BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of American delayed approval of my shortsale request for 18 months in violation of numerous regulations. I had a patient buyer who worked with me to constantly resubmit contract extensions as we awaited approval. While it was pending the last step, I called Bank of America on a daily basis for almost 1 month and never got a returned call -- and then just learned that they transferred the mortgage to XXXX and closed it this month without providing adequate notice and in violation of regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Bank of America has an option on their Automatic Payment web page that says in essence " if my bill is over {$1000.00} - do n't pay it. '' So you think you are setting up an automatic payment, when in reality you are actually telling the site to automatically not pay your bill. Then, when your bill is not paid, Bank of America charges you a {$25.00} late fee. This seems like a deceptive business practice designed to trick people into missing payments in order to generate income for Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We just received a request for payment of our mortgage from a new lender, so our loan must have been sold. However, we just sent XXXX payments ( the additional payments will go towards principal ) to Bank of America, not knowing they sold the loan. What is our best course of action? We do n't have the cash on hand to make a payment to the new servicer, how do we get the money from BoA to the new company? Is there a way to block loans from being sold? The new servicer is called XXXX, is that a reputable company?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged over {$1400.00} by bank of America in less than XXXX months for overdraft fees. All the overdraft fees are directly related to XXXX, which they have classified on my account as a " recurring '' purchase, which is why it has been paying it out. The over drafts are all less than {$5.00}, and I have requested Bank of America to return XXXX to a normal status on my account, and not the recurring characteristic that they have changed the designation to, in order to prevent the fees from being payed out. The account is a bank account set up to allow a younger sibling to take a specific amount of XXXX 's each month instead of the bus, and when he reached his dollar threshold previously, it would force him to take the bus. Now, the account overdrafts and charges me massive amounts of fees, defeating the entire purpose and set up. This is absolutely outrageous to have been charged {$1400.00} in overdraft fees in less than XXXX months for a designation BOA decided to change with no notice to me, and now will not change back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-05
Company: AES/PHEAA
State: TN
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:
have private student loan through american education services and XXXX. have been paying on this for 10 years and only {$300.00} has been applied to principle. filed this complaint earlier and have not gotten any response yet. they are harrassing my sister who co-signed loan and threatening to sue her. i dont hear anything from them. have asked repeatedly for copies of payments and how they were applied. i am only able to get from 2009 to now on payments from their website ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: KY
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:
After receiving my XXXX XXXX I took about a year off and had Navient defer my payments. When the deference ended they automatically reported it to my credit bureaus drooping my score significantly. When I called them, they had me print off all of my credit reports, fill out paperwork and mail, not fax, it to them. I did all of this in the XX/XX/2016 and it still never got fixed. My credit bureau said they ca n't do anything unless Navient agrees that it was a mistake, which they never have. I 'm now being forced to try and raise my credit score back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My payment is current, but I 've received collection calls everyday and there 's also a late fee on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: WA
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 have taken off XXXX quarter so my student loans came out of deferment. I logged onto the navient website it showed a total owing for the month of XX/XX/XXXX. I paid the amount in full. A week ago i started getting automated calls from them saying they have a message for me to log on to my portal. I did that today. It showed a past due amount for XX/XX/XXXX along with a small late fee. I called to talk to them - ridiculous. When I explained that they back dated a loan payment and needed to fix their issue they preceded to tell me where my payment went that was done XX/XX/XXXX - over and over and over again. Never listening or dealing with the fact that they back dated a loan payment that was not there when I paid for XX/XX/XXXX. I spent over an hour ( this is actually a short time for them ) on the phone trying to get them to understand the mistake they made. No resolution. I was charged a late fee, i wasted over an hour, and still had to pay the late fee. I took a picture this time of the website showing that no other monies were due for the month of XX/XX/XXXX. They do this continuously to get the late fees. They do not listen to what you are saying just keep repeating themselves about how I owe this and I owe that - I have no issues paying the loans, I just do n't like the deceptive, non responsive, and argumentative way they handle repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received a loan back in XX/XX/2001 with XXXX/Navient. Over a course of years my loan was sold ( without my knowledge ) and the amount owed increased tremendously. This is affecting my credit and still appears on my credit report. My current loan, after being consolidated, is now with a new company. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have loans that were through XXXX XXXX and then transferred to Navient. I got in a tight situation with medical problems and couldnt work for a bit. I still tried making payments as much I could possibly afford. I even had them automatically withdraw each month. Well then they told me that the only thing my payment basically wasnt counting and interest was eating me alive. I even had " lost '' payments that I provided proof for and was never credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Between XXXX XXXX XXXX ( XXXX ) and Navienet they failed to explain the terms and conditions of the loan. I have a XXXX and now am struggling to repay my loans and am getting no help from either XXXX or Navienet. I have been in deferred payment status several times as a result of my inability to maintain a job and they have never offered any assistance beyond deferring payments which simply increase the total cost of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I made a payment on XXXX XXXX and I can prove it. 
Citibank failed to process my payment until XXXX XXXX and then charged me a {$37.00} late fee. I called Citibank to get them to reverse the charges and they refused. This exemplifies the unethical tactics of the banking industry.

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 2015-09-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander USA refused to accept my payments for the months of XXXX, XXXX, XXXX and XXXX then in XXXX they wrongfully repoed my car and i also asked them over the phone if i can give them XXXX $ they said it has to be XXXX $ or more which i found out they cant do that. then i got a letter saying they wont speak to me over the phone at all. i tried going online to see if i can make a payment and it says my username and password is wrong when it wasnt. this company is playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

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 2015-10-23
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a prepaid Rushcard that I still cant use at this time. The company states that the problem is fixed, but I am still getting error messages when I try to transfer money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection company that keeps putting an amount on my credit report. Every time I get it removed, they change the account number and put it on again, with a different date too. 

Their name and address is : Credit Management XXXX XXXX XXXX XXXX, TX XXXX It says it 's for XXXX XXXX XXXX, however I have NEVER had service with XXXX XXXX. I 've always had XXXX. 

No matter what I try to do, they will not stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: Debt Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
2 days ago my wife and i received phone calls from private number stating they have paperwork to deliver with lawsuits, then I received a notice in the mail from Debt Recovery Solutions stating I owe XXXX from a debt that is over 14 years ago that was not even mine. It was a identity theft. I called the number on the bottom of the paperwork XXXX which is a robo number stating I could win a XXXX dollar gift card to merchants like XXXX. I did not speak with anyone. This is a scam company and please review the letter I have attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
i have been leasing a mercedes since XX/XX/2015. I make timely payments withcertified checks and the company keeps reporting me as late and I have sent them proof of payment and they never use it they always state it is returned. Very harassing and poor accuounting skills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My identity was reported stolen to all credit bureaus in 2013 and the police record is on my file. PayPal credit has been continuously calling my phone about a debt I never owed and I have asked them to stop but they said the debt belongs to me. I also asked them to send me Documentations with my signatures on them but they have n't done so. Instead they 're asking me for a police report and I told them it is on my credit report and I will not file another one again. They have been calling me everyday from XXXX in the morning to late evenings. This is becoming unbearable and they 're harassing me. The number they 're calling from is XXXX. My number is also on DO NOT CALL REGISTRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone was able to get my social security number, call my bank posing as me, have a new card sent to them in a state in which I do n't live, transfer money from 1 account to another over the phone, and then go on a shopping spree. CapitalOne bank never went through additional security challenges in spite of the fact that the address given to them was NOT in their file and by looking at my statement, transactions were made in another state ( my state ) the day before. I really think there should be some extra security before getting a new card and cancelling an existing one. Not just birthday and social security number ( both of which can be had ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I FILED CLAIM ABOUT XXXX  XXXX TAKING WRONG AMOUNTS OUT EVERY MONTH WELLS FARGO ACOUNT XXXX REFUSED TOO HELP ME GET MY FUNDS BACK TOLD ME TO CONTACT XXXX  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 explanation
Consumer complaint received 2016-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I enrolled in Capital Ones so called secured credit card and the system denied me and sent some link to view a letter as to " why ''. The link is broken and does not work, they also did a hard pull on my credit report and I received no benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: The CMI Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original lender is XXXX. Countrywide Home Loans was my servicer. After XXXX declared bankruptcy, my loan was never legally transferred or sold. In or around 2011 Bank of America ordered the preparation of an Assignment from XXXX AS LENDER, transferring my loan to them. Now Bank of America claims to be my lender. The transfer violates common law agency, assignment laws and is clearly fraudulent. 
Please review assignment and determine whether or not transfer was legal. I believe I own my home free and clear,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
FRAUD OF ( PennyMac Loan Services , LLC ) REF : PennyMac Loan Services , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX ID # XXXX. 
I have an account with PennyMac Loan Services and I have Insurance with XXXX XXXX XXXX for last 5 years. PennyMac Loan Services NOT Releasing the payment from my Escrow account. My agent reached PennyMac Loan Services , LLC 3-4 times and there is NO Response from PennyMac Loan Services. and iLLegally Imposing Amount : {$2800.00} for insurance. XXXX/PennyMac Loan Services always play these games. I have a OLD Complaint against XXXX XXXX XXXX and Returned my Money. After Complaining to CFPB. Please Help me AGAIN with Fraud of PennyMac Loan Services. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I responded to a marketing message from PennyMac and inquired about a refinance. I received a quote from XXXX XXXX and advised him that I will continue to shop around. I ended up finding a better deal and informed XXXX and PennyMac customer Service that I will not be moving forward with them. I heard no response from XXXX since, today I received a package in the mail that was sent to my address and had my home on the loan documents. However, there was PII data from another PennyMac consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: EOS Holdings, Inc.
State: AZ
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 was recently made aware of a current lawsuit against a collection company known as EOS CCA located in XXXX, MA. They currently have an open account from XXXX XXXX XXXX as of XXXX XXXX, XXXX for a balance of {$220.00} established in XXXX. I have in the past disputed this account and then eventually paid it in XXXX. Of course that was with a different bank account I had back then with no proof of payment. I have yet to receive any communication from this collection company or an option to dispute. This continuously keeps attacking my credit. Any advice or help would be appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is refusing to have an in-person meeting pursuant to XXXX XXXX to which XXXX XXXX is entitled. Additionally, Bank of America has failed to accurate report XXXX XXXX 's payments to the credit reporting agencies. Bank of America has misapplied or failed to applied XXXX XXXX 's monthly payments accurately and is therefore causing XXXX XXXX 's account to be wrongfully in default and has wrongfully initiated a foreclosure when the account is not in defaulted status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Navient Solutions, LLC.
State: HI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company CALLED MY SISTER and claimed that they had that number as my personal residence. 

This is not true, had never been true, and they are in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: The Law Offices of Gerald E Moore & Associates, PC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm a victim of identity fraud and made countless attempts to let this company know it is n't me. They sent me over a lease with a signature but I never signed a contract with them. I also sent them letters to get this removed with my FTC report and police Report with no solution. My signature has been fraudulently signed on a contract that I did not sign and this company continues to report it after all documents necessary documents were submitted to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation