BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is in addition to Case number : XXXX received a Letter from Bank of America requesting more time to provide a answer regarding Lender. Not only did I get a Letter requesting more time, I also received a letter about a Loan Modification. I ca n't express enough that there will be no Loan Modification. Why?? Bank of America can not even address America 's Wholesale Lender, A Corporation existing under XXXX Law in 2007. Nor can they address the fact America 's Wholesale Lender " A Corporation '' " A Lender '' does not exist in XXXX and is not a Corporation in other States as well. " America 's Wholesale Lender '' The Lender to the deed of trust and to the Promissory Note is clearly a dba, Trademark Name, or fictitious entity. Problem is, Bank of America wishes me to believe that XXXX is the " Lender '' on behalf of XXXX XXXX Asset Backed Certificates. Trustee and Lender are not the same in this case. Especially when XXXX XXXX XXXX with XXXX has written that XXXX is not a Lender, XXXX does not own Loan or Property. Bank of America knows this is true. Therefore, I ca n't understand why Bank of America would even assume that they can just choose who they want to call out as " The Lender '' My Deed of Trust and Promissory note on XXXX XXXX, 2007 were written as America 's Wholesale Lender " The Lender '' A Corporation under XXXX Law. Bank of America how did you get standing to transfer, assign, convey to XXXX or XXXX? A fictitious entity, assumed name, is not a person, is not a legal business. According to Tax Comptroller of Texas, America 's Wholesale Lender, dba does not even have a Tax ID. OCC states America 's Wholesale Lender a DBA, Banking Commissioner, America 's Wholesale Lender, a dba, XXXX County Clerks office XXXX, Assumed name Certificate America 's Wholesale Lender dba. 
There must be a Rabbit in the Hat somewhere for Bank of America to convey property when the Lender " America 's Wholesale Lender '' is a dba name ( Countrywide Home Loans dba America 's Wholesale Lender ). XXXX denies being Lender, furthermore, I have never entered into any contract with XXXX XXXX. I have no DOT or Promissory Note which calls out XXXX XXXX as my Lender. No more time is allowed. Denied. You have no more time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In preparation of foreclosure, Bank of America stopped paying the XXXX portion of the hazard insurance. As a previously MHA HAMP modified home loan mortgage account guidelines require the establishment and continuation of an escrow account for the purposes of ensuring the payment of property taxes, hazard insurance and natural disaster ( acts of God ) insurance as appropriate. Appropriateness is indicated when natural disaster property insurance is offered by the state. In this instance, the state of California offers earthquake insurance for interested homeowners. Bank of America incorrectly and improperly effectively cancelled the XXXX property insurance, without the borrower consent, when it refused to continue to pay the XXXX portion of the hazard insurance for the property as Bank of America had been doing before simply stopping when deciding to move forward with foreclosure.

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 2017-01-20
Company: Navient Solutions, LLC.
State: ME
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 hold both federal and private student loans with Navient. Since they took over for XXXX XXXX my monthly payments have been consistently applied to the wrong account adding up to multiple late fees and even affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I experienced exactly what is detailed in the lawsuit against navient. Upon graduation I was unable to find work in my field. I contacted navient to try to consolidate my loans to get a lower monthly payment. I was informed my loans were considered to be consolidated because they held all of my loans and my payment could be no lower than roughly {$250.00} a month ( while my wife who has XXXX in student loans more than me pays half ). I was told I did n't qualify for income based repayment. I was instead directed toward deferment and forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To whom it may concern ; I 've some concerns regarding my current student loans and came across your web site thinking you might give me some direction to my quandary. 
Student loan servicers, whether for-profit, not-for-profit or government agencies, should be accountable for serving borrowers fairly, efficiently and effectively. The " Joint Statement of Principles on Student Loan Servicing '' states that student loan borrowers have protections so that they will be treated " fairly '' even if they are struggling to repay their loans and have assurances that student loan servicers, both in the marketplace and through federally-contracted companies, " are held accountable for their conduct ''. 
But I find that this is inaccurate - Loan servicers do n't apply repayment funds equitably to the interest and the principle balance, such as in a home mortgage. This is unfair practice that keeps the borrower in debt for longer periods of time at greater expense on long term notes. 
I have been in repayment for some time now and found out that my loan servicer has only been applying my payment to the interest only. At this rate I will constantly accrue interest and never have the ability to pay down the principle amount, costing thousands of dollars that are charged to me unfairly. 
Is there some resolve to this mess that can give me some direction so I can feel better about paying on my loans? 
I would appreciate any guidance you can offer, A frustrated borrower

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
At the time, in early 2015, I was a customer of Bank of America, living in XXXX County, Virginia. I had several unauthorized charges on my account, and as soon as I noticed them, I contacted BofA 's fraud hotline and had them begin an investigation, with some of the money temporarily returned to me. I was supposed to receive some forms in the mail, including affidavits to sign, however I never received these documents. Subsequent calls to Bank of America told me that the documents were on their way and not to worry. Then, suddenly, out of the blue, Bank of America closed my account without warning and sent a letter of explanation that said I was severely overdrawn because they had removed the temporary credits because I had not turned in those signed affidavits that I had never received. Now I have a permanent black mark on my credit report and am blocked from re-opening my account at Bank of America. Since this was n't my fault and I made several reasonable attempts to resolve the situation by following through on their legal requests of me, I would like this decision to be reversed and to be allowed to bank with Bank of America again.

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 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello to whom this may concern, My name is XXXX XXXX and on XXXX XXXX 2015 I received a letter from Bank Of America stating that they were forgiving my second mortgage debt. I ' am currently in the middle of a refinance transaction and am trying to get the forgiven lien from my property title. I have contacted Bank of America several times now trying to additional information for the title company but I have ben told that they might take any where between 30 to 90 days. This effects my current transaction and locked interest rate. If I do not get anything from them soon I might be subjected to new interest rate pricing or not qualify at all. What I would like is for Bank of America to provide me with a letter to satisfy the lien and have it removed from my title. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a XXXX XXXX and all of these collections that are medical in nature from XXXX XXXX XXXX. I asked them to do 2 things : 1. Please send me detailed billing because in the past every time I had a bill there I was " over charged '' or " charged for things not done or administered. ( Never Recieved! ) 2. I was willing ( after # XXXX ) to " combine '' what I did actually owe and pay them off or settle w/them. I CAN NOT GET VERIFICATION AND I WILL NOT BE XXXX AGAIN!! Please help me!!

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 2015-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past two years I have been unable to pay my mortgage within the first two weeks of the month. Bank of America personnel in the bank branches and at their XXXX customer contact phone numbers have told me when paying in the last few days of the month to avoid a 30 day late payment, I must pay over the phone. They charge up to {$20.00} per payment to pay over the phone with a debit card. This charge is in addition to a late charge. I feel the bank should post the payments made in their branches immediately instead of forcing me to pay the extra fee each month by phone to avoid a late posting of my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I noticed an unauthorized transfer of {$300.00} under my Bank of America checking account. I called Bank of America immediately to report this. The transaction was still pending. I asked them if they can cancel this transaction since it is still pending. They told me that I had to file a claim. Fine. So I filed my claim and changed my log in information. Couple days later, to my surprise, I noticed the transaction went through. I called again to ask why. The rep told me there is nothing they can do at that point and I had to just wait. Fine! Couple days later, I received a " friendly '' email saying that my claim had been declined because they determined that the transaction was authorized by me. Their explanation : you said your ex-roommate might have your log in information. " If at any time you give your Online ID or Passcode to someone, personal or business ; that person or entity is authorized, by you, to perform that transaction. '' I never said I gave me ex-roommate my log in information. I said she might have it since my user name and password are similar for many accounts. But the rep wo n't listen. I called back several times to argue with the rep, but she was being impatient and rude. I had been with Bank of America since 2008. I had a checking account where I deposit more than {$50000.00} yearly and a credit card which I used to put more than $ XXXX spending yearly. I would never lie to get {$300.00}. The way they treated a loyal customer makes me mad. Claim reference number: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 2016-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America 's Escrow Department failed to pay my property taxes in a timely matter and failed to provide me with the escrow funds in a timely matter in which I could pay my property taxes prior to incurring a penalty. My taxes were due on XXXX XXXX 2015, on XXXX XXXX 2015 I paid the full loan balance of my mortgage with B of A and they waited till XXXX XXXX 2015 to refund my Escrow and even through they knew the taxes were due, failed to make the payment prior to the delinquent date of XXXX XXXX 2015. By the time I received the funds and understood they had failed to pay my taxes when due, I had incurred a penalty of {$170.00}.

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 monetary relief
Consumer complaint received 2015-09-23
Company: CAINE & WEINER COMPANY, INC.
State: AZ
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 had a student loan in XXXX back in the XXXX 's. The loan was paid in full more than 25 years ago. XXXX which is the loan agency in XXXX still claim that I owe them money. I have sent them letters in the past disputing the debt. They are now hiring Caine & Weiner in the XXXX to try to collect the non existent debt. I have sent Caine & Weiner a letter dated XX/XX/XXXX and asked them for verification of the debt and for them to not contact me anymore except for the verification. I have not received any verification of the debt. Now XX/XX/XXXX they called me and told me that I am in collection for the non existent debt from XXXX. XXXX from Caine & Weiner told me that this was a different debt from the same " XXXX '' client.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: IQOR US INC
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number has called me XXXX times a day. When I answer no one is there

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My deposits are not being processed on time for me to receive them because they dont want me to report them for the y will be closed on a Saturday and they try to determine who I report them to the following Monday. I call 3 othe r banks that said I should have received my deposit fro m VA defas or  the treasury.     Also bank took money from my account after I confirmed by phone that the money was there. When I went online to spend it suddenly  XXXX  disappeared then  XXXX  more then  XXXX  more not allowing me to pay my tuition and ruining my registration for courses. I emailed and they refused to state entirely what had been done. When I called they claimed a disclosure that i never received took effect at that very moment late in the afternoon and thats why they did it. So they admittingly denied me my banking rights to hide their discrimination. And just gave me the money back ...     Please help me in this matter.   They have been ruining my life this year

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We negotiated and signed a contract for our home in XXXX, VA, on XX/XX/XXXX based in large part on the buyers ' Pre Qualification Notification letter from Sun Trust Mortgage dated XXXX XXXX. The agreed upon price and terms were well under the approved parameters in the letter which also stated " I have evaluated your credit, and reviewed the requirements of the loan program discussed. '' Then some 5 weeks into the transaction, Sun Trust told the buyers that the pre-approved loan program did not exist and issued a loan rejection letter on XXXX XXXX -- only 4 days prior to the scheduled closing on XXXX XXXX. I had the movers scheduled for that day and the buyers had terminated their lease in order to take occupancy at the end of the week. In the midst of this bank induced turmoil and trauma, the Sun Trust loan consultant and bank executives then became essentially non-communicative and non-responsive. My realtor essentially preserved the sale by negotiating a new agreement wherein she and the buyers ' broker and agent provided the bulk of their commissions to enable a transaction satisfactory to the bank. I have waited a couple months to calm down but it seems implausible to me that Sun Trust can issue a written approval intended in large part to convince sellers of the buyers ' qualification, at the last moment cancel the whole deal based on their error, and walk away scott free.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: KEYCORP
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 financed my student loans through Key Bank. There was a short time when I was without a job and/or not making enough to make the outrageously high payments that Key was requiring. I spoke with someone and deferred the loans, though at a later date, I was informed that my loans had been sent over to collections in that time and that my loan payments I was making were no longer considered " valid payments. '' This has led to Key Bank ruining my credit, stating that I am delinquent in my payments. I have had automatic payments set up for the last three years in order to prevent this from being the case, however the institution is requiring that I pay the full balance off, otherwise they will continue to mark me as delinquent/past due and ding my credit. I am unable to move forward with anything in my life that would require a loan ( home, vehicle, graduate classes ) because of this. I have spoke with Key Bank and they are in no way willing to work with me, even as I continue to make my monthly payments. 

I have continually tried to work with Key Bank in order to get everything sorted out. At one point, I was informed that Key Bank no longer managed student loans and that I would need to contact XXXX of XXXX different companies to try and track down where my loans were sold off to. No information given other than the name of the XXXX companies. I spent countless hours contacting the multiple companies, trying to track down my loans with no success. I went back to Key Bank and they transferred me around, only to learn that they still maintained ownership of the loans. 

I am baffled at how they can be allowed to get away with something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan company, Caliber Home Loans, sent me a certified letter stating that I 'm XXXX XXXX XXXX XXXX behind. This is false, and I can prove it! They also have reported me as being XXXX payments late. Also, FALSE! XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX years ago we had to retain an attorney because our mortgage company, Vericrest Financial, also accused us of non-payment and paying late. After a process that took XXXX XXXX years, the attorney got them to settle out of court and they were supposed to fix the negative reporting from all XXXX XXXX XXXX XXXX credit reporting agencies. They failed to do this and I was not able to get them to comply. I had to write to the individual companies and only XXXX XXXX XXXX XXXX were fixed. Also, I applied for a loan modification to Vericrest, which the attorney was able to get them to accept when, previously, Vericrest had denied it. Now Caliber Home Loan is doing the same thing. They are reporting us as paying late, non-payment and I resubmitted a loan modification, since it was due again, and Caliber loans says I never filed XXXX. At this time, I 'm unable to retain an attorney because XXXX financially, I ca n't afford an attorney right now. But I can prove, that even though I have been sick, I have still been paying on time!!!!! After the problems with Vericrest, the attorney suggested that we only pay our mortgage with a certified check, every month, and then send it by priority mail and keep the tracking numbers and receipts. This is what we have done every month, for the last XXXX years, so we have ample proof that they are falsely accusing us!!! I will be submitting the letter that was sent from Caliber, along with our two ( XXXX ) months of the certified checks and the receipts from the post office with the tracking numbers. I sincerely hope that you will investigate and that they will be punished so that no other family will have to go through this!!!! I do believe that we are being targeted because I 'm sick and Caliber is hoping to get our home. We look forward to hearing from you very soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation