BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-25
Company: Nationwide Biweekly Administration, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Sometimes in XXXX XXXX, I have enrolled a XXXX party named National Biweekly Administration ( NBA ) for biweekly payment. The person who contacted me for this promotion was as follows : XXXX XXXXEnrollment SpecialistNationwide Biweekly Administration, Inc. 
855 Lower Bellbrook RdXenia, OH XXXX XXXX XXXX faxOn XXXX XXXX, XXXX National Bi Weekly Administration ( NBA ) sent me an email saying that '' Unfortunately, we write today to inform you that due to the loss of NBA 's banking relationships, your account will be TEMPORARILY deactivated effectively immediately .... This is not your fault, and we are working hard to resolve this situation as soon as possible. The most important things that you need to know are that:1. If we debited your account sufficiently in XXXX, NBA will make your next payment due XXXX XXXX, XXXX ; 2. We will NOT be debiting your account in XXXX. 
3. YOU will need to make your next FULL LOAN PAYMENT due XXXX XXXX, XXXX directly to your lender yourself ; and4. If there are any funds remaining in trust after NBA makes your XXXX XXXX, XXXX payment, they will be promptly returned to you. " However, the NBA did not offer reimbursement of all the fees that they have charged me so far for this service. My problem is I was left with the obligation to set up a bank payment and make the payment directly. I called NBA customer service but they do not respond and no live customer service representative is there to take my call. I am requesting a prorated refund of the setup fee paid them including the service charge applied to the last refunded withdraw. Also written confirmation that the account is cancelled and not just suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with Bank of the West and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, XXXX from Bank of the West. I received a letter from XXXX and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems XXXX years later. 

XXXX XXXXBANK OF THE WESTXXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXX Agency XXXX XXXXOriginal Creditor BANK OF THE WESTStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have spoken to Bank Of America over the phone asking why they had closed my account years ago putting suspected fraud activity on my ( XXXX ) XXXX XXXX XXXX credit report and XXXX   XXXX report, And they had told me they do not need to give me that information they told me they do not need to tell me anything of why account was closed Then i sent them a letter to see if i get a response about the account they forwarded to the credit department and i got a letter stating that they did a investigation and everything is correct but i had sent a letter to ask for reason of closure.

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 2017-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian continues to report an inaccurate bankruptcy on my file. They told me that the information was verified XXXX XXXX XXXX on XXXX XXXX which I find hard to believe because I have a letter dated XXXX XXXX from the XXXX XXXX vendor XXXX XXXX that my file is not accessible. This was done because the state of California filed a lien in error and later had it removed from my reports, but it remained in XXXX XXXX so I was getting mailers from attorney offices and scam calls from companies saying I needed to pay the debt to them. This bankruptcy is inaccurate and not verified.

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 2016-10-26
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a first mortgage with Regions ( payoff {$10000.00} ) and a second with XXXX ( payoff {$9000.00} ). We received property damage XXXX/XXXX/16 from flooding in XXXX XXXX, La. Our insurance check is in the amount of {$230000.00}. I am trying to get XXXX to endorse the check so I can send it to Regions. I want to pay off both mortgages. Check was sent to XXXX via XXXX on Thursday and was signed for at XXXX in XXXX at XXXX on Friday. They advised they have 2 business days to process and return check. It is now Wednesday and they have not sent my check back to me. Even after NUMEROUS conversations with them that we are PAYING OFF REGIONS AND XXXX they still requested " monitoring procedures '' from Regions which has held the processing of the endorsement up. We are nearly 10 weeks post flood and I NEED to get my check so I can start paying people who are working on my house. We still have a 10 day hold to deal with at Regions AFTER they actually receive the check! I keep getting the run around from XXXX and am sick of it. Please advise what I can do. Help. 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 monetary relief
Consumer complaint received 2015-05-15
Company: AFNI INC.
State: NE
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:
I signed up for a 30 day trial period with XXXX XXXX. I cancelled the service within the allotted 30 days and was told it was cancelled but kept receiving emails and bills in the mail that I had to pay them. I returned the equipment via XXXX label provided by them to the address of XXXX XXXX XXXX XXXX ; XXXX CO XXXX. But the package was lost. I submitted a lost package claim to XXXX who sent a check to XXXX in the amount of {$100.00} backy in XXXX 2014. I 'm now getting collection notices from AFNI ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX IL XXXX. I called the company on XXXX XXXX to tell them that I do not owe a balance but they are telling me that XXXX XXXX paid XXXX because I bundled. I called XXXX and they are not showing any duplicate payments in 2014 made from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: NATIONWIDE ACCEPTANCE LLC
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Nationwide LLC continually making harassing phone calls to me, my wife, and everyone on our reference list. I am unable to make timely payments due to my wife 's frequent medical expenses, rent and other bills. I pay whenever I am able. This company relentlessly calls me asking to pay. Making threats to repo the car. which I need in order to go to work and provide food for my family. The caller " XXXX '' from Nationwide LLC was very immature and very threatening to me and my wife and to all the refences my wife and I had listed on our application

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Spoke with XXXX customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to XXXX is XXXX and XXXX is reporting on my cbr that I still owe them. XXXX was paid XXXX XXXX, XXXX ... Please see attached acknowledment for XXXX that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

XXXX wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to XXXX when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to XXXX in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because XXXX has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
RE : REGIONS BANK I AM WRITING REGARDING THE ERRORS AND ENORMOUS OVERDRAFT CHARGES NOTED ON MY ACCOUNT AND THE CONFUSING MANNAER IN WHICH THE PERIODIC STATEMENTS WERE DESIGNED DURING THAT TIME [ 2012 ] .THIS ONE PARTICULAR ISSUE OCCURED IN XXXX 2012, AN ATTEMPT TO RESOLVE THIS ISSUE WAS DISCUSSED AT XXXX BANKS.I WANTED TO KNOW WHERE THE MONEY WENT AND IF THE EXCESS FUNDS WERE CREDITED TO MY ACCOUNT.MAY XXXX A CHECK WAS WRITTEN FOR $ XXXX.ACCORDING THE BANK STAFF THE CHECK DID NOT CLEAR.ACCORDING TO XXXX XXXX XXXX XXXX WAS PAID {$530.00} ON XX/XX/2012.THIS WAS DONE TO PAY THEIR CHARGES AND {$30.00} FEE.ACCORDING TO THE BANK STAFF THE MONEY WAS NOT PD UNTIL XX/XX/XXXX..THERE WER SEVERALDIFFERENT STATEMENTS THAT REFLECTED THIS TRANSACTION DURING THE PERION XX/XX/XXXX THRUI XX/XX/XXXX.ON XXXX/XXXX/2012 I WAS INSTRUCTED TO DEPOSIT {$600.00} PLUS {$20.00}, BY BANK SAYING THIS WOULD CLEAR UP THE XXXX XXXX XXXX HAD BEEN PAID. 
OTHER ISSUES REGARDING NON-SUFFICIENT FUNDS WHEN THE FUND WERE AVAILABLE..THERE WERE OTHER CHARGES AT VARIOUS TIME EVENTHOUGH THE FUNDS WERE AVAILABLE.AT ONE POINT THE NEGATIVE FEES AMOUNTED TO $ XXXX.THIS WAS A CONTINOUS EFFORT OF EXTRA CHARGES. 
MOST OF MY DEPOSITS OCCURS DURING XX/XX/XXXX THRU XX/XX/XXXX. I ATTEMPTED TO BALANCE MY BOOKS PRIOR TO ANY PAYMENTS.I DID SEND A DETAILED LETTER TO REGIONS BANK XXXX XXXX XXXX XXXX, AL XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received student loans for the purposes of attending college between approximately XX/XX/XXXX and XX/XX/XXXX intermittently. During this time, and the time since, the option of an income based repayment plan was never made apparent to me : my options were high monthly payments, forbearance, or deferment. As a result, I put my loans on financial hardship forbearances until they were exhausted. Now I can go through the cumbersome income bases plan, but the system seems designed to confuse the borrower. I 'm dealing with multiple loans and different call centers and collection agencies. Navient should be labeled as a criminal organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: National Enterprise Systems, Inc.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
National Enterprise Solutions is calling my employer every day. One day they refuse to leave a message for me. The next day they say that I better call them back or legal action will be taken against me. I work a graveyard shift, so I am never at work when they call there. They have not contacted me at my personal number or by mail. They are just harassing my employer.

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 2017-02-16
Company: Navient Solutions, LLC.
State: KY
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:
We made an agreement for a new more affordable repayment in the amount of {$360.00} to which I have been paying, actually overpaying by sending them an even {$360.00}. Navient has thrown me in deliquent status claiming payment is $ XXXX and continues to tell me that our agreement was a 15 month program even though i have paperwork stating that i need to make 321 payments at this rate ... 321 monthly payments that somehow expire in 15 months. They have not been very cooperative and it is the definition of crony capitalism, they have all the protections of the government but none of the regulations that federal loans have. I just want to pay the amount of {$360.00} that we agreed on and for them to quit calling me and fix my credit they demolished by going back on our agreement but they dont see it that way. I simply can not afford the $ XXXX a month that they raised my monthly payment to and i shouldnt have to since im holding up my end of the deal. I have continued to pay them the {$360.00} amount we agreed on, plus an extra {$4.00} on top of that and im in or close to delinquency status because I refuse to give in and let them go back on our contract and bully me into paying more than I can afford when I have made every payment on time for the previously the agreed {$360.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have spoken to Navient in the past, they made it difficult to impossible to consolidate, create an income based payment system, and other challenges, these issues caused my loans to go into default. I have XXXX in loans and they were into default. I called navient a bunch and never got service, i was so dismayed i stopped following up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
hi, my mortgage was with countrywide until XXXX than bank of america claim they have the mortgage at the same time my husband and i helping my father with medical and haspital bills he was XXXX .we ask and wrote bank of america hard ship/forbearance loan but bank of america did not get us but modifacition loan trial XXXX modification trial application satart XXXX but delay after delay paper after paper we didint get loan trial start until XXXX we start to pay XXXX, XXXX, XXXX, XXXX, XXXX but check we pay in may they send send us back i dont know wahat happend before we do bank of america foreclosure on .after all we new aplication new paper work restarted.on XXXX XXXX we write letter to deman XXXX is our lender after we cosult a lowyer andread some information bank america mortgage froud /modification froud bank america send me a letter XXXX XXXX saying bank of america was a servicer and my lender /investor is countrywide ... my XXXX years home for my still on foreclosure, i cant affort to pay XXXX {$20.00} for a lowyer.we bought XXXX years ago for {$82.00}. we cant get credit to fix ac/bathrooms/kitchen/roof/floor need list XXXX {$75.00} now bank of america get me to sign loan modification for over {$120.00} we are suffer, XXXX and frustrated XXXX years, my husband had a XXXX XXXX XXXX from stres we need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have paid off a car loan and an employee at the loan company is attempting to prevent the car dealership from releasing the title to myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card
Issue: Credit determination

Complaint:
As I await an answer from Bank of America, regarding Complaint XXXX, I have received yet another pre-selected credit card offer, with the same exact criteria, as sent in two previous offers, though, when I applied, they denied my application. 

Again, I am wondering what exactly has changed, since the BOA system seems to continue to generate and send these offers with guarantees, BOA has no intention of fulfilling.

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 2016-09-29
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Pioneer Collection Recovery contacted me about a neighbor of mine, XXXX XXXX? Left a voicemail and asked me tor return a call and gave me a reference number. Clearly by the name of their business I knew they were trying to get me to somehow give contact information for XXXX or something of that nature. Called them back at XXXX with reference number XXXX. Told them to not contact me again, and shared a few choice words about what I think they 're doing. I am not sure if this meets the guidelines for unethical practices, but calling neighbors is just low.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company, Green Tree Servicing, added " Hazard '' ( insurance ) to my escrow payments. I already have homeowner 's insurance through a reputable company XXXX XXXX XXXX XXXX and was contacted by them when Green Tree decided to start " making my insurance payments ''. I DID NOT authorize any changes to my account and will continue paying my premiums directly to XXXX XXXX. I do not want Green Tree 's " insurance ''. I also told my XXXX XXXX agent that I did not authorize any changes to my insurance policy or method of payment.

Company response to consumer: Closed with explanation