BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've had a morgage for about 16 years, never late until recession when I lost my job. I paid two months behind for about a year, then caught it up and have never been late since. I did have to bankrupt in the recession, but I reaffirmed on my mortgage. Mortgage started with Countrywide, then went to Bank of America, then XXXX XXXX, then XXXX, and now XXXX. At some point, was reported by Bank of America that mortgage was included in bankruptcy when it was n't. I submitted documentation at that time showing it was reaffirmed from my lawyer both to Bank of America and credit bureaus. Bank of America discovered they had my social security number wrong by one number, and it was THEIR error, but they said they could not straighten out my credit report, they refused, and then when I disputed with credit bureau, they REMOVED my mortgage account all together and say they can do nothing else. XXXX, who now services my account, assured me they would report, but now Bank of America account is back on there as being included in bankruptcy, then XXXX is listed separately under adverse accounts, says was included in bankruptcy, and that account was CLOSED and included in bankruptcy in XXXX of XXXX. My bankruptcy was in XXXX. I have launched disputes online again, but XXXX credit bureau would n't let me dispute anything about Bank of America again. I do n't have the money for an attorney, and I have suffered all these years when my credit should be much further along in being repaired. I have been turned down and given higher rates due to this. It always says " lack of real estate loan '' and such. I feel like there is nothing I can do now.

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 2016-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America allowed XXXX withdraws from a XXXX credit card account from my checking account. {$12000.00} taken between XXXX XXXX and XXXX XXXX XXXX all of the payments where sent through a XXXX credit card EPAY system and all were +/- {$2000.00} amounts. 
This is a clear violation of several laws Title III : International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 - Bank Secrecy Act - PART 353 -- SUSPICIOUS ACTIVITY REPORTS 12 U.S.C. 1818, 1819 ; 31 U.S.C. 5318.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IL
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:
I took out loans for a large sum to put XXXX children through college. Total loan amount was just under {$200000.00}. One day after paying on the loans for over a year, I noticed the balance at {$200000.00} and when I called they said that I was late on XXXX or XXXX payments. I challenged that fact and they said it was only a couple days each time, but it caused my interest rate to go up .25 % from the inception of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a payloff for my Greentree Account because of the poor service provided, they are crooks in every form of the word and should not be servicing mortgages period. Let me explain ; I received a payoff on my account, while at the bank transfering the amount to greentree, I called their customer service group and told them what I was doing, the representative informed me that my scheduled automatic payment could not be stopped, I asked her to note my account that I was wiring the amount on the payoff letter minus the amount being automatically withdrawn which she could not stop. I followed up with greentree servicing and they have failed to clear the account and now have an additional amount of {$400.00} Interest on a balance of {$1900.00} and despite many calls to different supervisors, nothing can be resolved. Clear and close my account, beware of this group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Per an Independent Foreclosure review conducted by the Office of the Comptroller, they concluded that Bank of America practiced " deficient mortgage servicing and foreclosure processes. '' This foreclosure review relates to the following Bank of America accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$32000.00}. I received compensation from the Office of the Comptroller as a result of this ruling. 
Pursuant to the Independent Foreclosure review performed by the Office of the Comptroller, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information on my credit report, which was based on " deficient mortgage servicing and foreclosure processes, '' caused me to be denied employment.

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 2016-01-02
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My interest rate with Navient is 10 % and it is n't fixed. The payment they require to even make a dent in the principal balance is extremely high. They told me there is nothing I can do to lower my interest rate. No one refinances private student loans either that I know of. I just feel like I 'm drowning in these payments to Navient and I have n't seen my principal balance go down at all in 5 years of paying them. I already pay on my Federal student loans as well. I just do n't know where to go from here or how to get a lower interest rate so that I can start making a dent in my debt. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America charged fees for a payment that was sent on the XXXX of the month, when their new monthly cycle starts. I called them and they would not refund it. XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. Thank you!

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 2016-06-07
Company: OLIPHANT FINANCIAL, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have filed several complaints and am getting nowhere. I am attaching XXXX response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. 
They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. 
This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been engaged in a loan modification with bank of America for the past XXXX years. I feel I have been treated unfairly. For months chasing someone to follow up with only to find out they are reassigned or no longer with the bank, but then finally it seemed that we were on track. After filling the same paper work for the XXXX time submitting pay stubs bills etc. again and again finally the modification was approved. I received the conformation letter for the trial on XXXX XXXX 2015 and made the first payment on XXXX XXXX as instructed. Few weeks later the bank called to say that the approval was in error and we have to do it all over again so we did. Now it has been denied for reasons that I do not understand, I have complied with all they have requested, the house is scheduled to foreclose in one week on XXXX XXXX and am not sure what to do. It 's egregious to leave me with no option but to foreclose, while the house still has equity and I would have had more options if I knew this ca n't be accomplished three years ago. I have all the details and supporting documentation, its shows lack of knowledge, misinformation, and miscommunication. Please Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Navient Solutions, LLC.
State: TN
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:
For years I have issues with my Private student loan servicere XXXX/Navient. Just in the recent years, while working with Navient, I have gotten inconsistent information. There have been instances where I have set up payment plans via auto pay and the amounts deducted from checking account have been different from what I have instructed them to do. My payments have also been missapplied to my loans. I have more than one loan with Navient, some having different interest rates. My payments have been applied to various loans, different from what I discussed with the service rep. I have even had several instances of my checking account being overdrawn because an amount was debited incorrectly due to Navient 's error. 

Navient has also refused to offer realistic payment options based on my circumstances. In response to that I have done my best to make arrangements to meet their requirements within my means. It is very frustrating to stay on the phone for hours at a time discussing my options and making plans to meet their ridiculous requierments, and then they still make the " mistake '' of debiting the wrong amounts. 

Their website is misleading when it comes to repayment options. They have repayment options listed on their site, but when you call they say that option is not for my type of loan. My issue is that Navient has it nearly impossible not to default on these private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I would like to file a complaint on Pennymac Loan Services regarding the servicing of my mortgage loan. Also, I do not believe the appropriate guidelines relating to the foreclosure process were followed. I was formed that the demand used for foreclosure expired on XX/XX/XXXX, but I made multiple payments in months of XXXX and XXXX to bring my account current. My home was referred to foreclosure again on XX/XX/XXXX, and ultimately placed on hold XX/XX/XXXX due to COVID-19th. I was still allowed to make payments over the phone on XX/XX/XXXX and XX/XX/XXXX. I attempted to bring my account over the phone again on XX/XX/XXXX and Pennymac Loan services wouldnt accept payments even after doing so on the dates I stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Other

Complaint:
I called Bank of America on XXXX XXXX, XXXX to make my payment. The representative refused to take my payment unless I give her my driver 's license number. I verified my full name, full social security number, date of birth, full address and password on the account, but refused to give her my DL #. I hung up after she refused to so many tries. The next time I call, the representative took my payment and agreed to remove the late fee, because the representative should not have refused my payment. Every month this has been repeated. 
Finally on XXXX XXXX, XXXX I spoke to XXXX, a supervisor, who told me to pay {$66.00}, because he saw when the problem started and that would take care of it. I paid the {$66.00} and he supposedly took care it. I called today to make my payment and was told my minimum payment due is {$110.00}, because I keep getting late fee every month. I asked to speak to a supervisor. XXXX XXXX came on said she is a supervisor located in Arizona and repeated the same thing. I asked her to read the notes the last supervisor put in when I paid the {$66.00} on XXXX/XXXX/XXXX ; she said she did then told me I have to pay {$110.00}, because I have been later every month. I asked her to listed to the calls from XXXX XXXX, XXXX and XXXX XXXX, XXXX. She did not care. I told her I will file with the CFP complaint and wait to make my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Information that I have gotten I have managed to get off the website. I had moved from the address that Navient had. I have been in multiple forbearances and requested an income driven repayment plan which I was denied. I requested this due to my husband being unemployed and I am the sole provider. He has been unemployed for 16 months. These loans hit my credit as " past due '', a total of XXXX of them which killed my credit score that I was trying to rebuild, why could just not one total have been put on there. Since then I have paid off XXXX small loans XXXX & XXXX and set up payments on XXXX, XXXX, XXXX, XXXX and I believe I have forbearance for XXXX & XXXX. Since Navient is involved in this type of lawsuit should they NOT be allowed to report things to the credit bureau. Seems a little unfair. What do I need to do to possibly get this information removed from my credit report? I really am not sure just how bad my loans have been effected due to forbearances that seemed to be the best option since I was denied they income driven payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX   XXXX   XXXX  was disputed on  XX/XX/XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XX/XX/XXXX      My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve with   XXXX   XXXX   XXXX  , Chex systems, and no luck.       XXXX   Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: SD
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 received bad information about my loans over the years from XXXX XXXX, which is now called Navient. My private loan amounts have continued to sky rocket even though I 've made payments. The interest is outrageous and continues to go up. I feel like i 'll never have them paid off. They have charged some unconstitutional fees that I do n't think should be added when you are trying to pay off your students. Navient/XXXX has never really been a company that is workable. I 've always seemed to go circles with their customer service and getting different answers on my loans. I do n't feel like there is any relief in sight. I have trouble with how the payments are handled back since I graduated in XXXX from XXXX. XXXX closed their doors officially in XXXX of XXXX, and they have given me the run around on why their doors were actually closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX I noticed in my online account that I received a credit for a " Deposit Discrepancy Adjustment ''. I did not receive any written notification or explanation of this discrepancy adjustment. I called into customer support and was told I would receive a letter. After having not received a letter, I called XX/XX/XXXX and was informed that no letter would be sent, but that the discrepancy related to a deposit I had made in XXXX XXXX that had been improperly credited to my account. Given that the information made available online does not go back that far, I have no way of verifying any of the information I am being told to be accurate. I was told that I would receive a written explanation of the error as well as a full review of my account going back to the account opening with signed representations that there are no further discrepancies. I called back this morning ( over two weeks later ) and was told that all that would be provided at some point in the future at their discretion is a written explanation of the error from XX/XX/XXXX but that no further review would be provided unless I can identify the specific error ( which of course I can not do without any records being made available to me ). 
Furthermore, it is deeply disturbing that it would take nearly three years for such an error to have been identified, much less in a fashion that it is so opaque for the depositor to understand the error.

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 2017-01-19
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My senior year of college, I needed {$18000.00} to financially clear and graduate. Unaware of the dangers, I signed up for a private student loan with a variable interest rate. Again, I had no clue what troubles lie ahead - I just wanted to graduate. I defaulted on the loan and it went into collections. XXXX became Navient and along came the calls. After a lot of back and forth we arrived at a settlement of sorts. Since that time, not one payment has been missed or late. Navient is being sued by the government, so I decided to check my account. In spite of the regular and on time payments, my account said that I was late and that late fees would be charged. The most strange thing, was Navient did register the correct date and the correct amount of my payment. I called Navient to address this issue. The person handling my case was both rude and condescending, when I asked about the contradictory information on my account. After telling me the account would be in collections until it was paid off, I was offered another settlement. I asked for the offer in writing and was rebuffed with " we do not provide anything in writing ''. I told the representative that I was looking at a document on their letterhead, with the reps name and signature on it, which was to function as a contractual agreement. So, I knew that they do provide documentation. In the end, I had to get off the phone due to the representative 's attitude. My account information is still inconsistent though.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Southwest Credit Systems, L.P.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a new cell number. Apparently the previous user owed money to someone. A collection agency has called from at least XXXX XXXX XXXX XXXX different numbers. I have told them I am not the person they are trying to collect from, they say they will take the number out of their system, or do not even have it in their system. Then I get more calls. They are either incompenent or liars. They are Southwest credit, the calls are from XXXX XXXX, NJ The calls come from : XXXX XXXX XXXX or XXXX ; XXXX XXXX XXXX or XXXX ) ; or XXXX ( XXXX or XXXX )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed