BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America, Bankruptcy Dept. referred my mortgage to nationstar XXXX XXXX. BOA told me I was in good standing and they did not see where I had missed 8 months of payments. XXXX credit report shows all payments have posted on time. XXXX send a letter saying I was 8 months behind in my countrywide mortgage paid to Bank of America. 
My primary mortgage shows no history on my XXXX credit report and the XXXX credit report. I have spoke to XXXX on XXXX XXXX XXXX, and she stated a check from the trustee came in on XXXX XXXX and it was sent back to the trustee since my loan was sent to XXXX. 
I need for XXXX to get good data showing my mortgage payments. I have bank statements and all months were paid XXXX through XXXX XXXX when the loan transferred to XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Mortgage XXXX is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is in response to my original complaint case # XXXX submitted on XXXX/XXXX/15. On XXXX/XXXX/15 XXXX XXXX from Wells Fargo left me a voice mail message on my cell phone letting me know that he is working on my case. My wife called XXXX XXXX back on XXXX/XXXX/15 providing her contact details if any additional information is needed for this complaint. XXXX XXXX never called my wife back. On XXXX/XXXX/15 XXXX XXXX left me another voicemail message stating that he needs additional time to research this issue. He stated he anticipated it would take no longer than XXXX/XXXX/15. On XXXX/XXXX/15 I also received an email from the CFPB stating that Wells Fargo has responded to the inquiry. I checked the update and was not happy as it stated that Wells Fargo has not been able to establish contact with me to discuss the correspondence. Additional time ( XXXX days ) is required to complete the research on this issue. I immediately called XXXX XXXX and left him an extensive voicemail in regards to the issue and that I had asked my wife to call to determine if any additional information was needed. We never heard back from him until he called again stating he needed additional time to research. 
We are creating another complaint as I do not plan on going through the same process with Wells Fargo as I did with the loan modification process. 
Wells Fargo has caused enough damage to my life financially and future possibilities to obtain credit. Additionally, they have put me through enough stress, that the least they can do is handle this situation correctly. 
I have attached a time line document with notes that were taken through out the process, letters and faxes that I sent to Wells Fargo during the loan modification process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This account was paid by me even though I was not provided any proof that I owed the debt and then they placed a statement on my credit file that is not true. " Paying under a partial payment agreement '' This statement is not true. I asked them to provide me the name and address the doctors, the date and type of medical care, and to who the medical care was provided. I also want to know who is providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Also, my insurance company told me they paid the whole amount of the debt. They have violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I first called before my loans were due to be paid. I was seeking information about my repayment options knowing that my payment would likely be more than I could afford. I was told the only way to discuss repayment options is to let my loans be late on the first payment. I verified verbally what the representative was saying to ensure I was not misunderstanding. I then called back after my payment was late and was told that the only option I would have is forbearance. When I asked how that worked I was told I would pay {$150.00} and then I would be in forbearance for 12 months which would allow me time to save for my payments once they started again. I called back to make the {$150.00} payment in XXXX and was told I needed to not pay the loan that my co-signer is on with me so that it could be included in the forbearance. I asked if I did n't pay the loan with my co-signer on it if they would then be contacting him. They advised they would not. Th4ey contacted him anyways. I then called today to do forbearance and was told that it will only bring my account currant and that I am expected to make my full payment amount in XXXX. The only other option I was provided was that I could extend my loan from 15 to 30 years and pay {$200.00} less a month. My current payment amount for my private loans is over {$1300.00} a month so {$200.00} less was n't going to help much and it would extend my loan to two times as long and they would get two times the interest. Every time I call I get a different answer and no one can explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
In XX/XX/XXXX, I spoke with a representative at Navient and explained to them that I needed to put my payments on hold because my husband had been XXXX and therefore my income was the only meand of finances we had for a family of XXXX. I was told by Navient that my payments would be deferred for 1 year. However, in XX/XX/XXXX, I received an email stating my payment was due on XX/XX/XXXX. I called and spoke with another rep to find out why because I was previously told that I did n't have to make a payment for 12 months. I was then told that I was only given a 3 month forebarence and I could apply for repayment options to lower my payments based on my income. This made no sense being that my payments were already based on my income. I needed to defer making payments because I am now down to one household income with my husband not being able to return to work and I am now the only means of income for my family. I tried applying for another forbarence online, but Navient denied me because I work full time. Before I can be approved for deferment, I have to submit my XX/XX/XXXX taxes, check stub, and a letter from my employer. I am highly upset at the misinformation I received and the lack of assistance from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a notice from Bank of America : " On XXXX XXXX, your checking account will change to a Bank of America Advantage with Tiered Interest Checking account ''. 

In the new account monthly maintenance fees can be avoided by : " Keep an average daily balance of {$5000.00} or more in your checking or linked Regular savings account '' BUT when I inquired to Bank of America where on their website or statement the average daily balance was shown, I was told that this information was not available, but I could calculate it. 

My complaint is that Bank of America has created a criteria to avoid a fee but does not make the information available to the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have had my student loans through XXXX and now Navient since 2006! My loans have collected interest over time at an alarming rate, due to my inability to pay them, despite several attempts to get on some sort of affordable payment plan. Despite my attempts at paying something affordable, I have never been told my options for affordable repayment. Navient/XXXX has harassed me by repeatedly making phone calls to me regarding my loans, repeated phone calls daily to my cell phone during working hours, calling relatives, even going as far as to contact my brother 's wife 's mother- whom I do n't even have her phone number!!! Navient told her information about my account being past due and even continued to call after being asked to stop. I have no idea how they obtained her phone number! I have asked repeatedly for help on these loans but am only given the option of forbearance, or told if I wanted to get on a repayment plan I had to pay over {$1000.00} right away in order to do so! I have also been forced to pay the. " Right away '' in order to get my into forbearance. They have also asked if I wished to place my accounts into forbearance through automated text messaging, without first validating any personal information about me or my account. This company has prevented me to ability to purchase a home for my family, leaving the XXXX of us stuck in a XXXX bedroom apartment. I am sick of the unprofessionalism, the impossibility to be able to ever pay back these loans, the unwillingness to work with me to lower payments and the constant harrassment!!!! I will likely never own my own home just because I wanted to get an education and have been lied to and coerced and mislead by a company I had trusted with what is now {$80000.00} of debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Case number : XXXX Please note that I DO dispute the Bank of America response. The bank had no earthly interest in resolving the problem. With appalling inefficiency they asked the same questions time and time again and made me fax, email and send duplicate documents on a continual basis. This has gone on for many months even though they well knew that they would offer no relief. Their customer relationship managers insisted on making calls even though they well know that they had nothing to offer. They did this just to show that they were in contact. Bank of America refused the simplest request which was to change the due date from the first of the month to the XXXX of the month, the reason being that I receive my social security payment the XXXX Wednesday of each month. When I complained and explain that their idiotic requests were impacted on the health of an aged person they paid not attention and continued their harassment. Hopefully the government can take appropriate action against banks that take advantage of the consumer. If the bank would have told me immediately that they could not give relief I would have accepted their decision.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-07-21
Company: Seattle Service Bureau, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
There 's a collection agency called National Service Bureau , Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wa XXXX which is claiming {$20000.00} for a car accident that I had 3 years ago. The insurance company claiming the money is XXXX XXXX, XXXX # XXXX. Until this moment, I 've never received a letter or anything from this people claiming this money. The are saying they will suspend my driver license or/and vechicle tag if I do n't pay. Of course, I do n't have this kind of money. A year ago, my insurance paid for this accident already. My insurance company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Bank Of America. 
There was fraudulent activity on my business checking account, via card number. 
I submited a claim, and after speaking with their customer service, they could not do anything immediately and wanted to sent me paperwork to dispute the charges, within XXXX business days. Unacceptable. I was forced to request a manager who could - in fact - reverse the charges that were processing, and he reassured me that when the charges actually post to the account - there would be AUTOMATIC adjustments applied to take care of the balance. I would not be negative again. 
The next day, the {$850.00} charge posted, and of course, there was no adjustment, PLUS an overdraft fee for this charge. 
I called Bank of America again ( on the XXXX of XXXX - ironically ) and their business checking and claims department were closed, and literally no one - not XXXX person I tried to contact within my XXXX hour phone call ( plus the hours I spent the day prior disputing charges and going to my local branch to get my replacement temp card ) - NO ONE could tell me anything regarding my account, because they did not have access. They could not tell me the person 's name whom I spoke with the day prior, they could not even tell me my balance, let alone what was happening with my account, because they had zero access!!! On the XXXX, Bank of America could not help me. 
This is the second time in XXXX weeks my card information had been compromised. 
I do not allow other persons to use my card, and I am very concerned about the security policies here at this bank, plus - the customer service for its business banking customers. Being overdrawn almost {$900.00} and not being able to speak to anyone about it is extremely disconcerting, and I will be pulling my money from this bank and closing my accounts immediately. I am outraged at the service I received. 
The banking associate at my local branch issued me a temp card - which began with the same XXXX digits as my last replacement - and had the same expiration year. Why would a bank issue cards with matching numbers? Is n't this making it easier for fraud? 
Why was I asked to fill out paperwork regarding charges that were clearly not mine? 
Why was I alerted by my bank about the charges - but charges were made thereafter? 
Why could I not speak to anyone regarding my account, on a holiday? So what? There are n't XXXX people in the world that are working today on behalf of their business consumers? 
As a new business, a situation like this could be crippling. I have thousands of dollars that I need to deposit to continue functioning as a business - but I can not trust my bank and I am forced to switch banks, which will not be an easy change, I can only assume.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CITIBANK, N.A.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
one main finance company has continue to call my jovb, have automated calls come through more than XXXX times a aday, leave messages on work answering machine, calling my contacts harrassing them, ask not to call job several times

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been with Citimortage since XX/XX/XXXX when I refinanced with them from XXXX for a fixed rate. After dealing with them with their loan modification for only four years instead of the one I wanted provided by the Obama administration. After going back to my original fixed and reapplying for another loan modification which they rejected saying I did n't qualify even showing what have after I have after paying bills and mortgage is barely enough to live month to month. After giving them a bad rating on the phone when they called me in XX/XX/XXXX. They sent me a letter last month telling that they sold my mortgage to XXXX XXXX. Here it is XX/XX/XXXX and I 'm not able to enter the account number to login in to make payments online like I did with Citi every month on time due to Citi have transfer my account information to them after XX/XX/XXXX and it will take 10 business day or maybe 60 days? I call XXXX regarding if they got my account info in their systems yet. They telling me about waiting for Citi to transfer my account and apologizing for the inconvenience and hitting me about fees for making payments over the phone and online and XXXX about my XX/XX/XXXX payment which Citi already received on time from my bank account on time. I feel that Citi sold my mortgage because I was unsatisfied with their customer service history and felt they did not want to deal with serving my mortgage in Missouri when they had to deal with the settlement their XX/XX/XXXX lawsuit with the federal government last year and they selling off mortgages to others so they do n't have to deal with refinancing them as they possible the government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a credit card at a Wells Fargo branch. After several minutes I was turned down. Quite surprised and embarrassed because I know my FICO score is XXXX. I waited for the letter of explanation and it said " we are unable to offer you a credit card for the following reasons-Repossession on credit report ( property taken back due to non-payment ) ''. I know this had to be a mistake and became immediately concerned. I called Wells Fargo and they told me to pull my free credit report from XXXX. I did & the report is perfect. Spoke to an XXXX rep who confirmed this and said there is nothing on the report that would cause credit to be denied. I called Wells back and they said XXXX XXXX XXXX reported it. I then called XXXX and they said I 've been a perfect customer for 15 years and they reported nothing negative. So now it 's XXXX negatives from XXXX & XXXX negatives from XXXX XXXX. I call Wells back with this information and now they say " you returned a leased car early '' which I did under a special program offered by XXXX. Wells Fargo for some inexplicable reason considers that as a " repossession for non payment '' and automatically denies the application. At least I now know my credit is still perfect and it 's Wells Fargo 's application review process that 's defective. Certainly an aggravating experience over the last week.

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 2015-07-10
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
I noticed on my credit report that the bureau XXXX is reporting that Ive been late towards my Macy 's credit card numerous times. XX/XX/XXXX, I spoke to a representative in the Macy 's credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citbank Citigold bank account, I was to received XXXX XXXX miles for opening account. In XX/XX/XXXX, citibank confirmed I qualified and completed the terms of the promotion and miles would post by XXXX XXXX. Miles have not posted and CitiBank is refusing to honor the promotion.

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 2016-06-23
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with XXXX in XXXX XXXX. The checking account had a promotion that if I met certain requirements I would receive XXXX XXXX miles. In XXXX XXXX I met those requirements. I inquired about the bonus and they told me it should post within 90 days of meeting the requirements. After 90 days I had still seen or heard nothing. I called Citigold the XX/XX/XXXX to inquire. They told me the points should post by the end of XXXX. On XXXX XXXX, I called to inquire and was told a formal investigation needed to be filed since the points had not been deposited to my account and that they should 've done that during my first call in XXXX. Almost a month later, I called today and the investigation is still pending ( it can take up to 120 days ) and they can give me no further information. XXXX has confirmed with me every step of the way that I have done everything I need to. Since the 90 day window of meeting the requirements has passed, they have charged me XXXX {$30.00} account service fees. They have objected to refunding my account fees and will continue to charge me until this issue is resolved.

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 2015-07-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Unable to get an explanation out of Equifax Information Service. They say I put a freeze on my credit report which I did n't do? They wo n't say when or how I place it, but to remove to forward updated information that I did.

Company response to consumer: Closed with explanation