BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1. On XXXX/XXXX/2016 - I received a security alert from Bank of America ( XXXX ) that my banking password had been reset. I did not ask for a password reset. I immediately tried to log into my account and was unable to do. I finally got in touch with BA fraud unit. I was told they could not help me that I would need to go into a bank and identify myself. The bank was closed on XXXX/XXXX/2016 for XXXX XXXX. 
2. I went into the bank on XXXX/XXXX/2016. Showed my ID and my debit card ( which they kept ). I was told I needed to close that account and open another one. They were able to show me all of the fraudulent transactions that the predator had made. See attachment " A ''. Another account was opened for me, a temporary debit card was issued and I was given the routing number and checking account number to give to my creditors to set up automatic draft for my bills as I have used with this bank for the last 25 years. I did so. 
3. On Thursday XXXX/XXXX/2016 - nine days later, I received a call at my home from BA Fraud Unit, after a series of questions I said to the person, these questions sound as if I am being indicted for what happened to my account. I was told, " there is no way a person could have gotten into your account unless you gave them your pin number. '' I said to the person over and over " I have never given anyone my pin number. '' The person again repeated the indictment. She told me I would have to go in and open another account. I told her I had done so already and the bank had sent me a new debit card. She put me on hold for a while, when she came back she repeated her indictment and also told me, " You will never be able to open an account with Bank America again. '' I told her I did I did not want to, I just wanted my money they allowed someone to take from my account. I was told it was not likely that I would receive that money. After hanging up I went to take the funds from the new account to discover that Bank America had closed the new account as well. 
4. On XXXX/XXXX/2016 - I received a letter stating Bank of America may report my account to the following reporting agencies : XXXX. XXXX XXXX XXXX XXXX XXXX or both. They further stated : " This may affect your ability to open an account at another financial institution for up to seven years. Why does Bank America want to punish me a customer for them opening up another account in my name. Is this not a felony? 
5. Although I have contacted all of my creditors, I had automatic drafts to bounce and had to find money to pay all creditors. The check that goes to Bank of America is an annuity check from my late husband. Because of this happening after the posting date, I will not receive a check until XXXX or XXXX. My bills still have to be paid.

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 2016-12-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX, I am disputing the issue of my {$35000.00} as per the below federal disclosure laws. 

On XXXX XXXX, 2010, the President signed the Dodd-Frank Wall Street Reform and Consumer Protection Act ( the " Dodd-Frank Act '' ), enacting numerous provisions intended to reform the mortgage lending industry with an eye towards consumer protection. Many of these provisions are contained within Title XIV of the Dodd-Frank Act, the Mortgage Reform and Anti-Predatory Lending Act ( the " Mortgage Act '' or the " Act '' ) Subtitle E ( Mortgage Services ) of the Act reforms mortgage servicing practices addressed in TILA and the Real Estate Settlement Procedures Act ( 12 U.S.C. 2601 et seq., " RESPA '' ). The Act requires creditors in connection with a consumer credit transaction secured by a first lien on the consumer 's principal dwelling to establish an escrow or impound account in a federally insured depository institution for mandatory payments of taxes and insurances premiums. By regulation, the Board may exempt certain creditors from the requirement to establish an escrow or impound account. Such escrow accounts shall remain in existence for a minimum period of five ( 5 ) years. If the consumer waives the maintenance of such account in writing, the mortgage lender is required to provide a written disclosure advising on the consumer 's responsibilities and implications in the absence of any such account. The Act amends RESPA by adding new servicer prohibitions and increasing the penalty amounts for violation. A new TILA provision requires the servicer of a consumer credit transaction secured by the consumer 's principal dwelling to promptly credit payments to the consumer 's loan account, and to send accurate payoff balance information upon written request by the consumer. 

XXXX XXXX used the same pitch when he told me why I was to bring {$35000.00} to a clsoing in order to receive a loan that is used for converting home equity into liquidity, thus Home Equity Conversion Mortgage. I did n't apply for a mortgage refinance or a commercial loan, I applied for a Traditional Reverse Mortgage. Where 's my {$35000.00} that was escrowed?

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 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America Missouri reported " suspected Fraud '' to my XXXX profile due to XXXX payroll checks having been returned NSF. I disputed the report with XXXX and they are now reporting the information has been verified using information obtained from Bank of America which is not justified and defamatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NY
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:
First, my loan was consolidated and Navient remained my lender. I paid my bill, but Navient did not make it clear they had changed the mailing address. It took them at least a month, if not more, to locate where my payment was sent. 
While waiting for this to be reaplved, I was being called multiple times daily for not making my payments despite the fact Navient said they would stop calling. I was charged late fees while Navient " searched '' for my payment. 
Then, when a payment was " late '' because they could not find it, I was continually pushed to go into forebearance. Once, I requested on a XXXX that I make my payment that XXXX which was my payday. The operator continually suggested I go into forebearance instead of saying ok or offering another alternative or even suggesting it would be in my best interest to pay that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In the XX/XX/2015, CFPB opened an investigation into why student borrowers are falling off their income based re-payment plans. They found that more than half of borrowers were failing to re-certify by the yearly deadline and submitted inquires with the major loan servicers ( XXXX XXXX, XXXX, XXXX, PHEAA/FedLoan ) as to the potential cause. I would like to share my recent experience with FedLoan Servicing. This past XXXX, my checking account was suddenly over-drafted with a {$3500.00} charge from FedLoan ( XXXX times my monthly payment ). After calling FedLoan to determine the cause, I was told that I had failed to re-certify my loan. I questioned when I had been notified. They responded that they had sent me electronic communication a couple months prior. In short, this resulted in my interest being capitalized ( now costing me additionally ~ {$2500.00} a year ) and I was placed on standard repayment. I quickly re-certified, but was told I could not be re-started on income-based payments for another month due to " processing time '' so I was required to make another {$3500.00} payment the following month. I contacted FedLoan again saying I could not afford this payment. They offered forbearance but said my interest would be capitalized again. I submitted a complaint with the federal US Department of Ed Ombudsman and the FedLoan servicer Ombudsman of insufficient notification and requested the capitalization be reversed. They claimed the electronic notification was enough. Despite there being no phone calls or paper notification to my home address. I have since canceled online notifications, I now get an e-mail every couple weeks to " sign up for our electronic notifications '' by FedLoans " to be green. '' Obviously that previously did not work out in my favor. I submit my story to help CFPB and others understand the barriers to re-certification : ( 1 ) Electronic notification is pushed hard by the loan servicers ( 2 ) They send e-mails but then require you to log in to a secure database to read their messages ( 3 ) They send messages monthly about payments coming due making a change in loan status harder to identify in the sea of e-mails ( 4 ) They do not phone or send a supplemental paper letter if a substantial change is about to occur to your account. Unfortunately, missing one e-mail will now cost me {$2500.00} a year in interest on my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: IL
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:
Between XXXX and XXXX, I took out a few Wells Fargo private student loans. Since I did not have enough credit to be the sole borrower, my parents were co-signers. The loans that we signed stated that my parents would be released as co-signers after 24 consecutive on-time payments. 
In XXXX, I took forbearance with my Wells Fargo loans due to an XXXX internship. Once the internship ended, I was told that my parents would not be released until 48 consecutive on-time payments were made beginning in XXXX. They alleged that there were missed payments, but there never were. I requested detailed information from them, but they never produced documentation. 
The development about the new co-signer release was never agreed upon, either verbally or in written form. I have made on-time payments without my parents help for the duration of my payments and ask that they be removed as co-signers as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
People from a phone number XXXX XXXX XXXX XXXX are calling me and my cosigner at our place of employment regarding my student loan that is not deliquent the calls are daily XXXX to XXXX times a day and I believe it is bordering on harrassment. When you try to get information they are very nasty. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am having a huge problem with Barclays Credit Card Department. 

My name is XXXX XXXX and I am suffering from the negligence by the customer service agents of Barclays Bank. This has gone on far too long. 

Below breaks down XXXX accounts I have with Barclays : Account # XXXX XX/XX/XXXX of 2019 Bal {$1300.00} Barclay XXXX Account # XXXX Barclays XXXX XXXX Bal. {$2500.00} - Closed by XXXX Every time I call to make a payment, they would say they no longer handle the account. 
Unfortunately they were referring only to the XXXX account. Very misleading. 

I have spoken with XXXX who is a supervisor. XXXX XXXX ID XXXX XXXX They admitted fault for not collecting properly and this has caused continuous damage to my credit report. 

I am asking for a good will adjustment to my credit. I am requesting a deletion of both accounts. Please help me. I am a hard worker and trying to by a home for my family and this bank is not practicing the fair debt collection process.

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 2016-06-06
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This company has engaged repeatedly in making unauthorized credit inquiries and continues to hide behind alleged authorizations that do not exist. The most recent occurrence was in XXXX 2016. I made no applications for a loan with this company in XXXX 2016, nor did I authorize it or its agents to review my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Ballybunion Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Freedom furniture and electronics showed up on my credit report in XXXX for a laptop allegedly purchased by myself and then again for a judgment for {$2100.00} for said laptop. I wasn't even in the country when this transaction took place and sent the company a copy of my orders for XXXX. I called the company and made my case. I was called a liar so I hired XXXX XXXX XXXX to dispute the file. Freedom could not provide or prove my identity so it was removed from my credit report. Problem solved right? No! 

Today XX/XX/XXXX. I received a credit alert that my score dropped 39 points. A law firm claiming that I owe military credit services over $ 9k. Called.. amazingly someone answered. This account was sold from Freedom to another company security credit services ( who never contacted me ) and sold again to Military credit services and now sold to another company XXXX XXXX XXXXXXXX XXXX. 

16 years later from {$2100.00} to over {$9000.00} and can not prove ownership. Yes they have my information, but I wasn't even in the country at the time of purchase. How is this legal?????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I have a paypal smart connect account. I can view all my transactions online and today i was looking at my account and i was missing XXXX dollars so i called the paypal smary connect customer service to see where was my money. So when i reached a coustomer service rep i asked why i was missing XXXX dollars and he told me i made a purchase on XXXX XXXX for XXXX dollars and i told him from where and he said i dont have information to give u and i told him what do u mean u dont and why i cant see it .. And he said i would have to wait 2 to 3 daya to see it in my account and for them to have more information and i told him i never purchased anything for XXXX dollars and i always get an email ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
Balance transfer : Well Fargo and XXXXI did a balance transfer ( XXXX ) from Wells Fargo to XXXX in XXXX 2015. 
XXXX claimed that they have paid the money to Wells Fargo, Story with Wells Fargo Wells Forgo says it has not received any money. I have been following up for 3 months.Calls lasting from XXXX to XXXX hrs with both banks with no resolution. 
Wells Fargo said 45 days back that they will open research case and get back to mein 30 days, I called them now and they said their Rep notes does nothave any trace of such conversation. I had asked them for a letter/emailsaying that they have not received anything, was told that no suchprocess exists.Today the representative said he has issued me a letterWhich I will get in 2 weeks. ( as I spoke about filing Consumer complaint ) XXXXThey have sent a letter with details of payment made, they also tried tocontact well Fargo and Wells Fargo did not have 'my permission ' to speak with them. Wells Fargo did not mention anything like that during my talk neither did it reach out to me to ask for any permission. 
This is seriously sub standard service ( actually no service from both banks ) and loss of my business days costing me at least XXXX times morethan the actual amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In the wake of the most recent lawsuits against the lender XXXX and their unethical dealings with their customers/borrowers, I have realized that I have had a similar experience with my own lender ( Fedloan Servicing ). I was assigned Fedloan Servicing/myfedloan.org as my lender who immediately gave me a higher rate than what I had expected but I made do with these payments. However, Their rate/payments have continued to rise based on the default plan I was given. As a former student working XXXX jobs and making under {$30000.00} a year, their payment prices are much too high and so this last year I requested an IBR ( income-based repayment plan ), not once but twice, instead of again use the forbearance that they continually grant. I have submitted numerous web and paper based documents to no response. Upon calling and emailing on their paperless system, I was only given the answers that either " my packet was lost '' ( though reached the destination based on mail tracking ) or that I " must have buried them in paperwork ''. I was later told that I was denied on the first one I applied for based on them lacking paperwork ( that I had submitted but was lost? ). What I am simply asking for are just answers and information as to my IBR status and my eligibility. I thought it beneficial to ask an outside agency if this is something that should take several months or if I should be worried as to how hard this process has been. 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a veteran of the United States XXXX XXXX and due to the worsening of my service connected XXXX I have been unable to work since XXXX 2015. Subsequently I lost a substantial portion of my income and have been unable to afford my mortgage. Wells Fargo have repeatedly refused to work with me they denied me for XXXX different programs for reasons varying I make too much money for one program and not enough for the others in an attempt to displace me from my home and put me on the homeless veteran rolls. I went through Wells Fargo Home Preservation Department as well as reaching out to XXXX to lobby on my behalf and they have rejected all attempts to remedy my situation in favor of repossession. I am currently 2 months behind on my mortgage and am desperately seeking to refinance to a lower interest that would make my payment affordable but Wells Fargo began reporting to the credit bureaus once I was late and my credit score was lowered from a XXXX to a XXXX making it next to impossible to get a lending agency to refinance my loan. In effect they sabotaged my effort to get an affordable payment based on my now permanent XXXX status and VA income in addition to refusing to help me in any way instead advising me on the phone to sign my house over to them or complete a short sell on my home were the only options they gave me. I served my country honorably and deserved better than this please contravene on my behalf that I may have justice and a favorable outcome. I 've worked hard to get my home after a divorce left me bankrupt a few years back, I worked and saved to get my home and I fully intend on keeping it. Thank you for your help.

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