BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America issued me a new credit card because my account number was compromised in a data breach. I received the new card and began using it around XX/XX/XXXX, authorizing payments from my checking account on time through the online bill pay feature on Bank of America 's website. In XX/XX/XXXX ( several months after I received the new card ) I went to the Bank of America website and authorized automatic payments from the same checking account for the full amount of each credit card bill since I was going to be traveling and did not want to miss a payment. For some reason Bank of America did not withdraw the funds to pay the bill in XX/XX/XXXX and XX/XX/XXXX as it should have with the automatic payment setup. Instead, Bank of American reported to the credit bureaus that I was overdue on on my payment, reduced the line of credit on the card significantly, and closed a separate credit card account. Upon later speaking to a Bank of America representative, it became clear that the bank had not updated its online bill pay system with the new card number that it had issued to me several months earlier. Apparently, because Bank of America associated the account with the inactive card number, it withdrew {$0.00} each month even though I had used the card. As of XX/XX/XXXX, the Bank of America bill pay system still reflected the old card number ( a screenshot of the bill pay website showing the old card number associated with the account is attached to this complaint ) even though it was inactive and the new card was active and being used. As a result of Bank of America 's error in not updating its online bill pay system to associate my account with the new card that it had issued to me because of a data breach, it reported that my card was not paid on time to the credit bureaus. Upon learning that the card was not paid via the automatic payment, I immediately made payment over the phone from my checking account. In acknowledging the error on its part, Bank of America refunded the interest charge it had put on the account. Unfortunately, Bank of America refuses to remove the derogatory credit marks on my credit report.

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 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I am filing this complaint against Bank of America due to fraud. I obtained a Line of Credit against a property in XXXX 2008 in the amount of {$100000.00}. At closing, I was given XXXX disbursements payable to XXXX XXXX for {$10.00}, XXXX and {$8500.00} for a total of {$19.00}, XXXX. The CreditLine Balance on XXXX XXXX, 2008 was {$25000.00} plus closing fees of {$10.00} for a Total CreditLine Payoff amount for {$25000.00}. I have been making payments of almost {$300.00} a month since. I received a letter last month stating that my payments would be going up to an estimated {$840.00} a month for 180 months. I spoke with a friend of mine and told him that I only owed {$20000.00} on my line of credit and that I should have paid it off by now. He asked me to fax him my closing documents and called me back saying that I was paying on a {$100000.00} and not {$20000.00}. He told me to go immediately to a local Bank of America Branch which I did. The woman at the bank said that she saw where I received {$19000.00}. I said that I did receive that but where was my other {$74000.00}. She said she did n't see any other disbursements listed. She then took me to another office where she called the fraud office for B of A. The lady on the phone told me that a forced advance transfer was conducted at a Bank of America the same day of my closing. It was for {$74000.00}, check # XXXX at Bank of America Plaza XXXX # XXXX. She gave XXXX fraud hotline numbers to call and file a complaint. I called and let them know what I found out which was XXXX XXXX and that money had been stolen from me years ago without my knowing it. I was just paying on it monthly without realizing. I received a letter via email 2 days later on XXXX XXXX saying that they conducted a thorough investigation of my claim and that Regulation Z provides a 60-day reporting period and that I waited too long. I did n't know but how can they just dismiss the fact that someone from the bank stole my money and that discrepancies in the paperwork was not caught by the auditing department or was not reported to the federal government. I know that many laws have been broken and because I have been paying monthly, makes this ongoing fraud. All I asked for was to find the money. I would like copies of documents used in the fraud/copies of all documents relating to my missing money, individuals involved, etc. from Bank of America. I am a customer so how can they just dismiss me when there is {$74000.00} missing. Please send this on so that I can get some help. 

Thanks.

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 2016-05-31
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
Care Credit, which is owned by Synchrony bank, issued credit for dental some work performed on my daughter. It was a promotional no interest for 18 months. I have been paying on time with automatic payments and was not properly notified the no interest was coming to an end. No emails or phone calls. Now they have charged me 27 % interest on everything. I called them and offered to pay the remaining balance because the no interest ended only on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 but they refused and still want to charged me the 27 %. This is extremely overboard. What can i do about this?

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 2017-03-06
Company: Navient Solutions, LLC.
State: CT
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 took out a small loan to subsidize my XXXX education. The loan was serviced by XXXX. Considering the size of the loan and the limited options to reduce my interest rate, i do not believe navient had my best interest at heard when they financed my small loan amount out to 30 years. Essentially I was just accumulating and subsequently paying on interest and very little principal. I believe these practices are a false and predatory for students who are to be contributing to greater society. It was difficult to work with them to get a loan amount that was within budget but also aggressive enough in payoff amounts. When I paid a lump sum early, it Essentially deferred my next payment not demonstrating good faith of my determination to pay off the loan or reduce the interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AL
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 has over charged me on my student loans. I have been paying them and instead of my loans total decreasing they have increased. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a loan modification in XX/XX/XXXX in which an error was made on XXXX of the notary pages. Bank of America did not notify me of this error as they mistakingly sent correspondence intended for me ( who is located in New Jersey ) to another customer located in Florida. This correspondence was to inform me of this notary error so that I could fix the mistake and complete my modification. The representative handling my modification assured me via telephone numerous times that modification was indeed approved, as well as over XXXX different BOA representatives during the five months following the signing of these documents. I continued to make all of my mortgage payments every month, never missing any, and in XX/XX/XXXX, I was served with a foreclosure complaint stating that I never had a loan modification and I had defaulted as of XX/XX/XXXX ( since I had only paid the modified amount ). I have previously contacted the XXXX and CFPB regarding this, who have directed me to BOA and their only solution is that since I have entered into another modification, that this should be sufficient. It is not, since there is still a foreclosure action on my credit report that should have never been filed since my mortgage should have had been in a modification and had BOA not erroneously sent my documents to the wrong address, my modification would have been intact and the payments were made. I want the foreclosure removed from my credit report and I want a Notice of Recission from Bank of America that I can give to my creditors. All of my credit card companies have lowered my credit limits, and I needed a co-signer to obtain a new vehicle when my previous lease ended. My FICO score has dropped nearly XXXX points and I have no other negative items on my report other than this. Even before this foreclosure action, and with the modification, I only missed XXXX mortgage payment since the loan 's origination so my credit was not adversely affected prior to this foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a XXXX American Express credit card. I have not used it since XX/XX/XXXX, and due to a return credit, have, or had, a credit balance of {$18.00}. 
I looked at my account online XX/XX/XXXX to research a prior purchase to discover XXXX fraudulent charges, XXXX XXXX XXXX/XXXX/15 for {$870.00} to a liquor store in XXXX, XXXX, XXXX to a fast food place for {$3.00} in XXXX and {$25.00} Service. 
I live in Massachusetts and have been with family in XXXX, XXXX from XX/XX/XXXX. I have not been to Michigan and the charges are not mine, clearly an error or fraudulent. 
I called the credit card number and was speaking with XXXX XXXX - - - - questions are concerning and most annoying - - - like how long at my address, how many bedrooms in my house, my driver 's license number, my social security number, what days will I be driving back to Massachusetts - - - - I finally became concerned and suspicious about the nature of quantity of questions, and she said she would not do anything about it. Compounding, I did not have total privacy in answering questions and I was on a cell phone. 
A statement was issued the following day requesting me to make payment of {$860.00} after losing my credit balance of {$18.00}. 
XXXX XXXX at American Express was obnoxiously uncooperative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My student loan company, Navient, has been recently increasing my interest rates significantly, consequently preventing me to pay off my loans. I have asked them multiple times over the years to help me with consolidation or to stop increasing interest rates considering I make timely monthly payments every time, and time after time I am being declined their support. With my 9 % interest rate I will never be able to pay off my loans and I will be stuck in this terrible debt forever. The more I pay the more interest rates go up and I am not asking for loan forgiveness I 'm just asking to make my interest rates more humaine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this wrong personal information to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2015-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My ex-husband ( XXXX ) and I took out a mortgage on our home in 1989 with XXXX. The mortgage still remains on the property. I have been trying to track down who the mortgagee is now. I have been unable to locate it. The Registry of Deeds still lists The XXXX as the mortgagee and there are no subsequent assignments. However, XXXX is no longer in existence. It is my understanding that XXXX was succeeded by the XXXX XXXX XXXX then XXXX XXXX and eventually Bank of America. I have reached out to Bank of America and they claim to have no record of the mortgagee. I would like to find the current holder of this mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
visited bank to requested a voided check and was accosted to apply for a credit card - informed sales agent I was concerned that credit application would place another " hit '' with an inquiry to the bureaus with my application. Agent informed me this inquiry plus the others I suggested concern about were " soft '' inquiries and would not show up OR affect my credit score. Shortly after being denied for a few more applications, I found out this was not true. BOA '' refuses to amend this credit application to inform the bureaus that it was invalid.

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 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


Creditor : XXXX XXXX XXXX In Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer

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 2016-02-27
Company: Navient Solutions, LLC.
State: VA
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 make all of my payments on time and even sometimes make some extra payments on my student loans. However, Navient makes repeated errors in crediting my payments and the only way for me to get them resolved is I have to call and spend 20-30 minutes on the phone whilst they correct the mistake. The errors are always by their representatives, often just typing wrong numbers in but the company does nothing to correct them unless I call to complain ( and wait on the phone ). Last year, they made so many mistakes I demanded compensation and after first telling me that the Dept. of the Education does not allow it, I forced them to escalate until they determined that they were allowed to credit me with {$25.00} but even that they struggled to do correctly. If this sounds generous please realize that I spent about XXXX hrs on the phone to get to the point of getting compensation but I was determined to try and get some level of accountability out of the company. All was fine for a few months but now they have just taken a payment, failed to credit it to my loans and I have spent 30 minutes on the phone whilst they correct it. I had even received a confirmation email of the payment but the employee had apparently left one number off the record and so the money was put in some Navient holding account which they do not look at unless a customer calls up to complain. Eventually I was told they would have reversed the payment but meanwhile they would be making interest on the funds. I see no reason why they would not automatically look at funds entering the account and see what the problem is. My case would have been simple to solve without even contacting me and this is what any reputable company would do. Additionally, any ethical company would compensate customers when a company representative makes errors which cause the customer to have to waste time on the phone whilst they correct them. Perhaps a 12 month rolling schedule where first mistake is {$25.00}, next one {$50.00} and so on because I really do not get the impression that Navient is interested in being accurate so financial penalties might get their attention and would at least compensate customers for the inconvenience. 
Lastly, why will Navient not accept a credit card payment online for the regular monthly amount but will over the phone? Makes no sense and if they did it would help reduce their error rate. They also do not accept extra payments online even if you use a bank account ( seems like they do not want to encourage people to pay off loans early ) and so force you to call them to do so. 
This company has not changed any of his practices in the last 2 years and the problems and wait times are only getting worse. Please hold them accountable and make them address these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was a student at XXXX XXXX during the summer of 2012, I completed the XXXX program but was denied my diploma because I owed fees, I paid a total of {$300.00} of fees in order to receive my diploma but still have n't received it. I was told until I pay off all the loans from private loaners such as XXXX XXXX XXXX & Navient Department of Education Loan Servicing, in total the amount that will have to be paid is over XXXX dollars. Since graduating XXXX XXXX I was unable to find a job so I decided to join the military to help pay off these loans. I have not received any letter stating why I 'm being charged This amount of money, even though I have n't found a job because I do not have any certificate stating that I have completed the courses that prove I am certified to work as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: ACS Education Services
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 would like to submit a formal complaint about the online forms associated with ACS loan servicer. I am currently attending school in XXXX, XXXX and in doing so I have a XXXX address, bank account, and phone number. ACS does not allow for the option to have a foreign address in your personal information when filling out the In-School deferment forms, although they do allow you to enter a foreign address when entering your personal information in the " update address '' section. They also do not allow you to enter a foreign phone number and do not allow the option of simply not entering a phone number, this means that I have been forced to enter my father 's personal phone number despite the fact that he is in no way involved in my student loan re-payment efforts. As XXXX of thousands of people who are paying exorbitant interest rates to ACS for servicing a federal student loan, I am shocked and appalled that they are not able to accomplish something as simple as creating forms and protocols that work despite your location on the globe. I am also appalled that these loan servicers refuse to accept payments from foreign accounts. Forcing borrowers to pay a foreign transaction fee to transfer money into an american account on top of high interest rates is an undue burden for borrowers and should not be acceptable practice for companies that are making millions of dollars servicing FEDERAL student loans. I hope that you will take steps to correct XXXX of these glaring issues as they are certainly not in line with the globalised world that we are living in today. 
Thank you for your time. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation