BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BB & T improperly denied our repeated request for modification never providing any tangible evidence or explanation as to why. They then took advantage of us with servicing shortcuts and unauthorized fees. They failed to promptly and accurately apply payments made, and charged unauthorized fees for default-related services resulting in a huge amount of accumulated fees, penalties, and interest. They deceived us about foreclosure alternatives. They failed to provide accurate information about loan modification and other loss-mitigation services, they also failed to properly process our applications and calculate our eligibility for loan modifications on XXXX separate occasions. They provided false or misleading reasons for denying loan modifications. They threatened and engaged in illegal foreclosure practices. They provided false or misleading information to us about the status of foreclosure proceedings where we were in good faith actively pursuing a loss mitigation alternative also offered by them. 
I believe they have realized their mistakes because just recently after refusing to grant our requested modification for the third time, they somehow added my name to the mortgage and approved it for modification. They had previously turned it down even though our circumstances with income and debts were the same or even better. When I asked why they approved it this time after the previous denials they told me that maybe the guidelines had changed. They could and would not send me anything in writing explaining why it had been previously denied but was now approved. Can they just add my name to the mortgage? If so, why did n't they do this on our prior attempts at modification? The process took over 6 months each time we applied for modification and has caused an accumulation of over XXXX in late fees and penalties. We are currently in a chapter XXXX bankruptcy and we are waiting on the court to approve the modification inside the BK. During the previous attempts at modification they would never provide any concrete explanation of why we were being denied. The modification is still higher than our initial payment was by approximately XXXX to cover all the accumulated interest, fees, and penalties. They should n't be able to get away we should be made whole even to the point of having the mortgage forgiven and receiving a sum over and above for damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XX/XX/2012, someone hacked into my email account and found emails between me and my lawyer in which I had given him my banking details. This person also got into my lawyer 's account and found information regarding another of his clients. This person then used the other client 's details and forged a check for {$8000.00} in her name which he then sent to my Bank of American account for deposit. The bank discovered that the check did not have enough funds to cover this amount and they returned it, causing both me and the owner of the account to get NSF fees charged against our accounts. I was unaware of any of this until Bank of America notified me. They then closed my account and told me that I could not ever again have an account with them. They sent reports to both XXXX and XXXX XXXX saying that I had made an attempt to " transact ( or attempt to transact ) with an account in an unauthorized or prohibited manner. '' This was incorrect. I did absolutely nothing wrong. I told Bank of America what had happened, which my lawyer explained to me after I told him about it and he had heard as well from his other client. They refused to reconsider their decision. This has made it impossible for me to get an account with any bank anywhere. I tried to open an account with XXXX XXXX XXXX XXXX, in which I am a member of long-standing, but was denied because they told me that I had caused a loss at another financial organization. Bank of America never said anything about any loss and there was none. I have attempted to open accounts at several other banks but have been refused there as well. All of this has ruined my financial credit. I did absolutely nothing wrong and am being punished for something that some internet hacker did to me. I need to get an account with a bank because all that I have now is a reloadable debit card with XXXX XXXX XXXX and this is not adequate for all of my needs. I have a lot of documents explaining everything that happened, but I can not attach them to this complaint and will have to send them to you separately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Until XX/XX/XXXX, I was not aware that a loan in the amount of {$50000.00}, had been taken out in my name XX/XX/XXXX, by a Branch Banking and Trust ( BB & T ) Company employee. I never entered into any BB & T Branch to sign loan documents, however, my forged signature is on loan documents along with a witness signature atesting to witnessing me sign this document. The loan was secure by a property that I did not own, but lived in. It is my understanding that the loan was never processed correctly within BB & T ( i.e. the loan was not tied to the deed of the real estate property for which it was secured by ). 
When I was contacted in XX/XX/XXXX, about repaying the loans in default, I tried to tell the collections person that I did not take out this loan, however they did not want to hear it. It was difficult to speak to anyone within BB & T because each time I called they forwarded me to the collections people, who did not want to hear anything about this fraud or provide contact to anyone that I could speak to. I sent written acknowledgement to the collections company informing them of the fraud in the loan. I go a response indicating that they found no fraud and that I needed to repay the loan. I researched and found a number to contact a person inside of BB & T who I called and explained the issued to her. She was not aware that the property that the loan was secured by had been sold without BB & T knowledge, and could not explain to me why BB & T had not secure the loan repayment prior at the sale since the loan was secured by that property. Although I provided this information, she still could not assist me with anything. In XXXX, I contacted the BB & T collections attorney and provided written response that there was an error and the loan was fraud, the response received indicated that they found no fraud with the loan and that I needed to repay or they world take me to court. BB & T and it 's collection attorney XXXX, XXXX, XXXX XXXX, XXXX was granted a judgement against me in XX/XX/XXXX. Since than, BB & T has made my like XXXX, they garnished my wages taking XXXX % of the earning every paycheck for the since XX/XX/XXXX until now that the loan has been paid off. At the time I had just become a single mother, so it has been very difficult. Please investigate.

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 2017-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Contacted the lender ( SPS ) regarding documents for a refinance. After months of attempts. XXXX XXXX - XXXX XXXX XXXX we were stalled on various recorded phone conversations regarding an ACTUAL HARD COPY OF THE MODIFYING NOTE Itself. SPS has produced a copy of the loan modification application, and they have the hardship letter in their possession ( submitted by the borrower, me ) however to date they are unable to produce the actual signed document regarding the loan modifications. We did apply for a loan modification on XXXX/XXXX/XXXX and SPS informed us that the government program regarding the loan modification was no longer available. To date there is no change or was never a change in the mortgage payment to account for a loan modification. SPS has stated on XXXX/XXXX/XXXX that a " REQUEST FROM THE PRIOR SERVERS ( of the loan ) TO PROVIDE ACTUAL COPIES OF THE LOAN MODIFICATION. We are quite frankly finding it hard to believe that they have all copies of the loan modification documents except the most important part of a loan modification ( the very document that explains the financial workings of a loan modification ) We were also told that this was an open ended time frame for acquiring these loan modification documents and that we would just have to wait. We have come to your agency in hopes that you can assist in resolving this important issue within agreeable/allowable/lawful timeframes. Any and all immediate assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received treatment in XXXX XXXX back in XX/XX/XXXX and now, XXXX takes care of myself. I always pay my bills on time. NOW, Dynamic recovery solutions is trying to collect XXXX XXXX from a debt they bought from XXXX XXXX XXXX dated XX/XX/XXXX and I do not have any record about it. So, I consider this could be a fraud attempt to collect money from former XXXX patients

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint on SELECT PORTFOLIO, I just received their response, it is dated XXXX XXXX, 2016. I am responding to their answer. What they are stating is not true. They never offered me any of the things they are stating they offered me. 
I had a lawyer trying to get a modification from them and they refused to give it to me. They stole the Equity on my home. 
I worked hard to buy my home and worked to make my payments all of the years that I had been paying on my mortgage. To think that something like this could happen is unreal. From the moment XXXX had my mortgage it has been a downhill spiral. Then XXXX got it and during the transfer of the mortgage every time payments went unreported trying to say I had a late payment which was not true. When I send proof and dispute it they sell my mortgage. Select Portfolio did worst. They filed foreclosure illegally. I just filed CHAPTER XXXX XXXX BANKRUPTCY TO KEEP MY HOME. I DO N'T WANT TO LOOSE MY HOME OVER THIS ILLEGAL SCHEME. THE PAPERWORK THAT SELECT PORTFOLIO SENT ME AS AN ANSWER TO MY COMPLAINT IS ALL LIES. THEY NEVER TRIED TO HELP ME. SOME OF THE PAPERS HAVE DIFFERENT INFORMATION AND ADDITIONAL INFO. 
FROM WHAT I SIGNED. Papers were robo signed as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a fraudulent charge on my checking account and the bank will not do anything to reimburse me. Every person that I 've spoke to at the bank has agreed that I am owed the money back to my account. But, they do not know how to do it in their banking system. The amount of the transaction is {$67.00}. and it took place on XX/XX/XXXX. I attached a screen shot of the charge on my online account. Please note that XX/XX/XXXX, XXXX merged with BB & T and they are blaming the problem on the merger.

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 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX credit card Compromised : fraudster : XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made deposits to the account from a Bank of America account. XXXX XXXX said that they suspect fraud the money was transferred by phone. and than returned because they could not collect debt of $ XXXX.paymentsDate Method Account Name Payment Account Confirmation Code Amount StatusPending PaymentsPayment HistoryXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$12000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX XXXX SavingsBANK OF AMERICA, NA ... XXXX XXXX {$11000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8900.00} XX/XX/2015 Phone Platinum XXXX ... XXXX Personal CheckingBANK OF XXXX, NA ... XXXX XXXX {$5000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4200.00} Paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage banker was PennyMac Mortgage in XXXX XXXX, XXXX XXXX XXXX and XXXX ( current mortgage ) paid Penny Mac {$150000.00} to a principal balance of {$150000.00}. Penny Mac insisted that a refund check was issued on XXXX XXXX, I got XXXX for {$60.00}, that is all. Other than this I have made extra payments in XX/XX/2014 for XXXX and XXXX payments of {$250.00} in XX/XX/2014 which were never applied to the principal. I have requested several times for a summary of all payments made by me from XX/XX/2013 to XX/XX/2014 and never received this. What kind of a mortgage company is Penny Mac hoarding the money of a poor homeowner who was never late in making payments, biweekly drawn by Penny Mac from my checking account. This was simple mortgage no insurance or taxes included, I pay for these out of pocket.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: ACS Education Services
State: VT
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 a student loan with ACS Education Services from my graduate education. I 've paid my bill on time for years and have my account information stored on their website. In XXXX, I missed a payment due to forgetfulness and once I remembered XXXX attempted to pay both months to get current. On XXXX XXXX, I paid online and went about my business. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, ACS sent an additional email saying the payment was rejected due to " unable to locate account. '' This is a bit odd because all my banking information is stored on their website and I have n't changed anything. I checked the account number and everything was accurate. I called ACS helpline and asked for guidance. The customer service rep was polite, but did not have access to the details of my account and thus could n't tell me what was going on or why the payment was rejected. She advised me to pay again. On XXXX XXXX, I logged in and once more scheduled a payment for both XXXX and XXXX. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, once again, ACS sent an email noting my payment was rejected due to " unable to locate account. '' Even after the payment was rejected, the website showed the account as paid and for a day or XXXX would not let me schedule a payment. On XXXX XXXX, I called ACS and made a phone payment for XXXX On XXXX XXXX, I logged in to my ACS account online and reentered my banking information -- literally nothing changed, I just re-entered the numbers -- and scheduled a payment. This time it went through, and with the phone payment everything ( for now ) appears to be up to date. However, we 've received a letter from ACS threatening to report me as late and negatively impact my credit score. 

My complaint can be stated more succinctly : their system for payment is immensely confusing, communicates conflicting or incomplete information, and generally seems designed to not work. When the system inevitably breaks down, there seems to be no one available to talk to in order to resolve problems. And as consumers like me scramble to fix something that seems made to be just out of reach, ACS sends letters challenging me for my lapses. I do n't mind being held accountable for paying back my student loans, but I would hope ACS can also be held accountable for its servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Is there a past due balance? 

If so, why? 

Is this account current and in good standing according to PennyMac? 

I see the principal balance did not change from XXXX XXXX XXXX 's XXXX 2015 principal balance from XXXX 's Principal Balance even though XXXX 's payment was posted. 
XXXX 's ( XXXX XXXX XXXX 's XXXX Principal Balance XXXXPennyMacs XXXX Principal Balance : XXXX 2015 yearly escrow need funding? 


2015 Yearly TAX Escrow : {$740.00} a year. {$370.00} X XXXX XXXX XXXX XXXX : {$1200.00} Yearly escrow for home insurance and taxes : $ XXXX so ... .. how much do I pay towards escrow and how do I pay? 

Thank You, XXXX 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 2022-06-05
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXXt # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy is appearing on Experian report. This is NOT my bankruptcy and I did NOT file it. Please remove it

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 2015-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The chain of 'Assignment ' is in question for my mortgage ; To begin, XXXX XXXX XXXX the original lender ; then the loan was immediately sold to XXXX XXXX XXXX XXXX ( there is no record of an assignment of the deed that I have seen ). After XXXX XXXX XXXX XXXX 's demise Bank of America acquired loan servicing. XXXX was the tracking vehicle ( based on the 'Original ' Security Deed ) ; then, on XXXX XXXX, XXXX, Bank of America requested that XXXX XXXX prepare an 'Assignment of Security Deed ' from defunct XXXX XXXX XXXX XXXX XXXX Bank of America ( Bank of America had already been servicing the loan for 2 years, by this time ). Under the guise of XXXX, XXXX " Assistant Secretaries '' of XXXX signed the document and then the " assignment '' was sent to the county clerk and recorded on XXXX XXXX, XXXX. 

Furthermore, Bank of America sold the servicing rights for my mortgage loan to XXXX XXXX XXXX, effective XXXX XXXX, XXXX. On XXXX XXXX, XXXX an " Assignment of Security Deed '' was prepared by Bank of America, to be recorded and sent back to XXXX XXXX. XXXX stated in a XXXX XXXX, XXXX letter to me that the loan was still being tracked within XXXX and all assignments would occur there. However, the XXXX ( XXXX ) for HUD stated : " HUD does not work directly with the XXXX system, however mortgagees are not actively using the XXXX system anymore to sign documents and if there are any corrective actions being sought, the mortgagee must correct the issue outside of XXXX. XXXX has to align the title issue with the county clerk. '' Interestingly, XXXX did not send me a copy of the recorded assignment, based on my XXXX XXXX, XXXX QWR ; they only provided the unrecorded version of the 'Assignment '. Also, all the names on the document Bank of America prepared are stamped and the signatures a virtually illegible ( via XXXX some of the names have been noted as Robo Signers ). Upon further examination, the recorded document ( stamped XXXX XXXX, XXXX ) was changed from being sent to XXXX to being sent to a foreclosure attorney ( who requested this address change ). 

When viewing XXXX, Bank of America still shows up as the Servicer and there is no history of assignments. while XXXX was being used. The chain of title may be clouded, because there is no record showing that XXXX XXXX assigned, sold, transferred the deed to XXXX XXXX XXXX and Bank of America 's deed transfer to XXXX looks suspicious, because Bank of America was not sure they were going to Service Release my loan, until they confirmed to me on XXXX XXXX, XXXX.

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