BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home in 2005. My loan was sold and now it is with Bank of America. This bank was not reporting my full payments. They kept raising my mortgage almost as if they was trying to make me loose my home. I asked them for a loan modification several times. They told me not to make the payment so they can process my modification. I did everything they ask me to do and they just deny the modification every time for some false reason. When I show them that I did everything they ask, they start the process over and over again. This has been going on for too long.. Now they are trying to file forclosure on my home. The papers says XXXX VS ME. I never bought anything from XXXX. This bank is really trying to steal my home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello, I 'm a customer of Bank of America and I have a complaint in with them already. I received a from XXXX XXXX. Her number is : XXXX XXXX. She instructed me that the inquired was pulled on XXXX XXXX, 2016 was legit and they would not be able to remove it. However, the inquire listed on the letter attached to this e-mail is not in question in question ... It seems that did not read or ignored the screen shot of the inquire in question as it attached the first complaint ; in addition, to this XXXX. 

They are avoiding that fact. It 's clear that FIA/CS pulled my credit report on XXXX/XXXX/2016. I have supplied that screenshots of the inquire pulled from XXXX on XXXX/XXXX/2016. I was instructed that they use XXXX to pull my credit as I knew they were some issues on XXXX getting corrected. 

Now, let me make this clear. I was using my " person credit profile '' for " Business Credit '' ; therefore, BOA pull my personal credit report to get credit for business name and they pulled it from XXXX I was mislead as ask a number of time this would be pulled from XXXX. 

I have attached the letter from Bank of America dated XXXX XXXX, 2016 in response to this dispute and they have responded with a TOTALLY DIFFERENT DATE OF THE INQUIRE IN QUESTION ... Please see attachments for all details. 
Here is the CFPB # XXXX is the first complaint.

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 2020-12-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to the debt collector regarding the debt and needing an itemized statement and validation that the debt belonged to me. A contract with my signature and explanation of the charges. I got no information back but company reported the account closed so i thought the matter was resolved but than placed the account back on my credit report months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Student assistance corporation calls XXXX days a week XXXX or more tomes a day. I have asked them to stop calls and contact me thru mail, the advised they can call XXXX times day even if they talk to me in the morning they will call total of XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Reali, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have submitted my refinance loan application on XX/XX/2020 along with all required tasks and docs including tax returns, XXXX for credit inquiry and large deposits and asset statements. 

I have called and emailed multiple times to get status update but no response for over a month. It is now XX/XX/XXXX. It has been 43 day without any human contact or updates. 

I have no started shopping for another lender and realized that they have pulled my credit report which affected my credit score to drop from tier XXXX to tier XXXX. 

I feel that they sidelined my refinance application because I am XXXX and regulations and review takes much longer during this pandemic. 

It is unfair that they don't respond or dump XXXX applicants for over 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Other fee

Complaint:
This complaint is for my Bank of America credit card. 

BANKF OF AMERICA IS CHARGING INTEREST ON CHARGES THAT ARE NOT IN ARREARS! 

On XXXX/XXXX/2015 my amount due was XXXX. I pay my cards in full each month and did n't have any charges in XXXX 2015 so my account had XXXX balance and no interest charges for all of 2015. 
On XXXX/XXXX/2015 my BofA online account showed a payment of XXXX. XXXX cents short. The error was mine. I mistakenly typed in a XXXX instead of a XXXX. 
The next statement, on XXXX/XXXX/2015 showed an interest charge of XXXX. 
I called BofA XXXX on XXXX/XXXX/2015 and spoke with XXXX ( not sure of spelling ). 
She informed me that interest is charged in arrears. I asked her how they could charge me XXXX dollars for being XXXX cents overdue. 
She then informed me that I was being charged interest on approximately XXXX in charges made up to the point of payment. ( Those charges are legitimate and I am not disputing them ). 

Conclusion : with no prior interest charges and being past due from the previous billing cycle by XXXX cents, Bank of America charged me interest on charges that WERE NOT PAST DUE. 
XXXX did reverse the incorrect interest charges but only due to my vigilance. 
I can only think that many people do n't know this especially if they carry a balance. 

I hope you pursue this. It is wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had some issues with some rebilled charges on my credit card with Walmart capital One have failed to rectify this issue I received a correspondence from capital one stating that they will credit my account any interest and any rebilled charges to my credit card however I have not seen any credits besides one for the amount of {$83.00} the other charges are still not credited and I have not seen them as of yet I received the correspondence on XX/XX/XXXX stating that all these charges that were rebilled and interest will be credited back havent received none I lost the correspondence stating such and cant find it on the online profile to provide proof

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
I have Bank of America pre paid debit card that was issued to me from the XXXX and someone stole the information from the card, I believe after I used it at a gas station, and used that info to steal money from ATMs in a town north of XXXX where I have never been. They stole almost {$700.00} over the course of several transactions at XXXX different ATMs. Immediately after I discovered my bank account was drained to almost {$0.00} I notified the bank of the fraudulent transactions. After 'investigating ' BoA denied my fraud claim. I have never used the card at an ATM nor have I been to the places the cash was taken out. After they denied my claim the first time I filed a police report and an identity fraud report but the bank denied my claim two times. I am extremely upset by this and the fact that BoA is insinuating that I lied about this money being stolen from me.

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 2016-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
About 15 yrs ago my husband and I invested XXXX with Merrill Lynch in XXXX Ct. The advisor 's name was refered to us. We had saved our money and wanted to invest. About less than 2 months later when I called to check in on our stocks he told us that we had lost everything! We were horrified! We did go into his office and now looking back he spent about 5 minutes with us telling us well that 's the risk that you take when you invest. That he bought internet stocks at the highest amount and then it fell. Looking back we were so young and foolish. We should have pressed him for more info or ask to see paperwork. A few years ago I heard that he was known around town for not being very honorable with his clients. A few months ago while speaking to a family member who is businessman in CT mentioned that this just did not sound right. He suggested that I call up Merrill Lynch and see if I can find a paper trail. Well I did last month and they told me that they have no record of us. They searched by social security numbers, names and address. They said that they do not keep records that long ago. I explained my story and once I mentioned his name I was shut out. They told me that it was up to me to find a statement. All I want is my peace of mind that this guy did invest our money. I do n't understand why he waited for the account to become XXXX or for me to have to call him. I am asking for you to look into this for us. I am not looking to complicate things for him. I know that he is with XXXX XXXX now. I just feel that Merrill Lynch has not done their due diligence to help us. We do not want to be foolish again. Thank you for any help that you can give us.

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 2020-12-30
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of this year, XX/XX/2020, I was upset about a fee with my account for U.S. Bank and the person on the other end of the phone call would not waive the fee eventhough it was a bank error. I got upset and used profanity. I then hung up and called another branch and they understood my situation and fixed the issue. I never once physically went into the first branch in regards to the problem. We spoke over the phone. The person I spoke to then told their boss and the Branch manager, XXXX XXXX, closed my account in XXXX or XXXX, I cant remember the month. I actually did business inside of the branch after that phone call and the branch manager even said she had seen me but didnt think to come to me to talk about the situation. Instead, she just closed my account. That was discrimination. I was literally upset over the phone and that does not give the branch manager the right to just close my account over an upset phone call. 
That is discrimination.

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: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Had a gentleman call me and fed me a whole line about my student loans didnt properly let me know how much I owe and told me that he would fix it where i would not have to pay and interest would go not ho up but infact all of the information mislead me in so many different ways. I dont feel like I was helped in any way actually only lied too

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making {$1300.00} payments on my loan for over a year now. my monthly payment is {$610.00} the additional money is supposed to be applied to the principal balance. This month they have changed that and they are making my payment for 2 months and are leaving {$66.00} in a partial payment acct. Now they are saying I do n't have a payment due till XXXX. This creative application of my payment is costing me double interest. if my payment was applied as it normally is my balance right now would be {$43000.00} with my next payment being due on XXXX XXXX instead my balance is XXXX XXXX a partial payment of {$66.00} and my next payment being due on XXXX XXXX. This is a {$440.00} in the banks favor, and if it continues it will be adding months of payments to the back of my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my HELOC a/c with Bank of America on XXXX XXXX. Escrow paid in excess & now Bank owes me a Refund of {$450.00} ( XXXX XXXX & XXXX XXXX dollars ). As per pay off statement Principale & Intrest was paid upto the date & I had no Escrow a/c so there was no tax Liabilities on bank ... ... A request was made on XXXX XXXX to expediate the Refund but till today i, e, XXXX/XXXX/16 no check has been received. A follow up phone calls were made & they keep telling me it is under process & they can refund money upto within 30 Days. 
My question is when customer has everything clean on a/c why they have to keep customer money for 30 days? Is it legal to do that? Also if customer 's payment is late by a day the Bank charge a heavy late payment charges, then on what ground they can hold the customer 's money when whole process is computerised. By adopting this practice these Big Financial Institutions are using millions of dollars of customeers for free. What can be done about it. & where to complain about it, this is not fair to the public. Plz. kindley response Thanks ...

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 2017-01-20
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan provider is Navient. All this mess started in the spring of 2015. I tried to call Navient to get my monthly payments moved down from {$680.00} to something more reasonable. To my surprise I was told by a employee at Navient that " I know it does n't make sense but you have to pay that amount and we can not do anything else. '' I then wrote the CFPB and magically the payments dropped to {$370.00}. I was fine with this and made the payment. Here is where the frustration and stress came back. Not one month later it jumped to {$460.00}. Still not as bad but not what I was told. I emailed my " contact '' at Navient XXXX XXXX. I stated to him the payment was not right and on XXXX/XXXX/2015 he said he made the needed corrections and my payment would only be {$420.00}. Still not want I needed but I took it for then. Since then my payment has steadily gone up month over month to where the last payment was {$470.00}. I do not know what to do and have already started the process of getting a lawyer as I can not make this astronomical payments in the hopes of help, then when I look at how much is going to the principal is only {$110.00} one month and {$17.00} the next. Out of {$470.00} only {$17.00} goes toward my principal??? I do not know to do and I have already tried to resolve the issue. I do not have a problem paying back loans but this is ridiculous and is causing unneeded XXXX and XXXX thinking about how I am never getting out of this debt from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Coastal Credit, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I incurred debt with XXXXXXXX XXXX XXXX in XX/XX/XXXX. I made payments until i fell on hard times in XX/XX/XXXX. XXXX XXXX contacted me up until XX/XX/XXXX in regards to collection but stopped after that. My debt was apparently sold to a company out of Georgia called XXXX XXXX who started to call me on XX/XX/XXXX. I told them i would have to research the loan as they were very unwilling to give me any info except they kept telling me they were going to file fraud charges against me. After I did some research and before I had a chance to call them back they contacted my son and threatened him that they were going to file fraud charges against me. He notified me and I called them and told them they cant talk to my relatives about my debt according to the Fair Debt Collection act. They didnt care. And in turn threatened me with 3 charges for 1 debt. I also informed them that California has a statue of limitations regarding collection of debt which had expired. He was clueless regarding that statute. This was a very frustrating experience as they wouldn't let me talk and would talk over me all the time with threats. I offered to pay a portion just out of good faith but they said all or nothing so I said we will see you in court.. Horrible experience

Company response to consumer: Untimely response
Consumer complaint received 2020-12-31
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Home Point Financial Corporation
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I previously filed a complaint against Home Point Financial for harassment by one of their employees, XXXX XXXX, who works in the Loss Mitigation Department. However, you closed the complaint simply because Home Point responded with the documents that they requested that we send them in order to process our loan modification request. But that doesnt solve anything. 

I provided them the requested documents on XXXX XXXX and called them on XXXX XXXX to confirm that they received them which they did. I was told that XXXX would be contacting us about our loan modification request. Unfortunately, we have not heard from XXXX or anyone else from Home Point. So I called to speak with XXXX and was the rep I spoke with refused. I told the rep that I had filed a complaint with you and she then advised me that because I filed a complaint that they were postponing the review of our documentation until XXXX XXXX. 

I feel as though Home Point is trying to take punitive action against me due to the complaint that I filed. When I requested XXXX phone number and email address the rep refused and offered to have me speak to a supervisor who never came to the phone after I was on hold for over 45 minutes. Home Point is our mortgage service provider and we are their customer. I feel Home Points actions to postpone reviewing our request is unjust and deplorable. 

Why should they be allowed to punish me when their rep, XXXX, harassed me daily for over a week? I didnt see any response to that part of the complaint from Home Point. I request that immediate action be taken to force Home Point to treat me fairly and review our request in a timely manner which they already failed to do the first time. Their actions are unacceptable and can not be tolerated.

Company response to consumer: Closed with explanation