BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have already submitted several complaints about same situation and now I have just found out more information which is destroying us and needs rectified immediately. One of past complaint numbers is XXXX. This should help you get the other and all past case information. Thank you. 
The new case info I just found is that Bank of America placed info in our credit file that states we had a foreclosure started. I warned them at least 2 years ahead of situation that was coming and they did not do mod until we missed payment. We made late penalty and then made payments during mod process until we were advised by BoA not to any more. But BoA still kept late payment time adding up.BoA messed up several times delaying everything. When finished mod. BoA only extended high interest rate ( 5 3/4 % ) and made loan 40 yrs instead of 2 % for 30 yrs even though our monthly set bills where over the ratio required. Then we missed the XXXX mortgage payments also with BoA and so we went through Save the Dream Ohio and BoA messed up again even with us warning them ahead of time up front not to make the mistake they did. BoA just brought it current which was of no use as we could not make payments and needed it paid off with Save the Dream funds. It took several more months to get BoA to get act together and finally with the remaining Save the Dream funds and added funds we borrowed from Family got XXXX paid off completely. We were told we could refi in 1 year on XX/XX/XXXX. Now have tried and just found out BoA messed up again. BoA placed foreclosure inforemation on our credit report such that 1st they do not have the late payment off untill XX/XX/XXXX not XX/XX/XXXX, then also because of foreclosure info ( which we did not have ) making a XXXX on some refi banking thing. We can not refi untill XX/XX/XXXX at all. BoA is killing our finances and Family. BoA executives should be taken to jail as we at a point were working with the executive offices of BoA. All this requires fixing immediately and even compensation for BoA 's hardships, pain and suffering they have caused us and I am sure many others. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Navient Solutions, LLC.
State: MD
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, I was wondering if someone could contact me in order to offer me some advice or direction in my current situation. I am XXXX and live in XXXX County, Maryland and attended XXXX schools. 

I grew up with a single father with mental illness after my mother passed away when I was XXXX. Our family could not afford health insurance so my mother could not go to the hospital when she had a ruptured appendeix. Because of my father 's XXXX XXXX, he could not provide any support or advice in my life decisions. 

The reason I am sharing these personal details of my life is to paint a picture of what barriers I was facing at XXXX when I wanted to attend college. 

Coming from an affluent area in XXXX County, I knew what career success looked like. My parents never achieved this type of success so this naturally motivated me more to work hard to have a successful future. I learned at a early age that intelligent individuals are evenly dispersed among any population but unfortunately wealth is not. I was one of unlucky, XXXX children that was aware of this discrepancy ; possibly the worst of all scenerios. 

Because my dads lack of experience in this area, and his XXXX struggles, I was on my own in figuring out how to apply to, and finance college. Like any teenager with a question, I went online and typed in, " How do I pay for college. '' I clicked on the first advertisement I saw, and ended up taking out XXXX private loans from XXXX XXXX to finance my college at the University XXXX over XXXX years. I had never heard of FAFSA, I was not aware federal loans and their forgiveness programs, I did n't know what a grant was or how to find scholarship opportunities. 

You might question, " Why did n't you get this information from a high school counselor? '' The answer is simply, " I do n't know. '' I assume possibly fell through the cracks because I was a XXXX, XXXX student that looked like my affluent, well supported peers. My struggle of lack of educational support motivated me to dedicate my life to support student. I am now a XXXX myself. I feel no student should feel alone in their educational journey. 

I am now XXXX, and because of the high interest rates of XXXX XXXX loans, I am {$110000.00} in debt. Some of my loans have doubled in their initial amount due to interest since I have XXXX. I ca n't pay the monthly fees now, and I do n't know how I will ever pay this loan off without significant financial struggle in my life. 

I am asking for advice, assistance, references to help me in any way. Thank you for your time, listening to my story and I look forward to hearing back from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I receive about 5-8 phone calls from Navient regarding my private student loan each day. Some I missed a payment last month, Navient had called me non-stop every day on an auto-dialer. I know it is an auto-dialer because when I answer the phone there immediately is a prompt about the call being monitored and recorded. This is harassment because I am aware of my past due payment from email, and when I can make a payment I intend to. 

Also, there is no forgiveness for private student loans like there is for federal. I borrowed this loan when I went to culinary school. I did not end up becoming a chef, the college changed its name, and has since closed down. However, Navient is still harassing me about this loan when had it been a federal loan it could be forgiven by this point! I 'm owing them now so much interest it 's unlikely believable! Plus, part of the loan was for a time when I had withdrawn from the college. I ended up leaving the school on the first day of a semester, but they still charged me for laboratory fees for the entire semester! I never used the lab at all. This would be forgiven as well if I had a federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had to wait 20 minutes ( on hold ) just to get the address I needed to mail in my monthly bill payment. The information I needed did not appear to be available on the website.

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 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank Of America Has Been Placing Hard Inquiry on My Credit Report. They Keep performing hard inquiry again and again. Numerous Certified Mail Phone calls and Even lack of Proof on my part to authorize them has not been investigated nor even acknowledged by the Bank Of America. My credit report is on fraud Alert and itys really hard to place a hard Inquiry. These are the Numerous dates of they inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They ca n't provide a proof for my authorization for these inquiries. Yet no Response from The Bank nor any compliance from Credit Bureaus. Please note the same branch and location of this Bank Keeps Placing Hard Inquiry on My Credit Report. 
BANK OF AMERICAXXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
well, I got a credit card from Bank Of America with the balance of {$2000.00} and have paying for the last 18 Months and it shows only a balance of {$1900.00} and the credit card Computation seems very unrealistic and scum!! and also the company reported me late for more than 30 days in XXXX XXXX and XXXX XXXX which in XXXX case I did not get the statements on time, and as a result damaged my credit report making harder to refinance my Home Mortgage, I paid approximately XXXX - {$1400.00} which makes it mathematically impossible for the balance the showed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: CO
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2021-12-27
Company: EQUIFAX, INC.
State: CO
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: NY
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:
block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX  {$8900.00} XXXX  {$9400.00}

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 2020-06-08
Company: EQUIFAX, INC.
State: NY
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:
block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX  {$8900.00} XXXX  {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: CAINE & WEINER COMPANY, INC.
State: CA
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 do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Independent Dealers' Advantage, LLC
State: DE
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:
I recently checked my credit and realize XXXX and XXXX is reporting a missed payment for a account that's not mines and can not be verified. The creditor XXXX XXXX XXXX does not have my correct information on file. The account is closed! 

XXXX is reporting Fraudulent accounts that are not mines such as XXXX XXXX XXXX. XXXX removed all my positive credit info and replace it with fraudulent derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpointmtg.com continues to refuse to apply " principal only '' payments to principal. Every month Shellpoint manages to incorrectly process my payments to acquire more money than they are legally entitled to, e.g. charging two months of interest for one month. Shellpoint told me over the phone I can not pay principal only payments via the phone or internet, so I always send them via US mail labeled as " Additional principal '' payments. I abide by this strange mailing restriction. However, Shellpoint has consistently wrongly applied these payments into extra interest by including them as second mortgage payments for the next month. They told me they would not do this again and they noted in my file to apply extra money towards principal. Nevertheless, in my XX/XX/2016 statement, I see many errors again. Shellpoint " fixed '' my $ XXXX principal only payment from two months ago by postdating it to the end of the month instead of the beginning when they received it to ensure I would pay more interest ( their standard operating procedure it seems ). They also applied my extra principal $ XXXX for my XX/XX/2016 payment to " partial payment unapplied '', put into a separate suspense account. Doing this consistently every month is VERY BAD! Shellpoint MUST learn how to legally process principal only payments. So the $ XXXX is applied too late and the $ XXXX is sitting in limbo, not counting towards principal. Sending principal only payments is a very common thing to do, so all mortgage companies should know how to process them. I ca n't keep begging Shellpoint every month to apply my money the way I specify in the payment stub. How can I get legal and fair treatment to resolve this?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Bank of America. In several occasions Bank of America has place a hold upon a payroll deposit check I have made. On all of these occasions I have asked for and received a copy of the cleared from the accountant for my employer. The hold has always been place one day after the check cleared and in such a manner that out my account into negative status. It seems to me the algorithm that is responsible is targeting accounts that may earn Bank of America a financial reward in the term of fees for overdraft. It even happened when my employer changed to Bamk of Amercica as the a. Punt holder for payroll. I was told that Bank of America had received information that 's payroll check would be returned even though it was drawn from anothe Bank of XXXX account. Bank of America 's fraudulent actions have cost me XXXX dollars of late fees and associated costs due to the fraudulent holds being placed upon my account to. I have evidence of the day the checks where authorized and screen shots of my a. Punt showing that money was credited to my account and a hold was placed on my account after the date the payroll checks cleared. I believe that Bank of America has a working agorythem that is trying to maximize based on holding checks deposited to encure over draft fees.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to TransUnion, XXXX, and XXXX on XX/XX/2021, in regards to the inaccurate items on my credit report. It has been over 60 days and I have not received a response. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove and delete those items from my credit report. As of today it has been over 60 days ; these inaccurate items should be deleted immediately. Please delete these accounts immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have reached the presence and access of the wrong person.

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 2020-06-08
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
In XX/XX/2018, I took out a payday loan at Easy Money in the amount of {$500.00}. As soon as I received my paycheck, I repaid the loan in full with interest for the amount of {$580.00}. My bank account was debited twice for the amount of {$1100.00}. I tried to contact the corporate office for Easy Money with no success. I tried contacting the manager at the store, still no help. I also reached out to the XXXX XXXX XXXX. Nothing I did worked. I still have this negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
For years I have struggled with Navient. I 've had to pay monthly, at least {$600.00}, while I was in school. I recently took a year off of my graduate studies and moved to another city to support my younger brother with his living expenses through college. The payments to Navient have risen so incredibly high that there is no realistic way for me to pay them, my rent, bills and other necessities. They asked me to pay about {$1100.00} per month. I also have an elderly Cosigner, who is of no relation to me, just an old family friend, and he has absolutely no intention of paying for my loan for me. His credit was the only thing that would allow me to get into my XXXX school. I was never offered a chance or program to release my Cosigner. Recently, when I asked, due to the recent legal issues that have arisen against Navient, they only gave me two ultimatums. Either pay off the entire, approx, {$120000.00} or pay {$1100.00} for 12 months on auto pay without fail. I had just given Navient all of my income information, and based on the numbers they could clearly see I could n't afford that. They also requested the Cosigner 's credit and income information. He does n't want to have anything to with my payments and does n't wish to give the information to them. 
Since XX/XX/2011 I 've had to deal with Navient and through their rude and unhelpful customer service, ultimatum deals and negotiations, incessant phone calls and absolute lack of organization, I 've struggled to make end 's meet. They would call automatically, and blame it on the computer programming, myself, my cosigner ( who is an incredibly busy man ) and my parents at number of times called reaching as high as 15 times in one day to a phone call every 10-15 minutes ; with each call from a different phone number, while I 'm working. I 'm afraid to pick up the phone anymore. When I do pick up the phone call, customer service can barely help you and they just want to collect money and get you off of the phone as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Getting continues robocalls to my home phone number from XXXX debt collection asking me to call XXXX or XXXX. When I call these numbers they do n't provide any information and they keep on asking me my personal information. They do n't provide anything in writing and I do n't owe any dept.

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 2021-12-27
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: Information belongs to someone else

Complaint:
Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/2021 and XX/XX/2021 but nothing has been done.

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 2021-12-27
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation