BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America bought out my mortgage from countrywide. While XXXX to XXXX I got behind and bank of America allowed me to do a 5 year loan modification program at 3 % and stated as long as I made all payments and stayed up on my payments at the end of 5 years I could then do another loan modifaction/refinance at a similar rate. At the end of 5 years and not missing any payments and fulfilling all obligations bank of America refused to refinance and assigned my loan a 9.5 % interest rate. Sometime during the 5 years bank of America quit doing loans on my type of home which is partially a manufactured home with additional wood construction. I was not given any options or choice, bank of America refuses to refinance leaving me stuck with an obscene interest rate. So even though I was told that if I full fill all of my obligations in the terms of the 5 year refinance I would be able to refinance at a competitive rate. This refusal was not because of anything I did but because bank of America decided they no longer finance this type of home. I have made numerous phone calls to bank of America and every time I am told there is nothing they can 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 2015-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX, XXXX I applied for Mortgage assistance to Bank Of America, which WAS my primary mortgage holder. ( Bank of America Loan # XXXX ) We have been working with XXXX XXXX since XXXX XXXX, trying to get assistance for a predatory HELOC loan with a fixed balloon payment that came due in XXXX XXXX. 
My husband and I have faced financial hardships due to the downturn in the economy and subsequent bankruptcy. We are self-employed but have not missed payments on our mortgages. 
XXXX XXXX keeps denying us any assistance telling us we can not prove affordability and told us that if we could modify our primary mortgage under a HAMP program, they would consider giving us assistance on our second mortgage. 
We have applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. 
We contacted Bank of America for assistance and was assigned a Home Loan Team Specialist, XXXX XXXX XXXX who guided me through the application process. 
On XXXX XXXX, XXXX, we submitted a Request for Mortgage Assistance, with follow up documentation as requested in early XXXX, XXXX. 
Then, without any response to our application, Bank of America SOLD my loan. I was sent a letter dated XXXX XXXX, XXXX notifying me the servicing of the loan would be transferred to XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX the loan was transferred. 
I was not able to get any further assistance form BofA and was not able to get through to my assigned representative. 
I was told that XXXX was aware of my application for assistance and advised that I could speak with them about mortgage assistance. I followed up in conversation with XXXX, but was met with unfriendly, unwelcoming advice. 
We had applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. My present Home Preservation Specialist called me on XXXX/XXXX/XXXX to say I was denied again, and I am waiting a letter with their determination. The rep told me that they can not help me under any government program because it has to start with my primary mortgage ... so I restated to them what happened with BofA when I applied for assistance, and they sold my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I thought I had to recertify my XXXX plan with FedLoan, because the Cares act made it unnecessary in XXXX. They sent me a letter that my income based payment has doubled, and that its due XX/XX/XXXX. This was, and is, before the CARES Act was set to expire first XX/XX/XXXX and now XX/XX/XXXX. When I called to point out that this due date is within the Cares Act relief, I was told its my own fault for recertifying early, & my payment is due XX/XX/XXXX. When I asked to speak to a supervisor, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
2019 Synchrony Bank came up with bogus reasons to cancel ALL of my Synchrony credit cards 1. Old Navy {$500.00} 2. XXXX XXXX {$7000.00} XXXX. XXXX XXXX {$1000.00} 4. TJ Maxx {$1500.00} When almost {$10000.00} in credit is taken away and the consumer 's credit to debt ratio is seriously impacted, we seem to have no rights to reverse these decisions. Believe me, I tried. I just got more letters saying " refer to the terms and conditions of your cards ''. We are able to do this and we don't need to let you know the reasons. Really? That is not fair and the consumer is out of luck altogether.

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 2017-03-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a bank account with HSBC in XX/XX/XXXX and was told that I would get a promotion bonus as long as I did 2 bill pay over each billing period for the next three cycles. My month statements ends on the XXXX of each month. 

I did 2 bill pay on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX. When i messaged to ask about the bonus not posting, i was lied that the bonus was for bill pay over three different months, not three billing statements, which is clearly a lie, as I was told in person by the banker it would have been over the billing statements. I met the requirements as the bill pay i did fell in three different billing cycles, but HSBC refuses to pay the bonus. 

They should be ashamed by lying to people for fake bonuses, and then changing the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
PenFed makes in incredibly easy to make online payments. The problem is that these are interest payments. I would like to make principle only payments, which lowers principle quicker and reduces overall interest charges over the life the loan. PenFed intentionally obfuscates the process of making a principle only payment. They require a phone call and have an intentionally complex and long phone menu that takes a minimum of five minutes to reach a human that can assist. I have been informed there is no direct line or quicker way to a human. A rep had a suggested I try calling a credit/debit card support line to get a human quicker, which worked, except the rep I received was completely unhelpful and could only requeue me. There is no reason at all to make this process so obtrusive, except for the fact that PenFed is attempting to maximize the interest collected ( at my expense ) over the life of the loan. The payments I am attempting to make are between accounts at the same credit union, so there should be no reason I can't do this operation online.

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: Experian Information Solutions Inc.
State: VA
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 items on my credit report that I would like to verify the information on. 

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 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 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 Please also remove any inquiries that did NOT result in an account being opened.

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 2017-02-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
Got a XXXX from American Express for XXXX in ammount of {$1200.00}. I have not had a card since XXXX and my account was written off in XXXX. I have phoned American Express numerous times and have spent at least XXXX hrs on the phone with them explaining the issue. I get transfered around and around to the same depts over and over and they all say I need to go to the other dept. to get answer but never get anyone that can answer it. Ask to talk to some XXXX in XXXX and they say I ca n't and they ca n't transfer me there. This will effect my income tax this year but I never got any interest. It was written off in XXXX and given to another outside collection agency. The amount they say they paid me in interest makes no sense because the amount written off was WAY more. They refuse to help me and I am trying to do my taxes. If I do n't get a response I am leaving it off my taxes and will hold American Express responsible for any consequences. I have informed them of that and they do n't care. Very hard to talk to someone in a foriegn country that does n't even know the form I am talking about. They keep calling it a XXXX XXXX even though it is a XXXX XXXX. This company is terrible and should be held responsible for its business practices. I need this resolved and reported to IRS I did n't get any such payment. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: DCI Credit Services, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked DCI Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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: First Technology Federal Credit Union
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hello, On XX/XX/XXXX my car was repossessed because of the lack of payment. Several times did I try and get assistance for hardship and refinance however they did not approve me to do so and I stopped being able to make my payments back around XXXX. 

Again my car was taken on the XXXX. I was able to get my parents to make my past due payment and the repo fees on Friday XX/XX/2021. I was told that it would take 1-2 business days for the release paperwork to process. It is now XXXX and I still dont have access to my vehicle. I paid First Tech in the amount of XXXX. The lot attendant that they choose to work with closes daily at XXXX. First Tech special assets dept is 3 hours behind so when they are opening the lot is closing. I expressed that I needed a vehicle to get around in during the holidays and asking for what step in the process am I in so I know what is taking so long. The agent XXXX XXXX ( XXXX ) was very rude and condescending saying things like I should have taken care of this before, I wouldn't be in the situation etc. I am going through a divorce and experiencing financial hardship. I dont need to be reminded of what I should have done. I want to get my vehicle because I paid my portion of the balance and now they need to do their job. From the beginning XXXX never let me know it would take as much time as it does. The lot will be closed on Thursday and Friday this week. That means after today, I wont be able to get my car back to at least Monday. The dept keeps speaking of I have to wait on the process. I asked what the process is and what part I am in and XXXX couldnt give me a straight answer. This bank has been horrible to work with. I take ownership for my XXXX and not being able to pay and communicate when I did but I am trying to be deligent so that this doesnt happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/XXXX THIS IS CONTINUATION OF MY PREVIOUS COMPLAINT, BUT I HAVE NOT HEARD FROM THEM TO RESOLVE THE MATTER, PLEASE PROVIDE UPDATE, SEE COMPLAINT BELOW ***************************** I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN HIGH SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX PROGRAM- HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN XXXX, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX XXXXXXXX -- -- -XXXX ON - I NEED ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS *********************************************** XX/XX/XXXX I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. 
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a destiny card by Genesis FS Card Services. Its a {$300.00} card. I always check the available balance before I use the card online to see how much I can spend. I did that in XXXX. No problem. I didnt use the card in XXXX cycle because it was maxed out. I paid {$40.00} on XXXX XXXX. Then it said I had {$43.00} available. I used it for {$23.00} for gas. Now the balance is {$370.00} and saying that my XXXX charges were over and they added a {$29.00} fee. Thats a scam. It shows online that you have available credit, that you apparently dont have. They let you use it. Then they come back and say oh wait its over. Heres an overdraft fee. I go off the screen thats posted below. Thats all I have to go off. If its saying I have available credit, I should have available credit. If I was over in XXXX, I shouldnt have had any available credit in XXXX after I paid the {$40.00} because Id still be over. This company is scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a letter telling me I owed {$2700.00} dollars for XXXX accounts, although the date said XX/XX/XXXX. I'm not sure the reasoning for this. I read the paper and it didn't include my right to dispute. 

On XX/XX/XXXX I contacted them and my mother XXXX XXXX spoke to XXXX. She didn't give us enough information during the call so I'm unable to determine the validity. She also didn't tell my mother whether I could dispute it. 

My mother offered to pay with our health insurance but she told us because the visit happened in XXXX and we are in XXXX, we could not use our medical insurance to pay off the bill. 

She tried to pressure my mother into paying today with a discount, even though my mother told her " I don't have that type of money right now '' ( something along these lines ). My mother asked for another day and she said the deal was only today however, she previously said it could be for the month. 

Not telling us the right to dispute, trying to coerce my mother into paying today, no inclusion of my rights. 

I don't even know if these accounts aren't even mine because not enough information was given to me. I made an account to view my accounts on XXXX XXXX XXXXm and these accounts don't seem familiar. These accounts do not show up on my credit report for XXXX and XXXX. 

Today I sent a certified letter to the debt validation asking for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Navient Solutions, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I signed a loan with XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX, that has since been transferred to Navient. During my initial repayment period, I had no issues with Navient. Since they have " updated '' their website, I do not receive e-statements ( causing me to send late payments ). For the past year I have been XXXX and on automatic deferement. When I ceased to be XXXX, I never received a statement ( paper or email ). The initial contact was from my mother ( she is a cosigner and received mail ). Shortly after I received an email saying I was deliquent. This was in XXXX XXXX. I immediately made arrangements to pay made sure all my prolfile information was updated. To date, I am still not receiving statements, but yet I get non-urgent email regarding change of payment address for the servicer. I also understand they have many consumers and can not indefinitely store previous statement/payment information, but consumers should always have access to the original promissory note they signed for an account, without having to call customer service.

Company response to consumer: Closed with explanation
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: 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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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: 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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