BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hi, I was told by Bank of America that the {$55.00} foreign transaction fee placed on my account from buying airline tickets off an XXXX website in XXXX dollars was non-disputable. I am unhappy with this response, and it raises a XXXX questions:XXXX ) Why was my other {$0.00} foreign transaction fee able to be waived so easily over the phone? They say on the report that it was a " business decision ''. I am certain that Bank of America can make the same " business decision '' to waive my {$55.00} fee as well. 
XXXX XXXX Other people who have had the exact same issue as me - buying airlines tickets and being charged a foreign transaction fee by Bank of America - and got this fee refunded. 
XXXX ) How is my {$55.00} foreign transaction fee different from the above XXXX cases? Please elaborate. 

I know that Bank of America has the ability to lift this charge. 

Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of their license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

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 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking and savings account with BOA for several years. They closed my savings as I made too many transfers. ( In CM agreement ). Then they began charging me a {$25.00} monthly fee. When I 've complained, many times, they have told me by letter and phone that it was changed as I no longer have a mortgage account. I never had a mortgage account to start with. I requested that the remove the {$25.00} fee from my account permanently. They issued some credits, but refused to remove permanently. I requested that they change my account to a different account without a fee. They refused. The last time, they said they would temporarily hold the fee for three months till I decide what to do. I was due to be charged XXXX 2016 again. On XXXX XXXX, 2016 I called to close the account to avoid the fee. I spoke to a very nice rep. named XXXX. She helped me with closing the account. During the conversation I told her I could not understand why my son had an account with no fee, and my daughter in law had an internet account with no fee, but after 15 years, I had to pay a fee. She was apologetic and said she wished I had mentioned that before she closed the account because she could have changed the account to a " core account '' like my son has. All I had to do was direct deposit {$250.00} per month to avoid a fee. 
I had written through the CFPB before, and spoke and received letters from BOA executive office and NO ONE offered me the core account. NO ONE! This would have been a very easy fix as I already had direct deposit anyway!!! I am so mad that all I received was explanations and copies of my CM agreement, but no one even in the executive office bothered to offer to change my account to the core account. NOW, I would like my account reopened and changed to the " core account. '' I am happy to reset my direct deposit. The ONLY reason I am even willing to want an account with BOA is because both of my sons and a friend also have BOA accounts, and it 's how we transfer money to each other for bills, etc. 1. Please reopen the account as a " core account. '' 2. I would like an apology from EVERYONE who had anything to do with my prior complaints who did n't even BOTHER to see if my account could be changed, when it could have. 3. XXXX, who I spoke with approx. XXXX. PT on XXXX/XXXX/2016, commended for great customer service and some knowledge about the accounts. Maybe she should be in the executive office! Please, email or USPS mail only.

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
Consumer complaint received 2017-05-02
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Suntrust Branch to ok a deposit on Friday   XXXX   XXXX   at  XXXX  It was a check from a  Suntrust Account  into a/my Suntrust Account, listed immediately as Pending but available on my account.   On Saturday the deposit was not listed  in Pending or Credited on  my account.   I called Customer Service  XXXX  number and was informed they could do nothing about it that only the branch could fix it which was not open o n Saturdays , but wait until Monday.     On Monday  XXXX   XXXX , I phoned the branch ( at  XXXX  opening ) that made the deposit and the Head Teller was too busy to research it for  two h ours, according to the Branch  Manager   XXXX   XXXX . No one called me back, I had to repeatedly phone the branch and was told that it was taken care of on about the fourth phone call to them, and informed it was credited to my account, funds were 100 % available, this was almost at  XXXX .    Attached Screen  shot shows it was Credited on my account and the time on  XXXX   XXXX .     On Tuesday  XXXX   XXXX , at  XXXX   XXXX , I received my notification update of balance on my phone and it showed the deposit amount was not in my account.   Checking into online banking, it showed no pending deposit, it showed no deposit credit for the amount from Friday and the credit from Monday had vanished.     I phoned the  XXXX   XXXX  Customer Service  Number of Suntrust and was informed that the deposit was n ot on my account. After a brief hold, he confirmed he saw the deposit in his records but could do nothing for the situation and that I needed to call the  Branch  where the deposit was made but that they were not open at the time.     I phoned  Suntrust Branch  where deposit was made at  XXXX  opening, and was informed the    Branch Manager was not at work yet and they did not know what time   she would arrive. I spoke with the  Head Teller  who said she would research it again and see where the deposit was, but she said she could do nothing about it or tell me anything about it while I was on hold.     As of now, the deposit is not pending nor credited on my account, and I have been unable to get to a person of authority within  Suntrust, or even know who or what department actually has the authority to locate, credit and post my deposit that was made Friday, in person, at a Suntrust t eller window.

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 2015-10-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was trying to see if thay can modif, my loan to make it a fixed rate with impounds. and thety sai they could not help. but they were always calling to see if I mailed my payment out and ask for my reciept numer and tracking number. and lost my home owners info. and called my threes time to get the info to them.

Company response to consumer: Closed
Consumer complaint received 2017-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is  XXXX   XXXX   XXXX   XXXX , and sadly I have had to file numerous FTC Complaints against my Bank  USAA  XXXX   XXXX   XXXX  . I have had more problems with  USAA  in the last  3-4  years than I have had since I joined when I was   XXXX -years  old. I have had to file complaints ranging from not updating accounts accurately to Credit Card issues that I have never, ever had before! Currently  USAA  via a contracted Mortgaging Company-  XXXX   XXXX    is not taking my monthly Mortgage Payment automatically out of my USAA Checking account on the  XXXX  of every month as I signed up for. I was led to believe that the previous  USAA  contracted Mortgage  Servicing Company ,   XXXX    ( sp ),  was not doing a good job an d USA  A had numerous customer complaints and this is why they switched me to   XXXX   XXXX   I have recently learned, via talking to USAA Mortgage Servicing Agents, that USAA has ab out  4  Mortgage Servicing Companies contracted and I believe  XXXX  is still one. I had no issues with  XXXX , as they took my payment out religiously on the  XXXX  of every month regardless of weekend or holiday. I have talked with everyone at USAA there is to speak with and  XXXX   XXXX  and this issue has never been resolved. All I have ever gotten is excuses, and as of this morning at  XXXX   CST   XXXX   XXXX  has still not processed my Mortgage Payment. I once again called USAA this morning and spoke with a  XXXX  in  USAA Mortgage Department and once again told her USAA nee ded to get this fixed- but have very little hope of that as have already complained enough. Any assistance you can render would be appreciated, as not taking out a Mortgage Payment of over   XXXX dollars  a month, when scheduled makes it difficult to manage ones finances properly. Thank you in advance for any assistance you  may  render in this matter!      XXXX   XXXX   XXXX   XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 i have a letter for my XXXX  XXXX bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX  XXXX Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: PNC Bank N.A.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to complain about the process to remove PMI from my loan. I contacted  PNC twice regarding cancellation, once when my LTV  was below 80 % and once when it was below the automatic termination amount at 77.4 %. Each time they send a notice in the mail requiring me to pay {$500.00} for an appraisal to a company the OWN.   This is a total violation of  UDAAP in that when reviewing and signing the PMI notification on the original loan documents, it is not clear that even upon the automatic below 78 % LTV  is reached, that the amortized date is also required to be met. It is even extremely deceptive when the sale price of the home versus the actual appraisal amount at the time of sale is used, thus squelching the idea of negotiating a good deal for the consumer. Where is the incentive to pay down the principle and try to get ahead. I am  XXXX   XXXX   XXXX  and will be  XXXX  in 2 months and trying to get this extra {$160.00} amount for PMI removed from my loan is threatening my ability to retire.   I could understand I the  LTV had not been met, or maybe even the requirement for a new appraisal, however when the requirement is mandatory through a company that PNC owns, there is obvious collusion. I believe th is issue was the intent of the CFPB 's existence is the first place versus it 's other nefarious intrusions in the financial community, but I am afraid the big banks will continue to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, 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:
I went to get services with  XXXX , my first attempt took over an hour and resulted in me having to leave for a prior engagement without getting anything completed due to their customer service lack of knowledge and ability to do their job. They pulled my credit even though nothing was accomplished, which I told the CS  rep an d asked her to remove it and she said they did not pull my credit, which was false as I have credit monitoring, which I told her and she just did n't understand. So I get back later that day and try again but made sure to talk to someone to let them know they already pulled my credit, they said they would need to again. I said absolutely not and ended up doing the security deposit option instead. As no services were rendered under the first pull and I ended up using the security deposit option, this inquiry should be removed. I understand applying for credit and being denied, but in this case there was no denial of service just incompetence on  XXXX  side. Please have the company remove this fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is n't collecting on the debt so why is your company still have it listed, requesting removal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Mobiloans, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan for  XXXX  but the finance charges are so ridiculously high that I ca n't sustain the payments. I feel these predatory and illegal practices that are designed to trap consumers in never ending debt.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: TN
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 have had multiple loans through XXXX/Navient since I began school in XXXX. Since then I have had issues with my finances and have asked them for help. I have always been told that my payments are based on my income and are as low as they can get, even when I was unemployed my payment amount did n't change for this reason. They suggested I do a forbearance, which I have had for a few years now, and have gained quite a bit of interest due to this. I have never gotten any assistance in trying to make my monthly payments affordable and am just now at a place financially where I can afford them, despite being out of school for several years now. I always felt they took advantage of my situation, threatening default if I could n't make payments but not offering me any options other than a forbearance. Even going as far as stating I was n't eligible for a no/low income deferment when I was unemployed. I have had nothing but issues with this company and feel like anytime I need to speak to someone I get the runaround, being transferred from XXXX person to another because each person I speak to can not help me for XXXX reason or another. I will end up now paying over {$5000.00} more than what my loan is actually for because of all the interest I have accrued during the forbearance they required me to do. I received a call last night about the lawsuit being filed against the company and would like to be considered as I feel the issues being brought up in this lawsuit are exactly what I have been dealing with the entire time I have had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from Green Point Mortgage a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX XXXX XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX XXXX XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted my servicer because my takes have gone down by  XXXX  since closing on the home over a year ago. This reduction should have had an immediate effect on my mortgage payment. My servicer is still continuing to charge me for a taxes at the old rate, which is almost  two y ears old.My servicer has refused to make adjustments and apply the excess amount that is in my escrow account to my principal. I have been promised this would be handled and they have refused to make adjustments. I have emailed back and forth with customer service to no avail.If my mortgage servicer is completing an escrow analysis as promised then they would have noticed there is a surplus in my account. This refusal is horrible and I need assistance. It appears the only way to reduce this is to refinance the mortgage and I will not do that. My servicer needs to be held responsible for this undue stress. This undue stress has caused me to be late on my mortgage payment and incur unnecessary late fees. All while my servicer sits with excess money in my escrow account.My hours have been cut over 7 months ago and I still make my mortgage payments. I expect them to do their job correctly. Just as they expect to receive mortgage payments

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 2017-05-01
Company: CITIBANK, N.A.
State: ID
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:
No longer receiving paper from Citicards.com statements as of  XXXX   XXXX , 20017. Consequently we were assessed late fees and a higher interest fees ( 29.9 % ) than we agreed upon.     Customer service ( in the  XXXX    ) telephone discussions were unintelligible and prolonged. Many conversations had to be ended due to inability to understand their spoken words.
Use of multiple verbal labels used by the CITI service rep 's to describe interest fees, late fees and service charges.

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