BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We requested and Bank of America sent us a check on XXXX/XXXX/2016 for {$4000.00} which we deposited in our checking account in another bank. Approximately a week later a BOA representative called to tell us that this check had printing errors, it will not be paid and that a new check will be issued and sent. We finally received a replacement check today XXXX/XXXX/2016. In the mean time our checking account was overdrawn and we are accruing fees for overdrafts and returned checks not paid due to insufficient funds. In multiple follow up calls, while BOA representative XXXX XXXX finally acknowledged the situation and stated that we will be reimbursed for any fees we were charged as a result of this situation, the resolution of this issue is with their legal department and refused to provide a document that the negative consequences were the result of BOA 's error. To make us whole we need to have a document that explains what happened so that we could forward it to credit bureaus and to others to whom we made payments that were refused due to unavailability of funds we relied on. Their requests of fees for returned checks will also need to be honored and paid.

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 2015-10-27
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Scottrade provide me with the information I requested on how to file arbitration. It was previously brought to Scottrade 's attention that the arbitration agreements with Scottrade Brokerage and Scottrade Bank are mutually incapable, thus I sought clarification on the specifics, as well as requested instructions on how to file a dispute. Scottrade has refused to respond. Furthermore, Scottrade has alleged that I would be responsible for significant administrative/travel/filing fee costs associated with filing an an arbitration case. I have requested information from Scottrade on how to remedy the prohibitively expensive nature of arbitration and have not received a response. I kindly request Scottrade provide information regarding how to file an arbitration claim against Scottrade, Scottrade Bank, and Scottrade Financial Services and the differences in any arbitration agreements.

Company response to consumer: Closed
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX ( XXXX in XX/XX/XXXX-XX/XX/XXXX ). I was asked to leave the school because I challenged the lies they told us about credits transferring, job pay rates after graduation and their methods of teaching and testing. I contacted Navient to being able to stop having to pay for this loan. I submitted paperwork they sent me and I was denied. I was clearly harmed by XXXX and lied to. I was again forced to leave the XXXX, Ohio location by an XXXX, XXXX XXXX. Not only was I denied relief from this loan, but was forced into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Navient Solutions, LLC.
State: TX
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:
I attended the XXXX XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX after I was fired from my job with XXXX telephone for being unable to work, although the accident happened on the job. I am XXXX but able to do some work if it is on a schedule I can handle. A lifelong interest in the arts caused me to think I could pick up enough solo projects that it would be worth my time to get a degree and knowledge to do so. My first year and a half went fine. They allowed the loans I needed to pay for school. As my condition worsened, my finances tightened more and the school demanded that I get a co-signer for the last quarter 's loan. My father agreed to sign that loan and that loan only. After school, I was unable to get and complete enough jobs to live and pay for the loans. My father paid back the one he helped with but he realized he had paid back far more than the amount he signed for. With some checking and the hateful people from XXXX XXXX, we were able to determine that his name had appeared as co-signer on all the loans, although neither he nor I had approved that. His credit is now ruined and he is barely surviving. Please tell me what I can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Navient Solutions, LLC.
State: FL
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:
My son has multiple student loads serviced by Navient , Inc, one of which I have cosigned. I have been paying on this loan. Navient consistently applies the payment to a loan that I have not cosigned on, despite the correct loan number always being include with or payment. My wife and I call and try to get the payments applied to the correct loan which always takes a lot of time and effort. Sometime they will tell us the payment was corrected when it is not. This happens so consistently it can not be there incompetence, but must be there policy. We are now being threatened with collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Bank of America claims they will no longer respond to and corespondents reguarding this account issue, by law they are required to respond accordingly or they are guilty in aiding the identity thief that opened this account, and technically you have been aiding this thief. First, I was represented by XXXX XXXX XXXX who practices in XXXX. Second, Bank of America knowingly provided a false address reguarding myself and that is against the law. Third, Bank of America claims they filled a XXXX, not only is it against the law to file a XXXX for an account that was a result of identity theft but there is a court case that has said that it is not right to force someone to pay taxes on miscellaneous income and expect them to pay you back, and you are actively trying to collect this by holding my credit hostage with this fradulent account. Lastly, I have received information from Bank of America directly that shows that an account attached to this one has my wife 's maiden name on it over a year after we were legally married and her name was changed on every account she had, I must say that it was a nice try sending the records up until our marriage month but thanks to your associates, I was able to get the records for a year after that. I will easily bring a written statement from XXXX XXXX stating that he represented me in the XXXX case and where he is located as well as the account records that show the wrong name on this account. I also want all the recordings from XX/XX/XXXX where I called Bank of America, if they are brave enough to send all of them, there is proof that they have said so many lies and then changed all the account information to fit their story, like how I was told that an account was closed in XX/XX/XXXX with a name that changed 2 years prior, that they also had a lawyer on this account that I have never met or talked too, an address I have never heard of, and with all these errors Bank of America still refuses to remove this account. I am done sending you documents, I am done being nice. I will present all this to a judge and will cheer when he rules in my favor.

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 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I first signed for these investment property mortgages with Bank of America XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - XXXX They were for more than 80 % of the market value, hence, they imposed a PMI payment on top of the mortgage payment, with the understanding that when the properties appreciated to where the outstanding LTV debt was 80 % or less, the PMI would drop off. When the market value hit this target, I contacted B of A to have the PMI removed, and they said they could only drop it when the LTV was 75 %!! So then I wait until the properties further appreciated to 75 % and again asked B of A to remove the PMI, but they then told me that now the LTV has to be 70 %!!!! Please stop these thieves from continuing to rip me off

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 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold my XXXX mtge, But did not reduce the original amount of the combined mtges, Now I 'm paying the XXXX mtge XXXX. 
Contacted them and they have refuse to correct this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Navient Solutions, LLC.
State: NY
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:
For the past year, Navient, who purchased my XXXX XXXX XXXX from XXXX XXXX, has been applying my entire loan payment, or very high percentages of my payments to interest only. For the past year, I have either paid my loan early, or on time. Most recently, there was an over payment on the account. Navient told me I owed {$120.00} for the month. I instead paid {$290.00} and Navient applied {$43.00} to my principal and {$240.00} to interest. There have been no late payments on the account, so there is no reason why they are taking this much toward the interest payment. I have called several times, and each time, I get a different story. Please help me. I do n't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I can not pay with my debit card to pay monthly payments. It requires a checking account number and routing number. Check have become obsolete. I gotten hit with multi late fees because I move money from bank to another. I feel this is done to make it difficult for a customer and get charge with a late fee. I asked to have XXXX waive. I thought I paid my card in full. I had a XXXX balance I was going to get hit with another late fee. I was told no. I ask the agent twice to have a manager review my request. Then the windo chat was disconnect.

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 2017-01-18
Company: Navient Solutions, LLC.
State: MO
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 asked for a income based forgiveness plan n they stuck me with a $ XXXX monthly payment and because I ca n't pay at this moment it hit my credit negatively. It was not honored at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I accidentally chose my bank of america account to pay my credit card bill this month. I almost never use that account and there was n't enough money to cover it. Ideally, they would have rejected the payment, which they did a few years ago when I made this same error for a larger payment. 
This time, they paid it and charged me XXXX. I immediately transferred funds over to cover the difference and forgot about it for a week. I came back to look the other day but now I 'm still overdrawn because they allowed a {$1.00} recurring payment to go through and charged another XXXX and then another XXXX. So now my stupid mistake of selecting the wrong account on a mobile drop-down has cost me XXXX and is probably still being racked up because it takes 2-3 business days to get the money through ACH. 
This is a fat-finger nightmare that is indicative of why Bank of America is America 's most hated financial institution. I am lucky in that this financial hardship wo n't break me, but I know many people for whom this debacle would cause an irreparable financial tailspin. 
I do not believe that I have ever opted into an overdraft services. I do not want BOA covering payments for me BECAUSE they charge exorbitant, predatory fees for doing so.

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 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion reported a 30 day late payment from XXXX in XX/XX/2019 and used this to lower my credit score by 120 points. My score dropped from over XXXX to XXXX. XXXX since has rescinded the information and has updated all the credit bureaus. TransUnion now shows all payments on time with XXXX. No other issues on my credit report yet they still show my credit score at XXXX now into middle of XXXX. Their low score based on the missed payment is still reflected even though the payment was updated to by XXXX as not. TransUnion does not provide any means to understand why they lowered my score by over 120 points for false report and then not at least update within a comparable amount once it is removed.

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 2016-03-31
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Last year, the city of XXXX billed me just for penalties and interest pertaining to city wage taxes My accountant responded with reasons as to why they should waive the amount. Before the expiration of the first notice from the XXXX, the matter electronically went over to XXXX for collections. 
I spoke to XXXX last XXXX and sent them all the back up including the accountants letter. They told me they would follow up. 
I never heard back from them and assumed it was resolved. 
On Monday, XXXX XXXX I received a computer message from XXXX and I called back. I spoke to XXXX XXXX in their office who explained to me that the XXXX did not waive the interest and penalties ( a little over {$900.00} ). I told him that I would pay the amount and just asked him for something in writing requesting the debt and giving me payment instructions. 
He told me that I should receive it by today, XXXX XXXX ( which I havent yet ). 
On the following day at XXXX XXXX I got another of their harassing computer messages and assumed it was a mistake. Yesterday, I received another call, and tried to call them back asking them to stop the harassment. I was on hold for 25 minutes and had to hang up. 
Today I received a call from my adult son ( who has a family of his own ), who told me that he received two calls from XXXX in the last two days and when he finally got to speak to someone XXXX the was told that they were looking for me. So now they were at a point where they were now harassing my family. 
This morning after speaking to my son, I called XXXX back again, and while I was on hold waiting for someone I received yet another of their harassing calls. 
I finally got to speak to a manager named XXXX XXXX who basically said ..oops..human error. 
I have no idea why they cant control their automated system and why they would start to harass my children after I agreed to a resolution.

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 2016-12-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have a Wells Fargo mortgage as well as a couple other Wells Fargo accounts. I had set up the mortgage to Auto-deduct from a checking account, but was going to close that account. I deleted the auto-deduct, but apparently it did n't delete and they charged me a {$25.00} fee for insufficient funds. They refuse to remove this fee even though it was their error. The mortgage was paid ( from another Wells Fargo accout ) on time.

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 2016-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Background : XX/XX/2016 I was the victim of check fraud while I was out of the country. Bank of America reimbursed me the entire amount within 48 hours and I was very happy with their promptness. I 'm a XXXX Veteran and receive both VA and XXXX so my income while not poverty level, it is fixed. 
The problem : on XX/XX/2016 as I was checking in to a hotel XXXX miles from home I was told my visa debit card was declined. When I checked my account I was stunned to see that there was a {$600.00} debit that wiped out my account and caused an overdraft of over {$300.00}. More shocking news considering I had no idea what had happened and thought I was a victim once again of fraud. I called the bank and after an hour on hold and being rerouted three times I was informed that I had been overpaid when they reimbursed me and they took their money back. No warning, no emails, no phone call and no letter. I begged and pleaded with the fraud dept to please hold off until my social security check came so I would n't have to borrow money to cover the overdraft. I was informed that they " had the right to take their money whenever they wanted ''. End of discussion. I had money sent to me and I covered the overdraft. Needless to say I was embarrassed, shocked and in the throes of an anxiety attack at this point. I felt victimized again. The fraud dept. at Bank of America treated me like I had done something wrong even though they never notified me of an overpayment. I do n't even know if they 're correct. I 'm assuming they are and I was n't trying to get something that was n't mine. I was shocked at their treatment of a XXXX XXXX who has been their customer for 20 years. It seems to me that none of this should have happened to begin with if the fraud dept had done their job in XX/XX/XXXX when the checks were written. I had informed the bank that I would be in XXXX for two weeks and over {$4200.00} in checks were written in the XXXX XXXX XXXX XXXX while I was gone. I 'm angry and upset over the way I was treated. They took their money as is their right and I will be taking my money out of their bank and closing my account as is my right too.

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 2016-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I received a collection letter from XXXX in XXXX 2016 about a Bank of America account. This was my first time hearing of this so I asked them to verify the account. The information sent to me did not verify the account as there was activity on my account in years in which I was not in the US and I did not authorize any accounts. I did not hear back from them again and called them back this week. I was advised that the account was sent back to Bank of America as they were not able to verify the account. I followed up with Bank of America and the agent was not able to confirm this account and provided a different account. However, Bank of America continues to report this on my credit report in violation of credit reporting laws despite multiple attempts. I am requesting that they remove this reporting whilst they investigate this and advise me immediately of their findings.

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 2020-04-17
Company: EQUIFAX, 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:
I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and XXXX is to take the money out as scheduled on the XXXX and XXXX of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. XXXX takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXXkeep receiving daily recorded messages from collection agency calling themselves allied. i do not have any outstanding debt or unpaid bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief