BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On Friday XX/XX/XXXX I filed a claim on a transaction from a merchant for a product/service I did not receive when I tried to send a fax at XXXX. A short time later, someone from XXXX, the business I tried to send the fax to, informed me that the fax was too dark to read. At that point I contacted XXXX to inquire about a refund and was told by an employee ( XXXX ) that I could not get a refund since I no longer had the receipt. I then called the Bank of America claims center to recover what I had spent and the representative informed me that order to have my money returned I would need to contact the business that received the fax and have them write to Bank of America on company letterhead with an explanation that they could not read my fax. Bear in mind that the total amount of the claim is about {$5.00}. Bank of America required this step in spite of my having gathered the name of everyone I dealt with at both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i keep getting calls to my number [ i got this number from my dad on XXXX/XXXX/15 and used to belong to my aunt ] and i have gotten at least XXXX calls from them in 2 weeks and have asked them 4 times to remove my number and once should be enough, and now they are refusing to remove my number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Went to a bank of America in XXXX XXXX XXXX and XXXX XXXX as an active customer with a government check and they would n't cash because of the way I looked then I went to every bank in the area as a non customer and even from where the check was drawn and still could n't then returned mad as still the customer and then after screaming at what the mgr woman with XXXX they then did

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Colony Brands, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Received a voicemail from the collection bureau of XXXX attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Cash advance fee

Complaint:
XX/XX/XXXX I attempted to close out my Bank of America checking/savings accounts. The representative told me that once all funds were removed, the account would be automatically closed within 90 days. This was not the case, however, and after several more calls and several more months of dealing with representatives, my accounts were not closed even when I explicitly asked the representative to close the account. Ultimately, on XX/XX/XXXX, more than one year after the initial call, my debit card was used for a fraudulent purchase of {$100.00}. On XX/XX/XXXX, I called B of A to complain, file a fraudulent claim and to finally close my account. The representative told me all fees would be waived and I would not be responsible for the charge. The account was refunded, from - {$100.00} to {$0.00}. Finally, on XX/XX/XXXX the checking and savings accounts were closed. On XX/XX/XXXX I received a bill from Bank of America 's credit card unit for the {$100.00} cash advance that was used to make the checking/savings account whole. I called B of A and they told me that the {$100.00} charge would be taken care of and I would not be responsible for that charge. They claimed it was a mistake and that I should not have been charged the {$100.00} cash advance because the XX/XX/XXXX call established a fraud claim. Then, on XX/XX/XXXX, I received another B of A credit card statement with the same {$100.00} charge. The initial cash advance fee had not been taken care of from the XX/XX/XXXX call and I was again being charged for the cash advance from the fraudulent charge. I called Bank of America again on XX/XX/XXXX and told the same story. The representative told me that everything would be taken care of, but to call back in a couple days to ensure completion. I called back on XX/XX/XXXX and, after a 2.5 hour phone call, was told I would have to pay the {$100.00} charge on my credit card and wait to see if I could be reimbursed if the fraud department confirms that it was the result of a fraudulent charge. The representative from the fraud department told me reimbursement would take approximately 90 days. Thus, after a year of trying to close out my account and being stonewalled by B of A, a fraudulent charge occurred on my account and B of A required I pay that charge ( coincidentally they closed out my account right in time to send that charge to my credit account, but not during any of my previous calls ). B of A then failed to rectify the issue and required that I could only be reimbursed for that cash advance once their fraud investigation was completed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2015, Bank of America wrote me to state they paid a XXXX insurance policy To XXXX with my escrow money and I might not have enough escrow funds. I do n't have XXXX XXXX. I have used XXXX XXXX for the 10 years since I owned this house. I called, they admitted paid someone else 's policy with my money. BUT they will not pay me back the money until XXXX repays them AND it has my name on the check. Why would XXXX have my name!! I call often, can never speak to a supervisor. I am told each time 7 to 10 days I will have the money back. It has been over 7 months with no resolution. NOW they have just increased my monthly mortgage payment by {$220.00} to cover their mistake! Bank of America has taken no responsibility for their error. They readily admit it is their error. HELP. 
They admit the paid the insurance for some other home with the same street address in some other city and state. When you place a street address in XXXX maps you can find TONS of addresses in different cities and different states with the same street address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-16
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls 6-8 times a day to collect on a debt and when I call and complain that they are changing the terms and conditions of the loan agreement, I am being told the grace period they offered was just a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
In the past 10 years I have requested wire transfers from XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX and the amount received by XXXX XXXX ( XXXX ) has always been the amount of the Transfer requested. I researched Bank of America 's Int'l Wire Transfer fees and determined the fee was {$45.00}. When I initiated the wire with BoA, I was advised that there " may be '' an Other Fee of {$25.00}, in addition to the {$45.00} fee. Based on my previous experience I felt this fee would not be charged, but {$25.00} was deducted from the amount transferred. I tried discussing this fee with BoA, but they could not tell me who received this fee or who actually requested it to be charged. In effect the fee is {$70.00} rather than {$45.00} as they advise on their web site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
As a Bank of America customer, I got automatically enrolled in the Bank Of America Privacy Assist program in XX/XX/XXXX and was charged $ XXXX/month since then. I saw the press release published at : XXXX I canceled my account today ( XX/XX/XXXX ) and wanted to get a full refund starting with XX/XX/XXXX. The customer representatives from BOA Privacy Assist stated that my account was not affected by the " unfair billing practices '' mentioned in the press release, i.e., I was not part of XXXX customers. Would it be possible to confirm that this lawsuit affected only a subset of Bank of America Privacy Assist customers, or am I being deceived by the Privacy Assist team?

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 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have issues with the transaction of my Mortgage. I attached a formal grievance letter stating the areas of concern regarding the transaction of my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015, My personal checking account at bank of America was closed without any warning and good reason. this cause my financial difficulty and unknown damaged in the future. 
After calling BOA several times and provide the information that they need, they still freeze my money and said take 7 days to resume my account. At this time I have no confidence to the bank of america and hope this is not some employee try to cheat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has been Dual Tracking me for years unofficially and since XX/XX/XXXX publicly. 

On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me an appeal. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing on a previous MHA HAMP. On XXXX XXXX, XXXX Bank of America forwarded my account to foreclosure. On XX/XX/XXXX Bank of America negligently denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP on appeal. On XX/XX/XXXX Bank of America granted me MHA HAMP and a MHA HAMP TPP on appeal. On XX/XX/XXXX Bank of America fraudulently denied me MHA HAMP through CRM/SPOC issued correspondence and continued to do this through XX/XX/XXXX. In XXXX XXXX Bank of America put a cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America fraudulently reaffirmed the incorrect appeal denial. On XX/XX/XXXX Bank of America removed the cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing during the modification process. On XX/XX/XXXX Bank of America incorrectly caused to be recorded a Notice of Default. On XX/XX/XXXX Bank of America negligently caused to be recorded a Notice of Trustee 's Sale. On XX/XX/XXXX Bank of America fraudulently caused the sale of my home and property. On XX/XX/XXXX Bank of America fraudulently caused the recording of a Trustee 's Deed representing to me and the public my home and property had been sold at public auction. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.

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 2017-01-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have called numerous times to lower my almost {$300.00} a month student loan payment.. due to it being a " private loan '' they could not offer me a different repayment plan. Nor could I put this into forbearance. My husband does not have an income at the moment, and still nothing basically either pay it or they will continue racking up the late fees. This loan was for XXXX XXXX XXXX in XXXX tx

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: GA
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:
Inaccurate personal information are on my credit reports. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a second notice from XXXX  stating an account was sold to them XX/XX/2022 and the new owner is XXXX XXXX XXXX I previously sent a letter requesting validation of the alleged debt which : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract on all accounts and they did no such thing I am now receiving harassing mail and email I requested them to cease and desist ALL communication from me! and they have violated my request. First and foremost, it is illegal for a collection agency to buy up a debt and assume that the debt is yours without a consumers written consent. YOU have failed to validate the alleged debt which you are in violation of my rights per the FCRA for falsely reporting unvalidated information on my credit file. I am requesting a COPY of the alleged original consumer contract SIGNED by me unless you can provide the requested documentation you are violating my rights as a consumer. A statement is not a debt validation you are in validation of my consumer rights. Pursuant to the Fair Debt Collection Practices Act, STOP communicating with me regarding the above-referenced accounts.

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 2016-06-02
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I made contract with PNC Bank. I opened business account and contracted credit card merchant service on XXXX 2015. XXXX, who is a sales agent, promised me that I will get total of {$600.00} for opening & activation. From my {$600.00} money credit, she took {$400.00} for credit card merchant service activation fee. Therefore, she said I should get {$150.00} in cash & {$250.00} in my business bank account. However, money never came to me. I contacted main PNC merchant service center & the money back requested never been made since I opened the account. She is ignoring my text message, phone calling since last year of XXXX. She never shows up on any of PNC Bank in XXXX XXXX Georgia.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing LLC ( SLS ) XXXX XXXX XXXX XXXX, CO XXXX or XXXX XXXX XXXX XXXX GA XXXX bought our mortgage loan from XXXX ( XXXX ) on XXXX XXXX, have not been late with payments, now they have increased payment by {$300.00} a month because escrow was short to pay XXXX tax, offered to pay the difference to keep payment at original but said they could not drop monthly amount until 12 month review. I now want to pay tax and homeowner insurance myself I would save by paying quarterly.I have filed Homestead with FL which will reduce XXXX tax by 50 %. SLS after reading reviews appears to be a questionable co. that needs to be investigated. I offered to pay my original monthly payment and pay up front the difference in escrow shortage for XXXX taxes so long as my monthly payment stays the same as it was.SLS will take my money but will not lower my payment to what it was.

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 2023-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting and XXXX Account, Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to my 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.

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 2016-05-25
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had an open account with SLS that required a balloon payment. I contacted the lender to request options for putting that balance on repayment. They told me there were no options. My husband, XXXX, passed away XXXX years ago. I am a XXXX who lives alone on a fixed income. I hoped that the lender would be able to work with me to find a repayment arrangement that would work for both of us, however, they were not willing to provide any options. 
I then went to my local bank to apply for a loan to pay the balloon payment. That loan was approved and disbursed on XXXX XXXX, 2016 with payment sent directly to Specialized Loan Servicing LLC from my local bank ( copy of check is attached ). 
SLS did not process my check until XXXX XXXX, which was two days after the date of the payoff they quoted ( copy of payoff letter attached ). I then received a statement dated XXXX/XXXX/16 requesting a payment due of {$120.00}. I contacted SLS and they insisted I owed the {$120.00}. You will see by the statement attached the balance reflected as of XX/XX/2016 is - {$47.00}. I do n't understand how I could possibly owe them {$120.00} when I have a credit balance. The representative insisted I needed to make the payment. 
Today I am mailing them a check for XXXX days worth of interest from XX/XX/XXXX ( date of payoff quote ) to XX/XX/XXXX, which should clear my account in full. Although I truly do n't believe that it took 23 days for the check to be delivered via US Postal service from XXXX, XXXX to XXXX XXXX, XXXX. Had they processed my check timely, they would have had the payoff significantly prior to XXXX XXXX. 
It appears from my experience, SLS is not in the business to service their customers, but rather to bully them.

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 2016-07-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # 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