BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I stopped paying on my mortgage XX/XX/XXXX. I lost my job and had to move for work to another state. The forclosure process began XX/XX/XXXX. Then it was sent to collections in XX/XX/XXXX. The bank dragged its feet and delayed the forclosure sale and the deed transfer was not completed until XX/XX/XXXX. I do not understand how this is possible. As a result of the bank purposefully stalling the forclosure proceedings i have been harmed. As the XX/XX/XXXX date looks like my forclosure occluded, I am not eligible for the FHA mortgage fresh start initiative or other programs due to the '' banks zombie title ". I need help with what my rights with this matter are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX has continued reporting XXXX 2005. This was a debt switched to my name before my ex-wife divorced me. XXXX has changed collection agencies to keep this on my record. I 'm not paying it and it 's over 10 yrs old. Take it off. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Never got my escrow check worth of {$5400.00}. Its been delayed for a long time. Pmi Should not be charged after 20 % of the payment.

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 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One has a fraudulent account on my credit report. Ive submitted proof of claim including a police report and other documentation however they continue reporting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Diversified Consultants, Inc.
State: CA
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:
Dear Sir/Madam, Complaint number XXXX & XXXX & XXXX : XXXX Case : XXXX XXXX XXXX XXXX Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by XXXX and XXXX under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, Diversified Consultants , Inc . 

The following is a letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed you also had the exhibits that was enclosed with theXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
reporting agency can not find/locate my credit report.

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 2017-01-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have extended fraud alerts on my report I faxed police reports to fraud department Yet items remain

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 2015-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a bank account with Bank of America. to transfer money between accounts, they have a {$1000.00} limit per day, unless you get a text message code, or get XXXX card. 
I have recently relocated back XXXX XXXX after living and working XXXX for a year ). During this relocation my XXXX card malfunctioned, and will not allow me to transfer money. Now that i am living outside of the United States, Bank of America will not provide me with a replacement XXXX card ( as they do not send overseas ), and I can not get phone text messages ( again due to me being outside of the United States XXXX. Due to this, I am unable to transfer my money XXXX more than {$1000.00} a day ) between accounts, and outside of the United States back home. 
As I was working in the United States for a year, I have a substantial amount in this account, that I would like to get access to. 
And to make matter worse, they have a policy of not replacing a XXXX card within 30 days of updating an address. Which I was not aware of. So after relocating to XXXX, and getting a house to live in, I updated my address, then tried to apply for the XXXX card. I was told that I need to wait for 30 days, before I can re-apply for this card. 
So, I have waited for 30 days, and have just been informed that I can not get this card at all ( unless I change my address to a friends place, wait another 30 days, then get it sent to my friends who can then forward it on to me ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Multiple months now I have received letters from Navient claiming they have n't received my payments when my payments are auto-debited every month. I tried calling several times today and the recording on the phone says they 're closed even though their hours indicate that they 're still open, then the call just hangs up. This is very frustrating because 1. Where is my money going? And XXXX. I do n't want them to falsely report to the credit bureau that I 'm not paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a member with USAA for over 25 years. Have always had excellent credit. I have been late on a credit card payment by only a few days maybe XXXX times in 20 years. NEVER multiple billing cycles. I set up automatic payment in late XXXX or early XXXX of 2022. USAA never contacted me to let me know it was not set up correctly. They claim they sent XXXX letters in XXXX and XXXX notifying me of an outstanding balance - I never received this. However, I have received multiple emails and letters from my insurance through USAA - nothing that there was something amiss with my credit card. 
I have spoke with USAA for over XXXX hours today- they tell me there is nothing they are willing do to do rectify this. I am requesting I set up automatic payment correctly, USAA did not notify me there was a problem with my account or a deliquincy, I need this rectified. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been in repayment since XX/XX/XXXX with Navient for my college education that started in XX/XX/XXXX. Over this time I have been less than satisfied with the support of this company. 1 ) Loan 's are confusing : over the past 6 years they have changed the way I make payments and see my payment allocations ... bundling all my loans together, separating federal from private, and now they are broken down even further into many payments within each category. This makes it very difficult to know what you are paying and to where over the life of the loan. 2 ) I have high, but variable interest rates. I have been told by Navient that these interest rates never go down, but they do go up. over 13 % on some of my private loans feels like they are really setting me up for failure, and even though the libor interest rates have gone down in the past 6 years, my interest rates have only increased. 3 ) Taking out a total of $ XXXX in both private and federal loans from XXXX/Naivent, I started repayment with about a $ XXXX/month payment. Starting out in the work force in XXXX ( I was happy I even got a job ), this was very difficult to pay. I tried to lower my payments and instead of gviing me the option of an income based repayment plan, I was put into an interest only payment plan. so for 1 whole year my ( now about $ XXXX/month payment ) was only going towards interest and my principal balance was rising. 4 ) Due to the suspicion of my rising principal balance, I have called ( now ) Navient many times to try and understand not only my balance but my options. To date I have PAID just over $ XXXX to Navient ( monthly payments ranging from {$700.00} - {$1200.00} over the past 6 years ) for my $ XXXX loan, and to date have just over a $ XXXX BALANCE on my principal. One phone call with a representative told me that something did seem off, and that my principal should be about $ XXXX lower than what it was ( convo on XXXX XXXX XXXX ). This " initiated an investigation '', which concluded in no change in my principal balance. My complaint is that I feel I have been mislead, taken advantage of, and XXXX of my very HARD earned money for a $ XXXX loan I have paid almost double for already. Given the recent law suit against Navient, I realize I am not the only one. I do not believe that my college education is a given right, but there is a such thing as having integrity when administering student loans to students that are XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
non stop calling even after telling the company that a check was sent. Also, makes threats to my co-borrower who is now an elder and on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have contacted XXXX XXXX now Navient about accounts that has been listen on my credit report same account under both names with the same account number. The have been reporting an account that should not have been open on my credit report and refused to investigate the account to see. I have asked them repeatedly to investigate the account. They are also reporting the wrong delinquency dates for other account as well.

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

Complaint:
Bank of America , N.A . closed my BankXXXX XXXX XXXX XXXX XXXX card account ( among others ) without the 30 day notice required under XXXX law and confiscated XXXX " travel reward '' points that I had available at the 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 2016-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
After submitting a mortgage application 1 month ago, Bank of America has not sent us the new Loan Disclosure form. BofA, when asked, said they were not aware that a Loan Disclosure form was a requirement.

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 2017-01-18
Company: TENET HEALTHCARE CORPORATION
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX 2016 I took my son XXXX to the XXXX department in XXXX XXXX, XXXX, GA. At the time I paid {$150.00} in the XXXX department. We later received the bill from the hospital claiming that we had not made any payments to the at time of service. I paid the remainder of the bill ( {$100.00} ) and contacted the hospital sort out the missing {$150.00}. I sent them the receipts, backdraft copies where the payment was cleared by my bank. I received another 2 bills from the hospital claiming I owed {$150.00}, the hospital claimed the had not received the documents I had faxed them. This happened 4 times over the time of 3 month. The hospital then handed the matter over to Central Financial Control Debt Collector. Again I faxed tem the documents showing I had paid at the time of service. The first 3 times they claimed they had not received the documents, so on the XXXX of XXXX 2016 I faxed 20 copies from 3 different fax machines and 3 copies by regular mail. Central Financial Control then acknowledged that they had received the information and it had been handed over to their disputed claims department. Since XXXX I have been told that my claim is under review and they will get back to me shortly. However, I have had no information about my claim, the person in charge of my claim ( XXXX XXXX ) have not returned any of my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Mortgage payment XX/XX/2021 wasn't late. I always paid on time as agreed. See attached account history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan No : XXXX Property Address : XXXX , AZ XXXX Consumer Financial Protection Board Since XXXX, I have in six occasions applied for a loan modification and in each occasion the loan modification has been denied for what I believe is not enough reason or evidence for the denials. In two occasions I have file a complain with the Consumer Financial Protection Board. However, no resolution of this case has come to fruition for me as a consumer. The case numbers for my prior complaints are XXXX and XXXX. 

We are requesting that XXXX and its servicer Bank of America modify this loan to acceptable terms in the industry ( 40 years fixed rate at 4 % or lower ). We are currently paying a rate of 5.625 % 20-year fully amortized loan. After having paid without missing a payment interest only at a rate of 5.625 % for 10 years. I am currently unemployed and for the first time in 10 years, I was forced to skip a payment XXXX XXXX, I will not be able to pay XXXX XXXX either. We had to replace the AC unit at a cost of {$5000.00} dollars. Fact that escaped the underwriters at Bank of America having shown proof of these facts. The underwriters also dismissed the fact that the loan also recast in XXXX XXXX. This fact, was not taking in consideration and the only solution they want is a Short Sale on a property I bought with 25 % down payment. Bank of America 's underwriters insist that there is no evidence of hardship. Underwriters also state that we have over {$25000.00} dollars in liquid assets. Fact that is not factual as I discussed at length with Bank of America Relationship Manager. 

I will greatly appreciate your assistance in fulfilling your charter as a Consumer Protection Agency. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am in approximately {$260000.00} of debt from school fees that are all from my XXXX education at XXXX University. Many, but not all, of my loans have a 10 percent interest rate. At one point I tried to consolidate, and was turned down. I have XXXX individual private loans ( through Navient - formerly XXXX XXXX ) and federal loans ( through XXXX ). I left school with {$80000.00} in debt. Paying off this debt has been exacerbated by an egregious case of XXXX XXXX XXXX, for which I have been treated ( and had to leave a semester of school for ). I was officially diagnosed at XXXX, though I struggled with this condition my entire life and am currently in XXXX. I am addressing this because the XXXX played a role in my difficulty in initially negotiating, procuring, and then paying off these loans. Many have doubled. This has become an extreme XXXX burden. 

In contacting you, I am attempting to address my debt in a different way, rather than paying the minimum balance I can currently afford and watching the interest continue to accrue in a way that I feel exploits me. Apparently, I 'm wasting my money as a few lawyers indicated. I am hoping to explore my options. 

Throughout the process of seeking legal advise : XXXX lawyer advised me to file a Chapter XXXX bankruptcy claim.In addition, we were exploring the tenets of the XXXX XXXX towards whether or not anything was dischargeable. More than XXXX lawyer indicated that a strategic default was the best option and in doing so ; destroying my credit and providing for a hand-to-mouth off the grid existence. I have explored ; to no avail, almost every avenue of reconciliation which includes income based repayment, forgiveness, consolidation, forbearances, deferment, student loan companies, etc ... Another indicated that I try to find someone to take on my case pro bono or to represent myself pro se. And, another indicated the best option was to engage in a strategic discharge that I find to be ethically and morally reprehensible. However, I 'd be judgment proof apparently. This is not what I want to do! 

I 've been working XXXX hours a week for the last ten years of my life. I am tired, exhausted, scared, and these loans do not seem to be getting smaller, but rather larger. Im seriously concerned with my ability to have a life socially and economically because this debt is such a burden on me. 

I truly am not wishing to exploit this system and want to honor my debt. However, this is insurmountable and I do not see a way to pay off the debt in my lifetime. Are there other options for me to explore? 


I do n't have any idea what to do now ... I ca n't get out from under this seemingly insurmountable debt. I ca n't participate in the economy in any sort of meaningful way ( house, savings, XXXX edu, car, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a XXXX Comenity Capital Credit Card. As I was trying to obtain a mortgage, I paid the " balance in full, '' not the statement balance in XX/XX/XXXXand asked for the account to be closed. After I paid the entire balance, they charged a {$39.00} late fee and continued to do so until my balance was approximately {$190.00}. When I called, I was told that the account was closed but these were late fees. I had previously tried to communicate via the secure message center, but their replies were, I believe intentionally vague and not helpful. I spoke with XXXX ( ID # XXXX ) on XX/XX/2017 who said that if I paid a {$27.00} fee, she would negate the rest of the fees because my account was indeed closed in XX/XX/XXXX. I just received an email that my statement was ready to view. Obviously, I should not have a statement, so I logged in to see. I still have an available credit limit of {$150.00} and now have a balance of {$1.00}. The reply email I got from them was that I had to pay streaming interest on purchases until the balance was paid in full? I can not remember the last time I made a purchase with this card and do not have a balance with them. If I do not pay this {$1.00} balance, I am certain they will rack up late fee again. They now say that my account was n't closed until XX/XX/XXXX which leaves me to wonder why I have available credit at all?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Back in 2013 I started applying for jobs everywhere due to the fact I was a single mother. This company " XXXX XXXX company '' sent me a check letting me know I was hired and I had to activate the check and I could start working. I followed the directions in the letter that was originally attached to the check ( you will find it in the attachment of documents ) I activated the check and verified with the bank that it was real the lady I spoke with said yes and I had to deposit it and wait for it to clear. I woke up the next morning to my bank account being closed do to " fraudulent activity '' I have been fighting this matter with " XXXX '' & " XXXX '' back and forth since 2013. And till this day with all the proof I have they still are n't willing to work with me. I feel like I was ripped off of my life for the past 3+ years. I just want to be able to get my life together for my son. It is already hard enough living in XXXX XXXX let alone being a single mother. Please help me gain my life back!! People should n't have to suffer due to scams going around. Please look at all the information I am providing and take it into high consideration. Thank you for your 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 monetary relief