BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX I submitted an application to refinance my existing mortgage loan with Bank of America. After waiting and many inquiries about a settlement date, I found out by email on XXXX XXXX from the loan officer, that my file was cancelled. I have been a customer in good standing with BOA since XX/XX/XXXX, my mortgage loan servicer. At this time,. my income has increased, my financial portfolio is still stable and has increased, and my outstanding debt has decreased substantially .My credit score is XXXX. I have provided all documents to complete the process in a timely manner. I was mailed a new Good Faith Estimate dated XX/XX/XXXX that exceeds the original one dated XX/XX/XXXX by {$1700.00}. I paid for the appraisal that was done in XX/XX/XXXX, required by the lender. I was assurred previously by my loan officer via email communication that the delays would not change the original terms on my loan. The interest rate lock that we agreed upon expired Please review and investigate why they cancelled my filed. I want to move forward however, the interest rates for loans have now increased.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card
Issue: Rewards

Complaint:
Wells Fargo 's informed me that they made a " business decision '' to close some of my accounts. I have numerous concerns related to the accounts which are slated for closure, with that said : Since Wells Fargo has determined to close my cash back visa signature card account through no fault of my own, I am left with serious concerns that my pending cash rewards will be forfeited & that my rights related to the Fair Credit Reporting Act have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card
Issue: Balance transfer

Complaint:
A few months ago, I took advantage of a 0 % for 18 months balance transfer offer from Bank of America ( BOA ) with a initial one-time balance transfer fee. I already had a roll-over balance ( for purchases ) on the card. I 've been paying well over the minimum payments monthly and my interest charges on the roll-over balance have not decreased. I called BOA to inquiry about why my interest charges were not decreasing and they informed me that all my payments were being applied to the balance transfer and not the roll-over balance. I thought I was paying toward the roll-over balance. This does not make sense because I performed the balance transfer so I would not have to pay off that balance for a period of time ( interest fee ). I asked if this could be adjusted and they responded " no. '' I would have to pay the entire roll-over balance in full and eliminate interest. I do n't think this is reasonable.

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 2017-03-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In 2000 I attended a XXXX in Pa. The School is no longer and I the Sallie Mae loan was the lender the school was using. The loan has gone into default I can afford to pay the loan or the interest Sallie Mae is asking. What can I do to settle this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In 2007 I took out an equity loan with Bank of America for {$25.00}, XXXX. The original documents for the loan have been misplaced and after 9 years I inquired on the loan because it had been so long and figured I was almost done paying the loan off. I am a senior and currently on XXXX so I live on a very limited income. When I inquired on the loan I was informed that the loan would not be paid off until the year XXXX and it is my belief that I am being scammed. I was informed by the agent that out of my monthly payments only cents are going towards the principle of the loan. I asked for copies of all documentation to be sent to me because I wanted to see how much I have paid and how much has gone to the principle. I was not sent the information. I was sent what looks like an agreement that has my signature on a back page that is not attached to the agreement. I will not be alive in XXXX and this loan will continue to exist. I believe Bank of America purposely preys on senior citizens and I do not believe I have not paid anything towards this loan in the last 9 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I had fraud on my card. I notified the bank immediately. The bank cleared all the fraud charges. After my card with fraud on it was frozen I received a valid credit onto my card from a vendor. I contacted the bank within days that the credit was valid and should be transferred to my new valid card. On approx day 5 I was told the credit was erroneously applied to the closed card and would be fixed within 30 days. I called back 3 weeks later and was told the fix had not been completed and that the " IT '' fix to move my money was not done yet. Finally after 30 days nothing was posted to my new account. I called back approximately on day 37 and at this juncture I was told that my credit would now be moved to my new account number and that it would be 1-2 days more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2012 I got a divorce. Bank of America was giving me the run around about how to get my name off the title and the loan, since it was under my ex husbands VA loan. Finally after 3 years I was able to talk to the VA and I was able to do a quitclaim Deed. Once I sent that into BOA I was informed that all of the BOA information would be taken off my credit. This is still reflecting on all XXXX of my credit reports, and killing me. I have called BOA multiple time and no one can tell me why it 's still on my credit because my name is off the loan completely. Between getting ready to XXXX from the XXXX and trying to buy a new house do to expanding my family this procedure has been a nightmare. Please help me in this matter. My ex-husband has continually been late on the mortgage.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: MO
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 am a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX  Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much

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 2017-01-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My wife attended XXXX XXXX XXXX School in XXXX, CA from XXXX XXXX, XXXX to XXXX XXXX, XXXX. We were lead to believe that we needed to take private loans in order to pay for this " highly for profit " school education. We took out a loan from XXXX XXXX for {$38000.00} and got an addition of a {$2300.00} prepaid finance charge plus a {$6700.00} and {$2700.00} capitalized interest fee. We also took out a second loan to help pay for expenses while my wife was in school. The XXXX XXXX loan was originally for {$12000.00} which had the addition of a {$720.00} prepaid finance charge as well as a {$2300.00} and {$1100.00} capitalized interest fee. We took both of these loans and consolidated them with XXXX for a cheaper rate. Before the ink could completely dry with our loan XXXX, XXXX XXXX lured us back with just a slightly better rate. So we came back. But now with the interest from XXXX, the loan we took out from XXXX XXXX was for {$73000.00}. Since our first payment on XXXX XXXX, XXXX we have paid {$41000.00}. Of that amount {$32000.00} has been for interest ( {$1900.00} - capitalized interest ) with the small about of {$9300.00} being applied to the principal. Almost 10 years later and our loan of {$73000.00} is only down to {$63000.00}. It 's just not right. We feel like we 've been taken advantage of, lied to and ripped off. We find not only Navient and XXXX XXXX but XXXX XXXX XXXX to be at fault with their unscrupulous practices. Who knows where we might have been financially if not for the predatory ways. It 's caused great headaches and credit card debt and other consolidation loans all with the fear of not missing these student loan payments. We want them to pay for damages of stealing from us. For taking something that was manageable for us in the beginning and making it grow in to something that we feel like we will carry for decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
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:
XXXX/Navient, continually misapplied extra payments I submitted. They went to the wrong loans, usually the lower interest only ones and the subsidized, instead of the higher interest loans and un-subsidized ones which were more costly to me. This required multiple calls to fix and hours of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my GAP insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.

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: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax on XXXX/XXXX/XXXX sent a copy of my credit report including my SS # and credit information to an old address where I have n't lived since XXXX XXXX. And thus put me at extreme risk of identity theft. Equifax did this despite refusing online to give me a copy of my annual credit report because they could not confirm my identity and current address! I sent Equifax in XXXX and XXXX XXXX my correct address both online and by mail with copies of indentifying documents requested to verify my identity and current address. I think it only fair that the CEO of Equifax be ordered to send me his SS # and credit report so that I can then send it to WHO-EVER I want and expose him to the same risk of identity theft that he exposed me to. XXXX and XXXX did not do this, what the XXXX is wrong with Equifax?! Maybe I should be talking to an attorney for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
See attached letter of XXXX/XXXX/15 from me to Bank of America for more detail. On XXXX/XXXX/15 I answered an internet ad for a sample of a product that was advertised as free except for a shipping charge of {$5.00}. I provided my XXXX card number for this charge ; but, when I received the credit card monthly statement there were charges for not only {$5.00} but another charge for {$1.00}, also supposed " shipping '' as well as XXXX products charged at {$89.00} and {$85.00}, totaling {$170.00}, which total later somehow became {$230.00}. I immediately telephoned XXXX card member services, and the agent said these charges would be placed in dispute and credited to my account. The next billing statement still showed the disputed charges as {$180.00}. I called XXXX again on XXXX and was told that this amount would be credited and a check would be issued to me for {$53.00}, supposedly for an additional credit, and that the account balance was then XXXX. However, I then received a letter from Bank of America dated XXXX saying that the vendor did not agree to this and requested " documentation '' from me such as a " date you canceled with merchant, '' " their response, '' " proof, '' " date merchandise returned, '' etc. Bank also required me to sign and return their letter if I still disputed these charges, and I did so. Bank 's letter and my response were faxed to them on XXXX/XXXX/15. Then in a letter with postal date of XXXX/XXXX/15 Bank of America said that the vendor of the second item disputed the credit to my account and requested the same type of information and return of Bank 's letter by XXXX/XXXX/15 indicating whether I still disputed the second charge. I intend to do so and continue to dispute the charges, providing the same response that I provided on XXXX/XXXX/15. I have complied with XXXX/Bank of America 's requests in addition to contacting the so-called merchants about these disputed charges. Today I tried to research the merchant and could not reach their XXXX XXXX office by telephone. The person answering the number I telephoned merely transferred me to a line that provided for only a recorded message. It 's apparent to me that the so-called merchant ( s ) are merely fraudulent scam artists and that Bank of America is aiding and abetting their scam. This constitutes harassment, and I request your help to stop it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: GA
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 requested to go into forbearance but I was told I was n't eligble, I tried to pay the loan off and I was told I could n't pay the loan off that I needed to keep making payments. I asked Navient if I could get lower payments due to financial hardship and I was denied lower payments. Navient would n't work with me and it 's not affordable for me to pay, then because I was denied the opportunity to pay it off the interest is increasing on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
I have multiple promo rate balances, at different rates and expiring at different times. The last XXXX statements, beginning with my XXXX statement, Bank of America stopped reporting the balance owed under each promo rate plan. I called customer service after the XXXX statement and was told it was probably just a glitch, as they had just switched over their system. Today, I chatted them online, and they told me their new policy is that they " no longer include the balances for the promotional offers on our statements. '' I informed them I believed that was illegal, and I would contact CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I buy the house in XX/XX/XXXX, my parents got sick and I had to come to calif in XX/XX/XXXX, icontinued to make payments while my house was for sale. I was unable to sell the house so I called b of a for some relief, all I got was the run around for the past 18 months!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2017-01-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Multiple student loan entries from Navient, routinely reporting erroneous information including, not reporting deferment status on all loans, varying interest rates, and other false information resulting in high debt to credit ratio, even though in deferment. In addition, I am a XXXX service-connected XXXX veteran. I am in a documented financial hardship position on the verge of homelessness. Navient has been unresponsive in answering my questions and guiding me to options pertaining to financial hardship and debilitating injuries rendering me unemployable. I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Pioneer Credit Recovery is fraudulently claiming to be collecting on a debt for the XXXX. They call me weekly and demand payment. The XXXX terminated their relationship with Pioneer Credit Recovery in XXXX of 2015. Payment for my XXXX loans is being made through IRS tax garnishment. It is my belief that Pioneer Credit Recovery is committing wire fraud since they have no professional relationship with the XXXX and therefore can not collect debts on their behalf. I want other debtors to be wary of making any payments to this company.

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 2022-08-25
Company: Ocwen Financial Corporation
State: AZ
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:
First off this is a CARES ACT violation -- I will be filing complaints with US GOVT who administers that -- ( treasury department ). I started with XXXX in XXXX. 30 years of payments later- they CLAIM I still owed XXXX. XXXX what I started with. 

THEN -- -when they told me the loan payments were paid -- -all payments made- in XXXX XXXX XX/XX/XXXX they reported me late. First off- they gave me a concession -- forbearance-. it was current- therefore its illegal for them to report it late. 

They are in violation of the CARES act and I want these late payments removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/14 my checking account was in the negative and the bank took it upon itself to transfer funds from my joint checking account into the checking account in the negative. I did n't ask, request or authorize them to do this. Nor, did I sign anything giving them permission to do this action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation