts owed to Bank of America XXXX I can fax you the police reports and can someone let me know what my rights are as a Victim of Identity Theft and thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-12
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
hello my name is XXXX XXXX and I believe I am being ripped off by the XXXX XXXX XXXX in XXXX I bought a XXXX dodge caravan that had a 5 year contract to own. in the XXXX year the whole computer mother board went up which they said was very rare we went back to the XXXX XXXX dealership and they put us in a XXXX dodge caravan which was being test drove so it had XXXX miles already on it it was going good until after 6 months the tires had to be replaced then it kept making horrible noises and shaking so we took it to the dealer where the fixed it it took almost 2 weeks then 4 weeks later the same issues with the shaking we put it back in the shop and it stayed there for a week then the issues started again so when we called the XXXX XXXX dealer and they said they were recalling the XXXX XXXX caravan and it would be bought back from us so that is what we did it was alot of other people doing the buy back program the car still had a balance due of XXXX the dealer said they were buying the van back from us for XXXX and the difference would be put on the new loan for XXXX so XXXX and XXXX was supposed to be the new loan they also said the same lender was financing the XXXX loan and i was getting XXXX off of that ..so I received a statement from XXXX XXXX stating that I owe them XXXX and that they financed my loan and that the XXXX is the principle of the loan and that my payments are XXXX dollars a month for 6 years ... .I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX 2015 I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. This check number was XXXX. On XXXX XXXX I noticed the check was cashed against my account. On XXXX XXXX My landlord called me and stated she still had not received the check. I then went to XXXX bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with XXXX bank on XXXX XXXX stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim on XXXX XXXX. I called XXXX claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. XXXX then told me they got Bank of America to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called XXXX and gave them the police report information. I was then told on XXXX XXXX 2015 that XXXX sent Bank of America a demand letter. On XXXX XXXX XXXX did a follow up with Bank Of America and Bank of America stated an expected date of completion would be XXXX XXXX. On XXXX XXXX XXXX informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called Bank of America and all they would tell me is that they denied the claim with XXXX. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of stress on me after I gave birth to my son.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
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:
I enrolled in automatic payments with Navient in XXXX, XXXX however, on XXXX XXXX, XXXX, I received a notice indicating that I was delinquent 2 months worth of payments and that Navient had debited my account ( via the automatic payments!! ) last month and will be debiting my account this month for the past due balance with LATE FEES! I was not refunded late fees after calling Navient and instead they tried telling me that because two different departments set up the automatic payments, one conflicted with the other. 
I also requested a change in my due date back in XXXX, XXXX and again in XXXX and Navient still continues to debit my account AUTOMATICALLY by the first of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Brief summary : I hired XXXX on XXXX/XXXX/15 for technical assistance and was charged {$140.00}. The service person failed to provide the solution and I spent the entire next day trying to contact her. I never could contact her and she never called back. I hired XXXX to resolve my technical issue which they determined was caused by a XXXX programming change. They resolved the issue. 
I sent email to XXXX on XXXX/XXXX/15 with my complaint and asked them to cancel my " subscription '' and refund the amount paid. My Discover Card ( Discover Financial Services or DFS ) bill dated XXXX/XXXX/15 billed me {$140.00} for XXXX. I promptly called to dispute the bill. 
On XXXX/XXXX/15 XXXX sent email to confirm that my subscription was canceled as of XXXX/XXXX/15. On XXXX/XXXX/15 DFS sent me a notice that the dispute was resolved in my favor. 
My DFS bill dated XXXX/XXXX/15 reinstated the {$140.00} XXXX charge. I called DFS to explain and complain ; on XXXX/XXXX/15 I sent requested supporting documents to DFS which they confirm having received. 
My DFS bill dated XXXX/XXXX/15 still showed the XXXX charge plus interest. I promptly called DFS to explain again. When told that they would not remove the charge, I asked them to cancel my account, which led to a transfer to a supervisor who promptly hung up on me. 
I called DFS again on XXXX/XXXX/15, explained again and was told that I had to pay. I told them I refused to pay and asked again to cancel my account, which they agreed to do. 
On XXXX/XXXX/15 XXXX sent a notice that they consider the transaction valid and would notify the credit reporting agencies of my refusal to pay the disputed charge. 

My dispute is with DFS : How can they expect me to pay a charge from XXXX that XXXX had already canceled? This is after DFS resolved the dispute in my favor and closed the investigation. This is DFS case number XXXX. I have copies of all statements and relevant documents. I will contact the credit reporting agencies to notify them that I refuse to pay XXXX for a service they did not provide and I refuse to pay DFS for failure to recognize an improper charge. I feel that DFS has abused the credit card relationship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Dovenmuehle Mortgage Inc. We had a escrow/impound account set up which taxes and insurance were to be paid out of. 
On both issues they dropped the ball never did they pay both taxes andinsurance on time. We became delinquent and had to pay for these out of pocketand now wait to be reimbursed. They sat on our $ and drew interest. Wrong! 
Whats the point of setting up a impound account?? This firm is shady andnever does what they tell you via email or phone that they will do. I incurredlate fees and spent countless hours on the phone to try and remedy everything.

Company response to consumer: Closed with explanation