BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America can only initiate foreclosure 30 days after contacting ( or diligently attempting to contact ) borrower to discuss foreclosure alternative in accordance with California Civil Code 2923.55 ( a ). Only after ensuring the NOD, NTS, assignments, and substitutions of trustee are accurate and complete and supported by competent and reliable evidence in accordance with California Civil Code 2924.17 ( a ), and after substantiating the borrower 's default and servicer 's right to foreclose in accordance with California Civil Code 2924.17 ( b ). 
Bank of America has not complied with the California Homeowners Bill of Rights as declared in the Bank of America California Declaration of XXXX XXXX, 2016, page XXXX of the XXXX XXXX, 2016 Notice of Default ( NOD ). Bank of America 's substituted trustee, XXXX ( XXXX ) and their third party servicer XXXX XXXX, did n't even know this borrower has been previously approved, offered and accepted a MHA HAMP or this home loan mortgage account is Housing and Urban Development ( HUD ) insured demonstrating noncompliance with the California HBOR as referenced above. 
According to Bank of America 's own generated documents and documentation, the Bank has not contacted or attempted to contact me prior to the recording of the XXXX. Bank of America 's own records also indicate this home loan mortgage account and borrower remains pending in the modification process. If Bank of America 's own records are not competent and reliable evidence then the only record to be considered is the first-hand account of the borrower. 
I know Bank of America has not complied with the XXXX ) enforced by the California HBOR and have not demonstrated the right to begin the foreclosure process to date. Generating correspondence that do not address my concerns and cite previously bank generated documents does not establish the contents of those documents as truths, especially when those documents cited are post XXXX XXXX, 2016, the date of the Bank of America Appeals Department Appeals Report and supporting documentation granting MHA HAMP and directing the Bank of America Underwriting Department to forward borrower into a MHA HAMP TPP.

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 2016-05-04
Company: Navient Solutions, LLC.
State: NJ
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 make monthly payments on my student loans. The payments are made out of my mother 's account by auto debit each month. The payments come out of the account each month between the XXXX and XXXX of each month. I have never missed a payment yet the servicer Navient did not apply my XX/XX/XXXX payment. I 've called the servicer Navient several times, talked to various customer service representatives, provided the bank records they requested to show we made the payment, and yet the servicer Navient has not applied the XX/XX/XXXX payment and has failed to even follow-up with me to explain what happened or even whether they 're looking into the payment they did not apply. I 've had to repeatedly call them to remind them of this payment they did not apply and to prod them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
bank of america closed out my credit card due to a letter that was sent out by national debt relief program by accident. I went into bank of america to ask for help and how to get this matter resolved. the manager gave me the internal debt number and advised me to contact them directly and ask for help. so I called and the first representative explained all I needed to do was fax in the letter from national debt relief revoking their power of attorney off of my bank of america credit card account. i called back 2 more times just to confirm that this is the correct processed and they promised they will reverse my credit card account. I went out of my way and request for the letter that bank of america asked for and faxed it in to the internal dept. I then waited a few days and called them back to ensure they have received the letter. the representative that answered then stated that bank of america by policy can not help me reverse the account. I asked her why she kept giving me the run around and no answer. and then she stated that I was mislead by the other XXXX representative and they did n't know what they were talking about. I asked I called this one number that was given to me how can all XXXX agree with one solution and you are they only person that is denying me service. I am upset for being mislead and now my account which was not passed due is now in collection and hurting my credit report. I asked to speak to supervisor or manager she refused and kept putting me on hold. I asked for a number or complaint department she told me there is none. and that I would have to write a letter to the head quarters.

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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This was paid in full at the settlement amount listed, to the collection agency. The {$110.00} was promised to be cleared from the account because it was an error in billing. They did not clear it as promised and need to. This account is a {$0.00} balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, I lived in XXXX. I had never made enough money to be required to pay XXXX state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that XXXX was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew XXXX would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The XXXX FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, XXXX days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my XXXX credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what Experian shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: ALLY FINANCIAL INC.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was looking over my paperwork, and saw how bad I am being cheated. This XXXX grand caravan, blue book value is XXXX, they got me owning XXXX. Mississippi rate should be 8 % they got this 11.20 %. They also told me I had money coming back off my old agreement he said I would get a check, I waiting about two weeks it did not come I called he said it went on your down payment. But it 's not in my paperwork. It was about XXXX dollars. I need help with this. My payment is XXXX, XXXX on van XXXX a month finance charge. 
XXXX 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 2015-11-30
Company: Pacific Union Financial, LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
our mortgage was sold to a different company. we got a letter saying to pay the original company through a certain date and then submit all payments to new company. we paid the original company as requested and have bank statements to prove it. the new company started calling requesting payment and we told them we had paid the original company as directed. we encouraged the XXXX companies to talk to see that the payment had been made. we were told things had been resolved, yet its listed as a late payment on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX 2016 I checked my credit report and all of the inquiries had been deleted, however I checked my report and see they were put back with no notification. I would like these inquiries removed 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 non-monetary relief
Consumer complaint received 2016-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting me 90 days late twice. last reported XXXX 2015. This is incorrect. I have paid on time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This issue is with Equifax. They are not updating records in a timely manner. I have XXXX dispute that is 6 months old. The information in my accounts are correct with XXXX and XXXX but Equifax is not correct on several accounts that have been paid and closed. They list them as open paid but it is affecting my FICO score. The FICO score with Equifax is almost XXXX points lower than the other XXXX reporting agencies. This ongoing issue is making it hard for me to get financed at a normal interest rate or with getting financed at all..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, A subscriber of Experian, XXXX or XXXX XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, et XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask Experian that the inaccurate information be removed as their subscriber has failed to respond. 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 2016-12-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX credit card debts that originated from Wells Fargo. 
Due to hardship both credit card accounts were later passed off to a collection group called XXXX, XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX, XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. 
If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.

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 2016-01-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been cheated by Wells Fargo! They were to set me up on an interest free payment plan, and I trusted them to do that. However, they set me up on a payment plan that took me way beyond the interest free date and even though I paid more than was required each month, I 'm now stuck paying almost {$300.00} in interest, as well. Wells Fargo really sucks! I will avoid doing business with them in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I WANTED TO CLOSE AN ACCOUNT WITH WELLSFARGO. THE BANKER SUGGESTED TO LEAVE IT OPEN. THEY HAVE CHARGED ME WITH BANK FEES AND WANT ME TO PAY FOR IT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear CFPB, ATTN : Wells Fargo Re-Ordering Transactions to Increase Over-The-Limit FeesI 'm still trying to get the fees reversed but regardless of outcome, I believe Wells Fargo should be investigated for " still '' illegally re-ordering transaction in order to manipulate limits to increase their over-the-limit fees and profits, despite loosing lawsuits pertaining to just this in the past -- in the order of magnitude, exceeding {$200.00} XXXX -- and furthermore despite agreeing in court to stop this exact practice. I had XXXX debit transactions go through the same day, XXXX of which " gas '' usually goes through first.. in almost every prior case, usually XXXX to XXXX days prior to the latter which for reference is my " car insurance ''. This day my account proved to be low in funds, being a few days behind in collecting my paycheck, and the largest transaction went through first and therefor my account was charged again in excess overdraft fees. It 's only {$100.00} in fees to be fair but it is so clearly a breach of the " Credit Card Act of 2009 '' and so I felt an obligation to call attention to it. 

Where the breach legally occurred : Credit Card Act of 2009, section 7. As follows : " ( 7 ) RESTRICTION ON FEES CHARGED FOR AN OVER-THE-LIMIT TRANSACTION. -- With respect to a credit card account under an open end consumer credit plan, an over-the-limit fee may be imposed only once during a billing cycle if the credit limit on the account is exceeded ... '' This was done twice. 

And Section 1 as follows : " no such fee shall be charged, unless the consumer has expressly elected to permit the creditor, with respect to such account, to complete transactions involving the extension of credit under such account in excess of the amount of credit authorized. '' I did not, and I opted out of their overdraft already. 

Furthermore, section 2 as follows : ' ( 2 ) DISCLOSURE BY CREDITOR. -- No election by a consumer under paragraph ( 1 ) shall take effect unless the consumer, before making such election, received a notice from the creditor of any over-the-limit fee in the form and manner ... '' Pertaining to re-ordering transactions, regulations section XXXX as follows : ' ( B ) [ Law shall ] prevent unfair or deceptive acts or practices in connection with the manipulation of credit limits designed to increase over-the-limit fees or other penalty fees. " Researching, I found also that a high ranking official of WF as another keynote, stated : " If multiple transactions come in at the same time, then Wells Fargo will process the lowest dollar amount first, said company spokeswoman XXXX XXXX. " Simply put and pretty obviously, they are following the money, not the law. 

Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : XXXX Contacted Navy Federal CU to setup my mortgage payment this month. Due to recurring issues with car repairs I had to set the payment up in two installments, the first payment dated for today and the second payment dated for XX/XX/XXXX. 

I was told by a collections rep, by the name of XXXX/Employee ID # XXXX, that it was against their policy to set the payment up in installments. I have felt with this issue before with Navy Fed CU and advised the representative that he was incorrect and that he needed to set my payment up as I had requested. 

After dealing with his frustrating and harassing tactics for over 30 minutes he finally set the payments up as I had requested of him, in installments as outlined above. The employee did not act in accordance with their policies and procedures and I asked him on many occasions why he was refusing to take my payment. He refused to answer the question, primarily because calls are recorded. 

It seems to me that this tactic can be construed as Navy Federal CU causing consumers frustration and stress which could lead in consumers becoming delinquent with their mortgage payments. Navy Federal CU needs to put a stop to these harassing tactics - when consumers call in to make a payment they need to be accommodating and not harassing. I would like this concern to be made public and I want someone in Management or in the Legal Dept at Navy Fed CU to contact me. 

Lastly, I want to also mention that my mortgage with Navy Fed CU has never been more than 30 days late so I do n't deserve to be treated like someone who is n't paying their bills responsibly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, 2016. I got a letter from Wells Fargo Financial National Bank ( attach letter ) signed by XXXX XXXX. The letter let me know that because I did not accept the offer from Wells Fargo Financial National Bank I was responsible for the full deferred with 27.99 % + 27.99 = 55.98 %. Now I am paying 55.98 % this is incredible.

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 2016-10-07
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen in XXXX of this year. I then went about the proper procedures when alerting banks and the credit bureaus. I notified my bank Navy Federal Credit Union, who is holding me accountable for the identity theft even though after the investigation through XXXX. I am proven innocent and that I had no affiliation with the con man.

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 2016-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
wells fargo the furnisher even though fined and ordered to correct credit reporting has falsely verified at least 3 times to XXXX violating FCRA AND CFPB CONSENT ORDER. 
MY WF EFS ACCT XXXX ON THE CREDIT REPORT SAYS CURRENT STATUS IS 120 DAYS PLUS LATE WHILE THE LOAN WAS PAID IN FULL AND CLOSED XX/XX/2011

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 2015-08-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank attorney is giving me the run around in court in an attempt to foreclose on the property instead of working with me to complete a short sale. I have qualified buyers who want the property.

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