BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This is a formal complaint and request for investigation into the retaliation and unfair business practices of both Bank of America and XXXX. 

I filed complaints against both of these banks for egregiously excessive bank fees and charges related to unfair credit card charge backs on my business account experienced from unscrupulous ex law firm clients and wherein our previous merchant service " XXXX XXXX '' " shot first and asked questions later '' and withdrew large amounts of money from our account and then maintained their illegal and unethical policy of " holding my funds '' for 90 days or more, even if we provided XXXX XXXX proof of credit card authorization and permission and signatures from those clients. 

Those clients may not have liked the work, or liked our final billing invoices, but they certainly authorized such payments. 

After these unlawful charge backs our bank accounts were negative for 90 days, and every single XXXX placed in these accounts were sucked into XXXX theft. 

Meanwhile all automatic ACH Payments and checks already submitted were denied and humongous fees as high as {$170.00} were assessed by these banks for each failed ACH transaction. 

To make matters worse even though I called in to put stop payments on checks and even to remove automatic ACH transactions for insurance, advertising etc, these banks refused to heed or listen to me and continued to assess these huge fees again and again, thus driving these accounts further into the negative. 

After I filed complaints with the XXXX and Consumer Financial Protection Bureau and other agencies, these XXXX banks responses were to close my accounts in a retaliatory fashion, " write off '' this manufactured and false " debt owed, '' and then forever BLACKLIST me and my law firm business ( using my social security or business tax ID number ) from ever opening up a bank account with them in the future. 

2 weeks ago I was denied a ban account opening at Bank of America in XXXX NJ because of this unfair " blacklisting. '' It seems that because I merely exercised my right as a taxpaying American who was victimized by these banks 's and merchant account behavior, coupled with the unfair and illegal methodology exhibited by XXXX XXXX XXXX XXXX ( another previous recipient of my complaints to the CFPB and XXXX, as well as a lawsuit which I won ), that I have been illegally and unlawfully BLACKLISTED and prevented from opening a bank account with these XXXX banks, as well as other banks, because they apparently share this false information against me, thus causing other banks to also deny me an account or give me trouble and difficulty if I do in fact manage to secure another bank account with a different bank. 

Please aggressively investigate, and advise. 

Kind regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX Bank of America represented to me some of the fees and costs assessed to my mortgage included an amount used to pay off the XXXX XXXX lien, but it remains unpaid to date. I have requested a detailed account and accounting of the XXXX fees and costs assessed to my mortgage and do so again. I have not received any response from Bank of America to date in this regard.

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 2016-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
1. Bank of America resolution specialists will not provide me with requested contact information, i.e. Emails, phone numbers, to BofA executives and CEO. 

2. XXXX XXXX, manager of XXXX XXXX ( my assigned account specialist ) ( XXXX ) XXXX will not return phone calls. I left over XXXX messages. 
It 's my right as a consumer and customer to request and receive this information. Not returning calls has prolonged my loan and now will cost me thousands of dollars more a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Lloyd & McDaniel, PLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a demand letter from XXXX XXXX XXXX XXXX dated XX/XX/2022. I called the company on XX/XX/2022 and spoke with XXXX XXXX. I asked for a settlement amount and was advised she did not have one. I asked if I could email one and was given a generic email that does not provide responses ( XXXX ). XXXX stated the attorney assigned to this account. Was XXXX XXXX. Was advised when I called back on XX/XX/2022 to speak with the Atty XXXX XXXX regarding a potential settlement I was advised she is not in the office, she is in court all day and you can not speak with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 act XXXX  AccountsXX/XX/XXXX XXXX XX/XX/XXXX # XXXX has violated my rights. 

XX/XX/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

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 2022-06-01
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX, XXXX XXXX, XXXX reporting late payment without my permission XXXX XXXX And XXXX reporting late payment without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, The reason why im asking for your help is due to our harsdhip that lasted over 12 months, as of last year my husband was in the hospital for over 12 months due to a XXXX. Within that time i was making our mortgage payments even though my husband was not working. 

I called my mortgage company seeking help since i knew our situation will get worst, my mortgage company told me that they will not help me because i was current with the mortgage payments. 

So i tried numerous times trying to get a manager since every single person that i spoke to from the mortgage company will refuse to transfer my call to manager, i had no help from them at all. 

After a few months my situation got worst, my husband was still at the hospital, i ran out of money to keep up with the mortgage payment and my mortgage company never answer my request for help to modify my loan. 

Now as of this year that finally my husband is out of the hospital and back to work, i re submitted my loan modification application again. I was assigned a person by the name of XXXX XXXX p. XXXX ext XXXX who has been working with me sincec XXXX of this year. 

It is now 4 months going back and forth with XXXX asking for the same documents over and over again. Now i just found out that even though i been under review for a loan modification they filed a Notice of Trustee Sale for XXXX/XXXX/2016. i requested for her manager and she told me that the manager was out of the office on vacation and will not be back until XXXX. 

It seems like my mortgage company all they are trying to do is delay my application to take away my home, they lie about the status of my loan modification and now they refuse to help me with the loan modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: MN
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 act XXXX  Accounts XXXX  XXXX  # XXXX 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.

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 2016-06-23
Company: DISCOVER BANK
State: PA
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:
Good Afternoon, I sent Discover Student Loans a message inquiring about how much interest I was being charged per month. I explained to them, I did the daily simple interest method. For my loans, right now using that method, I 'm being charged around {$1.00} per day which is fine and that amounts to around {$35.00} per month in interest. 

I do n't understand how I was charged {$70.00} in interest for XX/XX/XXXX. I made two payments, one on XXXX/XXXX/2016 for {$640.00} and another on XXXX/XXXX/2016 for {$540.00}. The amount of interest that would have accrued between those dates would have been around {$24.00}, not {$70.00}. For the months prior to that, I 've averaged around {$35.00} per month. 

The second issue, I pay interest monthly through my statement, and thats the {$35.00} or {$70.00} as seen above, now my overall balance is also increasing daily by around $ XXXX- {$2.00}. So not only am I paying interest monthly on my statements, but I 'm also paying interest through having my balance grow. It seems to me, I 'm being double dinged on interest. 

Can you please research this or look into this for me? If interest was incorrectly calculated, can they apply that to my principal balance. For this loan, I originally took out {$26000.00} and my balance today is {$14000.00}. So far, I 've paid a total of {$21000.00} on this loan. ( {$15000.00} has gone towards principal and {$6600.00} has gone towards interest. ) So, if we were to minus the XXXX ( that has gone to principal ) out of the original balance not including interest, my balance today would be {$11000.00}. And that does n't include the {$6600.00} that was already paid to interest. 

Can CFPB or Discover please help? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair reporting Act XXXX  account XXXX  XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, has violated my rights. 
XXXX15 U.S.C 1681 -Procedure in case of disputed accuracy section 2 ( A ) section 5 ( A ) *15 U.S.C 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies section 8 ( A ) section E *15 U.S.C 1681- Congressional findings and statement of purpose section A ( 4 ) *15 U.S.C 1681b- Permissible purpose of consumer reports section A ( 2 ) *15 U.S.C 1681 section 602 A, states I have a right to privacy.

*15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish account without my written instructions. 
I have sent certified letters XXXX times for TransUnion, XXXX and XXXX to respond verified and updated. You can see from credit report that is incorrect and inaccurate.

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 2020-12-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient keeps giving my wife the run around about providing supporting documentation for her IBR request. They rejected her request FIVE times, each time saying there was no indication of how much of my income was taxable, which is completely false. On EACH of the supporting document, in big bright red text it says how much is taxable. It's completely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I lost my Bank of America Visa credit card : XXXX and someone made over {$600.00} worth of unauthorized and fraudulent charges on my credit card account. I have notified Bank of America on numerous occasions about the unauthorized charges, but I keep getting harassing and threatening telephone calls and death threats, informing me I need to make a payment on my account immediately. Under the Fair Credit Billing Act ( FCBA ) a consumer is not liable for unauthorized or fraudulent credit card charges.

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 2022-06-01
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. XX/XX/XXXX 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions. In response to cfpb case XXXX. On XX/XX/XXXX the case was close due to the response of the company CREDITORS BUREAU ASSOCIATES. The company respond that the accounts in collection were validated and put on a monthly payment plan for XXXX USD a month. The first payment having been received on XX/XX/XXXX. Attached are the documents from the original creditor validating the debts in collections. The debts is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: CA
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:
Navient parent loan is out of control with excessive interest charge, late fees, and lack advise/assistance from Navient in loan direction and to set plan to eliminate. Many times ( after each deferment ) I would receive many predatory calls and emails from independent help outfits to reduce or eliminate the loan payment. I did not feel comfortable with the feedback received from these independent help outfits and I found it uncanny that these sources were quede to call a couple days after deferment. Really need help in resolving issue and loan reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I paid off my son 's XXXX XXXX loan in XXXX of 2009. Last year Navient contacted him at work and threatened him with collection if he did not agree to begin making payments. Not understanding that this was not a debt he owed, he agreed. When the amount they were demanding went up after 9 months, he contacted me. I sent them all of my documentation proving the loan had been paid in full three weeks ago. Nothing has been done to erase this debt, nor have I been able to reach a supervisor in the fraud dept -- today I have been on hold for almost two hours. This is ridiculous! I want this loan removed, and the money he sent them under duress refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: U.S. BANCORP
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank through US Bank in XXXX Iowa, Address : XXXX XXXX XXXX, XXXX, IA XXXX. I have opted out from receiving over draft fees. However I am still being charged for them by manipulation of wording. I have attached a screenshot of my bank account balance. This fee is from US Bank because the ATM could n't retrieve money due to NSF. The fees are listed as the following:XX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Sales Tax {$0.00} - $ XXXXXX/XX/2015Non-usbank Atm Denied Fee {$2.00} - $ XXXXXX/XX/2015Debit Purchase -visa Dd/br XXXX XXXX Ia {$9.00} - $ XXXXXX/XX/2015Overdraft Paid Fee Waived {$36.00} $ XXXXXX/XX/2015Overdraft Paid Fee {$36.00} - {$27.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have an account that is paid and still reflects Negative information on experian credit report experian will not correct the information properly. Experian continues to report inaccurate information Potentially Negative is hurting my score and preventing score updates and loan or other approval

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 2015-12-28
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was recently denied a refinance on my present mortgage by Bank of America. 
They claimed my debt to income ratio was too high. That may be so but they dragged out the approval process over two months. I paid for an appraisal after underwriting started. The loan office told me I could get a refund on the appraisal if my loan was denied. Now he is telling me I ca n't get a refund because services were rendered. Bank of America 's entity called XXXX made XXXX separate credit inquiries into my credit over the two months, and then demanded a letter explaining why my credit had received so many inquiries!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-04
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Because we had an ARM that began to adjust to unaffordable levers and because of the economy and loss of employment ; we were forced to file chapt-XXXX. This Lender denied our application for re-affirmation. While in the middle of completing a modification application with OCWEN ; XXXX months later -we were evicted from our primary home and foreclosed on. OCWEN continued to pursue us even after the foreclosure so we filed a complaint with NC Banking Dpt. OCWEN denied having foreclosed, and even though we provided a copy of the eviction notice and " report of foreclosure sale '' along with photos of the " foreclosed '' signs hanging in windows by Sheriff : NC banking closed the case. OCWEN continued to harass us and we continuously provided them with copies of the foreclosure documents. The most perplexing part is that they foreclosed on us XXXX! The XXXX " report of foreclosure and sale '' is dated XX/XX/XXXX. Now they just foreclosed and " went to steps '' again in XX/XX/XXXX! The attorneys for the bank will not advise how they were able to foreclose twice and will not speak with us because we do not have legal representation and we are not able to locate an attorney willing to represent us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-07-09
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
filed bankrupsy XX/XX/2007, XXXX mortgage was Litton Loan at the time. Was purchased by by Ocwen. Ocwen purchased a debt in bankrupsy, this loan was not reaffirmed, and according to our loan officer it is an uncollectable debt. Yet they call multiple times a day, as early as XXXX. They have added lawyer fees, late payments, and are ruining my credit score.

Company response to consumer: Closed with explanation