BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
First reported to my bank an unauthorized transaction between merchant on XXXX/XXXX/16 for {$400.00}. Dispute : merchant ran my card on a unauthorized verbal a day before. Merchant was claiming transaction approval based on the days prior to services. Merchant did not fullfill my instructions and past services was still being worked/ discussed for over billing. First rebuttal between merchant was successful, however, metchant still overbilled and did not provide detailed information.No binding contract exists between merchant and I.They still ran payment without confirmed authorization on the day of transaction. 

Bank received rebuttal from merchant with XXXX pages plus of non-relavent documentation about the reported issue. My bank, Bank of America immediately reversed the credit provided previously which resulted in a negative {$480.00} in XXXX of my XXXX accounts. I then proceeded to call the claims department to provide me with the documents that the merchant submitted so I can appeal and send my rebuttal based on the exhibits the merchant provided. Bank of America claims department representative allegedly sent me the merchants documents via email for my review. However there was no sent documents. The representative still denied returning my credit until the claim was fully closed. 

I preceded to call and follow up the next few days and that claims rep. Did re-open the claim anf provided me my credit back. And she also added my notes on re-opening case and not receiving the documents promised. 

On XXXX/XXXX/16 BofA claims rep, XXXX XXXX left me a message to call back and ask for him, however I spent 2 occassions to reach him that day waiting over 30mins on hold. Due to working during the day I could not wait any longer. The following day, funds were taken out of a XXXX account. Giving me a $ XXXX again. 
Went on line to review the claim reasin. It still stated IN REVIEW, which was confusing because it was closed and a reverse was completed. 
The following Monday I reviewed a new notice which stated that I requested a withdrawal, which is not true. I called Bank of America claims department and spoke to another representative and they confirmed what tge noticed said and I corrected them by saying I did not request my claim to be closed. They notated my syated and said they would have claims researcher XXXX XXXX call me back the latest within 2 days. I never received a call and a request for a reverse credit was still denied. 

Unfortunately, Bank of America did not provide the documents promised for reviews and did not call back as promised. This situation is leaving my bank account in the negative and would like the bank to be responsible regardless now due to their errors and negligence.

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 2015-10-26
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am struggling to make my monthly payments on my private student loans. When I asked my servicer for help I was told my co signer makes too much money for me to be given a lower payment. I explained that my co signer will not be helping me, the lady was quite rude and said there is a difference between ca n't and wo n't help. She told me that technically my co signer can help and they wo n't lower my payments. Now I feel stuck. I want to pay on time and in full but I 'm struggling and the servicer seems so unwilling to work with me. Help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, I opened a checking account online with TD Bank ( This is the first and the only account with this bank ), the next day XXXX/XXXX/2016 I stopped by the branch in my town and made a check deposit for {$5000.00} to the account. 
Today is XXXX/XXXX/2016 and I still do n't see the money in my account even though it is showing that the money already been released from the other bank. 
what I see is only a {$100.00} available, when I logged in to my account on Sunday the XXXX/XXXX/2016 I saw they put ( Pending - {$9700.00} ) on the account, and when I called their customer service, the lady told me that they put a DOUBLE HOLDING on the amount of the check, and claimed it was a mistake, and took her around 20 minutes to fix that mistake. 
when I called their customer service on XXXX/XXXX/2016 they told me that they can hold the money up to 12 day, then I called again and spoke with a supervisor and she told me they can hold it up to 8 days. 
My concern is about all that process they doing with holding the money that long, is it legal? 
* The check amount is {$5000.00}. 
* The post a double holding on it. 
*It passed 3 days since the deposit date, and the supervisor told me that I need to wait 5 more days. 
*everyone in their office telling different info ( some saying they can hold it up to 12 days, other say up to 8 days ). 
If you can advice me what to in this case to protect my money, I will be thankful. 
Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
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 have consistently been mislead and misinformed by Navient and it 's employees. Every time I have contacted Navient about my outrageous loan payment programs I have been given different and conflicting information from each person I speak to. Most recently, I attempted to change my student loan repayment plan in an effort to alleviate some of the interest payments and lower my overall final repayment amount. I was less concerned with lowering my monthly payment and was looking for a plan that I could still afford but that would actually help me be able to start chipping away at my principal payments and not just slowly paying interest, which was perpetually compounding. I spent over 15 hours on the phone ( spanning several days ) with Navient personnel and was given different information each time I spoke to someone. After countless efforts to pick the best plan for my situation, I was informed that Navient does n't really offer plans to help you pay down your loans, only to help you pay as little as possible each month. After finally hashing out the best plan ( out of all terrible options ) I was told that in order to switch plans, all of my outstanding interest would be compounded onto my principal, increasing my principal amount and forcing me to pay interest on what as previously interest when my new plan started. Faced with no other option, I followed all of the steps I was required to in order to change my plan, however, when I checked my statement a month or so later ( after the plan should have gone into effect ) I noticed that my plan had not changed. I called to fix the problem but I was told they could not apply the new plan retroactively, so I was still forced to incur the higher interest amounts on the loans for the time that my plan should have been changed and those interest amounts would still be added to my principal once the new plan actually went into effect, essentially forcing me to pay houndeds if not thousands of extra dollars over the life of the loan. This account is unfortunately one of many issues I have had with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: IL
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 a federal Direct Consolidation loan, which is split into two parts - subsidized and unsubsidized. I am currently in a period of in-school deferment and the government pays the interest that accrues on the subsidized portion of the loan. I frequently make extra payments on the loan in order to pay it off sooner. The loan servicer ( Navient ) does not offer the option for me to specify when making online payments how I want those payments to be allocated. My preference is to make extra payments towards the unsubsidized balance, because making extra payments towards the unsubsidized balance, which accrues a higher daily interest amount, allows me to save money over the life of the loan. 
In order for my payments to be allocated as desired, I have to include special instructions each time I make a payment, and rely on the servicer to interpret those instructions correctly and to follow through in applying them. This puts an undue burden on me as the borrower. Often, the servicer does not obey the instructions and I have to follow up multiple times with phone calls and emails to have the issue fixed. 
The servicer ( Navient ) has repeatedly told me that I can not split my payments as desired, since it is a single consolidated loan. This is not true, however. My promissory note states " I may prepay any part of the unpaid balance on my loan at any time without penalty. '' There is nothing in my promissory note to indicate that I can not make separate payments towards the unsubsidized and subsidized balances. 
Providing inaccurate information, not applying payments in accordance with special instructions provided, and giving the impression that payments can not be specified separately for the unsubsidized portion of the balance and the subsidized portion of the balance deters borrowers from being able to make payments in such a way that will save them money over the life of the loan. It creates unnecessary obstacles for borrowers. 
The choice to allocate online payments in accordance with personal preference should be made available at the self-service level. It is irrelevant that a consolidation loan is considered a single loan. The loan is broken into two parts and those two parts are able to be paid separately. Principal amounts are calculated separately, interest accrues separately, and billing amounts are calculated separately. Not providing borrowers with a choice on how to allocate their payments creates a false impression that borrowers are unable to specify how their payments are made. This results in more money being paid by the borrower over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was n't paying attend to the check book I wrote on XXXX I had it was a old account i went to the deposit machine in put the wrong check in by mistake cause the check book was in the same place as the new ones.This is a very problem to my business i need this handle in a timely matter. 
It was a mistake I can prove it, 'I will like to handle this without a lawyer

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 2016-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a Bank of America XXXX card while purchasing airfare with XXXX. I was told that if my credit score was high enough I would be approved immediately and the benefits would apply immediately. The fact that there was a high annual fee was not noted unless you clicked on another link that I was told was there but I did not see. My credit score is around XXXX but I was not approved for the card so I did not receive the benefits. Then weeks later I was approved and given the {$75.00} fee. I complained but they refused to subtract the fee and cancel the card.

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 2017-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is related to previous complaint submitted on XX/XX/2016. Case # XXXX. Incorrect adjusted credit bureau reporting for the month of XX/XX/2016. All other months in XX/XX/2016 are reporting correctly, but the month of XX/XX/2016 is incorrectly reporting 60 days late. XX/XX/2016 should only be 30 days late.

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 2015-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Boa has got to be the worse and most insensitive bank of all. They charge all these overdraft fees plus and extended fee. I have been with them for years and i also use direct deposit so why do they treat their customers like XXXX. I am a single mother and i cant afford to give any extra money to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Bank of America made me a loan XXXX 2016 with 0 % interest for 18 months. They explained that I would not be charged interest on my purchases. Each month for 4 months I spoke with agents who assured me I would could pay off my purchases and not be charged interest. On XXXX XXXX I spoke with XXXX in the Arkansas office who informed me that I was misinformed for 4 months and that unless I pay off any credit charge on the SAME DAY of purchase I will accrue interest immediately.

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 2019-05-10
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted Barclays bank to request a closing my XXXX Account the week of XX/XX/XXXX and seek a refund of the {$95.00} annual fee that was collected from my bank 2-3 weeks ago. A phone rep took my information and asked me to supply proof of my identity to authenticate the request. I uploaded 3 documents in Barlcays 's website per the request including a copy of my driver license, copy of SSN card and a recent utility bill showing current billing address. About two weeks later, I checked the status of my account and my account was restricted with a fraud warning message to contact Barclays. I contacted Barclays the week of XX/XX/XXXX to inquire about the hold on my account. An agent told me they can not read any of my documents and request I mail in the same documents to their Fraud Department at XXXX XXXX XXXX, XXXX, DE XXXX. I mailed the requested info late XX/XX/XXXX and contacted the Barclays a third time on the week of XX/XX/XXXX to inquire about the account closure request and refund status. A third agent explained they were not able to read my driver license and need to mail that in again. I mailed a second photocopy of my driver license to Barclays in early XX/XX/XXXX. My account remained restricted and not close. I contacted the Bayclays a fourth time on XX/XX/XXXX. The agent explained he was able to read my driver license but when it was scan to the computer, the computer could not read it and therefore I need to submit a clearer picture of my driver license before he can review my account and close it. I scanned my driver license again using the best possible setting possible and print the image in the highest quality. I could read all the data on my driver license fine and the 4th agent I spoke with agreed with me. I mailed it out to Barclays on XX/XX/XXXX with no guaranty the documentation is acceptable to Barclays or its computer systems. I just want to close my credit card account at Barclays and get the {$95.00} fee back as I am not using the card. I don't know what else I need to do to satisfy Barclay 's requirement to close my account and need help. Another annual fee could hit soon and the longer I wait for this to get resolved, Barclays may only provide a partial refund of the annual fee versus a full refund if it was processed correctly in XX/XX/XXXX.

Account is restricted and correspondence via secured email with Barclays can not be downloaded. 1 paper mail was received during this 5 month ordeal. All other communications were via phone call by cardholder to Barclays never the other way around.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$28000.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$28000.00} } for account number # XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.

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 2017-01-18
Company: Navient Solutions, LLC.
State: CA
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 applied for and received XXXX student loans from Navient ( then XXXX ) in XX/XX/XXXX and XX/XX/XXXX. XXXX were Stafford loans, totaling {$18000.00}, disbursed to me in XX/XX/XXXX and XXXX were Graduate PLUS loans, totaling {$11000.00}, disbursed to me in XX/XX/XXXX. I applied for forbearance multiple consecutive years in a row because I knew of no other option. I was earning approx. $ XXXX/year without benefits, supporting a household of XXXX people. I called each time and let them know I could n't afford the $ XXXX+/month payments, and I was never told that I could pay must less and avoid the high interest of forbearance by being on income based repayment. I was always pushed into forbearance because they said they could even submit it for me over the phone without me needing to send them any documents. I was always immediately approved. This past year because I was unable to purchase a home or do anything without worrying about this loan hovering over me, I paid off the loan in full by borrowing from family and savings. My complete payment on the original {$29000.00} balance was approx. {$54000.00}. {$25000.00} in student loan interest on a loan that could have entered income based repayment which would have been to my benefit. I do n't believe Navient should be entitled to reap the benefits of their deceptive practices against me and that a considerable portion of the interest payment should be reimbursed to me. Any help you could offer me in this endeavor would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CA
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 borrow through Navient and I 'm on income driven repayment. Every year they have failed to tell me when I need to renew and I am surprised by a bill that 's roughly XXXX my usual monthly payment.

Company response to consumer: Closed with explanation