BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In applying for a loan modification, Bank of America, I was told XXXX would be contacting me to help with the application form and any other paperwork needed for the process. I was sent someone, XXXX XXXX, 2015 who went over the docs and said he would be sent the next day XXXX. I called BoA on XXXX, and asked if they had received the paperwork and they had not, but that they fully expected them to be there in a few days. I kept calling for three weeks and no one could track where they were. I was anxious because the paperwork contained tax papers and copies of my bank statements. When I asked BoA to verify that the person was indeed who he said he was and legit, they had no idea how to track who had showed up. I left a message at XXXX. and a few days later they called verifying that the papers should have gotten to BoA. I spent several hours following up to no avail. Finally after three weeks, I was told me papers had been received, but they could n't tell me what the delay had been and where they had been. 
In the meantime, my request has gone to underwriting and they are again asking for additional docs, which could have been sent the first time around. 
I feel there 's a game being played in which I 'm given the run-around. 
Three years ago I had been given a modification, and there were many attempts to send papers, poor follow-up and no coordination between departments. It seems to be a strategy to make it really difficult and place arbitrary obstacles so one is discouraged from continuing. 
I had also followed up previously as to why I received the particular type of modification they gave me, and have never received any explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collections through Jefferson Capital Systems in my credit report account # XXXX from XXXX XXXX. I have tried disputed through the credit bureaus that it is not mine but have had no success. I called the company and they stated I lived at an address I have never heard of and a cell number I have never heard of as well. I told them it was not my debt and I wanted it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, 2016 I was made aware of my redemption rights and moved forward with selling my property at XXXX XXXX XXXX XXXX. XXXX KS XXXX. 

XXXX, 2016 I arrived at my property and discovered someone had mowed the property, changed the locks, pad locked the garage door and fence gates and removed all of my personal items. At that point i contacted Bank of America and was transferred multiple times with no resolution. 

XXXX XXXX, 2016 I entered into a binding contract to sell my home and closing was scheduled for XXXX XXXX, 2016. 

XXXX XXXX, 2016 I researched Bank of America and emailed XXXX XXXX, Chief Administrative Officer. XXXX then passed me along to XXXX XXXX, SR VP Enterprise Customer Care Resolution. He called me the same day and I made him aware of my situation. XXXX and I began communicating through email after the initial call I received from him. He made a few phone calls and I received an email from him that day with what was supposed to be the lock-box code which was incorrect. The following day I received an apology from him and was given the correct code. 

XXXX XXXX, 2016 I sent XXXX XXXX an email stating i was able to get into my home and thanked him for his help I also asked him to confirm that I will NOT be charged anything done to the property as of XXXX XXXX ( locks, mowing, maintenance etc. ) XXXX XXXX, 2016 XXXX responded CORRECT. I have all of the emails saved as well if you need that documentation i would be glad to send it. 

XXXX XXXX, 2016 I went to my property to do some final maintenance and move the rest of my items out. When i arrived once again my house was locked up and my personal items were gone. I immediately emailed XXXX XXXX and called XXXX XXXX ( BOA Attorney at XXXX & XXXX ). XXXX answered the phone and I informed him of my situation and my frustration. He told me he would contact his client and I would hear from someone the following Monday so i could get my items back. 

As of this moment i have not heard a word anyone. 

The other issue i have is that XXXX XXXX Attorney for BOA emailed me the redemption quote on XXXX XXXX, 2016. We closed on my home the morning of Friday, XXXX XXXX, 2016. At XXXX that same day I received an " updated '' redemption quote with added charges by BOA. 

Contacts : XXXX XXXX, SR VP Enterprise Customer Care Resolution BOA XXXX XXXX XXXX, Attorney XXXX & XXXX 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 2017-03-28
Company: Navient Solutions, LLC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from Pioneer Credit recovery contacting my job without my permission, having individual sending me emails to me asking for me to call them.

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 2016-03-21
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
there was a judgement against me through iberia bank. in sometime in 2015 XXXX XXXX, with iberia bank agreed to settle the judgement. We settled in the amount of XXXX and this would wipe out the judgement, interest and all. Have document to show i paid out about XXXX to release me of all debt and yet this judgement is still on my credit report. please advise what my next step is.

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 2016-04-06
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello, I currently have student loans totaling about {$28000.00}. My loans are being handled by Navient.com. It was suggested that I apply for a Income Based Repayment plan, so I did. 
I currently do not work and our only income is my husbands income. I feel that it is not right to figure the payment amount based on my husbands income. I do not have a problem making a reasonable monthly payment or trying to figure out how to get student loan forgiveness. 
Navient calls me everyday from different numbers usually without leaving a message or they leave a computerized voice message. Navient sends me monthly email statements with different payment amounts every month. Some amounts are high and some amounts are low, never XXXX set amount. If proof is needed, I have saved every email that Navient has sent me. 
Please help me find a solution that everyone can agree on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went to the bank of America on XXXX XXXX XXXX in XXXX GA on XXXX/XXXX/16 i in the afternoon when everyone in the bank started to XXXX.I complained to the manager that they was a problem.The bank was evacuated after about 30mins and people people started to XXXX vigorously outside and paramedics and police were called in. 
I left to go home only to end up in the emergency where I was given a XXXX and told to get a prescribtion.I got a bill from the hospital which I took to the bank and I was given a number to call and I did but they told me the manager had to make a complaint I went back to the manager who told me to go call the number I called XXXX XXXX who told me to call your agency.I want my bill paid and also a settlement for suffering and 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 2021-09-01
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have multiple store credit cards with synchrony bank : Amazon store credit card and TJ Maxx, XXXX, home goods store credit card. 

Synchrony bank calls my house phone constantly. They also send me emails regularly, regardless of whether l made a payment. 

As I write this complaint those cards have been closed, although Ive been making timely payments every month. 

On XX/XX/2021 a payment of {$50.00} was made. On the XXXX of XXXX, upon receiving an email that the payment made a week earlier did not go through, l went ahead and made another payment of {$120.00} that same day. 

On XX/XX/XXXX I received another email from Synchrony bank, alerting me to yet another payment not received. Immediately, I picked up the phone and called Synchrony bank to ask why the payment l made on the XXXX hadnt reflected in their system. The associate said : l will attach a note to your account. But in order for me to update your account you must fax proof of payment to us. I told her I would fax that information to them on Friday, XX/XX/2021. 

But immediately after hanging up, and having sensed something unusual, l logged in to my online banking with XXXX l did a search using dollar amountand was able to find the transaction. {$120.00} was paid to Amazon store credit card. So l decided to call the bank again. And when I spoke with an associate she said : we found the transaction. But this has been happening, which has led to my card/cards issued by Synchrony bank being closed. All store credit cards l have with this bank are currently closed. 

Im submitting this complaint for myself. I feel as though Im a victim of discrimination. I need your help in filing a lawsuit against synchrony bank.

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 2015-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America and XXXX XXXX XXXX for illegally broke into their homes, changed locks to bar residents from re-entry, and shut off utilities well before a foreclosure is finalized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Nationwide Biweekly Administration, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shortly after purchasing my first home I was inundated with letters from a company by the name of Nationwide Biweekly Administration , Inc. These letters, copies of which are attached to this complaint, claimed to provide a more " budget friendly '' payment for my new mortgage loan, provided a " 100 % SAVINGS GUARANTEE '', dissuaded me from adjusting the payments I submit to my mortgage servicer to achieve the same promised results, and indicated their offer would expire because there was a date for me to contact them by. However, the letters did not list any payment processing fees or enrollment fees. I called Nationwide Biweekly Administration, Inc. on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$2.00} debit fee for every payment ( XXXX payments x {$2.00} = {$65.00} per year ) as well as a " one-time deferred payment fee '' which would be approximately 10 % of the gross savings. Per their own correspondence, their sample interest savings for my loan was {$190000.00}. Per their own representative, that would translate to a {$19000.00} one-time deferred payment fee, which is egregious to say the least. After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative again dissuaded me from doing so. Their representative also advised me their letters have an expiration date because most savings occur within the first year. Their representative also advised me that they would also audit my payments to ensure payments are being applied correctly, to which I replied payment applications are easily reviewable on a payment history from my servicer. I believe Nationwide Biweekly Administration , Inc. has misrepresented the interest savings I would achieve through their program, has mislead me about the cost of the program, and persists in offering a deceptive program in which I in no way requested materials on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Bank of America is suing me for a home loan I never signed any documents for. 
XXXX XXXX XXXX XXXX Multi-pledged both my residence and I have submitted a complaint on this to you and was assigned case no. XXXX. I have tried to log in to see Bank Of America 's response. And your sight will not allow me to log in or send me a password so I can log in.

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: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Was let go from my job. Can not start my new job till I sell my house. Which is being sold for {$170000.00}. Which is paid off in full. I have been harassed by Bank of America, being call at least 20 times in less then two weeks. I have spent at least XXXX hour if not 2 hours every time Bank of America calls. I have explained everything to every department 2 times, explaining my situation. Also went up to bank of America three times to fill a complaint. Was told today after speaking with upwards of XXXX people, only way to stop the calls was to fax a number to stop calling me. Also told them soon as my house is sold, was going to pay it off in full. I only owe {$9000.00} on my truck. And it 's worth {$25000.00}. Since I had my truck, i have paid double and triple payments at one time. Also paid XXXX dollars every XXXX when I get my bonus. I asked for help, asked what I could do. Finally today after who knows how many calls and people who I have spoke with. Was told to fax the number, but I have 5 days till I get turned into the credit bureau. After I paid half a payment, and told them my situation. I closed my checking 's and savings account there, because of the lack of help I was receiving. I 'm going through the same thing with XXXX, and they have offered me a two months extra to catch up. And I 've only talk to them two times. On Friday alone I was called four times, after speaking to the loan department supervisor. Not to mention I have been in a Bank of America customer for over 16 years. And have never missed a payment or never owed Bank of America any money. So with five days left now, tell my credit get s A bad report. After speaking with numerous people. I could 've sold my truck and avoided all of this. If XXXX of the XXXX people I had spoken with would 've told me this from the beginning. I have asked over and over what to do how I can make things better. We 're just for some help. I feel like I was lied to, and suckered into getting a bad credit report by Bank of America. Because they were mad that I close my accounts with them. If I was told I was going to get a bad credit report from the beginning, I could 've sold my truck or traded it in. And none of this would be happening. Bank of America has harassed me for the last two weeks. And not XXXX person has told me the same thing after speaking with over XXXX people. And being transferred from department to department to speak with somebody else who does n't know what 's going on. To be transferred again. And be put on hold for hours at this point.

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 2015-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bank of America. {$36000.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
Status : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, 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 2015-08-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter requesting validation of several times to both the creditors and the credit report agencies of incomplete or incorrect information being reported. The CRA came back with an answers that they have " verified the accounts belong to me ''. To date, these accounts have not been verified by the creditor and the CRA was informed of the notice after a 30-day period. These items still remain on my credit file, do not belong to me, are incorrect, incomplete information and harming my ability to obtain additional credit and my overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX I attended an online College by the name of XXXX College based in Colorodo ( I live in California ). I was granted student loans through Navient to attended a XXXX course which was solicited to me through a phone call. After hearing what was proposed it all sounded very promising. After receiving confirmation for the student load I signed up for my XXXX semester. I only attended XXXX term of the fist semester and completed XXXX classes, XXXX and a class that helped me understand XXXX. The only materials that I received from the school was a book and XXXX XXXX. Due to hardships I successfully withdrew from the XXXX semester. After leaving XXXX college online, they continued to pull money from my student loan service that was credited to me when I began attending, resulting in even greater debt. 
I felt that I have been wrongly charged with this loan that has not only hurt my credit score but had created a great deal of stress because I am unable to repair my score due to a default. 
Navient is now the student loan provider in which did NOT offer any solutions of lower repayment plans, but rather offered only forbearance to further delay a repayment option. After many forbearance, Navient would not grant any more and because I was unable to make the minimum payment my loan defaulted resulting in a crushing blow to my credit score. After years of trying to resolve this situation the only thing I was able to do was make a 9 month payment plan of {$8.00} to get my loan out of default. Since then, Navient has still offered no solutions of a lower repayment plan but only more forbearance. I have also learned that since my attendance at XXXX XXXX they have been in a lawsuit and has forgiving {$15.00} XXXX in student loans all the way back to XXXX. I have attempted to contact XXXX College about this but they have gone out of business so I am once again left to a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
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 have outstanding loans through Navient that i didnt even sign up for. Navient offered me a lower payment rate but then i recieved a letter stating that they reveresed the decision but didnt say why

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been working with bank of america to prevent them from foreclosing on my home. Most recently I submitted modification documents they requested to prevent my home from being sold XXXX XXXX, 2017. I also submitted my information to the " Independent Foreclosure Review '' in which they determined Bank of America was in fault in the manner in which they moved my home into foreclosure. The IFR stated that consumer credit would not be affected and the fees that were accessed against the mortgage would be removed however, the fees were kept in the modification and Bank of America stated that they are entitled to recoup and I disagree. I owe approximately XXXX on my home however the modification added approximately XXXX. I have never received assistance from a homesave program and I was told I made too little money or I made to much. I am working full time now and I have a part time job as well. Please request IFR to provide the list of benefits it offered to the consumers and that Bank of America not be allowed to double my mortgage debt in using predatory practices. Previous Case number Case number : 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 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Each XXXX/Navient representative I 've dealt with had always highlighted some " error '' that the previous representative made, while I 'm the one who bares the hardships of their actions. From incorrect interest assessment, conflicting due dates, lumping accounts together but having one separate for whatever reason, assessing my income and expenditure and deciding that I can pay much more than my most reasonable suggested amount. I 'm committed to repaying all my loans but not under the duress they 've have me under for the past year.

Company response to consumer: Closed with explanation