BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a Bank of America customer. Approximately 5 years ago I requested for a home retention assistance from Bank of America. I was told several times that the amount owed would be placed on the back end of the loan. I started receiving notices that my loan was in the arrears and that it needed to be brought forward. The amount was never placed in the arrears and I can not get in front of the loan. I requested again for a home retention modification. This process was delayed repeatedly by Bank of America. Documents were requested by BOA and resent several times. My account was transferred to several account reps each time being asked for documents that were already sent. Loan took over 7 months to process. I was again informed that my arrears would be placed on the back end of the loan. I never received notice except for a phone call from XXXX XXXX that my loan modification was approved. I began making payments but then received notices that my loan was again significantly in the arrears. I started setting in bi-monthly payments at an amount that was more than what the new loan amount was for but was told this was not acceptable because I was placed in a " TRIAL '' program. When I inquired about this program I was told that I was only permitted to pay the exact amount that was due and not more, not less. My new account representative, XXXX XXXX, advised me that I was no longer in the trial program and that my loan was reverting back to the original amount owed because I was not complying with the " TRIAL '' program. I did not receive information on this trial program and was never informed of the terms of the program. 
The BOA refusal to place my outstanding owed amount in the back end of the loan has made it impossible for me to bring my loan current and has destroyed my credit scores. The reasons for requesting for a loan modification was to save my credit ratings but BOA has outright destroyed any and all hopes of rebuilding. I have been making payments that are larger than the amount due in an effort to bring the loan current but this can not happen. My payments are made ever two weeks yet BOA does not acknowledge the payments until the next payment is made. They collect the interest on this loan and also collect interest on the payment. 
I have called numerous times to no avail. I am making my payments and they continue to report negative entries on my credit scores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Factor Trust
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Factor Trust you stated you never heard of me till I filed a dispute I quote FACTOR TRUST The alternative credit bureau that's on your letter head Telling the CFPB that you never heard of me will here is proof enclosed I enclose two copies of credit freeze from you, and you are reporting to XXXX you violated my rights, lied to the CFPB in your statements that you do not Freeze reports. CFPB please look in to this, documents enclosed, XXXX owns FactorTrust which is owned by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Navient Solutions, LLC.
State: WV
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Very threatening and rude to me and my family about collecting a loan debt from me while I am still XXXX. They mail me and call me too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX AND XXXX ON BEHALF OF BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I agreed to a loan modification on this equity loan which was to start XX/XX/XXXX 2015 with XXXX payments of {$170.00} on the XXXX of the month. I have completed XXXX payments on time only to receive in the mail the XXXX statement indicating the XXXX payment made on their posting account of XXXX/XXXX/15 has increased my previous balance and getting a loan modification has served no purpose other than to collect more funds from me. See attached documents. My understanding with the Bank of America resolution manager was that part of that payment was to go for the principal and part to interest as I inquired before even agreeing to this modification. Instead as you see on this statement they have described the loan modification amount as " cash receipts '' subtracted it from the previous balance of {$100000.00} XXXX which includes the real equity balance of {$98000.00} plus the past due amount of {$6700.00} XXXX then added on a finance charge of {$220.00} bringing it to {$10000000.00} which is more than the previous balance. This is their way of helping customers with a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AK
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:
I 'm filing a complaint against Navient. Several years ago, after taking over my loans from XXXX XXXX, Navient had me sending payments for my XXXX different Lon types to thrsame address. At some point after this began, the address for XXXX loan type was switched and I was never informed. I continued sending payments to the address I had originally received. Several months later, I was informed ( through XXXX XXXX ) that Navient had reported me delinquent on over XXXX individual loans- the loans connected to the account with the address change. When I called Navient to find out how to disput this ( I would have been a point t accept XXXX report of delinquent payments as at that time, I would send a single amount for the loan group ) the customer service representative I spoke with informed me that she alone received multiple calls about this same issue on a daily basis. I followed the steps that were outlined to me to have the information removed from my credit report. Navient denied me. I 've also had several payments returned to me without any clear explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient is overcharging me in interest. I was told by a rep. that my interest is forgiven because I 'm on income based repayment loan. I asked them several times what can I do to lower my loans and interest. Unfortunately, they told me that there 's no way but to continue to make payments. I 'm a XXXX that recieveshe no government assistance and can barely survive. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Briefly-2 issues 1 When we bought our house in XXXX Countrywide gave us a bait and switch that we fell for - they split the loan in two, the smaller portion was an interest only balloon loan- Bank of America took over our loan when Countrywde failed - this smaller portion of our mortgage has been coded by BoA as an equity loan - it was never an equity loan - but b/c of that designation as an equity loan they repeatedly rejected our eligibility for a modification - even though we were approved for a mod for the bigger loan following the great recession of XXXX when we lost our jobs XXXX It took BoA 5 and a half years to conclude that the only solution they will offer us is a capitalization program at 10 % which includes all back interest and fees that built up while our application was being delayed. Delayed for months and now years due to their negligence. For example, we received documents from BoA with erroneous information that must have been from someone else 's account. 

Since this 2nd mortgage was purchased at the same time as the 1st mortgage we desire that it be modified exactly the same as the 1st. We requested this at the very beginning but they told us to wait

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 2015-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This complaint is in regard to Bank of America.. Per previous complaint, Bank of America did resolve the issue of refunding/removing me the overdraft charges totaling {$140.00} on or about XXXX/XXXX/2015. However, as soon as that was done I was assessed fees on not only my checking account but also my savings account. Such as a maintenance fee. I complained to their representative and on or about XXXX XXXX, 2015, I informed her I wanted both account closed. I was n't paying there fees and if they wanted to they could sue me. 
This next issue is what set me off. She removed the fees, closed the accounts and blocked the accounts so I could no longer have access to them. 
On both the savings and checking accounts I had my own monies left on them. Approximately $ XXXX {$15.00} which they owe me. HELP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Navient Solutions, LLC.
State: NJ
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 student loans through Navient, formerly XXXX XXXX. I have been enrolled in the rate reduction program, due to the high level of student loans my parents had me take out in my name and difficulty paying them back. My parents have been separated for some time now, and both struggle to make a living. Rate Reduction has been very helpful. This week my grandmother ( Co-signer ) passed away. I had been in touch multiple times with Navient and dealt with a woman XXXX in the Rate reduction program. I went over financials, and everything, with XXXX who said that she would get it approved by her supervisor and be back in touch. This was over a month ago. My payment is supposed to be taken out on Tuesday, and I have attempted many times to get in touch to have this approved so I will not be taken out of the program. My issue is that this was supposed to be something taken care of over a month ago, then I come to find out this was never submitted for approval, and never addressed at all. I have never missed a payment in the rate reduction program, and without it I do not know where I would be so it is very important that I work with someone that can help me and not put their agenda before mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have filed a lawsuit against Bank of America XXXX BofA XXXX for billing disputes. I won a judgment in small claims court XX/XX/XXXX against BofA. BofA appealed the judgment and I am currently in the Court XXXX in PA for this matter. My credit card expired XX/XX/XXXX. I did not receive my new credit card from BofA. When I contacted BofA XX/XX/XXXX to inquire of my new card, I was advised that my address on file was not correct and the card was previously returned to BofA and that BofA would expedite sending to me a new card. In 2 weeks I had not received the new card. At that time I was advised that my account had been closed. My account was not delinquent. I believe that BofA closed my credit card account in retaliation to my legal claim against BofA for unfair billing practices. The credit card is an affinity card for my XXXX School XXXX XXXX. The card also has a 6.99 % interest rate which is very economically beneficial for me. I would like to have my card reopened by BofA as they had no reason to close my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, I applied for a credit card with Capital One. I applied for the Quicksilver no fee card, but got approved for a fee card. I was not aware that the card I had been approved for was an annual fee until I got the card. I called Capital One and asked what happened ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  my daughter called on my behalf and I authorized her to speak on my behalf with the agent ). The agent on the phone explained I got approved for the fee card. I noted on the call that I would be interested in canceling the card because this is not what I originally applied for. However, I had a put a charge on the card, so wanted to wait to pay off the card and wanted to get reimbursed the annual fee ( or a portion of it depending on when I called to cancel ). I was not alerted that I had to do it within any specific timeframe over the phone. I called today on XX/XX/27 - to cancel the card ( just 3 months of membership ). I cancelled the card and asked if I would get reimbursed a portion of the annual fee- and was told no. The agent today said there was a 40 day window when the request had to be made to get reimbursed. I told the agent today, when I called earlier the agent did not mention the 40 day window. I dont expect to get a full annual fee back, but did expect to get reimbursed for the amount that I was not a member. It is also terrible that the company charges within the first month for the entire annual fee when you have not even begun to use the card. The agent on my first call - knowing that I wanted to cancel the card upon learning there was a fee should have stated that I would have to cancel by a certain time ( this important piece of information was not disclosed ), so I could have made an ideal decision for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The year 2017 of this year where my information was stolen from different sources that uses XXXX and XXXX and Trans union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.

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 2016-08-27
Company: CL Holdings LLC
State: WA
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:
XXXX XXXX sent me to collections for a debt I do know owe nor have knowledge of. I 've asked for info from the collection agency and they refuse to tell me anything saying privacy reasons. I can not dispute it without proper information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2017-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In accordance with California Civil Code Section 2920 - 2944.10, the California Homeowners Bill of Rights, I am eligible to receive statutory compensation for the prohibited act of dual tracking. Additionally, upon the Trustee 's Sale of the 2007 Deed of Trust at the requests and direction of Bank of America through Trustee XXXX XXXX XXXX XXXX ( XXXX ), any sale can be reversed as dual tracking has occurred in this instance. Bank of America, through resolution of this CFPB escalated case complaint, may do so within the 60 days allowed to resolve this complaint as requested. All previously mentioned resolutions, as applicable, are also requested and desired as stated.

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 2017-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
As of pulling my credit report recently I realized that XXXX XXXX credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

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 2017-10-08
Company: Cedars Business Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls over the last year from a company called Cedar Financial. They state I have a debt with XXXX XXXX Bank and I have no knowledge of this debt nor this bank. They have added a debt in the amount of {$12000.00} from this XXXX XXXX Bank on to my credit report without any poof! They need to stop contacting me and remove this debt as it is NOT valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after

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 2017-04-27
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had several incidents with  Key Bank  where they take the debits before the credits on the same day. As I have looked over my statements, they have done this for years, I just did not know the law. When I caught this finally in  XXXX  o f 2017 th ey refunded  XXXX   ( 3  XXXX   XXXX  ). Yesterday it happened again, a deposit and check on the same day. It appeared online as they both went through yesterday a deposit of  XXXX  and a check of  XXXX . They charged me  XXXX  fee. I deposited at  XXXX  ish and the check had not yet went through. They said its all timing. So my total deposit was n't ready until this am and the check went through sometime after  XXXX   XXXX .     I called corporate and talked with  XXXX  who told me I have to try and get the refund back from my local branch.     Completely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was only past due one time over 90 days. Not 40 times. Equifax is not reporting the account properly.

Company response to consumer: Closed with explanation