BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After my NC foreclosure funds ran out I called BOA for assistance. After XXXX missed payments I was told that I would need to fill out some paper work. I couldnt find XXXX for a few months, boa told me he was dead of course he wasnt. I missed XXXX payments, found husband, sent papers in, kept getting letters saying they were working on it. paid them XXXX payments XXXX and BOA tells me my payments were going to be XXXX, I asked counselor where did they get the numbers to work with to determine this was to be my amount. No answer..I fell at work XX/XX/XXXX on XXXX XXXX. I told counselor I could not make those high payments, she said you can modify 2 times in 5 years. XXXX sent to me again, questions were to be answered by signer was not told that so I sent in my information. counselor called she said we need for me and XXXX to write hardship letters and each sign the other ones papers. Again I asked what financials were used to get this amount, they used XXXX income from XXXX, when he was making XXXX a hour, for the last 3 years XXXX has been in WV, he said in XXXX he made less than XXXX, XXXX he got less than XXXX he did not file, his employers said they mailed them and then business was gone. XX/XX/XXXX he stated he started at a XXXX XXXX and has worked 4 weeks at XXXX a hour. 
I have called various banks and mortgage lenders and they state they get credit score and tax papers for doing a modification, not financials from 9 years ago. Im back down to losing my home again, i was told also to check into HAMP. I am so sick of playing cat and mouse with this bank. I was seriously injured on my job, no medical offered at that point, retained PI lawyer, they wont return phone calls, he has to file with State of NC for them not returning his calls in regard to my injuries looked at. BOA is stressing me out. I know BOA is the worse bank to deal with especially using old information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-06-17
Company: Navient Solutions, LLC.
State: IA
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 have been making payments on a defaulted Private studen loan owned by Navient former XXXX XXXX, beginning XXXX 2013, in hopes to rebuild my credit. I was a XXXX XXXX student and have learned of their predatory charges as well not to long ago. Recently I reviewed my credit report and notice that the payments I have made were still being noted as Charged-Off ( CO ). I have tried to contact the debt collector, XXXX XXXX XXXX ( XXXX ) and was told they are suppose to note it as payments being made. I then contacted Navient, with a few run around, i was later told the only way it will no longer be noted as CO was if i paid the balance in full of XXXX. I 've contacted the credit bureau, XXXX, to get some insight and in hopes if the situation was disputable with no avail. Nearly after XXXX years of paying on time every month through their debt department of XXXX, my account is still in default until the balance is paid off in full. Once you 're in default, there is no way out, you 're stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: CA
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 complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is not a complaint against the bank per se, it 's more a complaint about your regulation for this particular type of transaction. My friend was in desperate need of money and he asked me to deposit {$60.00} into his B of A account. When I presented B of A with {$60.00} in cash, they insisted on seeing my driver 's license and recorded my number in their system. They claimed this is a regulation from the Federal Government. I think this is absolutely ridiculous. Depositing {$60.00} in cash and recording that information serves XXXX purpose other than just more paperwork, and more useless paper-trailing and XXXX XXXX tracking. You 're not stopping any XXXX activity nor catching any XXXX by having them monitor a {$60.00} cash deposit. I would understand maybe if you had some kind of threshold maybe of {$1000.00} or something but me lending my friend a few bucks is no ones business. I like the idea of the CFPB, but your XXXX regulations like this make me want to side with some Republicans and get rid of your department.

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 2017-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a loan with Bank of America XXXX to refinance my home. The XXXX application was denied on the phone because my credit score was not high enough. I asked for a letter stating that I was denied and never received it. As 3 weeks went I was finally able to get a name of a supervisor via online chat. I called him and I was told the loan never went to underwriting, therefore they were unable to generate a letter. I was told the I had to do XXXX application so I applied for a loan again on XXXX/XXXX/2016 with Bank of America and the same thing happened again. Two months later and I have not made any progress towards receiving a letter saying, '' Our bank can not help you ''. My house is going into FORECLOSURE because I ca n't get an official letter from the bank saying the loan was denied. Why am I being treated unfairly? Is this how Bank of America is allowed to operate? Is there a different set of rules that they can choose to use since they are such a huge company. I understand that being denied the loan would not make the bank any money, but can I simply get a denial letter so that I can move on and get an extension on my 2nd mortgage that has matured. PLEASE, CAN SOMEONE HELP ME SAVE MY PROPERTY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a case # XXXX if you look at this you 'll find that Bank of America is still charging a PMI on my mortgage even though I been into this mortgage going on XXXX years. I will go over this again. I purchased my home in XX/XX/XXXX I 've never been late or missed any payments. In XX/XX/XXXX I refinanced my mortgage using the same lending company as used to create the original mortgage. The cost for the home when I purchased it was {$180000.00} and I put XXXX % as a down payment. I now owe approximately {$130000.00} When I refinance it was HARP because my home is under water. My problem is Bank of America wo n't dropped the PMI because of my refinancing in XX/XX/XXXX, nor will they tell me what amount the mortgage has to be to eliminate the PMI. Bank of America wants me to pay for a home appraisal. Please tell me, am I being penalize for refinancing using HARP which is intended to help consumers like me. I 've read your bulletin about this several times and I ca n't see how this is legal. My email address is XXXX

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 2016-08-26
Company: PRIMARY RESIDENTIAL MORTGAGE
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have been dealing with an agent for a company called Primary Residential Mortgage and she has been giving me different and wrong information for months now. today she accused me of going behind her back and saying false things and told me that I need to be a man, that she does n't do business like that and that " she will not do anything for my loan and that ii could kiss my loan goodbye ''. I have been misinformed on numerous issues during my loan process and have been treated less than fair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have tried multiple times to work out a satisfactory arrangement for payments with Navient to prevent XXXX of my student loans from going in to collections. When I first took out these loans myself, I was not adequately informed nor understood all the terms, except the XXXX XXXX telling me to sign so I could start school. 

No matter how many options or managers or customer service staff I have talked to from Navient, they were not able to get me in to a program or lower my payment so I could afford it after a drop in income, they even went as far as telling me to borrow money from friends, or even more money from my parents to pay them. Even suggesting I use credit cards for the payments, which would only serve to push me further In to debt and make it harder for me to overcome it, going further in to debt to pay a debt is not a sensible or acceptable answer to a customer, or for a creditor to even suggest. 

I now have XXXX loan in default/charge off and another heading there, Navient has been completely unhelpful, has refused to work with me to a satisfactory conclusion for BOTH parties, not just them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For over 60 days Pioneer Credit, XXXX, has been calling my cell phone asking for a person named XXXX. I am not XXXX. I am a man. I have repeatedly asked them not to call my cell phone and that I am not XXXX. They then have told me they are attempting to collect a date in XXXX XXXX 's name. I do not believe they are even allowed to tell me someone 's first & last name, are they? In addition, their phone calls have not ceased. I would like to file a formal complaint against this company. If I ever had a collection I would not want a company calling random people telling everyone I had a collection. Is n't this personal information and why wo n't they stop calling me?

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 2015-08-19
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an account showing on my credit report with XXXX. I call XXXX and was told they sold my account to Jefferson Capital Systems , LLC, located in XXXX MN XXXX. Jefferson is not the one reporting this account on my credit report however they are the ones that have this debt in their possession. Unless you have limitless amounts of time to sit on hold you get no answer to the phone calls. I have called XXXX times today alone and sat on hold for over a half hour. I have tried to call during CST time as I am in the same time zone. called them at XXXX in the afternoon and their office was closed. 
I would like to get my debt paid and off my credit report however I have no way of getting it. Website they provide does n't have any contact information other than the email address which they stated they will not provide me with information. 

How does a consumer pay off their debt when they make it impossible to get the statement to do so? 

I have to take time off of work to call these folks and try and get some sort of resolution I want to get this debt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I m trying to do a loan modification with my bank which is Bank of America since XXXX 2015 and till present they keep to deniey my application and ask me to short sale my property, and I have no other options without any valid reason.i ve been having some financial problems due health problems and its bills, a major damage in the house due to water leaks and Ac repairs totally needed replacement and also my property taxes are rising too high on the property which increased my escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After graduating from law school, my stepfather was helping me make my loan payments. I never missed a payment or requested my monthly payments be reduced. My stepfather unfortunately passed away unexpectedly XX/XX/2015, and all of our family 's assets were tied up in his estate. I was no longer able to pay my loan, which at the time was over $ XXXX/month. I applied for a forbearance based on financial hardship, and maintained my forbearance for six months. When I came out of forbearance, I requested an income-based repayment plan, which was granted, but brought my payment down to $ XXXX/month, which was also an extreme hardship for me. I was told this was the lowest possible rate. However, after only a couple of months later, Navient increased my payments by over {$400.00} per month. When I called to try and reduce these payments, I was heavily encouraged to apply for another forbearance. I was instructed that the payment rates had been bumped up by the Department of Education. I tried once again to apply for income-based repayment, and then Navient told me that they had to calculate my payments based on my combined GROSS income with my husband. Mind you, my husband also pays {$1000.00} a month to Navient for his own loans. That means they were calculating my payments based on combined, pre-tax, pre-Navient payment income. When I tried to point out how wrong this is, I was just told that was policy. Then, they told me that the {$400.00} bump ( now a $ XXXX/month payment ) was actually LOWER than the rate would be if I had elected IBR. This was the ABSOLUTE LOWEST they would go. Any time I requested a reduction, I was encouraged once again to apply for forbearance. Again, I have never defaulted. I have never missed a payment unless on official forbearance. I am an attorney with a good job, and I have not been able to save to buy a house with my husband or put anything away for retirement. Half of my income goes toward my loan payments, causing extreme financial hardship for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
This complaint is not as much about the servicer of my private loans than my college whom forced me to take the loans. 
The college which I attended, Illinois XXXX XXXX XXXX - XXXX, used deceptive practices to minimize the effect of taking private loans versus federal loans. Additionally, they were not transparent at all about the total costs that tuition would net. As a result of their deception, they offered a XXXX course leading to a XXXX XXXX XXXX but offered very limited assistance with finding a job after graduating! Their major courses were too broad and did not allow for enough focusing of education and since they were only a XXXX program, also did not give enough time to adequately learn enough about the industry to adequately get a career in one 's chosen field ( while at the same time costing WAY more than a typical XXXX program in other colleges ). 
All of this happened to me, and in the end, I was stuck $ XXXX worth of loans, and very limited prospects of being able to pay them back since I could not land anything but minimum wage jobs with my near-useless degree. I have since been able to have sopme of that debt removed, the federal parts of the loan, but I am still deep in debt with about {$65000.00} in PRIVATE loans that must still be repaid. I STILL do not have a job in my chosen field, and my degree has still yet to come into play. 
I urge you to investigate Illinois XXXX XXXX XXXX 's corrupt For-Profit business practices and see to it no one else is deceived and screwed over by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and Bank of America which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and BoA gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the XXXX deliquent reporting which was XXXX 2007 for BoA, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Bank of America acct # XXXX # ending in XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a Bank of America first mortgage and I have been trying to refinance my first mortgage. 

Once the refinance process was started and title work was initiated it was discovered that there was a lien on my property as a second note.. Bank of America did do a modification to my loan in 2013 in which the payment and terms were adjusted. During the negotiation of the modification Bank of America never stated that they would be placing a new/2nd lien on my property. 
I have spent over eight months trying to identify who owns & services this lien and how I can achieve a payoff. I have contacted Bank of America, HUD and FHA on numerous occasions and none of them will take ownership of this second lien. Bank of America has told me numerous times that they do not own the lien and do not know anything about it. HUD and FHA have both told me several times that they are not servicer 's of loans and do not hold notes. 
So at this point I am very frustrated with Bank of America, HUD and FHA because I can not get any answers on this lien on my property. If no one owns this second then how and why is showing on my title??? 
With this Phantom lien on my property I am not able to refinance my mortgage nor would I be able to sell my home if I wanted to or had to. I am stuck and feel scammed.

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 2016-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
i had an account with bank of america. I realized my debit card had been stolen by someone I knew, and apparently had been used to buy and send money orders as well as other things. When I reported this to Bank of America as soon as i realized what was going on they refused to give me back the money that had been in my account before the fraudulent activity as well as asserted that i was fully responsible for the charges on the account though I had no knowledge that was going to happen. I filed a report with them stating that I was not involved and was trying to file a claim for fraud however they never initiated anything even after multiple contacts with them. I am not able to open a new checking or savings account anywhere not even through second chance banking opportunities as this is listed as fraudulent activity on my part. I 've been trying to resolve this issue for a few years and need to be able to open accounts as I do not feel i should be made to pay fees for something I did not do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
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 repeatedly informed them that I am permanently XXXX and ca n't repay this loan to no avail. This has been going on for years. I tried to pay early on, but could n't manage it. I 'm in repeated forbearance for this reason. This has been going on for years.

Company response to consumer: Closed with explanation