BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to Bank of America at XXXX XXXX XXXX XXXX in XXXX, TN XXXX to follow up on a service charge refund and the manager, XXXX, violated my privacy by calling out my account balances in the lobby where other customers were waiting to be seen. She also talked down to me because of what I was inquiring about as well as tried to tell me how to do my personal job and that I was doing it wrong in front of other customers. She was disrespectful, extremely unprofessional, and told me to close my business account because it was n't being used in the way she saw fit. She closed the account without any verification of who I was or without my signature. I had to go to another branch to open the same account in which she had closed with no written permission. She made me very upset to the point where I was being bullied into closing my other accounts and wanting to change banks entirely. She interrupted me many times to give her input on what she thought I was going to say.

Company public response: Company 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: 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:
My private student loan is handled by Navient. My payment for this loan is {$82.00} per month and is due on the XXXX of each month. For well over a year now I have been making an increased payment of {$120.00} a month, but the loan is still earning interest in between that time. I sent an email to Navient regarding the same and received the following response : Dear XXXX, Thank you for your inquiry and for your business with Navient. 

Interest accrues daily based upon your principal balance and interest rate. When your balance is higher, you? re accruing more interest. As your balance decreases, you? ll accrue less. 

The number of days between payments determines the amount applied to interest from each payment. All payments are first applied to outstanding late fees ( if any ) and accrued interest. Whatever remains is applied to principal. 

In order to maximize the payments that you send, it? s a good idea to send them regularly - meaning every 30 days or so. If you let too much time pass before sending a payment, more interest will accrue. 

When you make a payment that is greater than your monthly payment amount, the payment is credited first to satisfy your current and any outstanding payments due. Any additional amount is applied toward future payments. 

If the additional amount is enough to satisfy a full future payment, your next billing statement will reflect {$0.00} Current Monthly Payment Amount Due. If the additional amount only partially satisfies a future installment, your Current Monthly Payment Amount Due will be a portion of your monthly installment amount. 

If you receive a bill for {$0.00} amount due, you may continue to make payments since interest will continue to accrue on your outstanding principal balance. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX., and Friday XXXX to 8:00 p.m., ET. 

Sincerely, XXXX, Your Navient Email Representative Navient says in its response that if I make payments every 30 days, the loan will " accrue no interest. '' See above response. Please help me find out what is going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: AL
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:
It takes over a month for them to post payments that are made in excessive of what is due, so they can continue to charge more interest. I made the payments online, so I should n't have to pay a penalty for them taking so long. I also do n't agree with the interest charged. The interest should be less each month due to my overall loan status going down, but it is n't. When I was making payments through the mail, Navient would post the extra money I paid on the lower interest loans as well. This should automatically go towards the higher interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had fraudulent activity occur on my Bank of America Checking Account between XXXX XXXX - XXXX XXXX. I called in and filed a claim upon seeing this activity on my account, as the charges could not have come from me being that occured XXXX when I was in XXXX for business with my company. 

The bank refunded me the money stolen while they performed their investigation, but they failed to cancel the temporary card that these transactions occured on and fraud happened AGAIN on my account from XXXX - XXXX. They apologized for failing to cancel the breached card and credit my account once again but, 2-3 weeks later removed the money from my account stating that I could have made those fraudulent charges. I 've supplied them with documents from XXXX XXXX and the XXXX XXXX XXXX proving my stay there. I 've also showed the bank evidence of someone monitoring my account for funds XXXX making balance inquiries XXXX in the states of XXXX and XXXX and taking those funds only once I was paid and my accounts had a positive balance. 

Even with this proof and cooperation from the Airlines and Hotel showing my flight to and stay XXXX, Bank of America has still been reluctant to give me back money that is rightfully mine although I clearly was not in the state to make those transactions and have proof. My account with Bank of America has been compromised prior to this happening and was even compromised 2 weeks ago, although no money was taken this time but it still shows security flaws with their products. 

The claim is being reevaluated again, but the bank has been such a hassle to work with and the notes they 've been making on the claim have been unclear even to other representatives who end up handling the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a Bank of America customer. I have a savings, checking, and credit card with them. I received an alert on my phone that I was charged a {$12.00} fee on my savings account for overdrafting my checking account. I did not overdraft my checking and called customer service. Remind you this is the XXXX or XXXX time that this has happened. I was placed on hold for over XXXX minutes and the representative still could not explain to me why I was charged the fee. I called back and spoke to another representative who was VERY rude XXXX XXXX from Nevada XXXX. He laughed at me for not understanding his explanation. He then said, " the computer system will automatically charge a fee if it THINKS you are going to overdraft. '' This made no sense to me and waived red flags. He then said, " that feature is for people that do not minitor your account as closely as you. '' This raised more red flags. I asked, so if I did n't notice and did n't call in then I would still be charged a overdraft fee, when I actually did not overdraft? I was laughed at and made to feel stupid because he could n't provide an answer that made sense to me. I was transferred to a supervisor, the fee was waived, and the supervisor had to do further research because she could n't provide an explanation either. This seems very suspicious and sketchy to me. It may be a glitch in their system, but I wonder how many Bank of America consumers do not notice these absurd fees? I apparently monitor my account to closely, according to Bank of America representative ; XXXX from 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 monetary relief
Consumer complaint received 2015-08-11
Company: National Arbitration Forum
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
someone from XXXX XXXX XXXX, phone number XXXX has been calling daily stating they will take legal action. They do not state whom they are calling for and the message is a robo-voice. I have received no written information on this debt and there is no listing anywhere for a collection agency called XXXX XXXX XXXX. I do believe this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: STERLING JEWELERS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on KAY JEWELERS with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Netspend Corporation
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is regarding Netspend which offers XXXX dollar bonus to XXXX the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have been refered by my friend and I have ordered new card and loaded that card as well with XXXX dollars and satisfied all the requirements for the XXXX dollars bonus which never got credited. I have been calling customer care representatives multiple times and every time i get an assurance that my card will be loaded with the bonus. However, it never happens. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. I have met all the requirements for the bonus but we have not received the bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Netspend Corporation
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I while trying to log on to my Pre-Paid Visa account with Ace Elite/Net Spend, with my card ending in XXXX, I forgot the password and as usual went to the lost password link, I then entered the information and was sent via my e-mail a temporary password, but when I would go back and enter it in, I would receive a " account locked '' message and for me to call the toll free number, I do and then am told it is unlocked, I even received an e-mail that my account is unlocked, but then when I attempt to do the same function, the same message shows, this went on many times over the course of 2+ days. I sent Ace Elite a e-mail about the troubles and it was signed by a " XXXX '' that passwords and user names are case sensitive and that for me to try it again, this time I tired to guess the password and the same message appeared that my account is locked. I receive my Social Security benefits : SSI and XXXX with this card and did get fed up and I went into the Social Security Office to change my direct deposit canceling Ace Elite/Net Spend and picking up the official debit card for Social Security ; XXXX XXXX but I still need to get into account to print statements, can you help me as I feel this is no longer a professional and business experience with this company and I need outside intervention. 
My Social Security Number is : XXXX My Date of Birth is : XX/XX/XXXX My E-mail Address under the card is : XXXXXXXXXXXX Account Number : UNKNOWN Dear Cardholder, Thank you for contacting NetSpend Customer Care! 

I am sorry to hear that you are having problem accessing your online account. 

Please note that your username and password are case sensitive. If you have forgotten your username or password, please click the " Forgot Password '' link located below the password box. You will be asked to answer a few security questions and then, you may create a new username or password. Once you do that, you will be able to login to your account. 

Furthermore, I am unable to locate your account with the information provided. If the troubleshooting steps above do not work, I suggest that you call our Customer Care line so they may assist you further with this matter as I am unable to do so via this email conversation. I apologize for any inconvenience this has caused you. 

Thank you for choosing NetSpend. Have a great day! 

XXXX Customer Care Specialist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Southwest Credit Systems, L.P.
State: VA
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:
This is not my debt. I have reported it to XXXX and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it. 
SOUTHWEST CREDIT SYSTEMSAddress:XXXX , TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXTAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XXXX/XXXXReported Since:XXXX/XXXXDate of Status:XXXX/XXXXLast Reported:XXXX/XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-22
Company: Navient Solutions, LLC.
State: IA
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 father ( recently deceased ) had co-signed for private law loans and had been repaying them. Navient apparently bought the loans from XXXX XXXX. I contacted Navient and let them know I could not make the payment my dad was making but that I wanted to pay and not go in default. I said I could provide them with paperwork showing my recent bankruptcy, my snap aid for food, my pay stubs, evidence of my single parenthood, evidence of my federal aid being in economic hardship forbarence and anything else they might need to determine my eligibility for lower payments. They were of no help. They would not offer even gradually increasing payments over time. It seems like they just want me to default!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: OH
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It has now been more than a year that I have no information on my mortgage account. Seterus has systematically refused to send me any information on my mortgage account for more than a year now. They have also shut me off any online access. I spoke with them at least 3 times in the past year. They responded that they needed to receive a " reaffirmation of debt '' from my ( bankruptcy ) lawyer. Even though my mortgage was never part of the bankruptcy, my lawyer still faxed them a Revocation of Legal Representation letter XX/XX/XXXX. This did not change anything. I am still barred from my account. I am not even sure how much I am supposed to pay monthly. Since XX/XX/XXXX I am paying {$540.00}. Is that still the monthly payment 2 years later? I do not know. Twice, I spoke with Seterus Customer Service, the last time XX/XX/XXXX. They promised me access to my account online, but it turned out to be a lie. I then filed a complaint with the XXXX. They responded they had contacted my lawyer but it was another lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: SLM CORPORATION
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Knowing I would become delinquent on my Sallie Mae Private Student Loans, I tried contacting the consumer representative to be proactive to see what could be done. I asked to speak to a Collections agent, and they would n't put me through since my account was not past due. Instead, the representative told me he talked to them and they ( Collections ) said they could not help me until my account was past due so that I should let it go past due if I wanted help. He told me past due means 5 days, and that after 15 days delinquent but that I would not have to worry since 30 days is when they would report me to the Credit Bureau. This is extremely bothersome. They want me to miss a payment before they will help me? How is that helpful. It puts a stain on my account. Plus, who is to say they can even help me after I miss the payment? This is a situation where I needed to find out if someone could help me or if I will need to start calling all my family and friends to see if someone could help me make my payment. I needed help today, not when I am past due. This has truly upset me as I feel like they are giving poor advice and lacking in customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Civic Financial Services, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I borrowed from Civic Financial {$150000.00} on my prior primary residence at XXXX XXXX XXXX XXXX XXXX XXXX Florida for a restaurant venture in NC that failed. I borrowed the money in XX/XX/XXXX and prepaid the mortgage through XX/XX/XXXX. In XX/XX/XXXX I  screwed up my monthly payment for {$1500.00}. Civic thorugh its servicer XXXX sent to my XXXX XXXX home a notice to accelerate to foreclose and that I must pay {$1800.00} prior to XX/XX/XXXX. I tried to pay the amount through XXXX but they would not take the payment. I spoke with a XXXX Representative XXXX XXXX XXXX who told me that my interest rate went from 9 % to 18 % and that I owed {$5800.00}. I do n't have {$5800.00} and I ca n't afford the new payment of about {$2400.00} monthly. XXXX XXXX said pay two payments of the {$1500.00} for about {$3200.00} and she would get Civic to make the loan current and place the loan back at 9 percent interest. I got bank checks and mailed them to XXXX and made my normal payments via bank check until the Hurricane hit Florida and I tried to pay by phone but XXXX again refused my payment. I spoke again with XXXX XXXX who told me that I made no payments prior which she then retracted and said my bank checks were not cashed but returned to my NC home that I rented. My bank wont give me credit on those checks for 90 days and XXXX knew my home address to be XXXX XXXX as they sent me my notice to accelerate foreclosure to that address in XX/XX/XXXX. Now Civic wants close to {$16000.00} to resolve foreclosure when I owe them about {$6000.00} in payments that I had already made but they refused. Now I 'm going to lose my home.This is most unfair. This in my opinion is predatory lending.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
What happen was Bank Of America Attorney came to XXXX, Georgia to Superior Court for the final Order and Judgment. There using the name Bank Of America is Debit Collector, Plaintiff said on XX/XX/2016 was foreclosure sale of the property located at XXXX, Georgia I was not inform of this sale, the Judge went along with the Bank Of America, Debit Collector, but the Judge told me I could file a wrongly foreclosure with thin 30 days, this is what I am going to do, I want to file this complaint first. The Judge give me until XX/XX/2016 to get all of belonging out the house.

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