BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
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 currently have my student loan through navient and have had several issues with them and have come into times were I was unable to make the monthly payment and was told I should do the forbearance, I have been told several times if I can not make the payment that month I can reapply for the forbearance again and place my account on hold. I have made payments plenty of times and it seems as if because of the interest my loan never goes down. Can you please contact me regarding this issue, I feel like this loan is never going to go away even though I 've made payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting I owe XXXX I have never had a XXXX account after talking to XXXX they informed me its is under the name XXXX XXXX I have never had the last name XXXX this is not my account. I am also contacting my State Attorneys office because this is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Navient Solutions, LLC.
State: FL
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:
I contacted Navient back in XXXX XXXX 2015 to get foreberance because I am in school in XXXX. I paid the XXXX bucks. Now two months later I get a debt collector stating im two months behind. I called them and was told payment didnt go through. I asked them to tell me the account information. The person had entered it incorrectly. Because of their error im now behind and its affecting my credit. I live XXXX and I put email correspondence. My family said they recieved no letter. The manager told me its not their fault and even though they made the mistake its my responsibility to make sure payment was taking so its still my fault and I must pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card
Issue: Other fee

Complaint:
-- Price gauging with foreign transaction fees at Bank of America BankAmericard credit card -- I was charged a foreign transaction fee in the amount of 3 % of the transaction value for the purchase of a rental car at XXXX, which I charged to my BankAmericard credit card. The purchase was in XXXX. A nominal charge of 0.5 %, capped at a certain max. transaction value, would be acceptable and fair on transactions in foreign currencies, but 3 % is price gauging.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient sent my student loan to collections. I came to a settlement agreement with the collections agency and paid the amount before the required date. Navient has still not removed the balance from my credit report. In addition, they sent the the loan to a new collections agency, even though the entire amount has been settled. Attached I have a copy of the settlement letter from the original collections agency, proof of payment and a copy of the letter from the new collections agency asking for amount that has already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We would like to request your help in contacting Bank of America or XXXX XXXX XXXX in our behalf. Regarding our second mortgage that we believe we were eligible to be part of the EXTINGUISHMENT Bank of America 's program. 
Bank of America was aware of our financial struggle since the recession.XXXX mortgages were held by them and they tried many times to foreclose the XXXX mortgage on us. We had to stop it by filling for bankruptcy. At some point we thought they were eliminated the XXXX mortgage. Because they were increasing the XXXX mortgage before the loan modification with XXXX. We did n't receive any bills for the second either in our credit report, instead It is a " Secured Deed '' with Scrupulous XXXX. Enclosed is an attachment. Account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Paid loan payment as required, and requested consolidation, loans were consolidated, requested forbearances, forbearances were denied. Continued to make all payments and then loan servicing acted as if forbearances had been granted an added thousands of dollars in charges and interest to the loan amount. Loans should be paid in full, but loan servicing says we still owe the thousands of dollars added under the non-approved forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my house with Bank of America. I was told that the old escrow account would not be touched as it is an FHA loan. However, to my surprise, I got a check in the mail for {$29.00} instead of {$3100.00}. I immediately called Bank of America and spoke to someone in the Mortgage Department who informed me that instead of lending me the pay-off amount of {$210000.00}, whoever processed my loan only applied or allocated {$200000.00} to the new loan and automatically carried over the {$3000.00} from my old escrow account without my permission. 

As per RESPA ( Real Estate Settlements Procedures Act ), " when you pay off a mortgage, RESPA requires the lender to refund the remaining escrow balance to you. The lender can not use it to pay down your mortgage balance, nor can it transfer it to a new escrow account. The lender must inform you of your right to apply this money to your mortgage balance or a new escrow account when it sends you the refund check. '' I consulted with someone and confirmed that when a person chooses to refinance a loan, the original escrow account remains with the old loan, and escrow funds can not be transferred to new loans, even if it is with the same lender. I was advised that all property taxes and insurance payments I made in the past must be returned to me within 45 days via wire transfer or check. 

I called several times in the past asking for a status on my escrow account and confirmed the {$3100.00} due from my old escrow account. I even obtained an activity report on XXXX/XXXX/16 in the mail. I was never informed of my rights under RESPA, nor was I asked for permission to use those funds towards the new loan account. In fact, when I spoke to a representative from Bank of America today in the Mortgage Department, the lady apologized and advised me that if I would have done it with another lender, that would have never happened and I would have received my full escrow amount. 

I have been a loyal customer of Bank of America for almost XXXX years and I am very upset with this situation. I feel cheated and misinformed, needless to say disappointed at the service I received by the representative who handled my loan, who continuously kept postponing my closing date and did not contact me when I needed to speak to her. It was always very difficult to get a hold of her.

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 2015-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I opened a checking account for my company in 2012 hoping to get some business I spent on advertisement. A customer sends me a check from a closed account from another state other than Florida, then the bank closes my account and reports ASSUMING that I acted in concert with the guy who gave me the check. In retrospect I can see that I was being setup to no avail because I was not going to send anything unless the check cleared. 

I feel that I have been labeled without proof, besides they have testament of my ethical behaviour when they deposited {$3000.00} that did not belong to me and I called for them to remove the amount ( Because it did n't belong to me ) which eventually they did after 20 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
An Atm transaction for {$700.00} was withdrawn from my account on XXXX. I contacted Bank of America on the next business day XXXX XXXX sharp, called them got and new card ( as I did not have my card at the time of the transaction ). I reported the fraudulent activity to them opened up a claim and they gave me a temporary credit for the funds lost. A couple of weeks later I get an email saying that my claim was denied and the funds are being reversed because they believe the transaction to be authorized. I do n't understand why they believe so as THEY were the ones who sent me a message on my online banking telling me that there was suspicious activity on my account. Secondly I do n't withdraw big amounts such as {$700.00} from an ATM if I were to withdraw that I would go inside the bank and use proper identification, I thought bank ATMs have cameras so I can not understand why they do not know it was n't me. Even given the time of the transaction it happened late at night so when I tried to call BoA to report it the office was close and something like this has never happened to me so I do n't know what to do. I 'm trying to contact them to soeak to a representative and plead my case but I keep getting the runaround.

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 2015-07-23
Company: USA DISCOUNTERS LTD
State: AE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
CFPB Shuts Down USA Discounters ' Servicemember Fee Scam!!!! 

I had a XXXX and electronics fro USA Discounters. Pretty much a whole house full of furniture. My concern is that for the longest time i was paying my bill with them to the day i paid it off I 'm affraid i might have been ripped off with the scam you all busted them on. Please research my account with themXXXX XXXXXXXXXXXX/XXXX/XXXXMy account was set-up back in XX/XX/XXXX and i paid everything off XX/XX/XXXX i think if my memory serves me right.

Company response to consumer: Closed
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

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 2022-08-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Bureau 's has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We were mailed a letter from Pioneer about an open debt due to not having coverage for New York State Workers Compensation XXXX on XXXX XXXX, 2015. They called two weeks later explaining if within 7 days we got coverage they could drop the penalty fine. We did so, I called back to show proof and make sure they gained the information of the coverage. They confirmed, I then asked when is the latest/due date for when the debt is owed. I also stated I am authorized to make payments, however the owner is the XXXX to decide when, and from where ( we have different accounts as well as if he wants to mail a check or pay over phone and by what method ). I stated that the XXXX of our schedules were off so I will have to sit with him for him to decide and by the XXXX they will be paid. Within a two week span I received XXXX calls, even when I was not in the office and in meetings of trying to be reached to obtain the same debt that I had stated would be taken care of by the date I asked is the latest. On the XXXX I received yet another phone call and was actually around to take it. In the phone conversation they asked the same information, I then repeated if I did not have until the XXXX to make this payment and why are they constantly calling if they gave me a due date? I was forwarded to a manager, who just kept repeating the same thing. I informed them it was harassment to constantly pull someone away from their work to have the same repetitive conversation. I had stated I asked for the due date for a reason so I know when to have this settled and it is on my radar ( the same thing I said prior ), they then threatened other penalties that they would accrue on if they did not receive it by the XXXX. I agreed to whatever penalties were and stated they would either receive the check in mail by the XXXX or I WILL CALL them on the XXXX.Today is the XXXX and by XXXX they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2016 I recieved a notification from Bank of America that my checking account balance had dropped to {$25.00}. The following day ( XXXX XXXX ) I found that my bank charged me a {$12.00} overdraft protection fee whereupon they transferred roughly {$34.00} from my savings account over to my checking account, and tacked on a {$12.00} fee for this action. My checking account did not drop to a balance of {$0.00}, nor did Bank of America notify me of any additional charges that would cause my account to drop further below {$25.00}. Today, I contacted my bank and reqeusted that they refund the {$12.00} fee as my checking account did not drop to {$0.00} and did not require a transfer. The {$25.00} balance in my account was sufficient. I was informed by XXXX XXXX XXXX, Bank of America representative, that she was unable to refund the {$12.00} overdraft fee. I asked her to transfer me to a manager and I waited on the line and no manager was found. After spending a duration of XXXX minutes to resolve this issue without any resolution, I reqeusted that a manager from Bank of America call me back. No one from Bank of America has called me back and I have not recieved a resolution. I would like the {$12.00} fee that Bank of America charged me to be returned to my account. 

Thank you

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 2015-03-27
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient informed me that I can afford nearly {$150.00} more a month in payments. They stated that they gave me {$77000.00} and they do not need to offer any help to me. They demanded that I pay what they said or I will be sued. They threatened to sue me numerous times. 

XXXX University XXXX XXXX XXXX, XXXX, DE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is about Checking account with Bank of America. We ( myself and wife ) have been using this account from past XXXX years to deposit salaries, pay for utility bills, credit card bills and lot of other day to day stuff. One day, without informing us they froze our accounts as they needed more information ( name, address, phone number etc ). Freezing of account occurred during XXXX week of the month - exactly when all BILLS and credit card payments were scheduled. Due to this unannounced freezing, none of our bills got paid and we end up incurring late payment fees and more importantly, affected our credit history. This action not only created payment delays but created lot of unnecessary stress to me and my wife and affected our outstanding credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Back in XXXX when I first purchased my current home, I had a 5 year ARM XXXX and XXXX XXXX. After the interest rates came down, I refinanced the fist loan in XXXX to a conventional 30 year loan at 5.153 % interest per the TILA attached. The payment was supposed to be {$2100.00} for 84 months beginning on XXXX/XXXX/XXXX and then subsequent payments of $ {$2000.00} for 276 months starting on XXXX/XXXX/XXXX. Bank of America is the bank behind this. Despite several requests to Bank of America to refinance the XXXX adjustable rate loan, my requests to refinance both loans into XXXX have gone ignored. Nobody at Bank of America has been willing to go to their investor and agree to refinance the loan. 

Now, working on my taxes for the year I decided to look at my TILA from XXXX and my current mortgage statement and as can be seen the payment is {$2100.00} which is nowhere near the {$2000.00} that I was supposed to have started paying back in XXXX of XXXX. Moreover doing a straight amortization, my balance should be {$320000.00} instead of the {$340000.00} balance shown on my XXXX XXXX, XXXX statement that I have also attached. So, essentially, there is {$17000.00} unaccounted for. And, upon questioning Bank of American to explain themselves for this discrepancy, again, my phone call hve gone unanswered and thus the reason I am coming to you for some assistance.

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 2015-06-06
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Navient is calling me almost daily regarding my XXXX yr old daughter 's student loan debt. She does not live with me but they are calling my mobile number ( even on Saturdays ) in spite of my requests not to be called and informing them she is not a household member. 
I refused to cosign for her XXXX XXXX loan and do not understand why they would provide her funds when she did not qualify on her own. 
Her father says he agreed to help her with a loan but does not recall signing an application and requested a copy of this. Navient states he did sign but copy has not been provided. 
He has explained to Navient reps she is not a househd member, is unemployed and only had part-time employment prior to this. He also reported he was a XXXX, but recently retired after having several bad crop years. 
Several months ago when questioned about household income, he disclosed to a Navient rep that I received retirement benefits. Since that time Navient is calling me. Can they call after I requested not to be contacted? Can they call me if I am not a cosigner? How did they obtain my mobile number? Called ID displays call originates from GA & has a XXXX area code-is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Regarding your suit against Navient, after the death of my son XXXX XXXX, XXXX, I found he had been paying student loans for his late wife who died in XXXX, payments being billed by Navient. Her mother thought this strange and called XXXX University Loan Office where she was informed all loans were paid in full as of XXXX. The XXXX XXXX Loan Office indicated any loans were discharged with her death XXXX, XXXX. Navient would give her no satisfactory reply indicating they would only send information to the current address on record, which is my son 's address. I believe that the estate of my daughter-in-law and quite possibly those of other deceased students have been defrauded by Navient.

Company response to consumer: Closed with explanation