BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-10
Company: Navient Solutions, LLC.
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:
Sometime between XX/XX/XXXX and XX/XX/XXXX I asked for a lower monthly payment, as I was suffering financial hardship. I was given six months forbearance instead. Now, on XX/XX/XXXX, I again asked for a lower monthly payment. On XX/XX/XXXX, I received an e-mail from Navient with a document stating that I had been granted 2 months forbearance, but had been denied the lower monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Affiliated Creditors, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Agent did not give mini-Miranda after asking who I was but continued to try to collect a debt anyway. I mailed in the payment once I received the letter. The payment due on the letter was {$47.00} which I gave my debit card to use. They ran the charge for {$51.00} and caused an overdraft in my checking account. If there was a service charge for using a debit card, it was not clear on the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
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:
Navient purchased my student loans from XXXX on XX/XX/2016 ( according to them via phone today at XXXX ). I received correspondence from Navient in XXXX regarding this change & called them to remit my payment. Not only did I make my XXXX payment on time ( prior to XX/XX/XXXX ) but I also paid XXXX during this same initial phone call. Today, I receive a letter from Navient advising that my account is past due since I did n't make my XXXX payment. I immediately call in and the representative tells me I never paid XXXX. I candidly went through the timeline with her ( XXXX Agent # XXXX ) and had her confirm that it is impossible for Navient to imply they notified me in XXXX to send my XX/XX/XXXX payment to them since they actually acquired my loan on XX/XX/XXXX. She verified that I had in fact called in XXXX and made 2 payments immediately. I explained that I did this proactively since the initial rep explained that I would need to set up an online account with Navient for future payments. Since I had never used their system, I went ahead and made the XXXX payment to avoid any issues. I am most upset at the deceptive practice of reporting my account late to the credit bureaus when in fact I contacted Navient and remitted payment not only for XXXX but also XXXX. I think it is also important to note that for the entire time XXXX held my account, I was only late once when I was in between jobs. Other than that, I always paid in advance of my due date. I do n't know the laws regarding account acquisition but I would have to imagine there is some sort of grace period put in place to allow for the transition of accounts. This absolutely ridiculous to me that my account is being reflected as negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central Financial Control has reported and continues to report information to the Credit agencies that they know is inaccurate and false information. I have contact them several times in writing as well as numerous phone call over the past year. I have sent then CERTIFIED MAILINGS with copies of the CANCELLED check as PAYMENT IN FULL as well as bank copies of the processed check as payment. ( Please see attached uploaded documents ) There are RUINING MY CREDIT RATING!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has repeatedly engaged in unfair, poor, and deceptive practices. 

During the time when XXXX was assigned as the Customer Relationship Manager ( CRM ) /dedicated single point of contact ( SPOC ) between XX/XX/2013 and XX/XX/2013, Bank of America committed multiple acts of fraud by misrepresentation and omission. Specifically, XXXX issued multiple MHA HAMP denial letters on appeal contradicting the XX/XX/2013 Appeal Report. 

It appears whenever the Appeals Department issued an update regarding the appeal review indicating more time is needed before a determination can be issued, XXXX would issue a MHA HAMP denial letter representing to me l had been denied MHA HAMP on appeal. A classic tit-for-tat move designed to mislead and deceive. 

XXXX, as the SPOC, is prohibited from conducting appeal reviews on this account. Furthermore, it is not the duty or responsibility of the SPOC to issue determinations on appeal. 

Also previously mentioned resolutions are desired and mandatory.

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 2015-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America has charged me numerous XXXX fees due to my account being overdrawn. I was never alerted about the overdraft even though I have signed up for text and email alerts concerning my account.

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 2015-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I transferred {$5000.00} to XXXX of which banks with XXXX XXXX. I was charged a {$25.00} wire fee from my bank for the transfer. However, the trade station employee sent me an email stating, " If the bank charges you a fee for the wire, let me know and we will credit that amount back to your account. '' This has not been done and I am now wanting to cancel my account with them after two weeks. In addition, I now come to find out they are going to minus {$25.00} from my account to send me a wire back to my bank. There 's no such policy in writing stating that this is the only option to get my money back. It gives me an option on their website stating you can " Wire Transfer, {$25.00} '' or " Request a Check, Free, '' but they will not send out a free check, because their " Internal Policy. '' This is illegal. I spoke to " XXXX '' the supervisor and he stated, my concern is not written publicly anywhere, but that they will not give me back my money I sent them -- in full. I am requesting a check which is free for them to send and they will not send me one, because of " internal policy rules. '' I want my money in full, and I want it now ; so they need to figure out how that can be done. I also want the {$25.00} ( of which is in writing ) credited back to my account and a check or wire for the amount of {$5000.00}. There 's no written public information to justify what they are saying. They are only willing to send me {$4900.00} back of my {$5000.00} I sent them and there 's no way around this unlawful practice. What they are stating is not in any contract I signed or a public policy. When I informed XXXX that this is not stated anywhere he said, " yes it does n't say that anywhere, but it 's in our internal policy. '' Does this mean that everyone can have some internal policy that rips off the client and that 's justifiable? My next action is to charge them interest on my money for how long it takes for them to get my money back to me, because I would be making interest on my money through my bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OR
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 keep seeing different amounts that I supposedly owe on my credit report. I 'm also concerned about the fact that I see the loans reported multiple times on my credit report. I also have no clue who to contact because Navient and Pioneer both are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: Receivable Solutions Specialist, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection of medical services I never received or agreed to or otherwise. I have called the agency reported on my credit file multiple times in good faith offering my telephone number and requesting they return my call in order to clear up the issue not a single call has ever been returned. 

Fileing disputes with the credit agencies has not gotten very far the collections have been removed from XXXX but not from XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I started the process of a loan modification. I was assigned a Case Mgr to ensure that all documents were signed and received in a timely manner. In XXXX XXXX, I was advised that the modification was declined and they stated that " They could not prove my residency ''. I was very confused as to why they declined for the reason, so I sent a letter providing proof of my residency, 6 months of bank statements etc. So the process for the loan modification started over again or so I thought. Bank Of America has stopped responding to me, I 've submitted letters ( I have proof of the letter ) and I have also contacted the investor HUD to ask for assistance. We are not getting anywhere at all. I really need HELP. My husband is a XXXX American Veteran we really need help. Bank of America 's connection history is not great .. I really need help. Apparently Bank Of America realized that bank in XXXX they made an error in recording my previous modification with my county recorders office and Bank of America has placed a stop to my modification process because due to their error. I do n't feel its fair to me because they made a mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Over the past few years I have attempted to get a credit increase from Bank of America - I started with the card back in XXXX as a secured {$300.00} card which after 2 years was released from the security deposit. I have incurred a number of inquiries over the years from just BOFA - I ca n't get anyone to actually look at my account. I keep getting stellar credit reference letters but no one will look at my history with BOFA rather they keep pulling Credit Reports. I am not telling BOFA how to manage their business - it 's obviously an internal decision on their part - but I can not seem to reason with a human being to actually " review '' my account - always results in a hard pull which I can not afford anymore. My other credit card issuers have no issues giving more credit limit and at this point I do n't understand why I even bank at BofA anymore - they do not do anything for me - I 've been a customer since XXXX and I get nothing. I 'm at the point where I will most likely close out all my accounts and bank with a company that actually values my business - I ca n't even rent a car with a {$300.00} credit limit.

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 2015-11-23
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 was charged {$140.00} in overdraft fees on four transactions on XXXX XXXX, 2015 by Bank of America. I had {$53.00} in savings account linked to overdraft protection. The transactions came in the following order {$350.00} first, {$25.00} second, {$25.00} third, {$2.00} fourth. Money from savings account did not apply to XXXX transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Incorrect negative report by Bank of America on XXXX and XXXX I was recently informed of negative information reported by Bank of America included in the file XXXX and XXXX maintains under my Social Security number. This amount is the result of numerous attempts made to Bank of America to remove pre-authorized payments on my account. I maintain records of all these communications to the banking representative at the branch in XXXX, CA which were unanswered. These numerous contact attempts and requests for action by me as the account holder were neither answered or acted upon. As a result, the lack of communications and customer service caused service charges which I was attempting to avoid. Eventually, I had no choice but to close the account to avoid further arrears. Despite further contact with the branch in XXXX, asking to resolve these service fees, nothing was done. After my account was closed, Bank of America never contacted me as to the status of resolving the fees charged to my account from XXXX 2015 till approximately XXXX 2015. To the best of my knowledge, I never received a bill or statement from Bank of America informing me that an amount was still owed to them. I have sent copies of all communications by email documenting these attempts to talk to my account manager to dispute the information on my records that suggests I did not communicate at all. 

Please validate this information with Bank of America and provide me with copies of any documentation associated with this " amount owing '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record maintain under my Social Security number and provide an updated report from XXXX and XXXX. I also request that any amounts owing be reviewed and recalculated if warranted. I would like to clear up any monies owing.

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 2015-07-30
Company: ORG GC GP Buyer, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collection companies have been calling my phone number for approximately 8 years asking for XXXX XXXX. I am not him, and have repeatedly told them I am not him and have never known the person. The company in question, GC Services, has called me roughly 4 times in the past 2 weeks asking for XXXX XXXX and every time they say they will remove my number. I am sick of being called at least once a week by these people when I constantly tell them that XXXX XXXX has not had this number for at least 8 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am the successor trustee for a trust account opened at Bank of America, branch located at XXXX. - XXXX, FL XXXX. 
The original trustee is deceased and I have been trying for over one week to gain rightful access to the account. I did provide a copy of the trust agreement, which designates me as the successor trustee, as well as the death certificate of the original grantor/trustee. However, nobody at the bank seems to understand how to make the proper modifications to the trust account to provide me with access. Time is of the essence and yet phone calls are not promptly returned, and when they are returned, all I get is stalling from the branch manager, XXXX. 
Their delays are causing irreparable harm to the trust. Please investigate and resolve this issue including any applicable penalties for the unjustifiable delaying tactics this bank is using.

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 2016-01-31
Company: Navient Solutions, LLC.
State: VA
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 have been paying my loans by check since Navient refuses to let me open my online account and make payments. I could pay several time a month when money is available for me and get the payments caught up without the harassing phone calls and mis appropriating my monthy payments. They continue to make me late on payments each month. For the last 6 months, I have paid {$150.00} for XXXX loans. XXXX is bout {$98.00} and the other {$47.00}. I paid XXXX with XXXX check and after a few months, I noticed my bills were saying I was late again. I XX/XX/XXXX I sent in an extra payment so that I could pay my {$150.00} any week of the month, since I am on very limited income, and need to pay mortgage at the first of the month. I got bills saying I was ahead on XXXX bill and the other is showing me as {$170.00} late, they started calling my house all day long again. I had to turn off the answering machine. 
The reason for not speaking to them, is because I will only get a roto call bill collector who will only ask me for money, not be able to investigate why my payment have not been applied to XXXX bills each time I send in the money. The collector will not have the correct information and I have to tell them to update their screens. I tried to send in both payments in XXXX separate envelopes, so that the processer would not be able to apply my check to only XXXX of my loans.. But regardless of XXXX checks and XXXX stamps, all my money should have been applied to XXXX payments, regardless. Now I am paying interest on XXXX of the loan notes again. I wish we could have some help from the government, because of all the interest money that has been taken from me, I feel illegally. I have not ever gotten help with a real live representative that can bring solution to my case. Thus, I refuse to answer the phone. Please help me get my payments accredited to XXXX my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Navient Solutions, LLC.
State: NY
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:
Navient deducted a private student loan payment from my credit union checking account without any authorization from me. I have contacted them several times over the past 2 months ( XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 ), sent them copies of my bank statement via fax ( XXXX/XXXX/15 ) and email ( XXXX/XXXX/15 ), yet they fail to refund the {$23.00} insufficient funds fee I incurred as a result of their unauthorized bank debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: MI
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:
Equifax is the ONLY credit reporting agency, that is falsely reporting a paid collection for {$150.00} from my previous apartment community XXXX XXXX. This account was paid BEFORE it made it to collections. it never should of reported at all, I believe something was definitely delayed with all that happened with the covid XXXX shut down, and worse enough its a negative reflection on my credit report. Equifax informed me within a few days that this was accurate and its NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I own a condo unit. I have n't made a payment on in 72 months. That 's 6 years. 
The unit wo n't foreclose. Back in 2011 there were auction dates but everytime the auction was cancelled. 

For the past year i have tired to short sale. 
About 6 weeks ago I discovered that BofA will not Allow me to short sell the unit. I am not eligible. 

Ok ... So I went over to deed in lieu department And I was denied there too. Too many secondary liens. 

My credit can not repair until this unit is gone. 
Regardless of what I do. The bank continues to report late. I think it completely irresponsible that BofA Has take this long to foreclose and wo n't allow me these other options.

Company response to consumer: Closed with explanation