BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been going back and forth with Bank Of America trying to get a modification on my loan they purchased from another bank. 
I am not going to provide too much of my personal information due to he fact that I am uncertain of the security of this site. I have been telling Bank of America that my interest rate is 8 % which is way too high. I have had my mortgage for about 10 years and only {$300.00} is going to the principle of the mortgage to pay it off. I paid over {$25000.00} in interest alone to BanK of America. If this bank received bailout money from the government why is it so hard for them to work with homeowners. I have been receiving letters from them asking me to just have a shot sale and move. I have never been late on my mortgage in all the nine years I have had this house. It 's only recent that I have been have trouble with paying the mortgage and I would n't be asking for help if I did n't need it. It really is starting to cause health issues when dealing with these representatives who work for Bank of America. They sound like robots as if they are reading from a script and they are repeating themselves. Example : I made a late payment, but was still trying to get approved for the modification. The representative made a statement to me, " Well, XXXX I see that your mortgage is current so there is no need to continue the process for the mortgage loan modification ''. I was puzzled and really got upset because she is suppose to be my relationship manager XXXX. She do n't really understand nor can she speak english. It 's almost like she is really not helpful with the fact that we have a language misunderstanding. She does n't work in my best interest. I have done through this for over a year and half and recent got denied yet again. I need help and hope that their is something that can be done to lower my interest rate and mortgage payment. I barely can afford to feed my family because of the fact that we are struggling.

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 2016-01-21
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a co-signer for my Daughters school loan. I have XXXX loans. She has been XXXX. I have informed Navient in the past that she was XXXX and that the max she could pay them was {$150.00}. It seems that they never document her account because I have had this discussion EVERY month for the last 8 months. 
I received no phone call or direct mail to inform me that a payment had not been made. 
I called to discuss that as the co-signer was not properly notified. I would bring my account up to date. That because I was not properly notified as the co-signer I request that they remove the delinquent from my credit. 
I had difficulty with the representative, XXXX XXXX # XXXX. 
1. He does not speak XXXX very well. When I asked for a fluently XXXX speaking representative XXXX was not " available '' 2. I was told XXXX different numbers that needed to be paid. XXXX ( her monthly agreement {$150.00} ). 
total bill of {$670.00} or the total bill of {$940.00}. 
3. He told me he would not remove the late payment ( remember I am the co-signer and I was not properly notified ). I asked for his supervisor. XXXX was not provided. He then told me he COULD remove it from my credit-IF I gave him authorization for auto debt from this point forward. I do n't do auto debt. There have been some complaints filed of Navient messing with peoples bank accounts that I read on line. Another concern was he told me XXXX different numbers that needed to be paid. {$280.00}, {$670.00}, or {$980.00}. The monthly payments are {$150.00} I thought about going ahead and giving him an account number if it meant removing it off of my credit. He told me in another sentence he WOULD NOT be able to remove it from my credit. 

I then got frustrated and pointed out how many times I repeated myself and had to explain things. That he was telling me XXXX different things. The amount owed and his authorization to remove from credit. Also that a supervisor was not available-but I could hear someone in the back ground coaching him? 
The bottom line was I was only able to talk to him-the communication was confusing- I was told to give him my bank account number or he would disconnect the call. 
My call was disconnected ... .... The End

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

Complaint:
I have contacted citibank and can not get through to there XXXX fraud department or to anyone knowledgeable. On XXXX XXXX, I placed a fraud alert on my credit report due to recent fraudulent activity wit XXXX XXXX. XXXX XXXX, there was a Citibank N.A hard inquiry placed on my account. I have contacted the credit bureau regarding in which I was told I would have to contact the financial institution and get something in writing to send to them. I have contacted Citibank 2 days in the row in which I was told I wold have to speak with every single card department they have to figure out what type of card was applied for. That is absolutely ridiculous! How can I know what type of card was applied for? Am I supposed to find the person who did it and ask them? All I would like is for the information to be taken off of 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 non-monetary relief
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Attended a XXXX school for XXXX XX/XX/XXXX. We were never given cost of tuition for the course, however the loan department frequently pushed grant and loan applications at us. In the second year of school were were working entirely at our hospital locations without any campus time, yet we were still summoned quarterly to sign loan applications or face expulsion. Facing that I dutifully signed the loan applications, and six months after graduation determined I owed {$12000.00}. It was several years before I could afford paying the loans, everytime XXXX XXXX would push for deferments on the loans, even when I asked to refinance the loans, XXXX XXXX denied me, stating I had to go through them first. Then XXXX XXXX suddenly stopped talking to me entirely, instead going after my parents, being co-signers on the loan. I had n't heard whether my parent made any arrangements with them, and it has been eight years since I last heard from XXXX XXXX. However, after my father died XX/XX/2016, I suddenly began getting notifications from a Navient group, stating I was over 6 months behind on my loans, and that they had added a whopping {$30000.00} in interest to my debt, even though I had never heard of these people, and the last I heard my parents were supposed to be managing the loan by at least making interest payments. After my mother died XX/XX/2016, a company called Student Assistance Corporation sent me a single letter saying my loans were overdue, with no balance, no payment history, no explanation as to why no one had contacted me in a decade. Navient had harassed my employer to the point our human resources officer had to get involved to stop them earlier this fall, and now Student Assistance Corporation calls my home phone a half dozen times a day and does n't leave messages, nor follows up in writing with their attempted communications, nor have they sent me any other documentation beyond the one letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied online to Bank of America for a new mortgage loan on a used townhome in XXXX XXXX, Florida, on XX/XX/XXXX. Mortgage loan officer, XXXX XXXX, contacted us and began the data collection process. During the next three weeks, numerous documents XXXX financial statements, insurance, sources of income, tax returns, etc. ) were supplied to BOA on a very timely schedule. Our credit card was charged {$440.00} on XXXX XXXX for an appraisal and credit report. All the while, XXXX confirmed that the requested XXXX XXXX closing date should be on schedule. After the appraisal was conducted on XXXX XXXX, XXXX XXXX, Home Services Specialist, called to say our loan package was very clean, that he rarely saw insurance issues already covered at this stage of the application like ours were, and that not only was the XXXX XXXX closing date feasible, but that we should be able to close earlier if desired. On XXXX XXXX, we were contacted by XXXX XXXX, Home Services Specialist, to provide additional documentation. The pace of activities and responses from BOA definitely slowed down under XXXX. On XXXX XXXX she advised the leasehold on the property would be reviewed by BOA on XXXX XXXX. On XXXX XXXX, XXXX days before our scheduled closing, XXXX XXXX advised us that the leasehold approval, and thus the entire loan package, had been denied. BOA knew at the very beginning that the property was a leasehold, as are all properties on XXXX XXXX, having been given to XXXX County by the federal government in XX/XX/XXXX It is inexcusable for BOA to have taken XXXX days to report back to us that the leasehold did not meet their requirements. XXXX asked if a refund of our appraisal fee would " help '' ease our dissatisfaction. On XXXX XXXX and again on XXXX XXXX, I contacted XXXX of XXXX supervisors, XXXX XXXX and XXXX XXXX, to reconsider our application based on our excellent credit, finances, and having been a BOA customer for many years. XXXX concurred that they had " mishandled '' our application by having waited so long to review the leasehold, apologized, but still replied " no exceptions '' to their loan denial. On XXXX XXXX, XXXX called to report that the appraisal refund had been denied. I suspect they did n't want further documented evidence of their wrongdoings. Not only are we out of pocket {$440.00} and almost XXXX weeks of lost time, we have to find a new lender, incur a higher loan rate over the life of the loan and higher closing costs, disrupt our scheduled move, utility connections, insurance arrangements, and hope that the property seller is still willing to hold the sale for us. Our financial losses alone will be several thousands of dollars. BOA should not be allowed to get away with such blatant practices at the cost of the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: AL
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:
Navient has n't been very helpful at all. I set it up for them to take my payment straight out of my bank. Well after a couple of months I started getting charged late fees for no reason. I called them to check why and they told me that I did n't have it setup to get my payment taken out of my bank. I checked their website and there it was ... my bank account information was still there but they were n't taking the payments out. I called back to let them know and they continued to tell me I had to set it up on their website. I also tried to get my loans reduced after going through some financial trouble and they told me I did n't qualify. Told me the only thing I qualified for was forbearance or postponement. They have been pushing for me to do forbearance or postponement for over a year now. Well I now have several late fees and am numerous payments behind due to all the misunderstanding on their end. I do n't feel as if I should have to pay any of the late fees due to their mess up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I requested a 12 month deferment to for my Navient student loan in 2010. I had lost my job in 2010 and this is the reason I needed to deferment. At the time I requested it they were called XXXX XXXX. I tried to contact XXXX XXXX in the 12 month. They never notified me they changed into Navient. They came back and said since a was one month over the 12 months, XXXX total that my account was sent to credit collection service called Pioneer. My loan was for XXXX. They added XXXX for the one year deferment. The total was XXXX I would owe. Navient-Pioneer said since I wnt one month over they were adding XXXX to my loan as capitalized interest for the one month over. My loan went from XXXX to XXXX. They never contacted me about the name change. Can they do this to me? Is this legal to charge someone XXXX for a month for interest. I call them and never get any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent or repeated callsCalled outside of XXXX-XXXXThreatened to take legal action It has called my home on at numerous occasions in the last 2 weeks leaving the following prerecoreded message. " My name is XXXX from the Municipal Services Bureau. I am calling about a serious court matter that maybe of direct concern to you, and I urge you to return this call as soon as possible. Please give this call your immediate attention! You may reach me at XXXX " No information about what it is regarding and I do not have anything outstanding anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America denied access to my banking account and held my funds without giving me access to my funds. Bank of America states that they will be closing my account and my account will be on a hold status. Account number XXXX, also I was denied full disclosures.

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 2016-09-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for a Citi AAdvantage Platinum Select World Mastercard XX/XX/2016. I received my approval notice and initial disclosures dated XX/XX/2016. The disclosure indicates that I have an introductory APR of 0 % for 14 months, so when my first payment was due XX/XX/XXXX, I only made the minimum payment of {$45.00}. On XX/XX/2016, I was charged nearly {$55.00} in interest on the remaining {$2900.00} balance. I contacted Citi via online message, and they messaged me back that the charge was valid and they 're not refunding my money. I checked my disclosures at home and called them, at which point they told me the 0 % offer was not on my account ( despite the paperwork they sent me saying the opposite ). They told me that though I applied under offer terms including 0 % introductory APR, they are allowed to approve me for the product but apply different terms than what I applied under. They said they will open an investigation that will take 14 to 30 days to conclude and falsely told me that since I paid off the entire balance ( including the erroneous interest ) today, I would incur no further interest charges. Though my current loss stands at {$54.00}, because of the way credit card interest works, I will be at a further loss by the time their investigation concludes.

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 2016-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my XXXX lender was XXXX XXXX, my XXXX lender was COUNTRY WIDE MORTAGE, & my XXXX lender was BANK OF AMERICA .How did B.O.A. end up with my mortgage legally & eventually foreclosed on my home.I lost my home in the end..

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 2015-04-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In order to pay for XXXX XXXX, I took out loans with XXXX XXXX ( as well as State/Federal ). I, like many others I 've heard from, have had difficulties communicating with XXXX XXXX representatives and getting good information. 

I have requested information from XXXX XXXX regarding how my minimum payment is calculated and about the history of my loan balances and how they have changed over time pursuant to the amounts I 've paid - e.g. how much was applied to interest vs. principal. 

I have been told this information is too difficult to gather ... and that the XXXX format of the information is difficult to translate into an email or letter. I had a sneaking suspicion that the minimum amounts to pay each month and they way they were being allocated were sub-optimal for me. 

Similarly, I requested an amortization schedule from them so I could get an idea of how my loan balances should reduce over time. I was told this was impossible because of my variable interest rates ... however, all of my loans through XXXX XXXX have fixed interest rates. A follow-up communication by me on the matter was not replied to. When I plug in my XXXX XXXX loan information ( principal balances, interest rates ) into Amortization calculators on the internet ( designed for mortgages ), I get different minimum payment figures than what XXXX XXXX provides, which furthers my distrust. 

I have included a PDF from XXXX XXXX that shows their answer to my aforementioned question, which includes the element about my loans and their variable interest rates. Again, my loans have fixed interest rates. 

Are these unreasonable requests? And how should I best approach the matters? XXXX of the reasons I decided to refinance recently was not just to save money, but also to not have to deal with XXXX XXXX anymore. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Franklin Collection Service, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Franklin Collection Service , Inc. hereinafter referred to as ( " FCS '' ) did not provide me with a Debt Validation Letter and subsequently placed their unauthorized and impermissible collection account on my credit bureau record ( XXXX, XXXX and XXXX ). I have requested for a Debt Validation Letter from FCS to no avail. FCS is in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I respectfully request for the CFPB to instigate an inquiry into FCS accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I received an alert that synchrony PayPal MasterCard had hit my credit I immediately contacted the phone number XXXX XXXX provided me with I called them and told them I did not apply for a credit card they assured me they would notify the credit bureaus and remove the inquiry I have disputed w all three bureaus and have gotten nowhere I also cant get any answers from the company

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 2016-10-15
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Name is XXXX XXXX XXXX XXXX. 
Concerning XXXX XXXX XXXX XXXX XXXX CA XXXX-Loan # XXXX : My Mortgage company ( PRMG ) claims they returned an accepted payment that was processed on XXXX XXXX 2016 in the Amount of {$1700.00}. My bank has confirmed the payment was not returned. PRMG has provided no evidence of a returned payment. They have assessed late fees and insufficient funds fees as well as home inspection fees. I have provided them with direct contact with the bank, as well as evidence of no returned funds, in the form of bank statements as well as an ACH trace number. They will not accept my XXXX payment without a repeat payment for XXXX for a total amount of {$3600.00} including penalties. 
Concerning XXXX XXXX XXXX XXXX XXXX Ca XXXX-Loan # XXXX : PRMG transferred servicing divisions for this loan on XXXX XXXX 2016 they did not include a previous payment to the previous servicing division in the amount of {$1600.00} which a check was cashed on XXXX XXXX 2016. They have been informed several times that the payment was made on time and have yet to reconcile the internal issue instead I have been charged late fees and penalties and they will not accept an XXXX amount unless I pay XXXX again because they credited the XXXX payment to XXXX. They are demanding {$3200.00}. 
I have tried to work with PRMG and all efforts have been in vain, including providing bank statements, ACH trace numbers, account numbers, as weell as direct contact with the previous servicing department who informed them of the internal errors. This has already negatively effected my credit, and peace of mind. I have been treated as if I am irresponsible and guilty of defaulting on agreements to pay, which is an insult to me as a XXXX, XXXX Veteran, my integrity is my most sacred possession. Please advise me of the next step in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies has violated my rights 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 XXXXXXXX Personal Loans Companies XX/XX/2021 Equifax 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15U.S.C. 1681 Section 604A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation