BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-05
Company: Social Finance, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This concerns a load from SoFi. I filed out all needed paperwork and send all required documents. On XX/XX/XXXX I received an e-mail saying " congratulations your load has been approved please login and sign your paperwork. ( I have attached that e-mail ) logged in from my phone and tried to sign but only got a blank screen and was kicked off. Called rep the next day was told to use my home computer same issue. Called rep next day he reset and told me to be sure I was using Google Chrome, delete my history and cookies did all those and the same thing. Called rep the next day she stated it was something wrong on there software she would send it to me via e-mail and she would call me back. After 3 days no phone call no e-mail called rep again he apologized and said he would send me an e-mail and if I did not get in within a couple of days call back and he could send XXXX. After a couple days no e-mail so I called back rep stated that as of that week they no longer send XXXX put she would talk to her manager and call me back. No phone call but I got an e-mail stating that my loan was denied and should try XXXX for a loan. I called a manger and got no help she just said she was sorry and there was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was a victim of Idenity theft by a man named XXXX XXXX XXXX who claimed he fixes credit and had a company called XXXX @ XXXX construction he was a con man who put things in my name and never paid. He went to jail for doing this scam to many people and he may or may not be out of jail now ... He put a mortgage in my name from XXXX bank it has been removed from some credit agencys I need it removed from all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
We refinanced our home to pay off some credit cards. A check was mailed to Citi Cards with the payment coupon sheet in the amount of {$9500.00}. Citi did not post the payment. After two full weeks, I contacted Citi and presented the paid canceled check from XXXX XXXX company. I was promised the funds would be applied to my account within 48 hours on XXXX XXXX, 2015. It is now XXXX XXXX with no funds posted to the account. I have called and spoke to multiple account supervisors and the funds are always 2 to 3 days from being posted. They have the payment and have refused to post it in a prompt manner. Let others take note that Citi can not or will not post payments promptly. I will never recommend this card to a friend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Enclosed is a letter I Sent to CAPITAL ONE registered and certified, I am over the games, lies, and deception. This is one of many posts, I have lawyers looking at the paperwork and I have already gotten some positive feedback, I will be posting the CAPITAL ONE employees with media as well as the issues in hopes to help others that been deceived by this careless illegal entity. They committed FRAUD, EMBEZZLEMENT, DECEPTION, LIED, STOLE and that is just a start. Not to mention destroyed my credit, work life and tried to have me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Alliant Capital Management LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XX/XX/2015 I received a call to my mobile phone from a number I did n't know. I use this phone for business contacts so I called it back thinking it could be a client. It was answered by a man who identified himself as XXXX. The number is XXXX. I did not confirm that he was speaking to me. He gave out the last XXXX of my ssn, the amount of the debt, my former employer and other information. Again I did not confirm my information. He became aggressive and harassing. When I asked who he worked for he did not give a name at first and then said it so fast and quiet that I did not understand. He then began making threatening statements. I informed him that this was a line used for business and not to contact it again, he stated that he would continue to call. I disconnected the call at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CCS Financial Services, Inc.
State: OR
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 sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Ive submitted several disputes to the credit bureaus. And have not gotten a 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 2015-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells fargo has harassed me by calling me at home at least XXXX times a day and at work at least XXXX times a day, They take payments and place them in " unapplied funds '' for extended periods of time allowing the mortgage to become late and charge me a late fee. 

after several demands to stop calling and a cease and desist letter they are still calling several years later even when the loan is current

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 'm writing to complain about the way Navient treated me and, ultimately, failed to inform me of my rights, when I called XX/XX/2015 to seek debt forgiveness on account of being unemployed. I lost my job XX/XX/2015, and I phoned Navient several times in an attempt to find out about delayed payment options and income-driven debt forgiveness. The operator initially directed me to a federal web site and refused to tell me about any delayed repayment options. I called back, spoke to another operator and only learned about delayed payment options after demanding to know my rights and insisting that such an option existed. I was told by the XXXX operators that Navient did n't offer any delayed payment options for my loans. That was a lie, clearly. 

In my conversations with the customer service agents at Navient, I repeatedly asked about any income-driven debt repayment program. I explained in detail that I was out of work, had a mortgage and was supporting my XXXX year old daughter. Navient 's agents insisted multiple times that there was no income-driven debt repayment program. I made several calls and talked to many agents. They only agreed to have my payments extended after I effectively pitched a fit on the phone. Then, did they say I could reduce my principal and interest payments. Navient caused me undue hardship and failed to offer me an income-driven debt repayment plan when I needed it most. I have gotten a job since then, but I was out of work for 14 months, and I could have benefited significantly from relief that was due me. My dealings with Navient were beyond unpleasant. I have never dealt with a company that refused to tell me my basic rights and obfuscated the truth from me. If I had not demanded repeatedly that they offer me a delayed payment plans, I would have not been able to meet my monthly payments, and my loan could have been thrown into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to draw attention to the attempted predatory payment practices of Select Portfolio Servicing that holds my current mortgage. Since COVID became a concern the company repeatedly puts me on forbearance plans without my consent. I have called every  month since XXXX to make manual payments to stay current, despite their website confirming that I have an active ACH withdrawal scheduled for my payment each month. On each call as recent as XXXX the rep will assure me that my next payment will resume with automatic withdrawal. I DO NOT WANT OR NEED A FORBEARANCE PLAN! I find this practice to be predatory in that the company is providing inaccurate assurance of ACH withdrawal yet Im continuously forced to manually make payment to avoid the appearance that Im accepting the forbearance. The website guidance about payment ACH is inaccurate. I fear that a forbearance will be reported to the credit bureaus based on Select Poetfolios inability to rectify my multiple requests to simply TAKE MY PAYMENT ON TIME EACH MONTH with the documented ACH on file. I have never had to beg a company to take my money each month like this. Forbearance should require an opt in notice. Instead Select Portfolio has opted all clients in saying to call to opt out. Calls to opt out result is full customer service failure only to start the entire request all over again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a Bank of America account. Recently during the last XXXX months I 've had to reorder a new bank card XXXX times. I have not received any of the last XXXX cards that were mailed to me. When I called b of a they said they see that someone has used my account in a different state. The b of a worker on phone was confused as to what 's going on with my account and while I was on hold I was disconnected. Then I was informed that I was kicked off of my online banking. I have no id a what is going on with my money and ca n't get any information on anything except I keep getting these overdraft postcards in the mail. I. Keep being informed of a bounced or cashed check that has nothing to do with me. XXXX keeps sending me bills that say payment was not made. XXXX also has turned my power off due to a pay, net that did not go through and should have. I had to come up with a large amount of money to turn my power back on. I continue to only get all these white cards of fees that I owe for things I did not do. I ca n't call b of a because I no longer have a bank card number, I am kicked off of online banking and I do n't know what 's going on. I 'm a widow with XXXX little kids. My son just had XXXX XXXX. I sell very little on XXXX to make a little extra money that 's is only reason I have my b of a account. I am robbed of my money and have been charged tons of fees everywhere because of b of a and they are the ones that informed me that someone has fraud in my account! I need help and b of a is taking my kids money!

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 2015-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I was a victim of Bank Fraud. I was issued a fake check and the check was deposited in to my Bank Of America account at that time and the check was returned obviously and without any notice or phone call or investigation my name was reported to XXXX. Since XX/XX/XXXX I have made so many attempts to have this matter resolved and Bank OF America has ignored every single attempt. XX/XX/XXXX I hired an Attorney to plead my case and a letter was mailed on XX/XX/XXXX and that has also been ignored. I need to open a bank account. None of this was my fault. I was a victim in this case. No one has reached out from Bank OF America to help resolve this matter. They did not even bother responding my attorney 's letter. That is how bad they are in every aspect. I need my name removed from the XXXX database as soon as possible.

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 2016-10-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Navy Federal Credit Union had frozen my Bank account on numerous occasions as a means of obtaining payment on a credit card and would not allow me access to my account until said payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: UT
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:
I 've had my student loan for several years now and I have n't been able to pay it until recently. In all my dealings with Navient they never offered to do a income based payment plan just kept putting it in forbiddances. I called their customer service line at the beginning or XX/XX/2017 to see what payee 's name I should put on my credit unions bill pay site and they told me Navient so that is what I put. I checked a few days later and the payment had n't been posted to my account but had come out of my bank. So I called again and was told I had the wrong payee 's name. So I was finally given the right payee 's name and got that updated with my credit union. Then I was told that the funds would be returned to me in the few days and I could just resubmit payment. Well in a weeks ' time nothing happened on either end so I called back a few times and was just told to wait. Then I called again and talked to a gentlemen but the name of XXXX and said he saw the payment and he would request to have it posted to my account and that it would be posted no later than XX/XX/2017. Well today XX/XX/2017 I received notice from my credit union that the payment had been returned and that I would be refunded to my account in 1-2 business days. 

This is very frustrating because now my payment will be late and after all the calls and time I 've wasted it did me no good. I am extremely dissatisfied with the customer server or lack thereof that I received from this company. If I could pick a different servicer I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since our previous complaint, we have received no further correspondence from the lender in reference to the issues that are preventing us from obtaining a reasonable offer. The lender insists that they must net {$230000.00} ; however. that amount is determined by a questionable appraisal. Questionable because of the condition of the property. It is in need of {$15000.00} to {$20000.00} worth of repairs. We believe that this appraisal is prejudiced and have asked for a second opinion. None has been provided. The appraisal was at {$270000.00} and was significantly higher than the previous one of {$260000.00}. Again, neither appraisal has accounted for the repairs needed to bring the property to comparative market value. Furthermore, we have ask for a closing costs explanation as to how the net of {$230000.00} was determined. None has been provided. Prospective Buyers have expressed their reluctance to submit an offer since the valuation has been set too high.

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 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I read online today that Navient is being sued, and I believe I have been effected in years past. Navient recently transferred my loans to a different provider but for years I had my loans in deferment instead of income based payments. How do I include myself as a victim of the alleged deceptive practices? I graduated from XXXX college in 1998 and still have XXXX to repay. 20 years out of school and still not making enough to pay the interest on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am reaching out to you because I believe I have been a victim of Wells Fargo mortgage forced insurance fraud with XXXX. As I was paying my insurance through my monthly mortgage payment serviced by Wells Fargo, they were supposed to be paying my insurance company. When I had damage to my house in XXXX 2015, I found out that the bank was not paying my insurance company. They have instituted a more expensive insurance policy that I did not approve of nor was I notified. I have been trying to get reimbursement and have not been totally successful. This has been a systematic and widespread practice throughout the financial industry resulting in multiple class action suits from homeowners numbering in the multiple XXXX dollars. 

As all of my correspondences are in emails and written letters, I am unable to upload most of my documents. Please reach out to me to obtain these.

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 2015-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Forced to take predatory loan right after XXXX XXXX for small XXXX foot camper for emergency shelter. Attempts to get loan modification ignored. Gave it back to them as a voluntary repo. BOA doubled down and demanding even more money than was owed before and wanting it all at once, immediately, or else. Attempts to contact the loan officer who is never there. Calls from boa never reference any letters I have written, they just try to pump me for information, obviously reading from a script and will not deviate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2010 I applied for a loan modification. During the 'trial ' period I was given a payment amount to make and I paid each and every payment on time and complete as agreed until the modification was approved on XXXX/XXXX/2010. I have recently discovered that Bank of America has been reporting me as having late payments and this has had a negative effect on my credit score, dragging it down, according to my current servicer, to XXXX. I never made a single payment late nor did I pay a late charge. I recently disputed this through XXXX of the credit reporting services but Bank of America has refused to correct it. At the time I applied for the modification I was told that it would not effect my credit as long as I made the required payments. In checking the .gov relative to the modification I found that BOA was not supposed to have reported me as delinquent. I would like for you to handle this before I need an attorney. I believe that I am not the only victim of BOA in this and BOA should be investigated for this practice.

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 2015-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased a property at XXXX XXXX in XXXX Florida in XX/XX/XXXX. The seller used an attorney to close the transaction. 
A title search was done and title insurance was issued. 
This year XX/XX/XXXX, Bank of America starts foreclosure on my property stating that there was an outstanding loan on the property at the time of closing. There was not a recorded mortgage at the time. 
Evidently my former seller declared bankruptcy and Bank of America realized they did not record a mortgage on the property that I bought in XX/XX/XXXX. Without doing a title search to see that the property changed hands, they recorded a bogus mortgage on my property and is bullying me and has started foreclosure. 
Please help me. I have a XXXX veteran living in the premises and am concerned that besides paying excessive legal bills to defend myself, if I lose this house, he will be on the street. 
Bank of America knows this is frivolous and is trying to steal my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation