BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX XXXX XXXX/XXXX/1962 American express send me this letter about an account and a request for a second card. 

I NEED THIS TO BE CLEAR I DO N'T HAVE AN AMERICAN EXPRESS CARD AND AND NEVER REQUESTED AN AMERICAN EXPRESS CARD. 
someone has stolen my id and applied for a card in my name see attached doc I need for this to be stopped and some XXXX call me at XXXX to get this resolved. 

i have been on the phone of over an hour and was transferred to XXXX THREE TIMES THEN TO XXXX THEN TO THE XXXX AND NO ONE COULD HELP ME!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I bought a new Toyota Tacoma from XXXX XXXX in XXXX. My bank approved me for a loan for 2.49 %. I went to the dealer to close the deal I was with the finance person. They said Bank of America matched the loan amount of 2.49 % and that I was already approved and could get my vehicle now instead of waiting for 2-3 for the bank loan to clear. Then I was hit with high pressure misleading warranties to add on. I said I was not interested the pressure and the assurance that total vehicle protection was offered and that it only raised my payment slightly, but I had to make a decision right then and there to take the warranties to add them to the financing, I was hesitant as the the pressure tactics were fast aggressive, and very vague. I was told if I did not take the warranties now I would have to pay higher cost later and would not be able to finance them. They finance agant at XXXX said that the BoA agent she was online with dropped my financing to 1.79 %, so I took the warrranties. A few weeks later, I took the vehicle in for service and was told the items I was claiming under the protection package was not covered after I was told it was before I accepted them. To make a long story short, they refunded my money but refuse to talk with me or address my items that they said they would not cover.

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 2015-06-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
On XX/XX/XXXX I was contacted by XXXX of XXXX about an old credit card debt that I had with Providian XXXX. He stated that I had filed for a credit card under false pretense and that I had a complaint for  the theft of a credit card account.  I told him that I had never heard of this credit card and never received any paperwork regarding a credit card and a debt.  I asked him if he would send me the paperwork regarding the debt which he told me XXXX then I was emailed an agreement to start making payments and the document's total was XXXX. I refused to sign it and I was practically bullied into giving my credit card information so I could start making payments. I told him that I always check my credit every month through XXXX and an account from Providian has never been placed on my credit report. My credit is average and Providian has never been on my report. Then he gave me XXXX different dates when the card was in status of "charged off" XX/XX/XXXX and I stated it is past the statue of limitations and then he stated XX/XX/XXXX.  He refused to mail the paperwork so I could see documentation of the exact date I had applied for the credit card. He told me that I would be sued and have to pay attorney fees I was afraid and I gave him my credit card information but when I received the agreement from the amount had jumped from XXXX to XXXX dollars and I refused to sign. In addition, the documents he emailed me were dated XXXX and I have until XXXX to sign them. I did not make initial contact until XX/XX/XXXX. I responded to an email and stated why wasn't I mailed this document sooner?
I really feel threatened because I don't think he wanted to listen to me and he kept placing me on hold stating that he was preparing the paperwork but then when I was emailed the paperwork that did not have the right dates on them which I talked with him in XX/XX/XXXX the documents had already been prepared months ago and they never made contact with me.
They had the wrong zip code on the paperwork so if it was mailed it went somewhere else. I do not appreciate being treated like a criminal when I haven't heard anything about this company. I have been a victim of identity theft but I feel I am a victim of being criminalized of something I have no clue about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am working with the Florida XXXX  Homeowners Assistance Fund and was awarded 18 months of mortgage assistance with Amerihome Mortgage company which began on XX/XX/2022. However, Florida XXXX Homeowners Assistance Fund ( HAF ) repeatedly states they sent the XXXX payment to my servicer on XX/XX/2022, but my servicer repeatedly states they have not received it. The way the process works is that HAF sends the servicer one lump sum check with payments to be applied to each individual customer 's account, not individual checks. It has been almost a month and still no payment has been applied to my account. It should not take a month to receive/apply a payment. I had to borrow the money and make this payment myself today to avoid getting a 30-day late notice on my credit report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello and thank you for your time!! I am a XXXX year old XXXX currently approx. {$140000.00} in student loan debt with a monthly payment of {$1500.00}. I have made multiple attempts over the years to try and lower my monthly payments and have also tried to refinance and consolidate my loans, and have been unsuccessful in every attempt. My loans are private and thru Navient and XXXX XXXX. Do you folks have any advice or help to offer? Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Discovered Navient has been raising my loan amount. My previous lender did not do so. Navient representative stated it was due to my interest rate. My interest rate is fixed and did not rise when with my previous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced with Countrywide XXXX XXXX, XXXX and my home was valued at about {$390000.00}, an increase in value of about {$150000.00}. In XX/XX/XXXX, I applied to Bank of America for a HAMP loan. It was a horrible process. I talked to a new representative every time I called. I was told to skip a payment and it would roll into the final loan without causing any problem to my credit. I was finally given a HAMP loan at 4.25 % interest, increasing to 5 % after 5 years. My monthly payment was reduced by less than {$200.00} ( Principle, interest, taxes, insurance ). In XXXX, XXXX my monthly payment was {$1200.00} for principle and interest at 4.25 %. It is now, after completing in XXXX, XXXX, $ XXXX/month at 5 % interest. My principle was reduced {$5000.00} after completion. I have repeatedly tried to re-fi and I " do n't qualify, '' primarily because of my credit. 
My credit is in a shambles. I have n't had a raise since XX/XX/XXXX and had a 2 % pay cut for almost 2 years. I am an XXXX and have worked here for 28 years. Even so, I have been an excellent customer for BOA since XX/XX/XXXX ( though I fought with them to correct my credit when I skipped a mortgage payment at their request ). 
Now I am trying to get a HARP loan and, again, " I do n't qualify. '' Today I was told that my re-fi was an unconventional loan and did n't qualify with MHA. That is the first time I ever heard that. When I objected, the rep talked to someone a second time and he told me that XXXX XXXX does n't own my mortgage. I checked on the XXXX XXXX site and XXXX XXXX has owned it since the XX/XX/XXXX re-fi with Countrywide. If I do n't, then BOA did something to my mortgage that I was never aware of. 
Over the years, I have been told many different, conflicting things by BOA representatives. After the rep gave me XXXX unrelated reasons why I did n't qualify today, I see no reason to keep talking to them. 
I simply want to be able to afford the home I 've lived in since XX/XX/XXXX. BOA has not helped me, in fact, they have made my finances much, much worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Credit account was transfered to Comenity Bank by XXXX XXXX XXXXXXXX. I was not aware of the transfer until I tried to log into my account and got an automated message saying to call the number on the card. I have no card. Looked the bank up via XXXX. Got in touch with a service rep on XX/XX/XXXX was informed card would take 7 to 10 business days. Called back on XX/XX/XXXX. ( XXXX XXXX XXXX ). Service rep wanted my social security number, I refused to give it. I asked him what address did they send the card to, he couldn't tell me. I received a bill from XXXX XXXX XXXX credit via my e mail. I want this account closed. I want access to see what charges were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XX/XX/XXXX, shortly after leaving XXXX with {$140000.00} in student loans, I entered the XXXX and requested my Federal and eligible loans be placed in deferment. The request was denied without explanation. Instead, the loans were placed in forbearment with interest accruing and CAPITALIZING. XX/XX/XXXX, I entered an XXXX and again applied for deferment. Again, XXXX XXXX rejected my request, even though ALL other XXXX at the same time received a deferment. Even my base commanding officer went through all the proper channels to enforce the deferment as he had never seen a rejection in 18 years of running XXXX and XXXX. These rejections took my student loans from {$140000.00} to more than {$210000.00} in debt, mostly from interest accruing and capitalizing. 

Additionally, my credit score was destroyed, going from a XXXX my entire life to less than XXXX at one point ( XX/XX/XXXX ), causing me to be ineligible for even a basic car loan. It was horrific. 

When it came time to buy an XXXX XX/XX/XXXX, my credit was so bad it almost did n't happen. However, I found a bank willing to loan me money, but at 9 % rather than the average at that time of 6 %. 

I have aggressively paid down loans with {$10000.00} still remaining. 

The damage, though, was prolific. I have paid higher interest rates on car and home loans ( 0.5 - 2 % ) over the last several years, costing me tens of thousands of dollars. More than {$100000.00} in added fees, added interest and destruction of my credit. It has taken me more than 10 years to restore my good credit and my life. 

If ever there was a poster child for malicious denial of deferments by a corporation with power, it is me. If ever there was an example of the horrendous actions and crimes committed against a good man, a XXXX of children and adults, this is it. 

It is my opinion I am due restoration. Thank you for prosecuting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
NAVIENT IS THE SERVICER OF MY LOAN, I HAVE BEEN MAKING PAYMENTS FOR YEARS AND MY BALANCE HAS NOT MOVED. I SENT THEM A LETTER ASKING FOR STATEMENT SHOWING PAYMENT HISTORY NO ANSWER. I SENT THEM A LETTER ASKING THEM TO PROVE THEY OWNED THE LOAN AND THE PURCHASE OF THE LOAN FOR DEPT OF ED, NO ANSWER. THEY ARE IN VOLITATION OF FDCPA BY NOT PUTTING MY ACCOUNT IN DISPUTE ON MY CREDIT REPORT AND NOT ANSWERING MY QUESTIONS ON THE DEBT, THEY CONTINUE TO BILL ME AND IGNORE MY REQUEST FOR VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a Check from my XXXX XXXX Account to my Bank of America Account. 
I deposited using a check because it was after hours on XXXX XXXX, 2016. 
On my receipt the deposit receipt says that the check has been placed on a 10 day hold because " XXXX XXXX is reporting that there is a high likelihood '' that this check will not be honored. 

1 ) When I wrote the check the funds were available on deposit at XXXX XXXX Bank. 
2 ) XXXX XXXX Bank is communicating to third parties that my checks are high risk according to recorded conversation by Bank of America! 
3 ) Bank of America is placing holds on checks for extended periods ( 10 Day ) and then not taking that hold off once the checks are cleared by the bank in which the check was written against. 
4 ) This is denying me access to my funds. 
5 ) In this case, I know for sure that this check cleared on XXXX XXXX from XXXX XXXX Bank. 
6 ) On XXXX XXXX, 2016, Bank of America restated that " XXXX XXXX Bank '' was advising Bank of America Bank that the check was to be considered high risk, even though the check had cleared XXXX XXXX on XXXX XXXX, 2016! 
This is false information and I have discussed this with XXXX XXXX and nobody knows how to fix it! 

I want XXXX XXXX Bank to STOP reporting false 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 monetary relief
Consumer complaint received 2016-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 've submitted a complaint before concerning Bank of America 's " Extended Overdraft '' fee. I was wondering if any regulations are in the works and exist to eliminate this outrageous fee. Bank of America has decreased the time for having an " Extended Overdraft '' from 2 weeks to 5 days. Bank of America had a XXXX profit last year, plus having been bailed out by taxpayers, when will the government crack down on this bank? I 'm currently overdrawn by {$9.00}, which is my mistake and I 'm not arguing about the {$35.00} overdraft fee. However, for Bank of America to charge a total of {$70.00} for a {$9.00} overdraft. When is the government going to crack down on this greedy bank? Thank you for taking the time to read my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an account fraudulently opened under my name, XXXX XXXX. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved

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 2016-11-11
Company: Navient Solutions, LLC.
State: NY
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:
I had a 60 day past due status reported to the credit agencies by Navient, but my XXXX statement and XXXX statement both show no amount past due. My account also has a " 3rd Delinquency Notice '' on XXXX XXXX, but there is no first or second notice. Additionally, since the claim is that I was 60 days past due on my XXXX payment, the fact that it was reported in XXXX makes no sense - it also should have showed up in my XXXX statement which is less than 60 days. I have called and sent in a complaint via their dispute mechanism, but never received a response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX trans union are not complying causing me discrimination and they admit to it neglected XXXX past time to fix by law.wheres the protection

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 2015-11-24
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am currently a customers with XXXX, service that pays toll roads on your behalf. When my debit card had to be destroyed due to fraud they were unable to process my payment. They turned the debt over to Municipal Service Bureau, a private debt collection company. They issued me a bill and I paid it. They then issued me further bills after this payment. 

I disputed this payment both by their internal methods and by a certified letter saying that I did not understand these charges and that I believed that they were in the wrong to issue further late charges as a debt collection agency. I contacted them regarding this letter and was told they had no record of my debt. 

Later, I received another notice that payment was due. I told them that I would not pay the late fees, but offered to pay the original tolls. They would not accept this resolution and now have a total due for me of {$200.00}. The original tolls total : {$28.00}. 

I have made clear to them that I will not pay this and am now seeking other resolution options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My loans came due for repayment and I contacted my servicer to consolidate my loans so that I could make one payment to XXXX servicer. Logged in at nslds.ed.gov to get a run down of what I actually owed, $ XXXX completed the necessary application on XXXX/XXXX/2016 with FedLoan Servicing since I already had some of my loans with them. So finally on XXXX/XXXX/2016 they sent me notice that my consolidation was complete and that payment was due. I log in, excited to have it all in one place, and then HORROR! I now owe {$120000.00}. I called them immediately. The customer service representative had little explanation and quickly got me off the phone. While I understand that interest compounds daily on student loans, I do n't think the debt can grow by {$50000.00} in one month. I am not a math genius, but I 'm also not an XXXX. I logged back on to nslds.ed.gov to check what they show and they clearly show {$78000.00}. That sounds more logical. How and what can I do to make this nightmare go away. I already get sick each time I look at this debt but to think that I just got charged for graduate school without attending is a bit sickening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was under the impression that during a forbearance period that my lender navient would not report my student loan to collections reporting agency causing my student loan to affect my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please see case number XXXX. I continue to get calls. I called and asked to speak to a supervisor and he said he could not help me unless I gave him my SSN.

Company response to consumer: Closed with explanation