BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a Home Equity Line of Credit with Bank of America ... I have been with them for 19 years and am a platinum preferred customer. At application, I explained that I wanted the line of credit to fix my decks on my house. At that point I had not started the project and they did not inform me that in order to receive a loan, the project could not start - in fact, the duration of the process took so long that that I was at risk of losing the contractor and price we negotiated. 

I provided all the documents and everything was fine, but the automated appraisal came through a little lower than expected so they suggested they send out an appraiser for a full walk through. I said okay, but that extends the time it would take them to fund the loan. About 1.5 weeks later, the appraiser came, but at this point I had to start the project ... they were doing construction when the appraiser came and he mentioned that they probably would n't fund the loan with construction ongoing - I said, that was silly as they knew that was the purpose of the loan. Sure enough, when the appraisal was received and reviewed they told me they could not complete the loan until the decks were complete ... I was floored as they knew that was the purpose of the loan and they are the ones that slowed the process. They claim there is some liability if they fund the loan and someone got hurt, but that was never disclosed. On top of they they could see my insurance and umbrella policy with over {$1.00} XXXX in coverage, which should have been considered. Instead they said they could not move forward and no one would do the loan not just Bank of America. They then told me I have 30 days or the loan application would be closed. To me this whole process is offensive as it was not disclosed that I had to wait until the loan was approved especially when i was going to lose the contractor and I am doing the work on the house that I said I was going to do when i applied for the loan. Now I am in a bind and if I do n't find alternative financing, could be suit by the contractor for non-payment or have to max out my credit cards to pay for the supplies at a double-digit interest rate ... this does not make sense to me. Note they would have approved the loan without the walk through appraisal, but it would have been at a higher rate. So because I got the appraisal, I invalidated the loan because they actually saw i was doing the work, I said I was going to do.

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 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I started these loans in XXXX for career training. they were supposed to be 15 year loans. 

At the time, I borrowed about $ 68k. I was directed to two forbearance periods, each less than a year, due to health issues ( XXXX with XXXX ). While recovering, the school I attended went bankrupt, and no schools in the area offered the same training, so I could not continue. SM " credited '' me about $ 8k of the loan due to that. 
Even then, I have been paying this since XXXX, and even with a " credit '' my balance is still {$58000.00} as of XX/XX/XXXX. Paying 11 years and the balance has only moved XXXX???? 

I asked Navient when my interest would be paid out so that the loan would eventually be principle only. They told me it does n't work like that. They charge interest on the remaining balance, so I pay interest in the payment, and then it is calculated again, and added to the bill. In the history of my payments with Navient, two recalculations have added over $ 8k to my balance! This is not a loan ... this is line of credit or a credit card rules! Loans are supposed to have a principle and a set interest charged for the amount of that principle ... this keeps changing. This is robbery! 

At this rate, I will be paying this loan forever and my kids will have to assume it! this is so wrong on all levels! 

I am a veteran, I pay my taxes, I have been paying the loan and in 11 years I have only taken XXXX off the balance????? 

Please help! This is a nightmare!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was hit with an nsf fee and my bank ledger shows when XXXX $ posted the ending balance was XXXX $ available. I usually get q notice to transfer funds and never received anything to say my balance is low. I was not notified of the fee until the day after it posted.

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 2017-02-09
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I opened it XX/XX/XXXX. It was reported to Credit reporting agency XX/XX/XXXX. It started with about {$5000.00} and now XX/XX/XXXX it 's at {$28000.00}, 26 years later. They, all XXXX CRA 'S, are still reporting, they, all XXXX CRA 'S deleted Dept of Education, XXXX, XXXX, now NAVIENT. Maximum years reporting has passed 7 and even 10 years. All CRA 'S deleted the Dept of education account, now the put it back on this is unfair, I would like this account deleted. They have the date opening for this account as XX/XX/XXXX, first reported, XX/XX/XXXX. 
This account was opened in XX/XX/XXXX as mentioned above.all conflicting dates. I disputed date of original opening and they all deleted this account. Now they have put I back on all XXXX CRA 'S. I am almost XXXX years young, lol, trying to rebuild my credit and they are purposely trying to mess me up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were referred to guaranteedrate.com to try to buy our first house with our VA Loan by a friend after XXXX XXXX lender was negligent. XXXX XXXX lender worked on getting us a loan for 3-4 weeks and turns around and says your wife is a XXXX which is great but she works for a temp agency, we cant work with them. Which is fine. This is XXXX to the end or middle of XX/XX/2021. We go to guaranteedrate.com. XXXX XXXX sends us a letter saying you have 20 days to get a conditional approval for the house. After they failed to do their jobs at XXXX XXXX. We were penalized. We told the new lender and they said they understood. They would ask for documents, we would send them and not hear back for a day or two. This would go on for a month in a half. We then were transferred over to a partner at guaranteedrate.com without warning. They got everything to the underwriter and thats when the communication got super unprofessional. We stopped getting calls and e-mails. My real estate agent had to call their supervisor. They did nothing about the professionalism or lack there of. They were emailing me as if I was the real estate agent asking for everything instead of my agent who email and called them. We havent spoke to them since Friday it is now Wednesday and we are left in the dark and dont know what to do. This first time house experience for us as veterans was absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called Chase Ultimate Rewards to cancel a flight. I have NO option to cancel besides calling their customer service team. 

Upon calling, I was informed I needed to give them my full credit card number. This seems like an egregious policy. There is no other way to verify my account/m- something Ive

never encountered at any other bank. As a person who has had fraud issues in the past, it is something th
at I take major issue with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: FCC Finance, LLC
State: NC
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:
This account is currently closed. While I was impacted but COVID I was on a forbearance qnd they still reported missed payments. Was told these late payments would be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions 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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2015-12-23
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander Consumer USA is the lender : The short story is we bought a car a 2010 XXXX XXXX for {$18.00} on XXXX, the loan was set at XXXX percent interest. Since that time we have been late almost every Month with hardships after getting laid off. They repo 'd the car and chrged us an extra XXXX repo fee. 
My wife was n't making the payments and I was giving her money to make them, they repo 'd me again last month and charged me more lates fees and a XXXX dollar repo fee again. Now XXXX the bank says I owe XXXX for a car that only blue books for XXXX. and they wont work with me on a buy out for a lesser amount they wont waive fees or work with me at all. I want to let them take the car but I know that wont help my credit history and they will come back and say I owe them more new late fees and maybe XXXX. They do n't keep the records correct the statements are a mess, the company has many many many complaints. Why is our Government allowing Santander to do this to hard working Americans? The car will cost me over {$400000.00} by the time I pay it off and it 's only worth XXXX. What a joke our system is to even allow this kind of robbery. I offered them XXXX to pay it off and they refused? XXXX XXXX? Are they from XXXX? This is why we have people trying to beat the system because the system is not working for the people. If anyone looked at my account they would see that I am being taken to the cleaners. I need help please. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX Shouldnt I be allowed to enter the contest without opening a Venmo account? I thought every contest needs that alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

XXXX- Reporting XXXX, XXXX Transunion XXXX Reporting XX/XX/XXXX XXXX  - XX/XX/XXXX But they keep hassling 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 2017-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I 'm trying to get my house refinanced with XXXX and I was told that a title search showed my old mortgage company ( BANK OF AMERICA ) sold my loan to XXXX Mortgage a few years ago ( XXXX, XXXX? ) but allegedly did not file a release of Lien with the proper county. My account number ( before my loan was sold to XXXX ) with Bank of America is so old the bank had a hard time finding it on their records ( and i 'm not sure if they really did, anyway ). When XXXX asked Bank of America to release the lien so we could finalize the closing they were told it is going to take three weeks, thus denying me the closing on my house and forcing me to miss more workdays ( at a monetary loss to me and my family, not including my stress level that just hit the roof ). I was passed from one person to another three times ; the last individual I spoke with was someone named XXXX ( XXXX ) and she was not very pleasant either. 13 years of not filing the lien release on a mortgage loan they sold to another mortgage company is appalling and unethical. Not willing to resolve this issue in a timely matter is outrageous. I need this issue resolved immediately.

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 2021-12-22
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.

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 2016-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I deposited {$6700.00} ( mostly hundreds ) into a Bank of America ATM ( XXXX XXXX XXXX, XXXX, CA ) on XXXX/XXXX/16. The ATM counted {$4200.00}. I requested to remove my money, as the amount shown was off by {$2500.00}. The ATM gave me back {$4200.00}. I immediately went into the branch and told a manager what had happened. She informed me that they have no control over the ATMs, and gave me a phone number to call. I stayed at the bank and called the number from the bank phone. I spoke with a person who told me I 'd be issued a temporary credit of {$2500.00} while they investigated. I was satisfied, as I was sure they 'd identify the problem. 
Yesterday I received an electronic letter from Bank of America saying they did research, did not find the {$2500.00}, and that the credit to my account would be removed. 
I use this specific bank account to pay bills only, and deposit exact amounts into the account. My business accounts are through BofA, through which over $ XXXX per year circulates. I have been banking with BofA for over two decades. I have never filed any complaint or had any issues. I called and asked to speak to someone in the research department to see what the research consisted of exactly, as I ca n't believe {$2500.00} can go missing. The person I spoke with told me the research department had pulled data from the ATM and determined that I deposited {$4200.00}. This was, of course, the exact problem I had encountered the day I deposited the money. I asked if the money in the ATM had been counted, and was told only that the money is collected once a week and that there is no other information. 
I am very uncomfortable with what has happened. I am shocked that I have completely lost {$2500.00}, and that there does not seem to be anything I can do about it. I was told that someone from the research department would call me back yesterday within 2-4 hours, but no call ever came. 
I hope someone can help me ... I ca n't stand the idea that {$2500.00} is simply gone from my possession. As I mentioned to the person I spoke with over the phone at Bank of America, if the amount was {$100.00}, or even {$200.00}, I may be convinced that it was my error. But this is impossible for an amount of this size. 
Please help!

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 2021-12-24
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 XXXX 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXXXXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2015-06-18
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I have been trying to do a HARP refinance since XXXX 2015. Our current lender, Green Tree Servicing continuously blocks the process from going through. We were working initially with XXXX XXXX who basically gave up because Green Tree would not respond to their requests. Now we are running into the same issues with XXXX being unable to get them to move forward with the documents they need to move forward with our refinance. We are eligible for this refinance and would save us {$500.00} a month but Green Tree continues to block the process from moving forward to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation