BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is in reference to case XXXX.Bank of America responded with answers to questions I did not ask. They also said in there response letter, they did n't have enough factual detail for them to research appropriately, so I will restate my concerns several times. 
My concerns are : ( a. ) about monies ( escrow checks ) that were re-deposited into mortgage loan account and not accounted for and, ( b ) while with COUNTRYWIDE no record of proof for my PMI payments therefore the application of PMI on this loan far too long. 
( a. ) The missing monies were XXXX escrow checks that are not applied to the loan. 
1.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$39.00} 2.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$210.00} 3.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$270.00} 4.ck # XXXX, date XXXX/XXXX/XXXX Treasury id # XXXX {$370.00} 5.ck # XXXX, date XXXX/XXXX/XXXX : treasury id # XXXX {$110.00} ***These checks were deposited into my mortgage loan account, please send me proof. ***** Total {$1000.00} missing ( b ) The PMI was paid on the loan from it 's origination in XXXX XXXX with ( XXXX ) thru it 's transfer to Countrywide XX/XX/XXXX, thru transfer to Bank of America , and finally PMI stopped XX/XX/XXXX.. A total payment of PMI was 9 years and 9 months. It should have stopped XX/XX/XXXX ( 5 years ), but it continued thru XX/XX/XXXX ( 60 more months ) for a total of {$1800.00}, Thant money is an over-payment. Hopefully you have enough facts to research your Countrywide files and your escrow deposits to my account.

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 2017-02-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have called repeatly through out the years asking for loan reduction I was told to fill out the paper work They always call back and say the type of loan I can not do this. The interest racks up. I pay for my daughter who is s XXXX however I can not get a discount because I am not the XXXX. However that is not stated when you hear about forgiveness XXXX I never get them to reduce my psyment so I actually can make a payment. If I pay what I can it does not even cover the interest payment. I honestly wanted to make a payment I can afford with this interest payment a lot lower

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have made a few attempts to make a different arrangement to pay back this payday loan, I can not afford the XXXX withdraws The Cash Store debits my bank account any longer, I have spoken with XXXX the store manager at the Cash Store XXXX XXXX XXXX XXXX XXXX Texas XXXX, she informed me that I made an agreement with the store and signed a contract, which I did, she said she could not help me with any other type of arrangement and refered me to Cottonwood Financial, when I spoke with XXXX from Cottonwood he informed me that he did not have any of my information beacuse I had not defaulted on my loan at that point and I would have to wait XXXX weeks after I defaulted, before he could even talk to me, I explained to him I want to pay my loan I just can not afford the XXXX withdraws of {$240.00} bi-weekly, he was extremely rude and ridiculed me saying he could not help me with anything until my account made it his way. The Cash Store and Cottonwood are incabale and unwilling to help me make different payment arrangments, I am stuck, I can not afford this, my finaces are spinning out of control because of this payday loan, and no one on their end can help me resolve this loan, Its simple I want to make less payments per month. I wish I had not been so confused with all the paper work and understood more of what I was getting myself into. Bottom line is I do not know where to go from here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: BANK OF THE WEST
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2017, I discovered a {$160.00} fraudulent charge on my Bank of the West checking account. I had authorized a {$20.00} copay charge and the doctor 's office instead charged {$160.00}. I called Bank of the West that same afternoon and told them I wanted to report the fraud. The csr said she would mail and email the dispute form. After waiting 4 days with no response, I sent an email to their customer service dept. The response said I should just type out my complaint with all of the pertinant information and my signature. I faxed it to the number listed. Today is the XX/XX/XXXX and I still have not been contacted by the bank, nor has the money been credited back to my account. I have done this same procedure with another bank when my card was stolen and I was credited immediately and the issue was resolved with one phone call.

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: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have thousands and thousands of student loans through Navient. I have been through the ringer with them time and time again. My loans are on auto draft and they continuously call me to say that my loan has n't been paid. Every time I was accused of not paying, I called and spoke to no less than XXXX people before my issue was resolved. They acted like this was all my fault, until I was able to get an honest employee on the phone. Finally I was told, '' there was a glitch in our computer that takes payments. '' That would be fine if that were the only time this happened. Every 3 months they call and act like they need me to start paying more. They tell me that I have n't held up my end of the repayment agreement by being late on payments. This has happened more that 20 times over the last few years. They have more than doubled my amount owed, because I put them in forebearance when I was first out of college. I now owe $ XXXX when I should have paid around $ XXXX. The last excuse I was given for the " late payments '' was that the date that I had my auto draft payment paid to them was late every month. This is a date that an operator setup over the phone. They charged me late fees and literally had me XXXX. I told theme, on many occasions, " this has to be a scam!!! '' It always turned into me yelling, because they would pass my call around to so many people. Sometimes I would have to hang up, because I could n't think straight. I have had many sleepless nights, because of Navient. I live a terrible existence, and I have a job that pays above average. Getting a college education is the worst thing I have ever done, because of Navient. I ca n't take the harassment anymore. Please help me and the thousands of other people just trying to make a brighter future for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have disputed this before with the agencies, most recently a year ago, got a letter " creditor said information was accurate '', totally impossible. Years ago I got a call from BOA, so I asked proof of debt/payment. I searched my bank for the dates they gave me on the phone and more recently on my credit report, couldnt find any payments for those dates, let alone month within 7 years, I never got confirmation from them. I 've lived in the same house for 9 years, and have bank records computerized, going back 11 years and just to be safe searched quicken as well as the electronic statements finding no payments so it needs to be removed, and taken off XXXX / XXXX, I want to make it clear I 've had XXXX for 10+ years so the payment would be there, I even tried to match payment dates and nothing,. I feel they are re-dating, in fact XXXX / XXXX show different payment dates to keep it within the 7 year mark to keep it listed. 
Either way this is past statute and needs to be removed from the credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
AFTER ALMOST 6 MONTHS, XXXX FINALLY DISCHARGED MY LOANS THROUGH XXXX. NALNET ADVISED ME THAT NAVIENT WAS NOTIFIED AND I HAVE CALLED, FAXED AND EMAILED THEM WITH THE DISCHARGE APPROVAL FROM NELNET AND THEY HAVE NOT ACKNOWLEDGED RECEIPT OF ANY INFORMATION TO THAT AFFECT. MEANWHILE, THEY CONTINUE TO TAKE AUTOMATIC PAYMENTS FOR THE LOANS FROM THE BANK AND IN ADDITION, I AM IN NEED OF FINDING A PLACE TO LIVE AND MY CREDIT REPORTS REFLECT A LARGE AMOUNT OF STUDENT DEBT AND I AM BEING DENIED HOUSING BECAUSE OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, Bank of America 's agent foreclosed on my house. After the completed foreclosure sale, the substitute trustee executed a trustee 's deed to the XXXX XXXX XXXX XXXX XXXX. XXXX filed an eviction suit and was awarded Judgment of Possession. 

On XXXX XXXX, XXXX, I filed a lawsuit to stop a post-foreclosure wrongful eviction. This lawsuit XXXX is currently pending in the XXXX XXXX XXXX XXXX XXXX because the Defendants ( XXXX and Bank of America ) was granted leave to file an answer to the complaint more than two years late. 

On XXXX XXXX, XXXX, Bank of America and XXXX filed a late answer to the lawsuit and included the following affirmative defense : XXXX. Should Plaintiff be awarded any damages, Defendants are entitled to offset and recoupment in the amount the funds due and owing at the time of the foreclosure sale plus reasonable market value rent from the date of foreclosure until the service release of the loan to non-party XXXX. 

As per the aforementioned defense, XXXX predecessor, Bank of America, is asking for rent after the foreclosure sale on XXXX XXXX, XXXX in their answer. However, XXXX contends I owe them more than {$110000.00} for the same loan their predecessor foreclosed on. I have not executed any loan agreements to Bank of America or XXXX since the foreclosure sale on XXXX XXXX, XXXX. 

XXXX is reporting this fraudulent, incorrect, and false information to a third party, the credit bureaus ( XXXX. ) Bank of America is claiming the house was foreclosed and they are seeking rent post foreclosure. 

XXXX is claiming I contractually owe them from XXXX XXXX. 

To add on, XXXX is reporting to XXXX that the loan is a contested foreclosure. 

XXXX is reporting contradictory and false information to XXXX the credit bureaus, and me. 

XXXX has not been able to validate their debt collection activity. 

Bank of America and XXXX are colluding and harassing me to collect a loan that was satisfied from foreclosure proceeds four years ago. 

I will be filing this complaint with the XXXX, XXXX XXXX XXXX XXXX ; since my loan was XXXX insured loan. 


I 've included the following documents to substantiate my claims : 1. The Defendants ' Late Answer excerpts XXXX XXXX. XXXX ) 2. The most recent docket entry of the pending lawsuit, XXXX. XXXX ; Order Continuing Stay dated XXXX XXXX, XXXX These are records that are documented in the Federal Court that are undisputed.

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 2017-03-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan was high on intrest and dor some reason I had to apply for more loans to be able to graduate and know.I having trouble paying these loan with ridiculous high interests..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
After a 19 year customer BofA my card was canceled with no notice. I never had a late payment. After returning from XXXX Army XXXX I XXXX am not able to enter a crowded store and was able to purchase gas at the pump outside with my credit card. My car number is " ******************* ''. Any explanation would be greatly appreacheaded. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, KY XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have told navient on multiple occasions and have submitted proof that I am a XXXX, yet they keep harassing me during work and school hours with phone calls and emails. I have complained before that they will initiate contact without checking my enrollment status. This has happened at least 3 times. Their staff will not listen to me when I tell them I 'm a XXXX and they will not stop calling and emailing unless I report them, even though I 'm a XXXX. I have informed them on multiple occasions that as a XXXX, you do n't make loan payments, but the harassment will not stop. It 's causing unnecessary amounts of XXXX and I ca n't get work done or pay attention in class if they are constantly calling and emailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a credit collections report for XXXX XXXX and the State of Texas shows the company committed licensing fraud on my account and the State gave me the option to return the vehicle, so I did the credit report you refused to fix after sending proof of the information so XXXX XXXX shows it as a repossession and its a lie I proved it and Transunion refused to let me dispute the matter.

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 2017-01-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Other financial service
Sub-product: Money order
Issue: Excessive fees

Complaint:
In XXXX, I purchased a {$60.00} MoneyGram money order. I set it aside and forgot about it until cleaning out some old files. When I took it back to the place of purchase in XXXX, I was told that they could not cash it since it was over a year old. The money order did not contain any expiration date on its face so I believe it is worth {$60.00}. 

I sent the money order to MoneyGram expecting a full refund. Instead, I was sent a {$6.00} refund check after exorbitant deductions were made for a {$18.00} processing fee and a {$36.00} service charge. Their refund check is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Bank of America Credit card which was compromised. I contacted Bank of America on or around XX/XX/2016 and informed them of all the unauthorized transactions. Bank of America has acknowledged these disputes however refuse to deduct the amount in dispute from my balance as required by Federal policy. Further, Bank of America has reported this inaccurate balance to XXXX, XXXX and XXXX, again in violation of Federal Policy. I have disputed this balance with the XXXX bureau mentioned.

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

Complaint:
It is getting absolutely ridiculous how high my monthly payments are even on income repayment plan. It makes it difficult to pay other monthly bills ( mortgage, insurance, etc. ). My student loan debt has grown to over {$45000.00} from my original loan due to accrued interest and another interest language they have told me. It is very scary, I 'm going to be paying to who knows how long and most likely when I will be putting my children ( once I have them ) through school. How is that supposed to work??? Something has to change. Attached my monthly statements, yes plural. I have XXXX that amount to {$700.00} a month!!!!!! I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
On or about XXXX XXXX, after reviewing my XXXX XXXX credit report I noticed many erroneous information about an alleged debt that i owed XXXX XXXX XXXX XXXX XXXX ), so I disputed the allege debt with the XXXX XXXX credit reporting agency. About 30 days later XXXX XXXX mailed me a confirmation letter deleting the alleged student loan that I owed XXXX. I was delighted for a brief moment ; On or about XXXX, XXXX I requested for my annual free credit report from all XXXX major credit reporting agencies ( XXXX XXXX, XXXX, and XXXX ). When I received all of my reports, all XXXX listed the alleged debt owed to XXXX as permanently deleted from my credit report ; but now they listed a third party interloper as the Original creditor ( Sallie Mae/XXXX ). So on XXXX XXXX, XXXX I disputed the false information by sending XXXX XXXX credit reporting agency a notice of proof of claim of the alleged debt owed to Sallie Mae/ XXXX. Within thirty days XXXX XXXX purported that the alleged debt was verified and/or validated by a Sallie Mae representative. On XXXX XXXX, XXXX I contacted Sallie Mae student loan department and spoke with a representative about my displeasure of having there company list fraudulent information on my credit report with validating the allege debt. The representative requested some personal information about me, so she could search for any information on me in there system. After a few minutes the representative stated to me that there is no information about me in there system, thus to contact XXXX ; so I conceded. I instantly contacted XXXX and spoke with a representative, I gave the rep. my private information the matter and within a few moments the rep. stated that they had no information about on this alleged loan. Therefore, I personally called XXXX XXXX to speak with a rep. they stated that they would look into this matter further and file a direct dispute on my behalf in 10 days, so far I have not heard anything from this private-for-profit corporation which is not part or affiliated with the United States government. Nor is this 3rd party ( fictitious ) interloper has any wet-ink signatory binding a bilateral agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Other fee

Complaint:
I have a credit card through Citibank with a {$450.00} annual fee, Citibank mailed me a new card agreement right before my renewal date stating my annual fee would now be {$350.00} and I would have no late fee penalties and a reduced annual interest rate. After I renewed my account and paid the annual fee I received a letter from Citi stating that the previous letter had been in error and the fee was still {$450.00}. I called Citibank to try to resolve this matter and was told that they would not stand by the quoted annual fee. I feel this is a case of bait and switch that deceived customers.

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