BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sent me this FRAUDULENT DOCUMENT : IRS form XXXX for XXXX. 
How do I know if is fraudulent? It is because Bank of America has not held my primary mortgage loan since XXXX XXXX, XXXX. 
See letters attached from BofA dated XXXX, XXXX, and from XXXX dated XXXX/XXXX/XXXX I never received any money from BofA, or any correspondence from them ever. I never was awarded any loan modification. I was never paid any refund or credit, nor notified of any overpayment of interest. 
The outstanding principal information on the form is not correct as recorded. 
I had applied to the Bank of America on XXXX XXXX, XXXX for mortgage assistance on loan # XXXX ... .. due to financial hardship. Instead of replying to my application, without warning, they sold my loan. 
On XXXX/XXXX/XXXX I called I called, four times, the customer service number on the letter XXXX and got the following explanations and responses : This amount was from a loan modification ( I responded " I did not get any loan modification '' ) The amount was missed on the XXXX tax statement ( my loan was sold in XXXX XXXX ) The amount reflected overpaid interest in XXXX The amount was missed on the XXXX tax statement XXXX received overpay It is a write off on taxes I requested that they send me XXXX and XXXX tax records I was transferred to the YEAR END DEPARTMENT ( XXXX ) in order to get an explanation on the tax form. I was told the following : something was mentioned about a " post modification bank '' I questioned what this was and was told it was about my loan modification I told them that I never got a loan modification and that my loan was sold XXXX XXXX. 
The person I spoke with said it was to my benefit, and was all good. And, that I just have to give the form to my accountant. 
I questioned this as the form represents income I never received. 
I went to the IRS website to research the form XXXX and saw that it represented a payment or credit. 
I made my FOURTH call to customer service and I talked to someone named XXXX who reviewed my earlier calls. She set up an inquiry and gave me a case number

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 2016-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Ten years ago my father died. I responded to all of the never ending paperwork requests from BOA and submitted everything they ask to receive in order to remove him from my mother 's bank accounts. This week they send condolences on his passing. They want me to start submitting everything all over again, because they never removed his name from the account. I told them that they did. All of the statements now only have my mother 's name on them. They still want the documents. They want everything resubmitted because ten years ago they were not centralized Their inefficiencies are not my problem. They should adjust their records, which they refuse to do unless I go back and find the same documents that they already have from ten years ago. I have to say I was so upset I finally hung up on them.

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:
I was offered back in XXXX a 4.0 % rate refinace by Bank of America, I got the paperwork to signed and the rate was fine at 4.0 % ; after a few weeks they raise the rate to XXXX without telling me. I called them and they said they had made a mistake and now rate had change to XXXX and there was nothing they can do, and that if wanted the loan it was going to be XXXX. I do not think that is correctm

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Pioneer Recovery ( A Navient Co. ) employee, XXXX XXXX XXXX, called our neighbors this morning and left them a written massages with the collection case # s and info of our unpaid college plus loans we took out XX/XX/2000, asking them to hand the message over to us physically by my neighbors. 
So, what kind of harassment are they trying to humiliate us in our neighborhood? 
I 've visited Pioneer Recovery web site boasting as a leading provider of collection service with 13 yrs. of wealth of experience in non-tax government collections. Does this mean they are acting on behalf of our XXXX government? ... 
My husband just XXXX at the age of XXXX as a XXXX and I am a XXXX by training, still working as a self-employed XXXX with my husband 's help. We never had any vacations in our 38 yrs. of marriage life and continuously worked XXXX in XXXX market. 
Our home has been on the market in last 11 months and still have n't found a buyer. We 're trying hard to manage the situation with dignity on our part but our options are limited. 
What would Pioneer Recovery do next pursuing their collection attempt, are they going to contact our bank and take our house away? ... Thank you for letting us to write this complain, we do n't know where to turn to.

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 2017-01-19
Company: Navient Solutions, LLC.
State: CA
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 been making my monthly payments and the beginning of this year the payment has almost doubled. I have other loans and tried explaining that to Navient. I am a single mother of a XXXX year old so well im at work I pay for him to be at daycare not including bills which I explained to the Representive at Navient. The man took all my info and said yes your in the negative with your income and bills if I have to pay what they were asking. He said there was nothing he could do but would transfer me that it was out of his hands. I was transferred and the person did the same thing she took my info and this time asked to speak to my co signer. Well my co signer is now unemployed and my income has not changed yet there was nothing they could do for me. I do n't want to default I just want something reasonable. I understand I have to pay back. When I got these loans I was told that they would work with me. I did n't even get a job with what I went to school for I am just asking for them to be lowered. Navient does not work with you or try and understand. I am a person who is willing to make payments and not default yet they can not accommodate or be reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe the ticket was paid back when it was due. Now 20 years later I get a notice that I must pay this ticket. When I call the collection agency, they tell me to send it to them in writing. Then they send me a letter telling me to prove it. When I call back to explain that I have denied owing this bill ( ticket ) they will not let me talk becuase Their script is important, I again state that I do not owe this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
To Whom It May Concern : For over a year and a half, I have been working diligently with Bank Of America XXXX BOA ) on the unscrupulous actions carried out by Countrywide to entice, induce and / or assist a borrower in taking a modified mortgage that carries a high interest rate. A five year loan modification created by Countrywide was inherited by BOA when the modification ended in XX/XX/XXXX. The modification papers were signed in XX/XX/XXXX when the loan was backed by XXXX. In the five year period the modification was in existence, the loan was sold to a private investor. Refinancing and any type of modification has been denied by the investor through the lender, BOA.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been on hold for 1.5 hours trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: Waterfall Revenue Group
State: NY
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:
Copied and past emails to Word document as per XXXX XXXX. I was unable to upload from email. 

I am filing this complaint against XXXX andA-1 COLLECTIONS SVC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX. 

This company has place a negative report on my credit report after I tried and sent letters stating that this account does not belong to me. I will attach emails of what had taken place. I explained to them even while I was in the hospital and as they kept calling my cell phone that I was not responsible for the debt and they need a better way to help the consumer on their website. I never signed or agreed to pay for an instrument after I did a XXXX time credit card payment. I gave the billing and shipping address and other information went to the other party as agreed. I immediately explained that I made a XXXX time payment. After the payment several emails came to me and I responded that it should go to the other party giving them his email address, phone number and mailing address and the party that is responsible did so as well. He also spoke to them and he said to this day, they never sent him a bill. They contact him XXXX time and stated they will mail him a bill, that never happened. They continued to harass me in the hospital as well as while I was in recovery from surgery. My health aid would answer the phone and give them the other party name and number. I ask that they remove the negative credit collection from my report, and make their payment and contract methods better and not be so misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX Bank of America # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/16 with Bank of America. XXXX of the homeowners is XXXX XXXX military. It was only sent to the XXXX department towards the end of XXXX. WHY? Why did Bank of America wait so long to place this loan in the correct department? 

In addition, Bank of America has told us that they will foreclose on an XXXX XXXX service member XXXX. They claimed they could not postpone the foreclosure sale date without a short sale approval. I spoke again with XXXX XXXX today, told him that this is an XXXX XXXX service member and it would be an SCRA violation to foreclose on this property. He said he could do nothing except tell the negotiator assigned, XXXX XXXX. 

Since when is a lender allowed to foreclose on an XXXX XXXX service member XXXX?? 

Thirdly, we are not able to contact the negotiator directly. The information given in equator is invalid, and we have no way of reaching them by phone.

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 2016-03-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to XXXX XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
We purchase the XX/XX/XXXX XXXX XXXX last year in XX/XX/XXXX. The vehicle did not have the warranty so we brought a extended warranty. There have been several recalls on this vehicle. I ask them can we trade the vehicle and get something else which can even out the difference. They told me that I could purchase another vehicle and they said I would get another car so they appraise it and they assure me that I would not have put anything down. Then the next day they told me that I had to come up with some money, but you told me that I did not since you had all of these rebates. I feel this is bad business practice and that they knew this XXXX XXXX had no warranty but yet it was out on the parking lot for sale. We only had this vehicle for a year and put XXXX down as they down payment and it still has had 2 recalls within the past year. Also I want to add this we purchase the vehicle at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ten XXXX phone number is XXXX. The website is XXXX. This company is not providing the needs of the customer if the product is defective. I will have to wait several days in order for them to find out what is wrong with my vehicle but what is the vehicle breaks down ... I have to call them to find out if they have availability, yet the vehicle runs like a piece of 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 2016-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In brief I believe that I have been a victim of predatory lending practices, relative to my mortgage loan and attempts to refinance my mortgage loan so that I can keep my house, by the following : Bank of America XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 've been paying of my Navient Parent Student loan and my account was put in forebearance without me requesting it. After looking at account and noticing that pretty much every payment 's interest gobbled up the entire amount ( XXXX interest-XXXX on principal ). I know the account accrues interest and at this rate I will never pay this loan off. What steps can I take to get the loan payoff moving in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Navient Solutions, LLC.
State: WV
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:
Improper student loan collection : breach of contract ; fraudulent, deceptive and misleading representations in debt collection ; collection by unfair and unconscionable means ; and fraud. Navient " redisclosed '' and " realigned '' the terms of the consolidated student loan repayment to increase the monthly payment amount after about 14 years of timely payments. No previous payment was ever late, and nearly all monthly payments were for more than the minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I get phone calls at home and on my cell as well as my wife 's cell sometimes hourly. I asked them to stop. They then call from another phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a charge that was charged my card as an authorization by XXXX and when i stayed at hotel as told it would drop off and decided to pay in increments for hotel stay ( {$330.00}, {$160.00}, {$890.00} ) as i did n't know how long we would be staying for whole reservation as home was n't ready to move in so we changed our reservation. After checking out i noticed my XXXX XXXX credit card had a charge for the full amount of {$1300.00} and authorization never dropped off. When this happened i contacted bank of america and dispute these and filed a claim for these duplicate charges. XXXX out of the XXXX charges were credit back as permanent credit ( {$330.00} & {$160.00} ). The XXXX was still not credited back after going back and forth with bank trying to get this resolved. The bank made errors when resubmitting and caused delays and issues with claim which was their error. In XXXX i received claim response from merchant and then was allowed to submit rebuttal for claim which i did and faxed back to bank for all XXXX amounts. How can they process XXXX but not the XXXX correctly when there all a part of same amount. They stated it was past time frame. when clearly i responded immediately when they requested along with others they gave me credit back for so it was not past time frame. I then called back in XXXX to resubmit the {$890.00} for the XXXX time. I even specified there was a XXXX XXXX statement on file showing the charge was made on another card and was never refunded. I never received any notiice of result of claim or response since XXXX. I did however receive a response for the {$160.00} amount which they stated was a permanent credit. I called the bank on XXXX to check status again. and once again they submitted claim incorrectly, did n't notify me whatsoever of any result or update or phone call for that matter. My account got closed for the - {$500.00} amount that resulted from that charge when they reversed the temp credit prior to getting my rebuttal and proof of duplicate charge. They were notified, provided every document from me and makes no sense how XXXX transactions for the same thing same stay at hotel and same charge on my XXXX XXXX can be refunded for XXXX but not the XXXX when there all the same issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been trying to dispute the total loan amount that I am being charged for several years. Some of the loans that are lumped in under my consolidation were made during years I was not even in school as well as years that I had already graduated from college. I received an itemized statement from my last servicer, however, then I was switched to a new servicer and they refuse to assist saying that they only can use what they were given by the previous servicer. I have asked for proof of my promissory notes for these loans and none have been provided. I have been experiencing this issue for over ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
saw I C SYSTEM INC on my credit report called I C SYSTEM INC and asked them to provide documents what is charge is all about, asked them to provide me with letter of disputed and include additional supported documents based on {$700.00} collection they put on me. Costumer rep was rude, did not want to provide anything. I assume they do not have anything to support the claim

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 2016-10-31
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I co-signed a loan with my grandson for a college loan through XXXX XXXX. The original amount was XXXX. No payment was made on the loan until XXXX XXXX. XXXX when a cashier 's check for XXXX was sent to XXXX XXXX as payment in full. It was signed for in their mailroom and was deposited on XXXX XXXX. The deposit stamp on the back said " deposit to XXXX XXXX XXXX, XXXX XXXX, Account # XXXX. A copy of that check was sent to XXXX XXXX by XXXX on XXXX XXXX, XXXX and signed for by XXXX XXXX at XXXX XXXX Mail room. When I talked to XXXX XXXX about this their answer was " that 's not our account number ''. It 's stamped XXXX XXXX XXXX so??????????????????

Company response to consumer: Closed with explanation