BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from Bank of America. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen XXXX. Soon after trying to fight the discrepancy, I received a letter from bank of america that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with Bank of America trying to get the issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received an overdraft fee for an ACH transaction that was an annual fee and was not aware it was billed until I saw the information on my mobile app. I called BOA and asked for a courtesy exception and they advised I 've already had a courtesy exception in XXXX and they would n't be able to give a XXXX exception. I requested to speak to a Supervisor whose name XXXX XXXX and I placed my fianc on the phone as I was frustrated. My fianc questioned if there had ever been XXXX exceptions given and he advised that they had but due to the circumstances on my account we would n't be able to get a XXXX exception due to the fact she had XXXX overdrafts ( which were debits and per their policy if its approved at swipe their is no overdraft charge ) XXXX of those were not charged a fee and XXXX had, with the XXXX being credited in XXXX and the most recent being our requested now and how deeply her account is overdrawn. He stated that XXXX exceptions are given and upon further research I know that more than XXXX are given to different account holders. My impression was that because we were n't " High Value '' we were denied a XXXX annual exception. I just feel that it 's discriminatory that others are able to receive XXXX, and XXXX exceptions and we 're not. While the reasons behind the multiple exceptions are privy to each account holder receiving the waiver the fact that it 's given we should qualify if we 're talking about fair banking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11
Company: GREAT LAKES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had XXXX different loans under XXXX different accounts through Great Lakes. My beginning balance was {$26000.00} over those XXXX loans. I recently consolidated the XXXX accounts for ease of convenience in paying them off, and to adjust my interest rate. By doing so, my credit score took a XXXX point hit through XXXX. My loans are now being reported with a beginning balance of {$21000.00}, not reflecting the almost {$5000.00} I 've already paid down on them. My installment balances are now calculating at XXXX % of the loaned amount instead of giving me credit for paying down XXXX % of my loans. I believe they should still report the beginning balance as {$26000.00} instead of my current balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: AFNI INC.
State: MN
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:
This debt was on my report for years before I realized it. I disputed it and it was removed in XXXX. 

In XXXX XXXX, it was added back to my reports, without any proper notification. It is also listed as a newer debt, as of XXXX XXXX, not showing any original default date. Considering it was on my report prior to that and removed, when they couldnt provide a legal document bearing my signature or verify the debt was mine. This clearly ca n't be accurate. Originally, prior to removal, it was stated the debt was from XXXX, possibly earlier. Not only are the reporting false data, but also reporting something that is not my debt and added back with no proper notification. Since they ca n't provide me with anything bearing my signature, that the debt is mine, it should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Navient Solutions, LLC.
State: MA
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 took out a private student loan in XXXX with XXXX XXXX. The loan was sold to Navient in XX/XX/XXXX. My interest rate is 12 %. I have been consistently overcharge every month and some moth XXXX percent of my payment is applied to the loan. My original loan balance was {$10000.00} in XX/XX/XXXX. My balance as of today is {$8600.00}. Navient can not explain how my monthly interest, principal and fee are being applied. Some months there is absolutely no money is being applied to the principal at all. I am trying to refinance the loan with them and they will not do so. I have good credit so I will try elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Genesis Lending
State: NY
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:
ON XX/XX/2020, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND GENESIS/XXXX  ADDEDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX  XXXX  AND XXXX XXXX. UPON FURTHER INVESTIGATION, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTOR'S/CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT, OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANY PERSON CAN SEND A BILL AND SAY THAT IT BELONGS TO ME. ACCORDING TO THE FCRA, XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS AS A CONSUMER AND I AM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-21
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have tried contacting Syndicated Office Systems without any luck to get proof of my debt and it is still on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: JPMORGAN CHASE & CO.
State: NY
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:
ON XX/XX/2020, XXXX XXXX XXXXXXXXXXXX XXXX, JPMCB CARD SERVICES AND XXXX ADDEDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX, XXXX AND XXXX XXXX. UPON FURTHER INVESTIGATION, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTOR'S/CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT, OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANY PERSON CAN SEND A BILL AND SAY THAT IT BELONGS TO ME. ACCORDING TO THE FCRA, XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS AS A CONSUMER AND I AM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I sent out a letter asking for this company to verify that this was my loan by verifying my signature and they have not done so. This is not my loan nor my account, but yet they claim it is. I have asked twice now that they prove that it is, and they still have not. Instead they sent out a first letter or had another creditor send out a letter stating that they bought the loan then they sent out two letters to me stating that it was my loan. I need help getting them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
As you will see on the attached documentation, I have requested on 3 occasions the documentation to verify the accuracy of the debt that they are requesting me to pay for. The services were cancelled as of XXXX/XXXX/16. However, the statement received has billing showing XX/XX/2016.-XX/XX/2016. It does not state anything but a prior balance and a statement balance. Requesting to verify a debt means that the debt must be verified with accurate backup details, providing statements is not providing satisfactory documentation. I have escalated this issue to the parent organization, as well as the attorney generals office due to the neglectful actions and response received from the CBE Group thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In a recent attempt to finalize re-payment options for my student loan with Navient Solutions, I was told that there was a second loan which had not been accounted for in addition to my current loan that shows a balance of {$2800.00}. When I inquired about this second loan I was told that it was a larger loan with a balance of around {$11000.00} and that I needed to address this XXXX as well or I could be facing possible action and even wage garnishes. I informed the Navient representative that I did not want to accept any unknown loan without seeing paperwork regarding this " new '' account. 

I have been making payments on my account since XXXX, formerly through XXXX XXXX, and since then I have made an estimated {$10000.00} in documented payments throughout the life of the loan. 

I would like to submit a request for hard copies from Navient Solutions , Inc. of any and all paperwork having to do with my current student loan information, as well as any and all paperwork having to do with the second loan in question which shows an estimated balance of roughly {$11000.00}. In addition to that, I would also like to request any and all paperwork regarding any loans that are associated with my social security number ending in XXXX that are currently under their possession as well as any third party agency representing Navient such as XXXX XXXX XXXX , XXXX. or any other company alike. 

I would like to conclude by stating that on XXXX XXXX, XXXX, I provided a power of attorney to appoint XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX to serve as my agent in an attempt to collect this information from Navient. Since then nothing has been sent by Navient to them or to myself. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Hello Sir, XXXX XXXX XXXX XXXX XXXX has a checking account # XXXX XXXX XXXX at Bank of America ,XXXX XXXX, CA XXXX. 
The fraudulent transaction took place from XXXX XXXX XXXX to XXXX XXXX XXXX and {$28000.00} was withdrawn by XXXX XXXX XXXX electronically thru XXXX XXXX XXXX in XXXX, Maine XXXX. 
A series of unauthorized withdrawals were made in amounts of {$1000.00} to XXXX. I, XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, am a secretary of XXXX XXXX XXXX XXXX XXXX. 

I was suffering from XXXX in XXXX of XXXX and was not able to monitor the monthly statements. 
In XXXX of XXXX we discovered that {$28000.00} was missing. We have written and called Bank of America and XXXX XXXX XXXX several times with no result. We talked to XXXX at XXXX XXXX XXXX at ( XXXX ) XXXX several times in XXXX and XXXX XXXX, but except for XXXX time he will not talk to us anymore. 

The details of XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX is as follow : Social Security # XXXXDriver License : XXXX Maine , date issued : XXXX XXXX expiration date : XXXX/XXXX/XXXXBirthdate : XXXX/XXXX/XXXXMother 's maiden name : XXXXAddress : XXXX XXXX XXXX, XXXX, XXXX XXXXEmail address : XXXXXXXXXXXX # for XXXX XXXX XXXX : XXXX Charitable Organization has been cheated and was scammed. I do n't know if XXXX XXXX has done the same thing to other accounts. Please check if XXXX XXXX XXXX and XXXX XXXX XXXX of Maine have defrauded other bank accounts in this manner. Please help us to recover our money and punish the guilty. Our address and phone number are as follows : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX home ( XXXX ) XXXX cellWe will provide you with any paper we have. 
Thank you. 
Sincerely. 
XXXX XXXX XXXX

Company public response: Company 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: NY
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 have had my private student loan through XXXX and then navient. They would constantly call my house and my grandfathers house stating I was delequent on loans even though when you talked to them they looked at your account they seen it was current. Also have only a XXXX loan the interest is so high that i have paid almost {$200.00} a month for 5 years and still none of the principle has decresed. I also have federal loans im paying i cant afford a this payment that does not do anything but pay interest to this company. I can not build a life like this im XXXX and still have nothing to my name because of this. This company been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I currently have two active cash-advance promos on the XXXX MasterCard issued by Bank of America ; {$15000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX and {$14000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX. It is my desire to pay both promos off before their due dates to avoid interest. I contacted BofA on XX/XX/XXXX to check how a recent payment was allocated -- the payment was substantially above the minimum payment required. Much to my surprise, I was told that my payment had been applied the promo that expires on XX/XX/XXXX. I then asked the representative to re-allocate the payment to the promo that was expiring on XX/XX/XXXX. This is where things went downhill. 

The Customer Service manager I spoke with indicated that the law was very specific that banks had to allocate payments to the promo that had been on the books the longest, even if that promo does n't mature first. Most likely in 90 % of the cases, this payment allocation logic makes sense -- promos that were booked first would mature first. HOWEVER, when you offer promos of varying lengths ( as BofA does ), the potential exists for an " older '' promo to mature after a promo that was booked later. That is the position I find myself in. 

After reading the Payments section of the Card Act, I find what the manager told me regarding payment allocation to simply be untrue. The payments section was very specific regarding applying payments to the highest APR balances first and then to promos within two months of their expiration. Nowhere did I see that a bank was required to paydown the oldest promo balance first. Additionally, section 1026.53.b.1 ( ii ) of the Card Act provides for the card issuer to reallocate any amount above the min pay among the balances on the account in the manner requested by the consumer. 

Given this, I 'm not sure if this is a technical issue for BofA or if the capability exists but the customer service staff simply is n't aware. Either way, the way that I 'm being forced to have my payments allocated is harming me as a consumer by essentially robbing me of three months ( XXXX ) to pay down the promo that expires in XX/XX/XXXX and I am not at all happy about it. Additionally, I ca n't be the only consumer in this situation so I 'm sure that there are other BofA customers being harmed by their unfair practices.

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 2016-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I terminated payroll service with Bank of America XXXX last year. This year they started changing my credit card again for the service which I am not using. I send them emails but they are unresponsive.

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 2015-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I received a notice form Bank of America stating that my mortagage would be increasing from XXXX to XXXX. There was an increase {$4.00} due to a tax increase. The remainder of the increase is stated as a shortage payment of XXXX per month and a reserve requirement of XXXX. When I called and asked why my payment was increasing, I was told there was a shortage in a reimbursement from changing insurance companies. I did change in XXXX of last year. I had to file a complaint against XXXX in order to receive my escrow payment back from them. I sent the escrow payment ( myslef ) to BOA. Which they received in XXXX. Since then I have been receiving paperwork from BAO regarding my house payment being late and advising that I file for bankruptcy ( Case number : XXXX ). Now this. BOA can not give me a succinct reason why my payment is increasing. They paid extra money to the insurance company because the received a request for payment ( they paid a total of {$1800.00}, but they ca n't state why. My insurance is XXXX per year. Then they sent me a refund of {$290.00} which I said I did not want and they said I had to cash the check. Now they say my escrow is negative Just that I have to pay the increased amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i am getting calls at work, cell, home, and they are also calling my wife, brother, mom, dad multiple times a day.

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