BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received hail damage to our property on XXXX/XXXX/16. The mortgage holder on our property is Bank of America and we had to send all insurance checks to them for endorsement. The process of getting a check signed and returned so we could pay for repairs has been nothing short of ridiculous. All of the repairs on our home have been completed for almost three months. We have sent Bank of America all of the information ( contractor XXXX 's, receipts, etc ) they requested only to have them misplaced, forgotten, etc. We have made phone calls weekly, told our money was being sent ( weekly ) and are told something different every week. We had to take money set aside for other purposes and use to pay for repairs to our home and have still not received all of our funds from Bank of America. We have had late fees at our local lumber yard, etc. because we did n't receive our funds in a timely manner. Bank of America is still holding approximately {$1600.00} we received from insurance for depreciation. They have had this check for 6-8 weeks. I have done everything they have requested ( several times in some instances ) and do n't know what else to do. 
I have tried to resolve this issue over the phone and do not believe anything I am told at This point.

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 2016-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This complaint is about Bank of america, location address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, on XXXX XXXX, 2015 I deposited a check into my checking account at the drive-up ATM in the amount of {$200.00} from XXXX XXXX. Bank of America took the money out my account within a week. XXXX XXXX states that the check was cashed by bank of America on XXXX XXXX, 2015 and has faxed a copy of the signed check to different workers numerous times on several different days. Its been three months and Bank of America will not give me my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi! I had a membership to a fitness club back in XXXX of 2017. I called to cancel the membership on before XX/XX/2017 so that they would not continue to charge my credit card. When they charged me again on XX/XX/XXXX, I spoke to the manager XXXX. I explained to him that I was calling to cancel membership ( again ) because I was visiting out of state family. 

I never heard anything more so I did not foresee a problem. 

Today I received an email from a credit agency trying to collect {$220.00} from me. I called them but they insist I owe this money. 

This fitness center went out of business so there is no one to contact at the fitness club. 

I do not owe this money. This membership was cancelled and they are trying to collect money NOT owed. This was a month to month gym. There was no yearly contract. 

This credit agency is ruining people 's credit. The easiest thing would be for me to pay but this is not right. How many other people are they doing this to. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: AES/PHEAA
State: MD
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 decided to switch income-based repayment plans after consolidating my loans, as the new REPAYE plan would mean a lower payment. My student loans are from XXXX - XXXX University - and XXXX - University XXXX XXXX XXXX. The application asks if the borrower 's loans are in forbearance, and I answered " no. '' This is because, when I applied, my loans were not in forbearance. 
As part of the application to switch income-based repayment plans, however, borrowers may request a one-month forbearance. The reason is that borrowers in an income-based repayment plan must be in standard repayment for at least one month before switching plans, and they may not be able to afford a standard repayment plan payment for that one month. 
I requested the one-month special forbearance. 
FedLoan Servicing, my loan servicer, denied my request for a new repayment plan because I answered " no. '' They approved my special forbearance first, and then because my loans were in forbearance when they processed the new income-based repayment application, they denied the request for answering wrong on that question. 
When I called, the customer service specialist said this was a common issue, and I had to submit a new application answering " yes '' on that question. 
I think this is misleading and unfair to borrowers. When they answer the question, they are answering correctly when they say " no, '' as the loans are not in forbearance at that time. To deny for that reason alone, automatically, and to force reapplication is unduly burdensome.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Credit Bureau Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received several request for payment from a company called CBCS out of XXXX OH. They are reqesting a large amount of money on an XXXX XXXX that is ober six years old that I now longer have any dealings with and I know that this amount is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient, formerly XXXX XXXX, has made it extremely hard for me to pay down my debt. I have been paying on my loan since 2009 and have not felt it go down. Although, I know that I did use my forbearance, they never offered any alternative plans for me. I tried so many things, consolidation with local banks, with other loan servicers and even tried to see if I could get lower payments with them and they not once were able to help me. The reason I do not qualify for their assistance plan is because I do not make enough for them to lower my payment, even though I can not afford their payment at all! I do have other federal student loans in the amount of $ XXXX and the amount with Navient is $ XXXX. I started with $ XXXX and my parents were able ( at the time ) to help me. Now that their status have changed, they are not able to help me and because I do not qualify for anything else, I can not remove them from my loan. So not only does it affect me, it also affects my parents. I make approximately $ XXXX a year combined with my husband and they will not and can not work with me. I feel that they need to be able to grant some kind of leeway or payment options for this. It is very unfortunate that at the time of the loan they say that they will work with you and once you have obtained it, they will not. I still can not afford it, and because of their harrassing calls, every other month I have to decide whether or not I am making my Navient payment or my utilities. It is quite saddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. lvnvfunding XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: WESTERN ALLIANCE BANCORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We've been trying to work with Western Alliance Bank/Bridge Bank for the past couple years regarding our accounts. We were forthcoming with them that we needed to restructure our loan because we were unable to make the exorbitant payments they were requiring us to make. Up until the pandemic, we were ABLE to still make the minimum payments due. After the pandemic, we were unable to make the minimum payments due. As a result, we just received a notice from their legal counsel DEMANDING payments of the full amounts due!

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 2016-09-24
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made purchases after my direct deposit was made available but keybank put these transactions through prior to making my deposit available causing me to incur 4 overdraft charges and will not refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Amsher Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Not only did I not recieve any notice to dispute, after I paid the FULL amount to Amsher collection agency they told me it would be taken off my credit report in a couple of weeks, or I can write a letter to there supervisor and request for it to be taken off. It 's my understanding after I paid the debt ( which was wrongly in collections because of change of address and no phone calls or anything about the debt until Amsher took it over ) that it should be off my credit report in atleast 2 months. It has now been 3 months and I have contacted them several times for them to take it off while it still says " Open '' on my report. They keep telling me I have to write a letter to the supervisor to have it taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. lvnvfunding XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: AXOS FINANCIAL, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for an Axos checking account on XX/XX/XXXX. Further information was requested and provided on XX/XX/XXXX. Axos requested a phone call to confirm my identity and this was scheduled with their representative XXXX XXXX on XX/XX/XXXX. I emailed XXXX and did not hear back. 

I sent a secure message to Axos through the application portal and a separate email to their email XXXX on XX/XX/XXXX. In both messages I inquired about the status of my account and informed them a representative had stood me up on a scheduled call. I received an automated email on XX/XX/XXXX informing me my message was being forwarded to the appropriate department for review. I did not hear back from anyone regarding my message. 

On XX/XX/XXXX, I received two secure messages in my application portal within seconds of each other. The first requested a contact number ( which I had provided in my application ) and the second message stated that my application was closed as I did not reply to requested information. 

The customer service of this bank is ridiculous. It impacted me opening a checking account and being able to timely pay bills. I don't know why this bank has such wonderful reviews in business articles.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This company Transunion has fail to remove inquiries from my credit report after recent deletion occurred. I have submitted documents sent to Transunion via certified mail return receipt over 30 days ago. I have call this company in reference to this matter several times. The FCRA permissible purpose section, states that creditors must report the reason for file review of consumer credit report such as ; auto loan, credit card, line of credit, charge card, mortgage and etc. Aside from the following inquiries being re-inserted back on my credit report after deletion. The inquiries does not state the reason for file review. Therefore they have no just cause for remaining on my credit file.

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 2016-12-29
Company: Selene Finance LP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seline Financial was requesting increasing escrow funds due to increased taxes, and insurance, they were asking for a full escrow funds to be double as it was last year in order to maintain the same amount of our monthly payment. XXXX sent them the escrow funds but they still increase the monthly payment from {$1600.00} to {$1700.00}. They put the escrow funds we sent in to a suspense account, do n't know the reason for and on top of that they asking for flood insurance which we already paid for in full until XX/XX/2017. 
I called them several times, always excuses that they will review the account and call me back, as of today they have not contacted me. My XX/XX/XXXX payment is due XX/XX/XXXX and still showing the new increase amount. 
Attached is the escrow paid funds, new requested payments, and an statement on this account. 
Thank you for helping me. 
HF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Informed company over the course of the last year that this debt does not belong to me. They keep sending me paperwork of statements that have my name on it but the account with the original creditor was closed due to identity theft. This account is not mine and they have failed to respond to my contact attempts to remove the debt from all of my credit reports. They also failed to provide adequate documentation that the account was opened by me, with my genuine signatures or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX   XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union properly reported a student loan with XXXX as being paid in full, closed, in good standing, with XXXX balance, only to return the account to a balance status several days later. The loan with XXXX is indeed paid in full, closed, with XXXX balance, and should be reported as such.

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 2015-06-23
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was sold to a company called Selene Finance which has been a NIGHTMARE from the start. We have been " in the process '' of a loan re-modification for the past 15 months. Our home is now being foreclosed and Selene says they have never received XXXX document from us. WE HAVE ALL THE RECEIPTS, of over XXXX re-modification process being denied, never stating a reason. I have shown that i have no only savings in the bank but also a steady income. I started to research online and they have an F on XXXX, their reviews are all the same, the want nothing more than to foreclose on your home and make a profit for their investors. XXXX XXXX who runs his own investment firm is also the CEO of Selene Finance. This is mortgage fraud and my family and i are about to lose our home due to the fraudulent actions of this company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called XXXX XXXX XXXX via Phone ( XXXX ) XXXX, and conversed with XXXX XXXX who has assisted me with addressing me with contacting Trans union who failed to have 4 previous and present loans with XXXX XXXX XXXX not presently on my credit report and there is a 70 point descprencey, and my credit report is not a 100 percent and want to ensure it's accurate. I have enclosed documents from my credit report from XXXX XXXX as well for forward documents with Ms. 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 2016-12-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
A Chase/XXXX credit card was opened without our consent. All materials including one card were mailed to our home. We called Chase to alert them and instead of being concerned about this mysterious opening they asked several times if we were sure we did not want this account. They said XXXX opened it. Chase did say they closed this new card account and said they 'd send us material on identity theft in the mail. Very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Depending on timeframe I had multiple issues. First I applied for mortgage refi during Obama, and they took my payments and put them into escrow while letting me go into default without me jnowing. I kept getting notices that I was not making payments but I really was. After months of notices, I figured out what they where doing, and pulled all savings to and pulled that escrow back into getting my loan up to currently. Destroyed my credit. Then I twice tried to refinance and was jacked around for months each. Each paying a fees to see if I qualify which I lost. Then just months later, they call me out of nowhere and want me to refinance. I didn't know what was going on.

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 2017-10-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This morning I saw that the Pennsylvania AG filed a lawsuit against Navient and felt vindicated ; what the Pennsylvania AG is claiming Navient has been doing is EXACTLY what has been happening to me for years with that entity. I have loans that I incurred for my children. The monthly payments were close to {$500.00} a month which I could not afford. I REPEATEDLY asked if I could make lower payments and was told I could NOT. What they could offer, however, was a forbearance which I thought was self-serving because it only caused my loan balance to soar over time. I felt this practice ( not allowing folks a payment they can afford ) was wrong, but as a single individual, was n't sure how to take on a company as formidable as Navient. I am GRATEFUL the Pennsylvania AG is taking them on for us and would like California to consider doing the same. If so, I am IN and would freely offer my testimony as to my experience with Navient. I 'm sure there are thousands just like me who have been disallowed a lower payment and have felt as helpless and taken advantage of as I have.

Company response to consumer: Closed with explanation