BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I refinanced my home equity line of credit with Bank of America in XX/XX/XXXX. This year they contacted me to advise that under a new program I can qualify for a lower interest rate. I applied. In XXXX they advised that they were not able to approve the application because " loan to collateral value ratio exceeds lending guidelines ''. Verbally I was told that I could qualify for {$40000.00} less then my present balance. 
I assume they are saying that my house went down in value at least {$40000.00} in XXXX year since they refinanced me in XX/XX/XXXX. The property was reassessed for XX/XX/XXXX by XXXX XXXX XXXX, and the assessed value increased by thirty-three percent ( 33 % ) since the last reassessment. 
I write to Bank of America on XX/XX/XXXX, to request information as to how they can justify their determination. To date I have not received 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 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX 2012 closed a Bank of America checking account at XXXX branch. 
Asked that {$500.00} left in account to cover any debts that might still be outstanding. 
Bank associate assured me twice that {$500.00} was left in account. 
Moved to Illinois. Approx two weeks later ( when I had internet connection ) tried to log into account but it was closed and locked. 
Called to check balance and was told " the account 's closed. I cant talk to you. '' Demanded to speak with someone of higher authority and was put on hold two different times and disconnected. 
Tried to call XXXX manager who wouldnt speak to me. 
Wrote letter to manager who sent a form letter to call customer service. 
Finally reached manager who told me it had been referred to collections - they did not leave {$500.00} in the account and it was overdrawn {$250.00}. 
When I said that they wouldnt talk to me, he said it was referred to a collection agency who had called me. 
No collection agency has ever called me. 
I fortunately opened another account with XXXX XXXX before XXXX listed me as a deadbeat. But if I move ( I live in XXXX now ), I can not open an account with any bank. 
I filed a complaint 3 years ago with a federal government agency and Bank of America 's " Executive Complaint? '' called me several times to " resolve. '' On each call, they forwarded me over 6 times. Each time I had to explain the situation and they still wanted to forward me because they " couldnt help me. '' I have contacted XXXX who has told me to contact the bank to resolve. 
Why must I pay the price when banks make an error?

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 2022-05-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank accounts that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00}

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 2022-05-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$23.00} XX/XX/XXXX XXXX XXXX {$23.00} XX/XX/XXXX XXXX XXXX {$44.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$260.00} these purchases were made on XXXX from an accident as the items were delivered, I contacted American express to find out that the account has charged the transactions from an expired credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare continues to take my money but not pay my mortgage. XXXX XXXX keeps calling wanting their money. I am 2 months behind on my mortgage but I have never missed a payment. Now I find out Loancare sold out to XXXX XXXX but did not release my funds?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  account XXXX XXXX, XXXX XXXX  XXXX XXXX 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. A Consumer support agency can not furnish 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 2016-10-18
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my loan, and had an escrow balance of {$1900.00} to be refunded to me when I looked at my account after it had been paid off. When I received the check, they shorted me {$100.00} and only paid me {$1800.00}. I called and they said it was Mortgage Insurance paid on XXXX/XXXX/16 when my refinance closed on XXXX/XXXX/16. They said it was in arrears. I asked my lender if this sounded right he said no that they only way that would happen is I 've been late or missed a payment. I 've never been late on a payment, my Mortgage Insurance started with my first payment and I should n't have been shorted. I would like help with this please.

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 2017-02-13
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I received a letter from my insurance stating my homeowners insurance has not been paid and it was escrowed by Ocwen. After lots of time on the phone and help from my insurance company, it was overnighted and paid. XX/XX/XXXX I received a check for {$590.00} from the escrow dept stating our escrow account was overfunded and this set it right. XX/XX/XXXX I got a letter from Ocwen 's escrow department stating I owed them over {$600.00} to make the escrow account balanced and included a schedule of increased payments to catch up the account. After much time on the phone with a customer service rep and later the supervisor, I decided to cancel the escrow account and per their instructions wrote a letter that was signed by my wife and myself stating all the supervisor requested plus a check for {$51.00} that would bring the account to XXXX and allow the cancellation. I was told they needed 10 days in order to make this happen and mailed the letter with the check on XX/XX/XXXX. I was told the adjustment to the auto draft would be automatically made and the XX/XX/XXXX draft would not include the escrow amount. However, it did and further I received a monthly bill on XX/XX/XXXX stating an amount of the payment for XX/XX/XXXX which still included the escrow amount. Checking my account, I found they had taken the escrow amount, which should have been cancelled ( we have the cancelled check that was inside the letter ) with the XX/XX/XXXX payment and clearly they had not cancelled the escrow payments. I called customer service on XX/XX/XXXX and spoke to an escalation Supervisor who stated he needed 3 - 5 days to look into it. I firmly but respectfully expressed my dissatisfaction with his company and I am now awaiting response. This blatant incompetence on the part of Ocwen is irresponsible and I regret having them escrow my property taxes and insurance which I will pay myself once they figure out how to cancel the escrow and pay me back what they took in an unauthorized way. Please warn others about having an escrow account with Ocwen who clearly ca n't manage those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Credit Report dated XXXX XXXX, 2015 is showing several delinquencies for late payment. These periods are a part of a XXXX modifications. My Bank of America contact person for the modification told me that they are fixing all these once the modification is approved but I still see these payments marked as late. I send a letter to the bank disputing the late payments because I was never late and they send me a letter telling me that the information that they provide to the credit report is accurate and that information is the same as the credit report that I was dispute with them several months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: TENET HEALTHCARE CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I need your assistance in helping me to get several accounts reporting on my credit file from Central Financial Control removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified the Credit Agencies of this along with Central Financial Control. However, Central Financial Control has reported to the Credit Agencies that these accounts have been verified. How could they verify an account with the Credit Agencies and they can not verify this account with me. I have asked for proof of this account and I still have not received anything from Central Financial Control.

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 2017-01-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Loans serviced by Navient. I was forced into forbearance and then defaulting in order to qualify for income based repayment. I was given no other option but to default when i could n't make payments on time. This destroyed my credit and is highly illegal when there were other options available yet were withheld from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Total Card, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This credit card has not issued me a replacement credit card yet continues to call me asking me to pay a bill on which there are several charges I did not make. Thus a new card being shipped out XXXX months ago! This makes no sense, and they never even asked me if I got the card. Never concerned abou providing me a fresh start

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Hello CFPB, I am writing to you today regarding my Checking Acct # XXXX with bank of America.The purpose of this letter is to see if you would kindly to help me to remove the hard notice on my name, where is the reporting of my SSN to XXXX ( XXXX ) and XXXX. 
During the time period this account in 2011, I was in XXXX, XXXX and I had returned XXXX checks from my account at XXXX XXXX in XXXX, where I was a XXXX XXXX at XXXX XXXX. Unfortunately, my money was delayed from the US department of State resulted in suspected fraud activities over my Bank of America account. I was not purposely violating the Bank of America regulations. I became aware of the unpaid balance when I got a copy of a XXXX report in of unpaid balance. So, I acted right away and I paid the balance of {$74.00}. under Cashier 's check No XXXX. I am hoping you might review the circumstances under which this occurred and consider removing the negative hard line associated with my name, and give me the chance to restore my relation with Bank of America, especially, I just arrived as a XXXX and I am building my new career of XXXX in the US. 
Your kind consideration in this matter is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep submitting complaints against Resurgent Capital. They keep claiming they are going to delete my information but keep sending letters. Can they be held accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

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 2015-05-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received a letter from Wells Fargo XXXX XXXX OFFERING me an increase on my card and stating all I had to do was call the number ... XXXX ... to answer a few questions. Little did I realize what would result. The rep asked my income and I told her. It is higher by about {$5000.00} than when I got the card. The letter states : your account must be open, in good standing, and your credit limit must not have changed in the past three months. '' Great ... that 's me. A person named " XXXX '' or " XXXX '' said, sorry my income does n't meet the requirements. I disagreed and asked to speak to her supervisor. My income is more and my debt less, so I do n't understand. XXXX told me she would have the supervisor email me later and I said I 'd rather hold and speak to the supervisor ... .and after a hold of about XXXX minutes, someone who identified herself as " XXXX XXXX '' spoke with me and reiterated what was said. The supervisor was fake understanding and conciliatory but would not understand my point. My main complaint is the letter and their tactics were deceptive. The letter never said I would have to requalify and prove my income. According to the letter, I fulfilled all the criteria, and they said they were raising the limit, I did n't ask. Adding insult to injury, I am a Wells Fargo customer with a checking account and a home mortgage with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i have been trying to do a loan modification since XXXX my home was up for sale, i file bankruptcy to save my home i made the payments and the bankruptcy payment as well. in XXXX i end up in the hospital and could n't make my payment i file for a loan modification and after giving me the run around for a yr they said that i did n't qualified for a loan modification after submitting paper work and application for more them 6 times. the only help the can provide is a short sale.

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 2022-10-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In an effort to save my home I have requested a payoff request from the servicer, Specialized Loan Servicing, SLS, on 3 occasions. This request is done through their website through the customer portal. https : //sls.servicingloans.com/home/ Below are the XXXX dates where I have requested a payoff amount : XX/XX/2022 XX/XX/2022 XX/XX/2022 An today on XX/XX/2022 I have also requested for a payoff request. 

The reason for my payoff request is so that I can see if I can payoff my mortgage with my retirement account.

The SLS website tells you that that I should have my payoff quote e-mailed to me within 24 hours from the time I request the payoff quote. Each and every time I receive a message stating my request has been submitted and that a response will be sent to my e-mail address within 24 hours. To this date this has not occurred.

I am demanding that SLS sends me a payoff amount immediately.

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 2020-12-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Credit line opened under my name unknowingly. I did not open up a credit card with merchant ( Home Depot ), nor did I ever have any line of credit with merchant, I checked my credit report and notches issue. I was a victim of identity theft and I want this issue resolved immediately. 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 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Due to some kind of technical error, which Navient was never able to explain to me, I was charged double every month in auto payments for a period of 5 months, adding up to thousands of dollars being overpaid before I realized what was happening. Upon calling them, the agent I spoke with seemed very caught off guard that this would have happened and was very apologetic. She looked into it and agreed for whatever reason they were auto deducting twice for the same payments every month. She spoke with her supervisor and assured me I would be refunded all the money that was overpaid. A month went by when I realized I had never been refunded anything. I spent hours on the phone before someone was actually able to help me, at which point a very nasty lady informed me that it was my fault this happened, and had she been the one to talk to me she never would have promised to refund the money. She refused to refund me a dime, money that should have never even been paid to them in the first place, was never owed to them but taken due to some kind of technical glitch, and that they had already promised me, over a recorded phone call none the less.

Company response to consumer: Closed with explanation