BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-22
Company: Navient Solutions, LLC.
State: LA
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 am dealing with Navient for XXXX private student loans. My sister paid {$11000.00} towards my loans to have her name remove as a cosigner. These loans went through XXXX collections agency and XXXX of them had no knowledge about the {$11000.00} payment. I started checking my account online and notice that navient did n't post the {$11000.00} to my account. I called them numerous of time and printed out documents from the online account. Then one day I decided to go on my online account and there goes the {$11000.00} payment but the balance remanded the same. First they told me that the online account does n't update because my account is with an collection agency and the information was n't correct. I asked them to send me information on my account and they only sent me information of my payment with the same balance as the online account. My thing is if the online account does n't update then why is the statement the same as the online account and why is my recent payment updated on there. I tried to get more documents on my loans and they refuse to send it me stating they was n't able to send me any documents. They keep sending me the same statement every time when I ask for something more detail. I try to contact the attorney that the judgements are with, but I get no answers and they never return my calls. They also had no knowledge of the {$11000.00}. I been going through this for three months trying to find the right balance because I calculated everything possible way to come up with the correct balance and it not coming close to anything they have and they refuse to send me documents and is giving a the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear CFPB : The ONLY Bank of America office and ATM in XXXX closed its doors recently ( XXXX ). The sign on the door instructs us to go to XXXX of SEVERAL locations in XXXX County. So now we have to travel many miles outside the county to go to the bank. The officer, XXXX of the B.O.A. in XXXX I complained to explained the XXXX County BOA did not have enough customers to justify keeping it open. Even their brand new Automatic Teller Machine ( ATM ) was gone. That area is booming, so that excuse does n't hold water. Given the willy nilly nature of BOA 's " Here one minute and gone the next '' attitude, it is obvious our State or Federal banking regulators are cutting ( them ) too much slack. We 've been BOA customers for many many many years and the notice taped to the bank 's front door is an insult - IT DOES NOT MATTER WHAT BANK OF AMERICA 'S EXCUSE WAS. Thank you.

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 2023-02-04
Company: EQUIFAX, INC.
State: CA
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:
To Whom It May Concern, YOU BROKE THE LAW!! 


Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; It has come to my attention that your company has violated multiple provisions of Title 15 USC 1681 of the Fair Credit Reporting Act. The accuracy and fairness of consumer reports is imperative to the functioning of the banking system, and the actions of your company have put this principle in jeopardy. 

Pursuant to Title 15 USC 1681 ( a ) ( 1 ), I was never notified of the furnishing of inaccurate information to my consumer report, which has caused my report to be unfair and undermined my confidence in your company 's procedures. 

Moreover, Title 15 USC 1681 ( a ) ( 2 ) establishes that your company 's actions have caused harm to my reputation and creditworthiness, and Title 15 USC 1681 ( a ) ( 3 ) states that your company assumed a role for which it was not authorized by me or a competent court of jurisdiction. Furthermore, Title 15 USC 1681 ( a ) ( 4 ) establishes that your company failed to ensure the accuracy of the information and to exercise its obligation with fairness and impartiality, resulting in a breach of my privacy rights. 

Additionally, Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) clarifies that transactions between the consumer and the person making the report should not be included in the consumer report, and Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) states that the consumer should be given the opportunity to deny the information being reported.

Furthermore, Title 15 USC 1681a ( B ) excludes the authorization of specific extensions of credit, such as credit cards, from being included in the consumer report. Finally, Title 15 USC 1681a ( e ) outlines the requirement for a thorough investigation when producing an investigative consumer report, and the Fair Credit Reporting Act regulates the production of consumer reports to ensure the accuracy and reliability of the information included. 

In light of these violations, I request that this inaccurate information be removed from my consumer report immediately, and that your company cease reporting my information in its database. I also request a copy of my investigative consumer report, as required by the Fair Credit Reporting Act. Any failure to uphold the law will result in a defamation lawsuit. Let me remind you that company policy does not supersede federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: BB&T CORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX of this year, while the sale of our prior home was still pending, my wife and I closed on our current residence, and entered into a mortgage that we understood would be owned or administered by Branch Banking and Trust Company ( BB & T ). It was our intention to use the bulk of the funds from the sale of our old home once received to reduce the principal balance on our new one. Wanting to keep some funds in reserve, and knowing we would soon make a major principal reduction, we only put 10 % down on our new home, and accepted that we might have to pay PMI for a few months. Our closing documents indicated that we could eliminate PMI by reducing our LTV below 80 %. Our old home sold, and on XX/XX/2016 we made a principal reduction payment on our current mortgage in the sum of {$110000.00}, which by BB & T 's own calculation brings our LTV to 60.3 %, and on that date in conversation with BB & T 's mortgage service center personnel, requested PMI be removed. That request was rejected, and we were told that a history of 24 months of timely payments on the mortgage was required under BB & T " policy '', irrespective of the fact that we were now significantly below 80 % LTV. Following that verbal conversation, we received a letter ( unsigned ) from BB & T dated XX/XX/2016, confirming BB & T 's position. 

We have requested the removal of PMI in writing, have made all mortgage payments from the inception of the loan on time, and have reduced the LTV to 60.3 %. The property has not declined in value in the short time since we closed. We believe that BB & T 's refusal to remove PMI from our mortgage, and refund any PMI payments held in reserve, is contrary to the provisions of the Homeowners Protection Act of 1998, and note that BB & T 's stated policy of requiring 24 months of payments regardless of LTV, is not permitted under the Act, as expressly stated in CFPB Bulletin 2015-03.

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 2016-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016 I received a phone message from XXXX XXXX stating she wanted to go over some things regarding the previous complaint. I returned the call, spoke with XXXX, after verify all our loan information, she asked how she can help, I told her I was returning a call from XXXX. ( once again the representatives do not know why we are getting calls ) XXXX told me XXXX is a investigator and does not take calls. ( Then why call us asking to call back if she does n't take calls ). XXXX then put me on hold to discuss with XXXX why she called us. XXXX got back on line to say that they are missing YTD information on the pay stubs that we had already submitted. Every one of the pay stubs have YTD information. My husband, XXXX who is the loan holder talked with XXXX and explained where the YTD information was on the pay stub. XXXX understood, took note for the underwriters. XXXX admitted there was " a issue going on '', I talked to XXXX mentioning it did n't make sense we received a multiple letter stating SPS had the received the documents, it also showed on the website under our account that they had received all documents needed and the modification was be reviewed. XXXX told us she would talk to XXXX to figure out what was wrong and call us back. Today, XXXX XXXX, 2016, I checked the website and our account, it now states they need YTD information. We received letters on XXXX XXXX, 2016, XXXX XXXX, 2016 and 2 letters on XXXX XXXX, 2016 stating they have received the documents needed. I have attached scanned copies of each letter. To this date, no one has called us back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a Loan modification XX/XX/2010. I filed Chapter XXXX XX/XX/2010. At the time of filing Chapter XXXX I was only XXXX months behind. My lawyer fail to do there job and listen to me when I kept telling them I had a loan modification a few months pirio. Once we got to the the last fews months in my chapter XXXX I told then again that I had a loan modification. So they finally looked into it. MY lawyer and SPS lawyer looked into this and see that I did have a loan modification the same year. The money that was paid into the chapter XXXX to was not the amount I was behind at the time. I paid them a total of XXXX. My mortgage company have not credit the amount to my loan so I can pay the reminder and get my loan current. I This have been a problem that has been going on for a few months. 
This my XXXX time submitting a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan with bank of new york servicing company is XXXX, first i was doing loan modification the bank did not qualified me then they offer me short sale in writing all this time their lawyer has been harassing me with dual tracking having me in foreclosure posting papers on my front door even do i have approval from loan modification and then short sale is almost impossible to speak with an associate they claim that my house does not have sale date with is untrue because it shows in the public records that the sale will be XX/XX/XXXX, so i hired an agent working for XXXX we already submitted all the information with the offer of qualified buyer every time they said that either they not receive the documents or they are missing is impossible to talk with the person on charge XXXX she never ever answer never different people would tell you different things misleading the homeowner in distress all i got is harassing letters from unprofesional record XXXX with really bad reputation with documented cases in all the social media by the way XXXX many phone calls i made to his office and they totally hung off the phone on me and one associate call me filthy XXXX because my accent they are pretending that they want to help but time is passing and the sale of the house is close, they send me letters with big numbers not according with my records impossible find out because they do not answer and change personal every month so looks very disorganize very unprofessional i have my agent working hard to get buyers and he is having the same issues XXXX is a prestigious company i guess they can testified that i am telling the true i hope lawyers from XXXX step in this case, i think they are malicious pretending that they want to help but facts show the contrary they making it hard for us totally misleading us.

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 2015-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I HAVE NO CLUE WHO THIS BANK IS BUT REPORTED AS XXXX ON A FRAUD AUTO LOAN I WANT THE INQURIY REMOVED ALONG WITH STATEMENT TO XXXX XXXX AND XXXX TO SUPRESS ANY INQUIRY THEY HAVE MIXED MY FILE UNDER FALSE NAMES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a loan with Bank of America for roughly {$1600.00} a month, then experienced I a job loss due to the economy. I applied for remodification and became employed again during this application process. BOA kept stating that the documentation that I was sending was out of date range or that they did n't receive it or that it came through but was legible. Basically they were stalling the remodification process. My boss even got on the phone with them at one point because he saw what they were doing and said he witnessed the paperwork being sent on multiple occasions. Later I read in the news that during a lawsuit it was discovered that workers testified that they were told purposely do that to customers to increase total amount due. Well I got my Senator involved and the loan got transferred to XXXX and was modified to {$1300.00}. I was told if all payment were made that the loan would be permanently modify. Well not long after I completed all the payments BOA took the loan back and said that XXXX miscalculated the payment and that the taxes were thousands of dollars behind. They gave me two options : pay the money in one lump sum or have it added onto payment. I did n't have that kind of money so I picked the second option. BOA then increased my payment to {$1700.00} a month which is more than the original payment ( {$1600.00} ) amount that I needed modified. Not really much of an option. I called them ( boa ) and they said there was nothing they could do about it and the blame belongs to XXXX. This is not right to do to me. Now they ( boa ) have given the loan to XXXX who is about to put me into active foreclose because I could n't make that new high payment of {$1700.00}.

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 2016-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In case XXXX, SPS continues to say that XXXX was acting to protect their interest in advancing funds to pay off XXXX. 
This is not the case, because I was in NO threat of foreclosure from XXXX, and XXXX did not have any idea of arrangements with XXXX to bring the account current. 
The reason I was delinquent in the first place was because I had XXXX and it took a long time to recover. XXXX was very helpful during this time, unlike XXXX. 
Because I was not in danger of foreclosure from XXXX, XXXX did not protect their interest, but did arbitrarily ( and I say illegally and unethically ) decide to pay off my first mortgage with XXXX. 
As such, it was a cash out refinance, entitling me to the right of rescission. As I have said before, I NEVER received ANYTHING showing where any of the money went, let alone any RESPA documents. 
I am willing to see what a Judge would say in a court of law, is SPS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I own an occupied resident. I was not aware of a loan transfer to another company, until I received a letter by XXXX with a returned check stating that owe {$17000.00} or go into foreclose. I called the company that I was sending my payments to, the person I spoke to said that they were transferring the payments that I was sending to the new company. I do not know why the original company did not send and email about the transfer. The first person I spoke too at new company could not answer my questions she hung up, so I called back an spoke to another person she explained to me that the company took over my loan XX/XX/XXXX. I asked her why such a high payment she told me that they have not received a payment since XX/XX/XXXX, escrow changed I do n't have escrow and that I owe for their legal fees. She told me that they tried to call but no answer I told her the number they were calling was changed about five or eight years ago. She asked how else they could get in touch with me, I mentioned to her that every other company that took over my loan in the past 25 years has always sent a certified letter within two or three months of taken over. I notice that my account number has changed. I also mention to them that I have no problem of paying my monthly payments if I was aware of this problem when they first took over the loan. And now they want me to pay more which I do n't have in my bank account. I explained that I have n't missed a loan payment in 25 years until this company took it over. I found out that the previous company was returning my payments from XX/XX/XXXX to present. I was asked to submit a dispute letter about the payments. I was trying to get more information before I wrote a dispute letter, so I sent them copies of all my payments to see what they had and I checked with my bank to see what was cashed, returned or that I have n't received. After I sent these copies, that not even a week they sent the amount to pay by wire. I received this letter two days after the date. At that time I was trying to get more information to write my dispute letter. I received a letter that discussion for dispute was closed. At this moment I have not received any correspondence with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I have been attempting to get a loan modification from my current lender SPS, I was approved a modification with my previews mortgage company XXXX XXXX XXXX and unfortunately my loan was then sold to SPS who did not honer the agreement in place. Now I am facing foreclosure and are unable to re finance the loan nor bring the account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: AL
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 ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: ADR ARBITRATION SERVICES (Closed)
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
They Keep HARASSING me using fake numbers from the XXXX XXXX assistance hotline. They will call saying that they were going to serve me papers and come put me in jail over a payday loan. They even went as far as threatening to come up to my job if i dont abide by they 're rules and " Laws '' that they have. Lied saying that i commited bank fraud when i simply had to change debt card 's due to unauthorized activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: ORG GC GP Buyer, LLC
State: AR
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 claims I owe them money, I do not, They refuse to provide proof of this debt, The XXXX representatives ( XXXX XXXX ) have lied to the Arkansas Attorney General, and the XXXX, ( I have this well documented ) and still harass me by employing collection agencies to act as their agent to continue this harassment, The latest agent being GC services.

Company response to consumer: Closed with explanation