BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
ON XX/XX/2016 AT XXXX I BROUGHT THIS TO THE ATTENTION OF BOA MARYLAND 'S XXXX XXXX. HER AND HER BOSS STATED THAT THE ERRONEOUS LATE FEES AND PAST DUE LABEL/HOLD WOULD BE REMOVED, AS I HAVE BEEN MAKING MY PAYMENT BEFORE THE DUE DATE. 

XXXX XXXX : THE PROBLEM IS THAT THE BOA SYSTEM OR SOME EVIL, IDLE XXXX AT BOA HAS THE PAYMENT I MADE ON XX/XX/2016 COUNTING AS IF IT POSTED ON XX/XX/2016! 

XXXX XXXX XXXX : I do see where a late fee adjustment of XXXX and minimum interest charge adjustment of XXXX were credited to the statement balance on XXXX/XXXX/2016. 

XXXX XXXX : I ALLOWED 48 HOURS FOR XXXX CHANGE TO TAKE EFFECT, BUT THE PAST DUE LABEL HAS NOT BE RECTIFIED! 

XXXX XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. 

XXXX XXXX XXXX : Upon reviewing your account, I see we issued a refund request have you received your refund? 

XXXX XXXX : HER SUPERVISORS XXXX XXXX AND XXXX XXXX ADVISED HER OF THE BOA ERROR AND THEY SAID IT WOULD BE CREDITED!!!!!! 

XXXX XXXX XXXX : XXXX XXXX, upon review, I identified the issue. On XXXX/XXXX/2016, a payment of XXXX post that was applied to your XXXX/XXXX/2016 due date. On XXXX/XXXX/2016, a payment of XXXX was applied to the same billing of XXXX/XXXX/2016 because your account cycles on XXXX of every month. I completely understand your intent were to apply XXXX/XXXX/2016 XXXX payment to the XXXX/XXXX/2016 due date. I can easily correct this by issuing you the refund of XXXX that you made on XXXX/XXXX/2016. At you will, you can easily resubmit that payment. Keep in mind : Refunds can take up to 5-7 business days. 

XXXX XXXX : On XX/XX/2016 AT XXXX EST, I spoke with BOA XXXX , WV XXXX XXXX . He stated, on the purported record call, that " all fees would be removed and that the payment which posted on the XXXX will be counted for the XXXX, and the " past due '' label will be removed as there is no such thing as paying too early and it is evident that you have been paying at least 1 % of your current total balance due every month, and that the rectification would take 48 hours to be completed. '' Well it is twelve ( 12 ) days later, XX/XX/2016, and the same " past due '' label and inaccurate amount due claim is still erroneously on my account. As such this will be presented to the Attorney General, XXXX, Consumer Financial Protection Bureau, because Bank of America is no different than XXXX XXXX. You all are only trying to get rich any way you can ... past due label still appears when I login in ... I can not make my next payment before XXXX until this accounting error is removed and rectified first, because it will make everything going forward confusing and that 's what they want confusion.

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 2015-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I began the process of saving our home under the under the Home Affordable Modification Program in XXXX, which by the way save our home and I am very grateful to our government for making this happen. The issue is that I have suffered a devastating impact that is now impacting our small business. Unknown to me at the time, my payments under the trail period would be held and I would have a 90 day late reported on my credit report. I sent a letter to Wells Fargo on XXXX XXXX, XXXX to request the 90-day late XXXX XXXX be removed. I included all the supporting documentation to demonstrate that I had paid my payments on time as instructed by the bank. In addition that I successfully was approved for the Loan Modification. XXXX XXXX, I received a phone call from Wells Fargo requesting me to send them my credit report. XXXX XXXX, I fax the information. On XXXX XXXX, I contact the bank to ensure they had received my fax. Since they had no record of my fax, I asked for a email to send the documentation to and also confirmation of receipt. XXXX XXXX, I received a letter dated XXXX XXXX, stating " Under federal government 's guideline for the Home Affordable Modification Program we are required to report when the account is past due at the beginning of the Trail Period Plan ''. I contact the person that was handling the account and stated I made the payments on time as I was instructed. XXXX XXXX, I received another letter from Wells Fargo stating that more time was required. XXXX XXXX or XXXX, I received a phone call from the person at Wells Fargo handling my request, whereby I was informed that they are unable to change this reporting on my credit report since it is mandated under the Federal Government. I asked them to provide this decision in writing. As of today, XXXX XXXX, XXXX I have not received any written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I closed my secured credit card account with BOFA on XXXX XXXX. I spoke with a representative who told me that processing time would take 14 days at which point the prepaid funds in that account would be deposited directly into my checking account. Apparently a physical check was issued to my address on file ( which was incorrect ). I was not contacted and told that a check would be issued instead of a direct deposit into my bank account. After 18 days of not receiving my money, I contacted secured credit services and spoke with another representative who informed me that they would have to put a stop payment on the check and reissue a request for the still owed funds to be deposited within another 14 days. I requested to speak with a supervisor and after a lengthy conversation he " expedited '' my request and told me it would instead be processed in 3-5 business days. 5 days comes and goes and I still have not received my money, so I contacted the bank for the third time and after hearing my problems a rep informs me that it will take another 10 days and that she was unsure why someone had misled me a second time. After asking to speak to a resolution manager I am told that it can take 5-7 business days to deposit the money owed and that she was also unsure why the expectation was set that I would receive owed funds in my account within the suggested time frame. Because I was not ever once contacted, I was unable to prepare for expenses ( as I was assured that the money that Bank of Amerca has been holding onto for over a month would be deposit within a timely manner ) and now am incurring late fees daily. I understand that there are processes in place for a reason, but those proccesses do not seem to be universal and change each time I speak with someone new. Had I known that this would be the case with BOFA, I would have already closed my bank remaining bank accounts as I can not trust that they will keep to their word and not hold onto my money for seemingly no reason. I have been loyal to BOFA since 2011 but am becoming increasingly frustrated as this has had a direct affect on my quality of life.

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 2017-10-12
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX I went into my local XXXX Bank of America Branch because of a Levy on my account. I was given a phone number to call. I contacted the Rep at the bank who would not provide anything but a phone number to call and a reference number. The Levy was initiated in New York against my business. The Legal Department would not communicate with me or my Attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. I specifically inserted compliance with the Rep. XXXX XXXX XXXX of XXXX Law in New York. The bank refused me access to {$2600.00} and began charging insufficient bank charges. The Bank allowed Levy of a personal account that is for my husbands Workman 's Comp, XXXX XXXX Check in the amount of XXXX, as well as the personal account had less then XXXX in it at the time. This is above the legal limit to freeze and account in the State of New York. 
All bank charges, including XXXX on {$100.00} Legal Order and charges for returned checks have not been returned. As of XXXX XXXX, I have not received any writtten documentation from the bank or the exempt form required by law, neither has my attorney received these documents. I have also referred this to the New York State Banking Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: MS
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 is reporting on all XXXX of my credit reports as several times for different accounts under different options. Some are in good standing while other are not. I suppose to be under IBR and at the moment have a zero balance. It is really putting a negative on my report and scores

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a victim of identity theft and have since engaged XXXX to monitor for account openings, financial activity, etc.. using my SSN and/or name. On XXXX XXXX, 2015 I received multiple notifications from XXXX stating that checking/savings accounts had been openend in my name using my SSN. I quickly contacted Wells Fargo, provided all identifying information and offered to go to a branch and provide my ID and SSN cards as proof. I was informed by XXXX that XXXX checking accounts ( with XXXX debit cards ) and a savings account had been opened using my SSN and name however the ID info was different. I informed XXXX that I did not open the accounts and they had been opened fraudulently. I requested the acocunts be CLOSED IMMEDIATELY and was subsequently told that the accounts can not be closed until I obtain a police report and complete a Wells Fargo form. These accounts are opened in MY NAME AND MY SSN but I can not close them without taking off from work and going to file a police report, then having to take off AGAIN to go pick up the police report and submit along with the Wells Fargo form so they can conduct an investigation before the accounts can be closed. This is Ludicrous! I have had a mortgage with Wells Fargo for several years and they can clearly see I live in XXXX yet they knowingly opened accounts in XXXX without properly verifying the identification of the individual because if they would have verified the ID they would have realized it did NOT MATCH what they had on file for me! Wells Fargo has failed XXXX and XXXX responsibilities and I am being punished for their lack of concern for these policies!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: SECURITY FINANCE CORP
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was no allowed to apply because I disagreed with their policies from a previous loan. I have had multiple loans there and have never been late. I have an excellent pay record with this company. They just did not like the fact that I questioned them about their policies and refused to allow me to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.

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 2016-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I owed BOA XXXX. I paid them XX/XX/XXXX with a Certified check for XXXX ( sale amount from XXXX XXXX ) I have not recieved the money difference or title.i was told 3 days then 3 weeks and I still have nothing.

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 2016-07-14
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2014 I went to emergency room XXXX, they gave me an antibiotic and said that if I became XXXX I should go back immediately. 
2 days later I became XXXX in the middle of the night and went back, after several tests and XXXX, the doctor said that their previous prescribed antibiotic was wrong and had caused the XXXX. 
All of the charges they are trying to collect comes from their wrong medication that they gave me and nothing else. 
I 've told this to the emergency room accounting staff as well as the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: OH
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 student loans where about XXXX dollars in the XX/XX/XXXX and payed on them, my husband applied for these loans. We payed on them and them in XX/XX/XXXX my husband died and i was unable to make payments have had several forberances and now my loans is XXXX dollars there is no way i will ever be able to pay this loan off. I made several attempt to pay something on them and they based it on income which was still way to large a payment for me to make with only XXXX income. The would not accept any payment unless it was the entire amount. My loans started with XXXX XXXX and where sold to Navient. I have had to do forberance and interest and fees and mounted up to very larger charges. Please let me know if there is something I can do. Am I a candiate for the current lawsuit that is now going on. I am now on forberance because I am only working part time.These loans are for my daughters college education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My loan servicer is Navient, after spending XXXX hours in their phone queue, I was able to talk to someone about my private student loans and getting them into forbearance. Navient was unable to find the forbearance letter, and suggested that I did not actually get the private loans approved by them. After asking to talk to someone about getting them into forbearance, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I successfully completed a trial XXXX modification program with Ditech from XXXX through XXXX of 2016 ( due to hardship of divorce ). I paid {$1900.00} per month during the trial. In XXXX I received a letter dated XXXX XXXX congratulating me on the completion and letting me know my new monthly payment would be LOWER than the trial -- at {$1400.00} per month! 
I called immediately to check this and was told it was correct. I logged on in XXXX to pay my XXXX bill and the {$1400.00} was showing. I also received statements showing this amount. 
For XXXX, XXXX and XXXX I paid the lower amount ( before it was due, in full, electronically ). 

In XXXX I got a letter saying if I needed help with my payments, I could learn about modification options and that I 've been assigned an account manager ( someone new, not the person who was assigned throughout my trial modification ). 

I called immediately and was told that I was in arrears by almost {$5000.00} and that I had to come up with a lump sum to get current. Yet, the collections department ( where my " new '' account manager sits ) did acknowledge the letter that came AFTER my modification, they claim my notarized modification paperwork was for the higher amount and that I KNEW I should 've been paying it. I confirmed they had the post-trial letter saying AND BILLING STATEMENTS showing the lower payment amount. 

I have been calling them repeatedly for the past week or XXXX to get this rectified -- their claiming my former modification manager is no longer there ( or available to me ). They, allegedly, have elevated this but it 's still not resolved. I withheld my XXXX payment as they were saying it would be applied toward XXXX 's mortgage ( remember, I paid XXXX, XXXX and XXXX IN FULL ). The online account showed all that until last week. When I logged on to pay my XXXX bill it had a bunch " reallocations '' and showed I 'm in arrears. I 'm also not allowed to make any electronic payments. I am concerned that the company is going to cause trouble for me here and am thinking it may be wise to retain counsel to help ( although I 'm broke, after going through divorce, I can ill afford to get XXXX by Ditech ). 

Also, Ditech sent someone to my home who took pictures and left a notice on my door -- this was on XXXX XXXX. They never alerted me, the person did n't announce his presence and the form he left on my door saying to call Ditech had no contact name or extension. Not only that, it caused my XXXX XXXX XXXX son some XXXX and XXXX - -he did n't know if this was someone looking to break in or what was going on. I am sickened by this situation and need some help, please?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries that should be removed. XXXX XXXX services - XXXX XXXX XXXX, XXXX - XXXX. Additionally, there is personal information being reported that I did not authorize : XXXX XXXX  Bankruptcy - XXXX - reference number XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Per 15 U.S. Code 1681 b - permissible purposes of consumer reports, this should be removed.

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing 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 2021-08-04
Company: Synovus Bank
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
First progress card requires you to pay XXXX XXXX deposit and that is your credit line once you pay that the card is activated. I did this and made two purchases resulting in around XXXX dollars debit. They then immediately closed my account and I keep calling and they hang up on me when I ask why my account was closed and request the remainder of my deposit back which would be around XXXX. I funded the deposit on XX/XX/XXXX and was canceled XX/XX/XXXX. Never received a bill that I did not pay in that amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I owe two payday loans and have done so for years but this time I have defaulted. I am on social security and just do not have the funds to repay at their rates.

Company response to consumer: Closed with explanation