BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced with Bank of America in XXXX. All the documents that I have received in my prior complaints support my position that the money past due was placed on the back end of the mortgage yet BOA refuses to correct my credit reports with all of the credit agencies. My outstanding balance after the write was supposed to be placed on the back end of the mortgage. This was what I believed to be happening when I rewrote the mortgage back then, my former rep XXXX confirmed that it was on the back end of the mortgage during our MANY phone conversations yet BOA reported us late for our mortgage for those years resulting in the destruction of my credit rating, resulting in my inability to obtain student loans for my children, and my ability to obtain any form of credit. I have had enough of their delays, their refusal to correct the reports, and their treatment of my account. I have documentation showing that it was placed on the back end of the mortgage yet BOA, slow in their responses to my MANY MANY MANY complaints, take their time in responding, fail to correct the fact and I will have no choice but to file suit for this wrong. I have written many complaints on this issue yet BOA refuses to correct the wrong. Though my loan has been rewritten and my past due amount has now been correctly placed on the back end of the loan my credit continues to be destroyed by BOA. In all of my complaints that I have filed BOA has sent me many letters stating that the matter is still under investigation, can we have additional time to investigate, our representative will contact you, we are reviewing your complaint, blah blah blah yet nothing is done. All I have asked was for BOA to remove all negative remarks from my credit scores from the date of my first rewrite. I have no choice but to pursue legal action, seek damages for their wrong doing, and demand treble damages under a XXXX and all legal fees and costs for filing the complaint if it continues. I think my request to simply remove negative remarks without further action is reasonable as I have documented evidence to support my position. The letter that I have dated XXXX XXXX, XXXX clearly shows that the loan in XXXX was approved and that the outstanding balance was added to the loan. THAT MEANS IT WAS PLACED ON THE BACK END OF THE LOAN AND NO LONGER OUTSTANDING. BOA is a huge company and I am simply a consumer yet this company has destroyed my credit and I can not sit back any longer. My offer to remove all negative credit within XXXX stands, if not, I will commence XXXX proceedings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: CA
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 cosigned my daughter 's student loan from XXXX ( now Navient ) almost 9 years ago. The understanding was that once she made 24 payments on time and was working and had established good credit, I, as the cosigner, could be released. Two years after she made 24 monthly on time payments, we attempted to get a release to no avail. Navient had changed the due date of her loan without advising her and that became the reason that they would not release me as cosigner. Fast forward several years ... My daughter is a XXXX for XXXX and makes 3 times what I, as a XXXX and XXXX, make. As a XXXX, it is common practice in XXXX to have the XXXX use their own credit cards for entertainment and travel, then get reimbursed by the company. Although we sent all of the appropriate documentation to Navient, they refuse to consider my daughter 's situation as an XXXX who gets reimbursed at the end of every month for the expenses relative to doing business. They have continually refused to release me as cosigner no matter what. I would like an investigation into how many people they have released as cosigners and I would like a financial person to review my daughter 's situation. Their customer service people are rude and nasty, unhelpful, and the company is completely shady. When it was XXXX, they were much easier to deal with. It is also notable that my daughter has paid more than the monthly required amount and they still will find a way to deny the request for cosigner release. Please review and look into this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for years to modify an excessively high interest mortgage loan will Wells Fargo Bank, 7.4 %, however, the bank is a predatory lender and will not modify the loan on a permanent basis. I became ill and was unable to work for 2 years. I was forced to move in with my mother and rent my home for {$2400.00} a month which did not cover the mortgage of {$3900.00}. My mother paid the difference. I returned to work last month, XXXX 2017, and immediately started the modification process. My income dropped by over 50 % and I was told by Wells Fargo representative that I should qualify for the modification due to my circumstances. 
I was advised yesterday, XX/XX/XXXX, that Wells Fargo could not reduce my monthly payment. 
I contacted Wells Fargo executive office who provided details of the denial saying my income is not high enough for a " piggyback " approach. 
Again, Wells Fargo is trying to capitalize on their customer 's hardship. My home has equity and they offered a short sale which would benefit the bank. Please help, they are absolutely the worst lender. 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 2016-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Entered into subprime mortgage with Countrywide. Had a motorcycle accident. Immediately contacted HUD/FHA for mortgage relief while injured ( could not go to work, financial hardship ). Contacted by BofA regarding my requests. Sent to numerous mortgage counseling programs and representatives of different departments within BofA, all to no avail. BofA disregarded my qualified written requests as of why they were dual-tracking my mortgage and were deficient in providing me with mortgage foreclosure relief at the same time. In violation of RESPA, BofA never responded, but continued forward with their foreclosure actions by and through their attorneys XXXX XXXX XXXX in XXXX, Illinois.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, Bank of America confirmed with me a Cease and Desist Collections tag and code had been placed on my mortgage account. Since receipt of this confirmation, the Cease and Desist Collections tag and code was removed. My home loan mortgage account is now in active foreclosure with a Notice of Default and Election to Sell with California Declaration, a XXXX page document, has been recorded along with a separate document, a Substitution of Trustee on XX/XX/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 2016-07-08
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 get flexible payment options

Complaint:
I consolidated my loans maybe a year or two ago. I was so happy a weight was lifted off of me. Later i began receiving calls from Navient formally XXXX XXXX. i explained to the rep that i had consolidated all my loans and didnt know the $ XXXX that she was speaking about. come to find out, my mother ( and I ) took out a private loan with XXXX XXXX so that I could go to school. Sometime later i started a program to help me get on track with the payments, I was delinquent with about $ XXXX. I began paying {$200.00} a month. Shortly after that I learned that I was XXXX. About a month before I went out of work I called Navient to see if I could get a forbearance or deferment because it was unpaid leave. They told me I could not, subsequently I cancelled my payments ( that was scheduled for about a year out ) out of anger and frustration that they were not willing to hold payments for a month or two, and because I just could n't pay them while I was out. Anyway, fast forward to after XXXX. I finally spoke to someone about payments again. He was upset because I was ignoring Navients calls. Yes, because because I told them plenty times I could not pay anything while I was on leave. I offered to set up payments again, which was ignored and other payments on my consumer report were brought up. I hung up. If i am trying to set up payments again, why are you harassing me about my car payments. Anyway, I talk to two other people, the last person informed me that I was headed for default. I again told him I could pay {$100.00} a month and we could set up payments. He told me that even if I paid {$100.00} I would still default. I 'm so confused and angry. I do n't know what to do. I can not give them what I do n't have to give. Why will I default even if I am making payments. Navient has been a true nightmare. My fed loans are working with me. Navient is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am called multiple times a day at all hours ranging from XXXX to XXXX even though my loans are not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On or about XXXX XXXX, 2014, I had suffer an injury while in XXXX and was treated at XXXX Hospital XXXX XXXX. I provided my XXXX New Jersey XXXX insurance information to XXXX Hospital. 
On or about XXXX 2014, I received a bill in the amount of {$540.00} from XXXX Hospital and soon thereafter it was reported to TransUnion credit agency as an unpaid debt. ( See Attach TransUnion Credit Report ) On or about XXXX XXXX, 2014, my insure XXXX NJ XXXX contacted XXXX Hospital advise them my bill was in full and on time, and they are to cease and desist billing me. ( See Attach XXXX NJ Letter dated XXXX XXXX, 2014 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: FL
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 explanation
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 had my Capital One Credit Card for over a year. 
I have never had any issues, I've never filed any disputes, I've never lost my card, or had any other issue with this account... 
I have been paying my Capital One Balance with my Checking account since I first opened the Capital One account... 
On XX/XX/2022 Capital One placed 'Restriction ' on my accounts, and requested I call their 'FRAUD ' department... 

I called immediately ... The agent informed me that there was 'Suspicious ' activity on my Capital One account ... When asked what this 'Suspicious " activity was, they informed me I made 'Too many payments to my balance ' ... Baffled I asked why that was a problem, they informed me that I needed to verify the account that I pay my balance with as being my own and that I'm authorized to use the account to pay capital one with... 

If this verification had been requested at the time I first made a payment to Capital One I would understand, but I have been using the same account ( That belongs to me ) to pay my capital one balance for OVER A YEAR and for Capital One to Restrict my account makes NO SENSE, but requested I submit bank statements to verify ownership of my account. 

On XX/XX/2022 I submitted XXXX Full months of Bank Statements to Capital One, however my account is still restricted... 
Additionally, I once again spoke to Capital One 's Customer Service and was informed that it would take 7-10 DAYS for the review to be completed... .WHAT????? 

Capital One has implied I the customer has in some way done something 'Suspicious ' wrong by making a payment!!! 
They Further made matters worse when they told me to call their 'FRAUD ' Dept, to discuss this SUSPICIOUS activity ( Which was me making a payment from the account I always make payments from ) and ever further making matters worse by restricting my account for 7-10 DAYS while they verify the information that was sent to them on XX/XX/2022... 

Again, This is ridiculous, and a HUGE waste of time. Capital One shouldn't be allowed to restrict my account when there has been NO ISSUES, or other problems, and imply that I did something suspicious and imply I committed Fraud ( A FELONY ) by simply making a payment. 

If this doesn't look ridiculous and unacceptable to whoever is reading this then maybe I'm just crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Navient Solutions, LLC.
State: MI
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:
I have a private student loan through XXXX XXXX, now Navient. My mother is the cosigner on the loan. I have been negotiating with Navient to reach a payment amount that I can actually afford. Today, Navient called my husband on both his cell and at his work number and left messages demanding I call them before XXXX or they were turning my loan over for debt collection. My husband is not listed as a contact for my account. I have no clue how they would have gotten his contact info, except for maybe a XXXX search. It seems like leaving a message regarding my loan is a violation of my privacy. Navient already calls me between XXXX times per day. In addition to that today, there was XXXX call to my mother and XXXX to my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote XXXX XXXX XXXX and wanted the account closed. Instead, XXXX  sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XXXX XXXX, 2017 was cashed.
Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute.
I am attaching the correspondence which is connected to Case Number ID 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 non-monetary relief
Consumer complaint received 2016-09-01
Company: Navient Solutions, LLC.
State: OH
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 attended XXXX XXXX XXXX in XXXX, OH from XX/XX/XXXX-XX/XX/XXXX. I had multiple issues finding a job as many others have. When I graduated in XX/XX/XXXX I owed {$41000.00} in loans. At this writing I owe {$39000.00}. It is astounding that in 8 years, I have only reduced my loans by {$2000.00}. The private loans, according to multiple discussions with XXXX XXXX then later Navient, are not eligible for deferment. You can get a forbearance on these loans but you have to pay {$50.00} per loan. And to be quite honest, I am not even sure I signed up for these type of loans. They were not explained to me at all and when I had questions about what I was signing, the financial aid advisor rushed me through the process. I paid {$160.00} a month for five years on my private loans on a graduated repayment plan. I have been paying $ XXXX monthly on my private loans since XX/XX/XXXX and {$130.00} on my federal loans when I could no longer defer them. I want it noted that I have never once went into default with these loans. I want it observed that the total payments I have made on my private loans alone, over an 8 year period and in the evidence I have submitted, is {$15000.00}. How have I paid almost {$16000.00} over 8 years? 
XXXX uses deceptive recruitment practices to lure students into enrolling to receive their federal financial aid. These students receive none of the valuable career skills for which they enrolled in the program and they leave with enormous amounts of debt. Subsequently, they ca n't find a job, they default on their loans, and taxpayers ' dollars are wasted in the process, all while these companies continue to profit off of student loan debt and federal financial aid. Only by my wife and I working together, and the grace of a higher power, we are not in the situation many people we talk to are in. I can not go to a regular school and get an actual valid degree because I simply can not afford to. This whole experience has left a devastating impact on me and I am afraid for my own child to go to college. 
I will not dispute that I owe the government money. I did go to school for two years. But I do believe I was deceived about the type of loans I had and the promise of the career path I chose. It was all lies and I have paid a heavy price for these lies. Again, over 8 years I have paid almost {$16000.00} for my mistake, more if you would like to count my federal loans. 
XXXX built an empire on broken promises and shattered dreams. And they used federal monies to do it. I feel I have more than paid for my degree and am requesting discharge of both my private and federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
A payment was due and received on my XXXX XXXX XXXX with Bank of America on XXXX XXXX. It was received as it has always been via electronic payment directly from my bank account. Yet when I signed on to online banking today, XXXX XXXX, two weeks later, to check this credit card account, a red symbol came up indicating that a " payment is due '' on this card. This is false since the next payment, for less than the last XXXX, is not due until XXXX XXXX. 
When I called the number provided on the online banking website to discuss this account ( XXXX ), I was on put on hold for at least XXXX minutes. This is after I had to call back XXXX4 times due to the inability to reach a customer service representative in a reasonable manner initially and having to deal with an unsupervised computer that blocked the way to being able to reach a human being. So after at least 20 minutes of wasted time, a person picked up the line. At that point, I questioned the false information showing up about a payment being due on BoA 's website, whereupon the person I spoke to started to tell me various things I could do to correct BoA 's website. 
Since I am not a BoA employee and had already had too much of my time wasted, I then asked that the person put a note on my file stating that I had requested, should a company ( Improvements ) attempt to charge my credit card, that it not be allowed to do so. The person I spoke to refused to grant my request and instead dissembled and obfuscated my request by offering to note something on my file that I had not requested.

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