BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated college in XX/XX/2009, at which time I spent months looking for a job, any job, just to make some money. The money I was making was minimum wage and not enough to even begin making payments on due to unwillingness of the lender to work with me on getting me on an appropriate repayment plan. I therefore spent years struggling to make ends meet and being harassed by debt collection calls ( I still receive to this day ) as well as being hit with penalty fee after penalty fee. Less than 10 years later from graduating I am now looking at a loan balance that is now 200 % more than the original balance owed. As soon as I could, a few years later, I attempted to keep my private loans in good standing by paying an agreed upon amount each month. It was a steep amount each month and the representative i spoke with implied that it was also to go towards paying down the principal and no additional fees and penalties would be charged. When I had some life circumstances change and I needed to reduce the payment I was harassed, insulted, patronized and told that " You might as well not pay us anything anymore as it wont do any good. '' It was at that point that I ceased all repayment as no other representatives were willing to work with me. All other personnel I spoke with were patronizing, accusatory, and unhelpful. This is where I find myself today, utterly hopelessly without options and trying to figure out how to get penalties and fees forgiven so I may hope to repay my debt within my lifetime ... but not seeing that presented at all by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A some point in my XXXX year marriage my wife opened credit cards for herself using herself as primary signing for them, and then adding me as secondary without my knowledge or signature. I never received cards, statements, or used these accounts. We are now separated and going through XXXX and she has been been delinquent on accounts purposely to ruin my credit, which she has XXXX to a XXXX FICO in XXXX months, and I am being told no one can help me. She has bank accounts with XXXX plus, so paying XXXX was no issue. 

I have always paid every thing on time and early, and have as many as XXXX vehicles paid for in full over the past XXXX years. I own my home out right, and never am late on bills, taxes or utilities, but now I ca n't get a credit card, or apply for loans because she let a {$650.00} balance go two months late to Kohls Department Store. When I disputed to XXXX and XXXX they reviewed and then deducted and additional XXXX points from my credit!!!! For disputing it?? This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My house is in Foreclosure and I was served the complaint on XX/XX/2015. I have XXXX loans on the property. XXXX has the XXXX main mortgage loan and Chase has the XXXX Loan. The house was in Short Sale prior the foreclosure started. I had XXXX contracts on the house for a Short Sale and XXXX would n't accept the offers so the people walked. XXXX offered me a DIL ( Keys For Cash ) I accepted the DIL offer from XXXX and moved out of the house on XXXX/XXXX/15 and turned the keys over to XXXX. THE HOUSE IS VACANT. Chase has a lien on the title and XXXX sent the approval DIL on XXXX/XXXX/15 letter the settlement of XXXX would go to Chase. I faxed the XXXX letter to Chase on XXXX/XXXX/15. Since XXXX/XXXX/15 I have called Chase every XXXX days since to try to get my loan resolved of going to the settlement department and each time I have called I have been getting the run around and no one is assigned to my loan to speak to about it. XXXX needs the wiring info to send them them the XXXX and release the lien. Chase keeps telling me I have to send paper work such as a loss mit package, hardship letter, bank statements and paycheck stubs. I advised them several times I do n't want loss mitigation as I am not living there and I moved into an apartment. Each time I call no one can tell me or advise who can help me. As a matter a fact several customer service agents advised me that there is nothing they can do for me and the loan is simply inactive. I asked them how did you come up with this theory that you ca n't help they said the supervisor told them to tell me that. I have escalated my calls and a supervisor at Chase to call me back and said I have to fill out loss mit papers and it can take up to a year for loss mitigation approval. I explained to them and faxed over letters I do n't want loss mitigation I do n't live there and there is a settlement from the first mortgagor. They advised that 's all they can do. They advised me and said XXXX is not good enough for this loan. I advised them under the XXXX XXXX Guidlines of the government for an approved DIL XXXX is what is paid to the XXXX lien holder. They advised to me still not enough and they want XXXX the amount of loan. In the mean time of all this there is an XXXX fee of XXXX I 'm paying on a house I do n't live in and I ca n't afford paying this due to the run around conversations I am having with Chase. I signed a 3rd party authorization for Chase so they can speak to XXXX XXXX at XXXX to get this matter resolved. XXXX XXXX advised me when she tries to call they refuse to talk to her because she is not on the loan but I signed a 3rd party authorization. The bottom line is since XXXX/XXXX/15 I have not gotten anything resolved issue with Chase and the several phone calls I am making and getting no where with them. I find this unacceptable and against the law for treating me this way and not helping me getting this DIL settlement resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a letter from Bank of America stating that they received a request from an authorized user to validate the debt associated with an account. As I do not have an account with Bank of America, I called the phone number provided on the letter. I was then informed that an account was opened in my name XX/XX/XXXX and then closed XX/XX/XXXX, the same year I was divorced. 
XX/XX/XXXX, my ex-husband added himself, both his current name and his alias, as authorized users to an account in my name which was closed XX/XX/XXXX. Furthermore, the Bank of America letter stated that a credit card had been issued in his name, and that I was responsible for all charges made by the authorized users on the account.The bank could not explain how someone could add himself as an authorized user on an account that was closed. In addition, they explained that the only way he could have done this is to have someone impersonate me, use my social security number, and answer my security question ( s ), which he had to have created in the first place. The representative with whom I spoke shared with me the phone numbers listed on the account, none of which are, or ever have been, mine. 
XX/XX/XXXX, my ex-husband called the bank again to inquire about the balance of the account. 
Another alarming factor of the situation is that the correspondence I received from the bank listed my name and my current address, which been my address only since XX/XX/XXXX. Therefore, my ex-husband was able to provide the bank with an address which was not his, to gain information about an account in my name.

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 2015-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I wrote and asked for a lower payoff on my account, it was granted, I called and paid the payoff of about {$700.00} and closed the account, so I thought. The bank kept the account open and now has charged me about {$5.00}, which is against ethics and my request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Home equity line was modified. Regular payments went delinquent. Bank 's credit card division lowered my credit and credit score. 
I made the lower modified payments, yet I had negative reports to the credit bureau lowering my credit score. 
Now I have to wait until the Bank updates its Home Equity Line of Credit statements before I can contact the credit bureaus to correct 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 non-monetary relief
Consumer complaint received 2016-02-16
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My son and I continued to be call by a Navient auto-dialer about every three hours on our mobile phones.We have both spoken to an actual Navient representative last week and yesterday about the situation. My son is current with his payments. I even made an extra payment on his account. They have been made aware of the problem yet we continue to get auto calls about our payment being late. I started getting them at my work number today. I 've had enough! How can we make them stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Credit determination

Complaint:
I was declined for a credit card ; however, with XXXX and a great income the denial reasons provided and the credit factors from the credit reporting agency ( XXXX, XXXX ), I can only assume I was discriminated against based on my gender and marital status.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a credit card in my name under XXXX XXXX under account # XXXX. Upon reviewing my credit report last year I seen this account on my credit report and I contacted the company and they advised it was paid and charged off. I SPECIFALLY asked would this be deleted being it was paid off and I was advised that it would be a pay to delete however, I today was told today ( ( XX/XX/2022 ) that it was incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Bank of America continue to report negative items on my credit reports to the major credit bureaus, even after I asked them to discontinue this practice, because I am disputing these items. I even mailed certified return receipts stating " this account is being disputed '' and this company still did not ask these credit bureaus to place this label on my accounts, and they continued to report negative items. After XXXX days and then XXXX days expired, this company is violating the FCRA and the FDCPA by not doing as I requested. Please contact this company for me, and if you will, file a lawsuit for me against them. Thank you! XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was on an Income Based Repayment Plan ( IBR ). I sent my documentation to renew on XXXX XXXX, 2016 so it would reach Navient before XXXX XXXX when my payment was due. I am unable to make full payments as I work only part-time. They did n't process my documents, so on XXXX XXXX I uploaded it to their website at www.navient.com and the next screen said it would be processed in 5-7 business days. I also emailed customer service that I uploaded it so they knew it was there to process. I never received a reply, and my request for renewal of my IBR has been ignored. I emailed customer service a second time on XXXX XXXX asking them to please process my documents and renew my IBR so that I can make a payment. I did not receive any reply to that email either, and my request and documents still have n't been processed. I postal mailed my documents to them again ( this makes three times I have provided my documents to this loan servicer ) on XXXX XXXX and they still have not processed them and adjusted my payment to the IBR amount so I can make a payment. They call my cell phone every day with a robo caller and dun me for payment, which costs me money, so I blocked their calls to that number. They have my home phone number, yet they do n't use it to get in touch with me and get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2017, I called BOA, to find out how much my interest would be, if I do'nt pay off the balance of my " balance transfer '', that I did few months back. When they disclosed how much it would be- I said : oh my, that 's a lot. Then he said, they can reduce the interest charges, and forwarded me to another banker., who offered to reduce the interest, but also said " we can increase your credit limit '', in a very helpful tone, as if it 's in her power, to do so. I said " how much ", she told me the amount she would increase, and I asked her, " do you pull my credit report "? -- She said oh yes, -I asked " is it going to be " soft pull '', or Hard pull "? She said Oh, " we do n't know about it, -- anyway it 's already done ". I was shocked. 
I did not want any XXXX to do a hard pull, as I was about to start on a " refinance '', on my home, within weeks. Next day, I received my " XXXX XXXX '', report saying, '' there was a hard pull, do you recognize this company?. ". I was furious, and very upset, because, without informing me, her itchy hands had already forwarded my card number to Credit Agencies, acting as though, she was very sympathetic, and understanding, and as if SHE was inreasing my credit limit, on her own. Why do they deceive us, why ca n't they be honest, and transparent? Why do big banks like BANK OF AMERICA, hire such idiots, who say " they do n't know, if it is a soft pull, or hard pull "? I AM DISPUTING THIS UNSOLICITED CREDIT INQUIRY. They are trying to whip up more loans, just like another big BANK did recently, and was subjected to severe fines, which story every one knows. I want Bank of America to " WITHDRAW THIS INQUIRY '', FROM MY credit report, ASAP. 
Thank you for your helpful service.

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 2015-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a copy of my XXXX letter along with a check payment to the bank front and backcopy to the President dated, XX/XX/XXXX. The Bank provides a total of XXXX documentsstating how far behind I am. The bank did not even deposit my check until XX/XX/XXXX. 
The bank is falsely reporting that my T-form is ineligible that I provided several formsof the T-Form. I also provided the T-form to the President of BAC, which is very clear to read, completed on a computer for eligibility in XXXX. The bank is providing severalfalse reports of what I actually owe, and what I actually applied for. 
The Bank also claims that I did not pay my repayment plan. I have the name of the employee who was on the phone with me with customer service to reverse the payment ; the employee indicated that she was just waiting for my T-Form, the very same T-FormI faxed, and sent to the President of BAC. Customer Service could not reverse the payment, unless there was approval of the loan department. I was on a XXXX way callwith the Bank, and Customer Service. 
Finally, I have been getting numerous harassing calls from BAC, which my phonecompany can prove how many times this bank has called me in the course of six months. 
I have recently had threats, of short sales and foreclosure information upon my property, which I have lived in and paid on time since XX/XX/XXXX. I have received a total of XXXX ormore documents form the bank most of which have been asking me for the same information over and over again, threats of foreclosure, wrong balance information due, etc. I am releasing all documents, names and phone records to the CFPB shortly. 
If the bank can not reach an agreeable ( mutual ) payment plan by the end of XXXX, I am filing a lawsuit against the bank, releasing documents phone records. names. 
letters, fax confirmations and XXXX tracking information to prove my case of harassment, and the bank providing false information to CFPB. Thus, has been very misleading, anduntruthful during this process, and should be fined, or sued. Clearly, the President of BACHome Loans has no interest and is fostering his or her employees to lie, harass, and continue to ask me for the same information. The bank has also put my credit in a bad status, which has increased my auto insurance, and caused other issues with my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Complaint Against Bank of America There were fraudulent charges of a little over {$1200.00} on my debit card. Received temporary credit. Then the credit was reversed, ostensibly because Bank of America 's Faud office stated this was not fraud. 
The withdrawals occurred in quick succession, at an unknown location far from us, while the card was in our possession. 
The withdrawals do not fit any previous pattern ( evidenced by bank statements for the past 2 years ) of withdrawal and no withdrawal has ever been made at those locations.

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 2015-10-29
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother and I purchased a home together. My mom got sick and was XXXX. We fell behind on our mortgage. We have tried to save our home by trying to get trying to get a modification with no avail. When we first started trying to modify, XXXX XXXX XXXX had the Mortgage. I faxed all the forms and necessary documentation to them at least 15 to 20 times and was always told they did not receive the faxes I sent, even though I had the fax confirmation sheets. I finally took all my forms and documents to the XXXX XXXX XXXX Branch that I got the mortgage from and provided them with the fax # and they faxed it for me. ( XXXX-then said they received the fax. ) They were about to do a trial modification in " I believe XX/XX/XXXX " per a phone conversation I had with one of there Customer Service Representative at the XXXX phone #. About a week later, I received a letter from XXXX stating they will be putting my mortgage with a company called OCWEN. I called XXXX and OCWEN and was told that I will have to start the modification process all over again. ( I started the modification process in XX/XX/XXXX. ) I did just that and OCWEN also started off with saying they were not receiving my faxes. In the mean time to save my home, I had to file Bankruptcy, Chapter XXXX. I paid on the Bankruptcy for about 18 months in the about of over {$38000.00}. The bankruptcy court dismissed the case because I did n't make enough money to make the entire payment every month. The whole time the home was in Bankruptcy, I was still trying to get a modification and also XXXX Grant that was available XX/XX/XXXX to help people that were having trouble and facing forcelosre. I have actively tried constantly to get this situation resolved and have not been able to. OCWEN would say that I made to much money or not enough money to qualify and my income did not ever vary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I deposited a check into my account which I was under the assumption was fine. After the check was accepted by the ATM machine and it completed the deposit and gave me a receipt. Later I received and Email from Bank of America stating there was some suspicious activity with my account. I was unable to get in touch with the bank that day after several tries. the next day i went to loo at my bank account to see if i could figure out the problem through my mobile app and it said that my account was locked. Once again I called the bank and was told that the check was counterfeit. I told them I was unaware of that fact. I never received any of the funds nor spent any of the money considering that I was not intentionally attempting to defraud the bank. I have had the account for a year and never bounced a check or anything of the sort. Bank of America then told me they were closing my account and that was the end of it because they reserve the right to close any account at any time. What really got me was then they said they reported me to XXXX and I would not be able to open another bank account anywhere for 5 years which as a XXXX year old person not to have a bank account in this day and age is unbelievable. I 've also received two letters from the bank stating the closure of my account but have n't received a check for the that was in account before the deposit.

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