BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a Home Equity Line of Creidt ( " HELOC '' ) with Bank of America in the original amount of {$100000.00}. The home was foreclosed on back in XXXX. Bank of America ( " B of A '' ) reported that it charged off the debt to the credit bureaus. In XXXX XXXX B of A entered into the largest settlement in XXXX history agreeing to pay {$16.00} XXXX. As part of that settlement, over {$7.00} Billion went to debt forgiveness which was supposed to benefit consumers. For each dollar of debt forgiveness, B of A was actually credited MORE than the dollar forgiven towards the settlement. Rather than crediting collectible debt, B of A did the shrewd thing and discharged debt which, like mine, was completely non-collectible. In my case, for example, the debt was over XXXX years since date of last payment and B of A could not sue over the debt and the lien against the home had been discharged in the foreclosure sale. So B of A essentially " gave me '' the balance of the {$100000.00} loan, as partial penance for its wrongdoing, but the only " benefit '' to me is that I am now XXXX 'd on this debt and have to declare that money on my taxes resulting in a HUGE and unpayable tax debt. B of A, on the other hand, gets credited real money against its fine. So be it. Perhaps I will write to the independent settlement monitor Professor XXXX XXXX XXXX to complain about this practice. 
The issue of relevance to the CFPB is that B of A has refused, on multiple occasions now, to correct the notations in XXXX that this HELOC is still being erroneously reported as a " charge off ''. I have disputed this with the bureaus and each XXXX comes back stating that B of A is saying that the charge off is correct. It is not correct. Like in a bankruptcy case where a debt can no longer be reported as a charge off when the debt is extinguished, the bank has not " charged off '' this amount. It has " paid '' the debt ( leaving itself with a monetary credit towards settlement in excess of the amount of the uncollectable 'paid ' debt and me with a tax burden XXXX of dollars ). The only conceivable thing I could receive out of this settlement intended to consumers like myself harmed by B of A 's practices was to have the loan report correctly on my report. And they repeatedly refuse to do even that. I have all documentation ... the letters to B of A requesting removal, letters to the bureaus, and the bureaus ' 'verification ' of the 'charge off ' status. This is beyond adding insult to injury. It is further unlawful financial misconduct by B of A, under the auspices of a settlement with the XXXX consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient has randomly placed my account into a forbearance without my permission or via request by me. They have failed to notify me that actions have been taken on my account so that I am notified and aware of any changes to my account and it 's status. Navient has also failed to disclose timeline dates relating to when payment offers are made to when they must be accepted by.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2016-09-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been enrolled with automatic monthly payments with Navient for more than a year, but I began paying extra money towards the principle of my loan beginning XX/XX/2016. When I submitted the payments online I was given the option of either applying the extra payments towards the principle of the loan vs having the next monthly payment due date advanced. I successfully made an extra payment for XX/XX/XXXX-XX/XX/2016 using the online system. When I attempted to make an extra payment XX/XX/2016 the website was no longer providing the option of applying the extra amount to principle vs advancing the monthly due date. I went ahead and submitted the payment thinking it would of course go to the principle. The next business day I received an email that the loan company had instead advanced the due date of my next payment. I called them twice XX/XX/XXXX- once to have the payment adjusted and let them know that there was an issue with their website ; another time to let them know that they still had n't repaired the website. They assured me that they would get the info to their IT staff and the problem would be corrected immediately. I again attempted to make an extra payment earlier this week. Again the website was not giving an option as to how the payment should be applied. I called the company as I was trying to make the payment. They said that it may have been difficulties with their new website, so they directed me to a link to their old web address. The option still was not available, though they assured me that it would be applied to principle. While my online account is showing that the payment did post to the principle I still received an email that told me that the next due date had been advanced a month. I had to call again to ensure that they were not advancing the due date, which it appears that it was going to do just that. The representative advised me that the website should allow me to apply the extra payment to principle vs advance the due date. I once again told the representative that the website is no longer giving the option. I advised her that I have spoken with Navient on several occasions in the past month to get this situation remedied. She advised that she will send another message to the IT team. I advised her that I will be reporting Navient to the CFPB as this is becoming rediculous how many times I have had to call them with no remedy to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX claims Bank of America transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when Bank of America transferred it. However, XXXX indicated the loan was greater than {$80000.00} past due when transferred. 

On XX/XX/XXXX, XXXX Bank of America 's Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XX/XX/XXXX. Notwithstanding, the loan history does n't show any delinquencies after XX/XX/XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to XXXX. At the very least, XXXX 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since 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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Could n't be more disappointed and angered by Bank of America 's home loan department, specifically XXXX, XXXX ID : XXXX, and his manager XXXX XXXX, XXXX ID : XXXX, at the XXXX location in XXXX. We 've been a Bank of America preferred customer for decades and have excellent credit. We met with XXXX in XX/XX/2016 for a very low risk, low loan to value refinance on our vacation home in Delaware. We explained to XXXX that we rented our home in the summer and spent time there in the off season. We also said we were shopping rates, as low rates were plentiful at the time. He offered us a lock on a 2.75 % interest rate with credit toward closing costs in order to keep our business. We agreed and provided all the required documents. 
Months passed, the general election happened, and the financial environment turned as rates climbed higher. We were relieved that we had a lock but concerned that a simple refinance was taking so long, so we followed up several times with no response. Finally we received a return call in XX/XX/XXXX with news that the bank had a " counteroffer '' for us. It was XXXX bps higher with thousands in additional closing costs. When we said no, there must be a mistake, we have a lock offer, we were told the bank 's guidelines classified our home as an investment property not as a second home, and so they rated it higher. 
Had we been told this in XX/XX/XXXX, when rates were low and lenders were hungry, we would 've gone to another lender we had identified whose guidelines accepted our property as a second home. We did not make that choice at the time because we felt there was value in remaining a preferred customer at Bank of America. 
Our attempts to discuss this with XXXX were met with arrogance and denial. XXXX ' manager, listened with false sympathy, promised to review our case, consider the idea of credit by discount loan points, and get back to us. Again time passed, and when we finally got a response, we were basically told to pound sand and if we wanted to accept their higher offer, it would now cost us even more because of the time that had passed while we were waiting for XXXX promised call. 
Such disregard and disrespect for customers is causing us to move all of our accounts out of Bank of America and encouraging others to do the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently was reported to credit agencies for an erroneous medical charge that was six years old. I disputed the charge to no avail. 
In XXXX of 2011, I was observed in the Emergency Room of XXXX XXXX in XXXX XXXX, FL. A XXXX was done at that time to establish a diagnosis. The next day I was admitted to the hospital for XXXX. The problem came when the hospital billed my insurance for this test as an " inpatient '' instead of the emergency room. I fought with XXXX XXXX for months and believed the correct code was finally submitted to insurance. 
Six years and seven months later, I find I was reported to all XXXX agencies as delinquent. My FICO score went from an XXXX down to a XXXX. Prior to this claim, I did not have even XXXX late payment. I am almost XXXX XXXX XXXX and have always taken pride in my excellent credit. 
I feel I am being abused by Central Financial Control, the collection agency that apparently purchased my claim from XXXX XXXX for {$1500.00}. This was a billing error made by XXXX XXXX that I tried to correct. I am now being reported as a " delinquent risk '' because of the hospitals mistake. This is unfair to me as a consumer. 
If there is any help you can provide, I will gratefully appreciate it. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Hi, I contacted Equifax on XX/XX/2020 in efforts to dispute items on my credit file. Equifax did not respond so I sent a follow-up letter on XXXX/XXXX/2020 letting them know that I requested the Method of Verification and still have not received anything as far as the investigation goes which would prove that these accounts are mine. These items need to be removed from my credit report as per the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 'm considered " XXXX '' which means i did n't need to pay for classes up until the age of XXXX while attending any state college. I have never agreed to pay Navient and if any loan does exist, then the state is responsible and not me for this loan. XX/XX/XXXX i after receiving many unknown calls, i finally called back and spoke with a representative who advised that this particular account was past due. I was advised to register for classes to at least half time to avoid this account from negatively impacting my credit reports. i agreed and customer service representative advised on a recorded line that a forbearance was taken care of and i would be be placed back on deferment and no negative reporting would take place. Mind you, i have no knowledge of loan because i was n't responsible for paying for school. This was not done, as a result, a negative reporting was placed on report. XX/XX/2016 i called in after getting harassing emails and advised that i registered for XXXX college, but my account was set for non degree seeking and i was mistakenly dropped from courses. I did advise that i was registered for real estate class and was yet again assured that was fine and they would remove any pass due payments and no late reporting would show.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient regularly and consistently fails to appropriately apply my student loan payments. I have XXXX loans ; XXXX are paid for by my cosigner, XXXX are paid for by me. I ca n't use their Autopay system ( which I 'm assured works better ) because they have previously withdrawn large sums of money without authorization. Instead we send payments with notes regarding which chunk of loans are to be paid with each payment. about every 6 months this system fails, and we have to start again explaining to many staff members how the money is to be applied. They typically tell me I have failed to make a payment ( even though I can see it on my account website ), they threat me with late fees and collections agencies. They make threats about putting my account in deliquency. I spend weeks walking them through how to apply the payments and to which loans. I am regularly lied to about whether they will/are correcting the issue. No one is accountable when that fails to happen. They sometimes call a dozen times a day about it. I have spoken repeatedly to their Consumer Advocate office to no avail. I have determined that on time, in full payments are not ideal to Navient. They would prefer defaulted loans that they can bleed for late fees and collections fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I recently re-enrolled in school for my XXXX XXXX at the University XXXX XXXX. Prior to re-enrolling I called my loan servicer, Navient, and requested information on how to make sure my loans would be put into deferment during my time back at school. They informed me there was nothing I needed to do and that NSLDS would inform them when I was officially enrolled. Fast forward to a few weeks after I had been attending classes. At this point I had received a letter from my other student loan servicer, XXXX, stating they were informed I was in school and my account was now in deferment, nothing from Navient. I called Navient and was told they had no information verifying that I was enrolled in school again. I nicely pointed out I had just received a new federal loan from Navient to cover the cost of the tuition for my XXXX XXXX and it was already showing up on my account with the status of " in school ''. They said they could not do anything because the mere fact that I had a new loan did not really mean I was enrolled ( How else would I have gotten the loan? ), they suggested we conference call with the school. We called the school and they verified I was in fact enrolled in school and they had sent the information to the NSLDS and Navient should be able to see it. Navient simply stated they could n't and to try again later. A week or two later I got a call from Navient requesting I provide proof I was in school and some additional forms to bring to the school, up to this point I have not had time to get them filled out ( I work full time and attend school, when would I have time to wait in line at the financial aid office for an hour or XXXX just to get a form stamped? ), on my account it now states that my loans are " waiting for documentation of forbearance '', which is n't even what I 'm trying to do. I will eventually get the forms stamped but I find this absolutely ridiculous. First that clearly Navient is ignoring the XXXX as both my school and other loan servicer agree the information stating I 'm enrolled is there, and second that I have a brand new loan with Navient stating I am in school and they refuse to accept that as proof. Again I ask how could I get a new federal student loan without being enrolled in school?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Have had several issues with bank of America on their processing of payments. Had made purchases and what they do is hold the purchases and when a big transaction comes in they pay that out first and then I overdraft on all the other purchase resulting in multiple overdraft fees. contacted the bank several times and was told that is how they conduct transaction processing, Even though the other items were presented the night before they process checks first and then ACH transactions. Explained to them that is not fair to Consumers because they are taking advantage of them with all the fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XX/XX/2016 I received a mailer from Navient listing options to reduce the payment on my private student loans, including a 0.25 percentage point interest rate reduction for enrolling in automatic payments. I called Navient to confirm that my loans were eligible for the rate reduction. The agent confirmed that they were, so I set up automatic payments. Those payments have successfully processed for three months now. However, my rate and payment have not changed. I contacted Navient today to express my concern and was told my loans are not eligible for the rate reduction. I believe that either the agent today lied to me to meet goals for denying interest rate reductions, or the agent in XXXX lied to me to meet goals for enrolling customers in automatic payments. When I confronted the agent today with this interpretation and asked for identifying information for the agent from XXXX, he disconnected from the chat service we were using to communicate. I would like assistance securing my interest rate reduction and back payments for the reduction I have been entitled to since enrolling in automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX/XXXX/2015 I mistakenly made a balance transfer from Bank of America to XXXX ( {$2400.00}, {$3100.00} ), I payed off the balance in full immediately when I found this out, however Bank of America charges so many fees for this transactions. 

XXXX/XXXX/2015 MINIMUM INTEREST CHARGE $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/XXXX INTEREST REF BT XX/XX/2015 $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE {$73.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief