BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XX/XX/XXXX  Bank of America, N.A., sent me a letter stating, after being offered a Trial Period Plan or modification, you notified us that you did n't wish to accept or complete the offer. Absolutely, because Bank of America, N.A., and   XXXX   XXXX   attempted to persuade me into signing 40 more years on to a condominium that is severely underwater, costing me over {$120000.00} onto an existing mortgage. Not limited to overcharging me more than what the State of Illinois require for the escrow of taxes. I have requested in writing for Bank of American, N.A. to stop inquiring concerning my credit worthiness. Bank of America, N.A., in not in compliance with the fair credit reporting act and has thus far violated my fair credit rights according to the FCRA. Bank of America, N.A., was discharged in bankruptcy in  XXXX . Bank of America, has pulled over   XXXX   XXXX   inquiries concerning my credit history. After I repeatedly stating verbally and in writing I was not interested in the   XXXX   XXXX   Standard Modification Program Trial Period Plan. Yet I continue to be harassed by Bank of America, N.A., employees. This is against the FCRA and needs to thoroughly investigated.   XXXX   XXXX    Home Loan Team of Bank of America, N.A. is the latest employee who inquired about my credit. I made it perfectly clear, to Bank of America, N.A, to stop looking into my credit. I never applied for a loan or a refinance with Bank of America. I made a decision that I was not going to work with Bank of America, sent this in writing in  XXXX  and in  XX/XX/XXXX . I continue to be harassed by Bank of America, N.A., Bank of America, N.A., continues to violate the FCRA and credit worthiness by continuing to inquiry about my credit worthiness. After making my decision to work with Bank of America, N.A. and to remove their inquiries. My request have been ignored and Bank of America, N.A., continues to harass me by consistently pulling inquiries. Please investigate this matter thoroughly

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 2021-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted a loss mitigation package to Select Portfolio Servicing, Inc., numerous times and I believe they don't even take the time to review my full package. I have many attempts to advised them that my income has changed as I am renting part of the house so I can have enough income to make monthly mortgage payments. I always get the same response that the loan does not qualify for any type of retention options ; I do not get anything in writing explaining the specific reasons for the denials. I do not want to lose my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Comerica
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My complaint is with Direct Express, the card the government uses to issue my Social Security XXXX checks. This is regarding the complete withdrawal of funds from my account with Direct Express from an ATM. Using a cloned credit card unknown persons at XXXX on the on the morning of XXXX XXXX, 2016 made several withdrawals from the account, each transaction was around {$300.00} for a total of {$1600.00}. They did suspend the account and issue a new card however ; after that first call we have been unable to speak with anyone. Direct Express has made no attempt to contact me to help resolve this theft from my account or assist in filing a police report. I 've long been a user of Direct Express and up until now have always regarded them as an excellent company. I have every faith therefore that they will do whatever they can to rectify this situation. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: Flagstar Bank, N.A.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar Bank has a forbearance process due to COVID-19 for those needing to bring loan current, and modify terms. The main issue it appears, none of their systems take to each other. Meaning, if you call to speak with someone, and they input the request does not mean anything. You still must go online and submit the application, which is not clear on requirements, and criteria. I was promised a six-month reprieve until XX/XX/2022. However, I received a " Notice of Default and Intent to Accelerate '' letter stating the {$23000.00} must be paid by XX/XX/2022. 

The notice sent has a phone number XXXX to contact. However, when contacting the office, and no one is available. I have left a couple of messages within the past 2 weeks. The message system even leaves your contact number in the queue for a return call. I'm concerned, the left hand and the right hand are not talking to each other purposefully.

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 2016-10-06
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my THIRD attempt in getting my money back from Wells Fargo. The first time I filed a complaint, Wells Fargo responded by stating that they would return my mortgage payments that they accepted although my home was in a " foreclosure '' status. 
I had fallen behind on my mortgage payments and was in the process of doing a loan modification when my home went into foreclosure. By this time, I had set up an allotment out of my military pay for the monthly mortgage amount. I paid nearly {$10000.00} in mortgage payments after being told that the payments were not being applied, but instead were being put in a separate account and they would either a. be returned to me if we were not approved for a loan modification or b. would go toward the mortgage once approved. After all was said and done, Wells Fargo took my home and my money. I was denied for mortgage assistance, the appeal was denied, and I ended up having to short sale. I was advised that I would receive location money, but I did n't get that either. It turns out that Wells Fargo was applying the payments, although my home was in foreclosure status and they have specifically stated that they COULD NOT do that. I have a written document where they told me that they were going to return the money, and still nothing. I would like for my mortgage payments to be returned immediately. 
The original response that Wells Fargo gave in regard to returning my money was that they never said that. However, it is annotated by Wells Fargo as a response to my previous CFPB complaint. Wells Fargo states ( see attachment ) : " We have provided information regarding the previous payment assistance review, confirmed that the military payments made after the loan was referred to foreclosure will be returned to the remitter and initiated a new review for payment assistance. '' The denied my appeal XXXX payment assistance review ) and only returned XXXX payment. This is the bulk of my current complaint, but I feel that I must mention how long this process was drug out and that I was traded to a different " home loan specialist '' at least XXXX or four times and had to start the process over each time.

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 2017-07-16
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are in the process of closing a chapter  XXXX  bankruptcy ( filed in  XX/XX/XXXX  ). During the period of the 5 years, we have ha d  3 m ort gage companies - we were with   XXXX   XXXX   XXXX  , and were in the process of a modification loan, and as soon as the bankruptcy was filed,  XXXX  took our loan back, and ignored the modification loan we were almost finished with. During the time of paying  XXXX , their bookkeeping was horrible, and kept saying were behind in our payments - even went to the bankruptcy court with it, and the court said that we were current. Then they switched us to Fay Servicing, with the note that we were 4 months behind in our payments, and they also had the wrong payment. Fay Servicing is our current Loan Servicing company, and even though we have showed them the last 6 years of payments ( which we have not missed one ), they keep insisting we are behind in our payments, and threaten with foreclosure.
Fay Servicing also went to the bankruptcy court saying we were behind, and the court said unless they showed proof we were still paying every month. No matter who we contact at Fay Servicing whether it is a representative, or their attorneys they still have no proof that we are behind. The information they received from   XXXX   was incorrect. As I stated we have showed them proof of 6 years of payments copy of the check, and the amount coming out of bank account. My bankruptcy attorney tried to help me, but his expertise is in bankruptcy, not mortgage problems. We need help with these people who keep harrassing us, before they decide to foreclose when we have n't missed any payments. We have been with Fay Servicing since  XX/XX/XXXX , and just get nowhere with them to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I went for a loan from XXXX mortgage company, was underwriting for XXXX XXXX. I was unaware of all scams and tricks that were being done at the time, they seemed like trustworthy people. I later found out that my closing documents were forged and initals put in places for an adjustable rate that I never agreed to. My initial mortgage payment was XXXX dollars inc. taxes that went up to XXXX a month. They transferred my mortgage to several banks and finally ended up with Wells Fargo as a servicing company and XXXX XXXX XXXX XXXX XXXX as the creditor. I had this mortgage for ten years. The balance started out as XXXX now it 's more than XXXX and still going up. They notified me that they were going to foreclose on the property because they are unwilling to do a modification and balance reduction that is affordable. They promised me during XXXX that after the moratorium was over they would modify the loan. All empty promises. They have all phony foreged documents, robo signatures they are using to take my home from me, when they ca n't even prove they legally own the note let alone foreclose. pls help and investigate this pack of lies, and foreged documents intered into there mers system. They never even filed with the XXXX county clerks office they are the owners of the note. they ca n't produce the originals and hide behind lawyers who lie for them and employees that just signed lies for a living. sincerely XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated and frequent phone calls. Sometimes minutes apart, sometimes an hour, sometimes hours. However, the calls are so numerous that I have stopped looking at the phone when it rings. I have enlisted with a debt consolidation firm to consolidate all of these cards. Most of whom are from Synchrony Bank. The calls that I am complaining about, are from Synchrony. Just in the few moments to write these few lines, Synchrony has called three ( 3 ) times which equals about 10 minutes time.
<P/>
The firm that I have enlisted is called  XXXX . They have instructed me not to speak to these creditors so I do not get shamed into making a payment to the creditor. Which according to   XXXX   would allow them to not participate in the program. So I have followed this advice.
<P/>
Synchrony is calling from predominately four ( 4 ) phone numbers. Although on my caller ID shows number and caller information not available for others with no voicemail left. The numbers that I do have are :   XXXX  ,  XXXX ,  XXXX , and  XXXX . From the voice mails, it is a robo-dialer.
<P/>
I had entered into this program with  XXXX  on   XXXX   XXXX  , 2017. I pay   XXXX   an agreed amount each month, via direct draft, and they, per negotiations with the creditors, pay a settled amount to clear the accounts. To the best of my knowledge, I am keeping my end of the agreement to which my creditors are not. Especially Synchrony Bank.
<P/>
When I had first applied for credit with any of my creditors, I applied as retired (  XXXX  ), for which I am. I had part time work working three days a week with a temp agency. That assignment has since ended the beginning of   XXXX   2017. Prior to the loss of the PT job, there was a reduction of hours and pay, which did not help my credit payment efforts, hence the   XXXX   solution.
<P/>
My research has enlightened me to Creditor Harassment under the Fair Debt Collection Practices Act ( FDCPA ). To which I believe that Synchrony Bank certainly is in violation of with the frequent, repeated calls throughout the day. As I stated earlier, three ( 3 ) such calls in the span of 10 minutes. I would like a resolution to this, and my research has also enlightened me to suing and getting {$1500.00} per call. With the volume of calls thus far, my indebtedness to Synchrony Bank is paid off and then some.
<P/>
My suggestion for a just and fair resolution would be to call it even. Synchrony Bank stops calling, clears all of my debts due to them, due to the harassing calls, and enters positive cleared status on my credit reports. My remaining debts are my responsibility.

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 2017-07-16
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/XXXX -I have screenshots of transactions- simple dba bbva compass was notifed of a dispute w  XXXX  that the hotel kept giving me   XXXX   about and refused to refund the charge over. ( I had no issue w   XXXX   XXXX   XXXX   reversing a similar charge. ) two weeks have gone by and no money has been returned to me as per the visa agreement. now bank wants to close the account w my social security going into it. funds have not been reversed to me, nor was i given an eta on the funds reversal. I was  XXXX  w a 2 month wait. It doesnt take 2 mos to give money back to the consumer. usually its under a week. now I have to sue for  XXXX  because of this. I do not take cellular harassment about things discussed in writing, -electronically or otheriwse- in attempts to dodge legal responsibility very lightly. they were told not to call me and I have multiple calls from washington state. ( 205 ) ac.
 XXXX 
both companies are scam artists and factually provide no corporate escalations contact information. simple is out of  XXXX , not washington state, where they were headquartered.bbva compass bought them out. they harass customers, despite being told calls were not being taken. these are unlawful retaliations.
 XXXX 
banks that can not uphold visa agreements should not be on thier network. this is the second bank i have had   XXXX   with.   XXXX   is the first.
 XXXX 
I repeat my demand to the bank for payment-and deny them the right to close an account that social security benefits are going to. Should they continue to close the account wo permission, they will be sued for any missing  XXXX  payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account has been passed around through several collection agencies which they 're trying to collect on a debt I do not owe. The balance is for {$640.00}, I am in good standing with the Original Creditor "   XXXX   '' and I plan on staying that way. Trying to collect a payment on a debt I do not owe is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I. XXXX Law Firm/Attorney 's ) sent me a letter dated XX/XX/XXXXstating 1 ) they had been retained by INSERT ORIGINAL LENDER, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX XXXX XXXX FIRM/ATTORNEY 'S to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX ATTORNEY 'S on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX XXXX XXXX FIRM/ATTORNEY 'S regarding this matter. 

Go here and file a complaint against the law firm after you. 

ISSUE : This firm stated they were retained by Small Claim XXXX, That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX XXXX XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a call from my mortgage company, asking me to return the call. When I did, they refused to tell me what the call was regarding until I confirmed some information. They were calling on XXXX XXXX, saying that my mortgage was late. We have just refinanced our mortgage, and this represents the first payment due, on XXXX XXXX. The individual on the phone told me that I was not technically late, as I have a 60-day grace period since it is a new mortgage, but that the collection calls would not stop until the payment was received. My husband and I have never been late with a mortgage payment, and I told her this and said I needed to call my husband to check on the status. At this, she continued to push me about when they payment would be received ( it had already been paid electronically ), in what form, etc. I found this call to be inappropriate, and since I did not owe an outstanding debt, it was even more egregious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been denied credit because XXXX refuses to remove a a negative account from my profile. On my credit report XXXX XXXX XXXX is listed as a seriously delinquent account as of XXXX/2014 although I provided them with a copy of the original contract which states that the contract date was XXXX/XXXX/14 and that the first payment was not due until XXXX/XXXX/2014. Not to mention I paid the first three payments on the date of the contract. I have disputed this item on XXXX occasions and it is an obvious case of XXXX working to keep a bad spot on my credit because XXXX XXXX XXXX is a paying client. XXXX is responsible for what is reported to potential lenders and I want XXXX held accountable for this infraction of the FCRA. It has caused me emotional stress, pain and anguish because I am not able to live my life to the fullest and it is embarrassing to be refused credit especially due to greed. My quality of life has been greatly diminished. Not to mention I have spent days going thru the proper channels with XXXX and I earn {$1000.00} per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navy federal put hold on {$2000.00} of my SSI partial pymt ( lump sum ) on Saturday after releasing it early on XXXX XXXX 2016 rather than the XXXX of XXXX. 


I have a bill of XXXX ... I make monthly pymts on my secured credit card with them ( Navy Federal ) They claim that my deposit I put up for secure pymt on credit a year ago was n't received ... which they confirmed a year back that it was. SSi deposited my regular monthly pymt and a day later part of my 'lump sum ' ( {$2900.00} ) in my credit union savings account. The secure credit card department of credit union put a hold my SSI lump sum.They did n't send a letter or call me to inform me of this. When I called after noticing the money missing from account..I was just told it was being put on hold.I was told this was an illegal action..what can I do?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Franklin Collection Service, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this is a hospital bill that the va should have paid but they ( XXXX ) did not bill properly or in a timely fashion. The XXXX in XXXX, Tn. sent me to the er. the hospital tried to bill the XXXX a year late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth financial is reporting against my credit score negatively and is reporting that the account is only 2 months old when in reality its been at least 7 years since I may or may not have used the services of   XXXX   XXXX   and fire department for an emergency situation. The debt should have fallen off my credit report by now. I am trying to rebuild my credit and am not against working with the collection agency but should not be shown as a new account.

Company response to consumer: Closed with explanation