BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-23
Company: Continental Finance Company, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I get repeated daily calls from Continental Finance on my cell phone from XXXX. The hang up when I answer. I owe nothing to them, or anyone else. I have never done business with them. The harassment must stop.

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 2015-08-10
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BSI Financial has not fully answered questions, notices, requests and concerns brought up by me and my attorney. My attorney has requested several times that all sale dates for my property cease while we look into BSI 's responses to my initial concerns and that they provide proper documentation of their alleged right to foreclose. But they have not stopped foreclosure proceedings or stopped the sale date. I have brought up concerns regarding defects in the chain of title, assignment of the deed of trust with the wrong information, robo-signatures on several recorded documents, however BSI will not respond to these concerns. My attorney and I have asked that ALL foreclosure proceedings and sale dates cease until ALL MATERIAL VIOLATIONS THAT HAVE BEEN DETECTED ON ALL RECORDED DOCUMENTS BE CORRECTED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Bliksum, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2017, I was notified by a company that was conducting a background check for pre-employment. The HR manager informed me that a third party responsible for doing their background checks found that my social security number and date of birth were also coming up under XXXX other individuals. They started that I needed to clear the mix up before moving forward. The names that appeared were provided to me and documentation was also sent. The names that appeared are as follows : 1. XXXX XXXX XXXX located in Louisiana 2. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX Credit Allocation Check which is at least enough or almost enough to pay this debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-30
Company: Servis One, Inc., Titusville, PA Branch
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Attorney XXXX, XXXX, XXXX XXXX representing XXXX XXXX XXXX/BSI Financial Services has file a Servicemen Civil Relief Act Complaint to proceed to the foreclosure sale of my home located at XXXX XXXX XXXX, XXXX, MA XXXX. The entity does not have the right to foreclose on my property. In a letter sent to the company in XXXX 2015 at BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX I requested the company to provide evidence that the company has a lawful and rightful claim against my home. No answers were provided. The company 's action violates consumer finance protection laws that the Bureau was created for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Got behind in payment, the property went into Bankruptcy. the lender got relief from stay. Now I 'm able to bring the loan current, lender/servicing company will not sent escrow or my self reinstatement and the sale date is XXXX/XXXX/2016

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 2015-04-14
Company: Finance System of Richmond, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice dated XXXX XXXX, 2015 in the amount of {$2100.00}. from Finance System, Inc. I called and asked what this was for and was told XXXX XXXX XXXX referred me ( for a bill I never received from XXXX ). I sent a cease and desist letter and got a letter back stating they have verified my address and the amount I owe is {$2100.00}. I have no clue what this amount is derived from as the XXXX XXXX never sent me a copy of a final statement. In a letter dated XXXX XXXX, 2015, I received a letter from Finance Systems indicating they are attempting to collect a debt and If I did not pay it they would have no other choice than to contact an attorney and sue me, having my wages garnished. I have also contacted Better Business Bureau and Governors Office of Consumer Affairs and this morning sent a final cease and desist letter to Finance Systems, sending copies to the FTC and Insurance Commissioner of Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-02
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I received a {$50.00} bill from a Citibank ATM. When I went into the branch location to make change, they confiscated it and told me it may be counterfeit. I thought using my bank atm would be safe. The Citibank assistant manager told me that another company loads the Citibank ATMs and that Citibank was not responsible. I was told it would be sent to secret service for further evaluation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Ultimately, someone used my Macy 's card to purchase an expensive handbag XX/XX/2015. I did n't discover this until XX/XX/XXXX - I had n't received statements for some time, so I logged in to check my balance. I found an unexpectedly high balance at this time. Looking through the activity, I found a purchase I did n't make ( a handbag for several hundred dollars, shipped to a name/address other than my own ), which I reported ( or so I thought ) online. I called back a week or so later, XX/XX/XXXX, to check the status and update my address, as the online address update feature did n't seem to be working. At that time, I was told that online reporting did n't work and that no fraudulent activity had been reported on my account ( concerning ), so I reported the incident to the representative I spoke with and updated my address. Another month passed, and I started to see my credit poorly effected, and I was receiving collections calls about the account. I made multiple attempts to call to ask the status of the fraud claim, but more often then not, I was placed on long holds or disconnected ( or both ). I persisted and continued to try to contact Macy 's, and each time, was reassured, it was in progress, and " these things can take ( x amount of time ) to resolve. '' Each time I called, the time period forecasted was longer - initially 6 weeks, then 2 months, then 90 days. It seems that each time I called, I 'd have to tell the whole story, as notes did n't seem to be taken down. Eventually, one representative confirmed my address with me, and they still had my old address on file, apparently, in parts of my account ( how I 'm to know which parts were updated, I 'm not sure - I had moved and informed them of my new address ... ). 

My credit score has dropped approximately XXXX points and the issue remains unresolved. I 've attempted to speak to supervisors, but these conversations ( if not disconnected ) have led to no action. I 'm promised calls back and do n't receive them. In the 15 or so years I 've had credit cards, my accounts have been hacked a handful of times, and I 've never had to bear the brunt of it upfront. I ca n't believe this is legal, and would love for Citibank ( the creditor responsible for the Macy 's card ) to be thoroughly investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: MA
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:
{$260.00} dollars was charged to a debit card by navient, when the card number had never been provided by myself or my wife. We are concerned that a private company is allowed to charge a debit card with no agreement, and without either myself or my wife giving consent to charge a debit card. We have never provided either our debit card number, bank account or consent to charge any account of ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Navient Solutions, LLC.
State: GA
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 make payments to Navient for my Federal student loans. I have not missed a payment in over 2 years. I submitted a payment from my checking account on XXXX XXXX ( as I have done every month prior and every month since ) but my payment, which was withdrawn from my checking account, was never applied to my Navient account. I discovered this error in XX/XX/XXXX and called Navient to correct it. I was told that I needed to submit a copy of my bank statement verifying that the payment was withdrawn from my account in order for them to correct the issue. I sent the statement the same day. I checked my account for weeks and the payment had still not been applied. I called XX/XX/XXXX and was told that they could see my bank statement and the payment should be applied within 10 business days. It never happened. I submitted a written inquiry a couple of weeks ago and, last Thursday I received correspondence stating that they have my bank statement but are still unable to locate my payment in their system and I now need to send additional documentation proving that the payment was withdrawn from my account. In the meantime, all of my other payments have been received but my account still shows as 30 days delinquent due to a " glitch '' in their system. They are causing damage to my credit report and the " delinquent '' payment is racking up late fees. Their customer service is horrible and I am concerned that this problem will never be fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good Day, I am hoping someone may be able to help me with this file I am working with XXXX XXXX in the XXXX w BOA ... she has been great to work with but I think we have run into an issue with the value and the new investor that has taken over as of approx. XXXX XXXX 2016. 
I had been countered at XXXX back on XXXX XXXX ... .I received an email XXXX XXXX there was a new counter per the new investor and they were looking for an additional XXXX dollars from the buyer and or agents. 

There is an appraisal performed from BOA and or the investor and this came in at XXXX in XXXX 2016. I also have a copy of this appraisal and a valuation letter from BOA that was used for the counter the buyer accepted. I feel the investor is taking advantage of a situation were there is no value and this was confirmed by both the BOA Appraisal and the buyers lender. I have explained to the bank if the investor is looking for a higher net or value the house needs to be rehabbed as houses selling for more money are rehabbed and in better condition. The buyers are first time buyers, they are a young couple w a small child and they made a fair and honest offer based on XXXX. They did make an attempt to locate funds from family but were advised it is not smart to overpay for something were the value is not there ... they would need to increase their offer from XXXX to $ XXXX and this is with slim closing costs the bank is paying. The loan is done and all they need is an approval and we can go to docs.. 
The agent is very upset as we had been given a counter based the valuation performed and we also have an appraisal also at XXXX from the buyers lender. 
My concern is any other buyer coming in will also run into the same issue and the value and or appraisal will be an issue. 
I am hoping you can help me..Thank you XXXX Attachments

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 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX XXXX XXXX XXXX security XXXX Bank XXXX. Mortgage XXXX Bank of American Bank XXXX Bank XXXX XXXX XXXX case XXXX XXXX Customer service Group XXXX XXXX XXXX # XXXX XXXX Texas XXXX XXXX Saving and loan XXXX, failed closed in XXXX Home savings and loan XXXX XXXX bank XXXX XXXX Bank XXXX saving and loan Bank closed XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Fax XXXX. 

XXXX XXXX committed fraud, Fraud, forged deeds loan documents identity she put never Been married on XXXX XXXX my husband death certificate I was married to him 28 years

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 2016-04-07
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 'm currently a XXXX ( 4 years ) enrolled in a university XXXX and in XX/XX/XXXX, when I started the doctoral program, I arranged to have my private student loans deferred. I recently received an email from the provider ( Navient ) stating that my loans needed attention. When I contacted the provider ( on XXXX XXXX, XXXX ), I was told that my loans came out of deferment in XXXX XXXX and that I now owed XXXX dollars in overdue loans ( I 'm not sure by exactly how much because I was told XXXX different amounts in overdue loans from XXXX different people because I was transferred several times, put on hold and had to call back. Both calls ultimately ended before I could resolve the matter because the employees switched my over to some automated survey both times -- the first phone call lasted 30 minutes and I got nowhere ). I requested forbearance, but was told I had to pay {$150.00} first to bring my account current. As a full-time XXXX student, I am unable to pay that amount and would like my loans to be placed in forbearance, especially since I never received any advance warning that the deferment status on my loans was about to end, so I never had the notice or opportunity to do so before my loans " automatically '' came out of deferment ( without my knowledge ) and became overdue. Otherwise, I would have done so earlier. I feel that I have and am making a good faith effort to work with the provider, but that the provider is not reciprocating as evidenced by the evasive manner in which they handle my phone calls, the lack of notice they afforded me, and the conflicting information I received. ( Instead, it feels like they almost want me to default so that they can charge exorbitant interest and fees and ultimately sell the debt at a profit. This is n't right, and if it is legal, it should n't be. ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FIA Card Services repeatedly billed numerous duplications of an unauthorized charge over a period of more than a year. By phone, they acknowledged the charge was unauthorized and credited back some of the instances, but then rebilled the same charge in duplicate. According to the Fair Credit Billing Act guidelines, I sent certified dispute letters on XXXX dates ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX ). FIA Card Services did not respond at all to the first XXXX letters and only acknowledged receipt of the XXXX/XXXX/XXXX letter, saying they would research and respond. I never received a response to my detailed documentation of their error ( s ). They continue to bill me and add penalties, they referred me to their collections department, and they reported me as delinquent to credit reporting agencies - all in violation of the Fair Credit Billing Act and their own Billing Rights statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am receiving daily calls to my workplace and personal cell phone everyday from Navient about my student loans that I can not repay at this time do to the outstanding balance and interest on the loans. Navient also calls my mother, grandmother, and husband daily. My mother and grandmother are co-signers on a few of my loans and are unable to help me repay my loans due to their own financial restraints. This is harassment plain and simple and calling my myself and my family members multiple times a day ( including Saturdays ) will not change the mere fact that i can not afford these ridiculous monthly payments they are requesting from me. 

XXXX XXXX University XXXX College XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card
Issue: Other

Complaint:
Several years ago my wife a XXXX lost her job, which caused severe financial difficulties for the family. With her job loss, I had to take over all financial responsibilities as a XXXX XXXX. With her job loss I was unable to continue payments with Bank Of America, XXXX XXXX, and XXXX, and still make the mortgage payment on our house. At the time of her job loss we had excellent credit history. I contacted all the credit cards asking them to work with us until my wife found a new job, and that I would continue to make payments, although they were below the minimum amount. None of these creditors were willing to work with us, and at that time I had to make the decision whether to keep our home or pay the credit card companies. Since that time all have taken us to court, bullied us, and even went so far to contact my employer to have my wages deducted form my pay. At this time they have destroyed our credit history, and at this time no one is willing to work with us for loans. I explained to each creditor what happened, and was willing to work with them until my wife became employed again. Not XXXX was willing to take the time to even talk with me. As of now all credit card companies hired attorneys, and we have paid thousands of dollars to them. Recently, as the balances became close to settlement they stopped taking money each month saying that their law firm was done, but another would be contacting us, this is with XXXX XXXX and XXXX XXXX. The Bank of America has continued, using tactics that I believe is hostile. Much of the amount was paid prior to this, but their interest and payments still baffle me. I am asking for intervention, as I believe their advertising to their customers was deceptive, they would not work with their customers in financial trouble, and made no attempt to contact us prior to starting legal action with a law firm. I am asking that they help us rebuild our credit rating and history as they have destroyed it not willing to work with me when I spoke to them regarding our financial difficulties when my wife lost her job. The attorneys now representing Bank of America are : XXXX XXXX XXXX. 
XXXX XXXX XXXX, Utah XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have XXXX private loans with Navient. They have continued to not work with me for years and at this point I can barely afford to pay for the interest. I have not even made a dent in the principle for years. They also put XXXX late payments on my credit report which was an accounting error on their end and I have been disputing it for a year now with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent letters in to all three credit bureaus ; and no response. According to the FCRA by law if it is over 30 days it must be removed off my credit.

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 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have attempted to modify our home loan with Bank of America, only to be told for the XXXX time that our investor XXXX will not allow modification of the Loan, the process has been very stressful, and I know that we are not alone in this. Please Help!!!

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