BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I applied for a XXXX XXXX Credit card which is handled by Bank of America.I have excellent credit ( scoreXXXX ) and pay all my credit cards at end of month. Bank of America said the decision as based on an assessment of your application, current economic trends and a copy of your credit report.. I am applying to XXXX XXXX and Bank of America is not making any money off of me so is not approving of the card. In XXXX letter they say not due to credit report.I used to bank at Bank of America and found them to charge for every little thing so I closed the accounts I feel this is main reason for being turned down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America had incorrectly reported to all XXXX credit bureaus that I had missed payments in my credit history. I contacted Bank of America to dispute this information and they advised me that I had to dispute this information with each individual credit burea, which I did. 
XXXX XXXX and XXXX both deleted the missed payment information, after their investigations but XXXX, after their investigation, advised me that the missed payment information will remain. Bank of America is still reporting to XXXX that I have missed payments. I have been late in the past, several times but I have NEVER missed an entire payment. Bank of America should correct the information they are providing to XXXX. 
I have filed several XXXX complaints against Bank of America and they have not resolved any of the complaints. Consumers should be aware that Bank of America is a dishonest company and they need to correct their mistakes but they will not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Ok, I submitted a complaint with the CPFB about a month ago and got a response from Navient to call them at XXXX and then when I spoke to them, passed on the response given through the CFPB stating I was eligible for a XXXX interest rate and a lower payment of {$250.00} a month. The rep stated they have no record of this and attempted to transfer me to some escalation department, which was a law office. I have had it with being lied to! I explained, this was a response directly from Navient stating I would be FINALLY taken care of and yet I get mislead again! Not only did they deny offering me this, they stated the garnishment would NOT be lifted and this {$250.00} would be over and above the garnishment. I was garnished on loans that were NOT mine, could not fight them in court because some snake fake law group who were actually collectors, filed papers with a local court stating I was served properly, I never was served, now Ive been garnished for over 2 years and continue to have money taken for loans that were taken out in my name, but were never authorized by me! I want this stopped and I am sick of being lied to by this Navient group who passes this around and never takes responsibility for these illegal actions!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a student loan borrower that is eligible for the Public Service Loan Forgiveness Program ( PSLF ), with loans serviced thought FedLoan. I will have been working in public service through a 501 ( c ) entity for 10 full years at full time in XX/XX/2022. As payment counts are being updated through the PSLF waiver and expanded TEPSLF program, dozens upon dozens of people have been reporting online that many of their hardship forbearance or deferment months when no payments were made have been included in their updated counts and are either bringing them closer to having their loans forgiven or are already having their loans forgiven. On the other hand, many ( myself included ) are hearing from FedLoan that those forbearance months DO NOT count and have not had them applied to our official qualifying payments. I have been documenting each instance of the opposite happening - of borrowers having zero payment months under forbearance or hardship counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called and spoke with debt collection company I told them what i was willing to pay. They would not agree, I said i will look to make an agreement with the next debt collection company then. The manager said ok and the company continues to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX XXXX was reporting on my credit report that a portion of my student loan, {$22000.00} was included in my bankruptcy therefore showing it 120+ days late and that it was now on a wage earner plan. All of this information is incorrect. Ohio law prohibits student loans from being included in a bankruptcy. These loans were on forbearance during this time. Also, my entire loan for XXXX XXXX ( a.k.a. XXXX ) owed is {$47000.00}. Why would only a portion of it be included on my bankruptcy. Again, all incorrect info. I sent them a letter stating this and the information was removed from my credit report. Within 30 days, the information was put back on my report but now reporting under Navient Solutions on my XXXX reports and under XXXX XXXX on XXXX. I would like this information removed from all credit reports as it is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Navient Solutions, LLC.
State: IL
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 completed the income-sensitive repayment plan application to reapply for a reduced payment plan. The form indicates to list the gross monthly income. It also requires that the XXXX most recent pay stubs are submitted. Since I am hourly, I do not work the same hours each week ; therefore, the amount that I list for my gross monthly income is an estimate. Since there are seasonal busy periods, the hours that I am working now are inflated compared to what I am actually scheduled to work. As a result, this makes it appear that I earn much more than what I do. Last year, I encountered the same issue and after numerous tear-filled phone calls, I was instructed to write a note that I was an hourly employee and include what my average scheduled hours were. This year, in an effort to avoid having my application rejected, I included the same explanation. Sure enough, a week later, my application was rejected. I called and spoke to a representative who accused me of understating my wages. I explained to her that I was hourly and did not have a set salary, and she instructed me that I would have to match my gross monthly income to the amount on the pay stubs regardless of the fact that the hours were not typical. I immediately requested a supervisor since I had encountered the same issue the previous year. I explained that I did not feel comfortable listing the inflated amount as my gross monthly wages since it overstated my actual earnings. The woman was very rude and condescending. She then began asking all these questions about my tax returns and other personal information as if she was attempting to refinance my loans. Not only was I unprepared for the questions, since I was commuting to work, but I could not understand her due to a very heavy accent. Since I work for a non-profit, refinancing a loan would be unwise because it would disqualify me from Public Service Federal Loan Forgiveness. When I asked why she needed the information she was requesting, she became agitated and told me she was attempting to qualify me for a different loan. I informed her that I was not comfortable or prepared for that and would call back. As she yelled something at me through the phone, I hung up. Because I feel like I have no other option, I am have submitted my forms with the inflated wages they demand. I find it absolutely insulting that I am trying to pay for my loans and I feel like they are attempting to rip me off by changing the terms. I also have a small window to get this resolved since they will increase my payments to XXXX % of my monthly wages if I do not give them the answers they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: LDF Holdings, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have made my payment in full before the terms ended so that i would not have to be charge excessive fees for carrying out the loan to the full term and when i paid it i almost paid double from what was loaned which was {$600.00} and i ended up paying {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has been applying payments to my incorrectly and when asked this was calculated they are unable to give me an answer. I asked for documentation six months ago in which they failed to provide. I was up on automatic payments in which Navient started to reverse payments causing late payments when I asked Navient about reversals they blamed it on the bank ; however, I managed to the the bank on the phone with Navient and bank said there was no issue in fact if I manually went to the website and paid the exact same way the payment would n't be reversed. Very odd with Navient giving no explanation. Also, it states on Navient website a consigned can be removed after XXXX consecutive on time payments so I met those requirements as well as I have a job and XXXX which are the requirements and they still will not remove the consigner. Also, if you log into your Navient multiple times in one day then they take it upon themselves to lock you out of the account. My loan origination on one loan was XXXX and now that is XXXX. My loan origination on another loan was XXXX and now it 's XXXX. They ca n't tell you how they calculate or continually due adjustments or provide documentation when requested. At this rate, no one will get loans paid off and for cosigner removal they need to honor there website XXXX on time payments, income, and graduation as explain their way of new math.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Personal information incorrect

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2017-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my home loan with Bank Of America and they did n't pay me all my interest back.

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 2016-09-15
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am trying to refinance my mortgage and was working on collecting information on my student loans. I was trying to gather information that included account numbers, monthly payment, and the remaining number of payments for each of my loans, but was unable to find all of the information on Navient 's website. I have XXXX outstanding loans and XXXX that is paid in full from XXXX different institutions. I tried gathering the information from the current Navient website, the old website, and my monthly statements, but was unable to get the individual account numbers or the payments remaining. Because I made an extra payment at some point in the past for many of my loans and have automatic debits set up, there was n't a quick view to get information on monthly payments for each of the loans. I wound up having to click on each individual loan, get the ( limited ) information I could, and then provide as much information as I could, which ended up being just the monthly payments. I was unable to find the individual account numbers for each of my loans ; Navient 's website numbers them XXXX-XXXX, but those are n't the account numbers used. I could n't find the months remaining on my loans anywhere, even though I spent more than half an hour clicking through various links. 

Luckily the credit union I 'm working with for the refinance was able to pull information for me once I 'd provided the basics, but Navient 's website is not consumer-friendly. The old website does a better job at putting most of the relevant information for individual loans into a readable format, but again, it requires way too much clicking to be convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Although I have been told on multiple occasions that midland credit has no verification of information from XXXX, a contract was signed or any of the validating information, they refuse to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have tried to get a loan modification through Bank of America. I am XXXX and now live on a very limited income. After months of submiting bank statements, income verification etc. I was denied and on their paperwork my income was inaccurate and falsified by their underwriter. I filed an appeal and their response was to sell my house in a short sale. Our equity is much more than the loan and I believe they just want the higher payment they now receive with the higher interest rate rather than working with us to make our payment affordable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Jim Bottin Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX XXXX month to month membership in XXXX, XXXX ; there Financial Collector was ABC Financial. I had 2 debit cards on file then one was a XXXX XXXX Card. I left the gym in XXXX, XXXX because of being threatened, even though I told the Assistant Manager and left the Manager messages no thing was done they ignored the problem because the perpetrator was their friend. In XXXX, ABC Financial used a XXXX XXXX Card to steal money from my account even after the card was taken out of XXXX XXXX  data base ; they attempted to collect, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. What were they looking for ; they were trying to steal money that wasn't due. Several times they were successful in taking money ; there was time that they took the only money I had for groceries. 

Recently on XX/XX/XXXX, they called me on my cell phone from a scammer number, hung up. I called back because I was looking for someone to call me ; I heard a very loud bong ; a few minutes later my money was taken out of my XXXX XXXX by ABC Financial. Today, XX/XX/XXXX, ABC Financial used another scammer nunmber when I answered I heard a loud bong the same as the last time ; the person was saying I want to talk you about Social Security, I knew that it was time to hang up but I heard the bong  first. Laugh out Loud there was XXXX in my XXXX XXXX. I know they think I am XXXX  enough to keep putting money there for them to take. But this is theft ; the governmental agencies told me to call the police and file a theft charge on them. 

See, they didn't have my new XXXX XXXX Card numbers I just got this one in XXXX, XXXX so how did they get my money, " bong '' they stole it they hacked my phone and stole the money.

I called ABC Financial everytime speaking to different people over an hour asking for my money back nothing moved them. I talked to the people at XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I never applied for this credit card in my life. I do n't like Old Navy, never have, someone used my information to open this account. It 's fraudulent!

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 2016-09-16
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
During the financial crisis of 2008 I ran into problems and applied for a loan modification. I was accepted and received a lower rate for 5 years. 
After 5 years the rate increased by 1 % point per year. During those 5 years I never missed a payment. Each payment was on time. The increase of 1 % point per year has turned into a problem. The problem is that when I go to refinance no lender wants to touch the modified loan. 
I have been told that my situation is unusual in that I have made all the payments since the modification and lenders do not know what to do with the loan, therefore no one will bother refinancing me. I am at a crossroad an and looking for some guidance on what I may be able to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient is XXXX of my loan servicers and I have been experiencing issues outlined in the current lawsuit against them. They took over my loan in XXXX./XX/XX/2016. They received my loan in deferment status ( going to school ) and immediately started reporting I was 6 months behind on payments. Recently I was able to get them to place the loan in deferment only to be notified the next week that my deferment would end in two to three weeks. I have had nothing but problems with them distorting facts and " playing '' with my loan essentially making it impossible for me to be on the proper repayment plan. Due to them reporting my loan being in default by 6 months has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I HAVE BANK OF AMERICA, AND I JUST RECENTLY WENT BACK TO THEM, I HAVE THEM FOR CHECKING AND SAVING ACCOUNTS, I GET A MONTHLY DIRECT DEP AND A EVERY 2 WEEK DIRECT DEP. THERE ARE SOME BILLS THAT I WILL PAY FOR VIA BILL PAY, I WILL COUNT THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT IN REF TO HOW I WILL PAY MY BILLS. I HAVE BILL PAY FOR A REASON, REALLY EASY AND CONVIENT. I USED MY BILL PAY THIS MONTH AND PAID CERTAIN BILLS THROUGH MY ACCOUNT, I KNOW THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT FOR ME TO PAY MY BILLS, I ALSO HAVE OTHER ACCOUNTS AS WELL. I SEE THAT BANK OF AMERICA WILL PAY FOR THE NON EMERG BILLS XXXX AND THEN MAKE THE LARGE BILLS COME OUT, BUT BY THE TIME I HAVE CERTAIN AMOUNT OF CASH IN THE ACCOUNT, I HAVE A OVERDRAFT. NOT ONLY DO I GET THE OVERDRAFT, I NOW GET THE BILL REPAID THROUGH THE BANK, EVEN KNOWING HAT I AM IN THE NEGATIVE THE BANK CHOOSES TO MAKE THAT PAYMENT AGAIN, WHICH I THINK ITS TOTALLY WRONG AND I BELIEVE SHOULD OR IS ILLEGAL, THAT IS THE WAY THAT THE BANK COULD MAKE MORE MONEY ON PEOPLE THAT HAVE ACCOUNTS WITH THEM, YOU SEEM AS OF MY START POINT I USED TO HAVE AN ACCOUNT WITH BANK OF AMERICA FROM XXXX XXXX AND FOR SOME ODD REASON I WAS GETTING A NEW CHARGE ON MY ACCOUNT, A MAINTANCE FEE. NOW I HAVE HAD THE SAME AMOUNT OF MONEY EACH MONTH AND EVERY 2 WEEKS. SO I AM NOT SURE IF I AM THE ONLY ONE THAT GOES THROUGH THIS, BUT I THINK BANK OF AMERICA IS TOO BIG FOR ITS BRICHES AND NEEDS TO REFUND ALL THE MONEY TO THE PEOPLE THAT HAVE ACCOUNTS.

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