BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I have written numerous letters to XXXX within a 6 month time span advising 2 collection accounts ( XXXX XXXX and XXXX XXXX ) weren't mine. I have also written numerous letters to Equifax within a 6 month time span advising 2 collection accounts ( XXXX and XXXX XXXX ) weren't mine as well. Each response they sent back stated the accounts were verified. When asking for how they were able to verify the accounts, I would receive no response. After advising them, the companies as well couldn't verify nor confirm the accounts were mine, they continued to report the negative information on my credit reports. 
In addition, I advised both XXXX and Equifax that a collection account, XXXX was not mine. XXXX closed the account and Equifax still has the account open. There is no reason why this account should be on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our original home loan was closed through XXXX on XXXX XXXX, XXXX for a 30 year fixed loan at a rate of XXXX. XXXX was underwriting for Bank of America. In XXXX I was laid off twice in one year and XXXX negotiated a new terms, with Bank of America, for our home loan to make it affordable. The new terms were for a 40 year fixed loan ( XXXX does not do adjustable rate loans ) at a rate of XXXX. The modified loan closed on XXXX XXXX, XXXX. Last XXXX my wife noticed that our online mortgage account reflected that our rate was adjustable as well as our statements. We checked our closing paperwork and nowhere did it reflect an adjustable rate mortgage. We contacted XXXX who also confirmed that our loan is a 40 year fixed. Over the course of the past 10 months, XXXX has had several communications with Bank of America, where the bank has admitted that our loan is a 40 year fixed rate loan and has agreed to correct our file, but has yet to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had applied for a bank of america credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later XXXX cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020, I made a mobile deposit of {$30000.00} from my money market saving account at XXXX XXXX XXXX  XXXX XXXX XXXX to my checking account with Bank of America ( BOA ). Bank of America put a hold until XX/XX/2020. When I checked my account at XXXX, the {$30000.00} check was cleared on XX/XX/2020. 

I called the customer service line at BOA on XX/XX/2020 and after some research, the customer service representative ( CSR ) told me that the fund would be released immediately. 

Today XX/XX/2020, I checked into my balance at BOA and the {$30000.00} still has not been cleared with BOA. On top of that, the check hold has been extended from XX/XX/2020 to XX/XX/2020. I called again with BOA CSR and the new CSR said that CSR of Friday did not release the fund and did not do the right procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Harpeth Financial Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I started receiving calls from this company. Robo calls. 

Tried to get verification from them. Written verification they have refused. 

I emailed, faxed and sent certified mail which they signed for. 

I have got nothing from them

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: AL
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:
When I first started speaking with Navient about the repayment of my student loans, I was never offered any options other than standard repayment. I would always be offered forbearance when I could n't afford to pay, but it was n't until XX/XX/XXXX that I found out about the Income Based Repayment options. I started working with Navient XX/XX/XXXX. Before that time, I only had about {$35000.00} or a little more in Student Loan Debt, now I have over {$40000.00} due to interest charges. Had I known about the Income Based Repayment options in the beginning, I would have never had to put a Forbearance on my account because I would have been able to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a pension plan with XXXX XXXX that is administered by Meril Lynch. Recently I was downsized and need the money to live on, but Meril Lynch has delayed the disbursement of funds for months. The required paperwork I supplied to them was properly notarized, then they claimed that it needed a notary seal and they wanted my passport or certificate to verify that I am not a minor .... Obviously, the papers I sent them were notarized properly by my banker and they do not need any proof of my age, because they have all of my information on file from my former employer -- age, sex, SSN, birth date, etc. They say, now, the funds will be disbursed on XXXX XXXX, but I am skeptical. When I cashed out a 401k with XXXX, they disbursed the funds lightning fast, which is what leads me to believe something weird is going on with Merill Lynch.

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 2017-01-20
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:
For years I have had issues with XXXX XXXX, which later became Navient. One of the first statements I received from them was a garbage printout of seemingly random numbers and letters where my loan info should have been. I had several Loans with the company ( then XXXX XXXX ) and each had its own collection amount and a different due date. When I called to speak with a representative, they would only confirm XXXX of loans ( direct subsidized paired with an unsubsidized ), but would not confirm any other loans which i was receiving mail for. I decided to Consolidate all of my loans through XXXX XXXX, since i was familiar with their billing, and had no issues with that company. Somehow XXXX XXXX re-acquired the consolidated loan. I tried to file for financial hardship deferment and an income based repayment ; both of which were either lost or not completed by XXXX XXXX. When I consolidated my loans, I was made aware that my Private loan would not be included in the consolidation. XXXX XXXX also [ conveniently ] neglected to tell me about XXXX of my XXXX loans. Leaving me with a large consolidated loan, a private loan, and a third loan. I have since repaid my Private Loan, and I now have XXXX loans, under XXXX different Navient " Accounts ''. Their website will only allow me to access one of these pairs, but they send me paper bills in the mail for both. I have repeatedly complained and tried to get my accounts merged ; for a while I was n't sure if I was being scammed by a fake " XXXX XXXX '' / '' Navient '' and their operators are no help either. If a representative calls me about XXXX loan, they have no info or visibility of the other loan. This is very frustrating. Today I received my XXXX form and it has the wrong social security number on it! If this company ( now Navient ) can not properly maintain my social security information, which is a number that does not change, how can I trust that they are accurately maintaining my account [ that has variable numbers ]. I understand that Navient " being disorganized '' is not a reason to file a lawsuit, but I have serious concern and feel that this company has not only provided me with inaccurate and deceptive information, time and again ; but also that they purposely kept me from consolidating [ all of my loans ], and switching loan servicers, and also kept me from getting a needed deferment when I lost my job and also kept me from filing/ completing an income based repayment plan. Please look into this company 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XXXX : Account # XXXX SS # XXXX To Whom It May Concern : " On XX/XX/XXXX Complaint number XXXX, I requested your company is reporting the below-referenced account on my credit report as a collection account. 
XXXX  XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. '' Today I received your response which included credit card statements ; rather than an application or alleged contract bearing my signature, as well as any proof of your authority in this matter. 

Since you were unable to provide the requested documentation there remains no option other than to remove this erroneous reports of this past debt as mine.

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 2016-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Bank of America repossessed my vehicle for missing only one payment because of banking account information error. I was given a chance to correct the error after the vehicle repossessed. I did reach out to Bank of America to resolve the issue in writing but the bank chooses to ignore my request. In my letter I politely request the bank to return the vehicle so that I will continue to make the payment as agreed under the terms of the contract. The bank prefer to remain silent and go a head with their plan and sold the vehicle for much less than what it worth and unfairly hold me responsible for the balance. I kindly request for the consumer protection bureau to investigate strongly, and as a result, release me free of any responsibility to clear my credit report history. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Navient Solutions, LLC.
State: IA
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:
With the recent news of XXXX XXXX XXXX, I am one out of millions of students that were misrepresented and violated by the school I attended in XXXX, Illinois and on-line. This is is FRAUD!! When XXXX XXXX opened a credit union account in my name without authorization from me, that is unacceptable, on top of all the other things they did. My credit is now shot and over XXXX in debt from this school!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was told by Bank of America that they could not apply any payments because the house was in foreclosure. My conversations with BofA started on XXXX XXXX, 2015. The Notice of Default was not issued until XXXX XXXX, 2015. BofA received a payment of {$800.00} from me on XXXX XXXX, 2015 and had {$360.00} in a holding fund from a previous payment. When I talked to BofA on XXXX XXXX, 2015, I was told that no payments could be processed because the loan was in foreclosure. Had they processed the payment, the loan would not have gone into foreclosure and fees would not have been assessed. I sent BofA a cashier 's check on XXXX XXXX, 2015 to cover lawyer fees, foreclosure fees, and unpaid mortgage payments although I believe I should n't have to pay any of these fees. 

I received a document in the mail from XXXX XXXX XXXX XXXX XXXX in XXXX 2015. I called BofA to ask if this was a part of the foreclosure information. I was told by the person I was talking to that they did n't know who XXXX XXXX was and BofA was not associated with this company. XXXX XXXX is the company that filed the notice of default but because of the conversation with BofA, I thought it was some sort of scam. Today I asked my Account Manager, XXXX, to please fax me a copy of the Notice of Default. She faxed me a letter from BofA that is not the Notice of Default. I have attached the Notice of Default and the letter that XXXX says is the Notice of Default. If the person helping me does n't understand what the legal documents are, how am I supposed to receive quality information and help from BofA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac stole {$1700.00} out of my Escrow account. 
In XXXX 2016, my Escrow balance was {$770.00}. I made a payment of {$2300.00} into my escrow, and my real estate taxes ( {$1400.00} ) were paid this month ( XXXX 2016 ). I should 've had a remaining escrow balance of {$1700.00}, but PennyMac listed my remaining balance as {$15.00}. 
The problem has continued to compound throughout 2016. My XXXX 2016 Escrow balance should be {$2600.00}. PennyMac shows it as {$750.00}. There is a {$1900.00} discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are multiple phone numbers and addresses in my credit file that do not belong to me.

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 2015-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally purchased a home with a mortgage from Countrywide which was then purchased by Bank of America. A little while after the purchase my wife lost her job and I tried to be proactive and work with the lender. I was told they would n't negotiate with us until we were pass due and to stop making payments. Then I called them after I was XXXX days past due and they told me not to send any payments unless it was in full and they would send me a packet. I completed multiple packets with them to restructure the loan and was told they lost the information or never received it. We got so far behind we attempted a short sale. We had a reasonable offer on the table and the lender refused it. XX/XX/XXXX we had a court hearing where I told their attorney and the judge we just wanted out of the home so we could start over. I was told the foreclosure sale would happen XX/XX/XXXX. We moved out of the house in preparation for that but the foreclosure never happened and over XXXX years later they still have n't done anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an unauthorized charge from XXXX and the credit card company refused to remove it when i called multiple times to dispute the charge. At first they said to call back with additional information to have the dispute resolved. then they refused to remove the charge and said the case was closed when I called back to follow up with additional info. 

I also called XXXX who said they have no record of the purchase, even though XXXX charged 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 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
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: Their investigation did not fix an error on your report

Complaint:
I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, or Experian. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, XXXX, or Experian has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related 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
Consumer complaint received 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I had a personal checking and savings account with Bank of America in XXXX XXXX, XXXX which I had for a total of XXXX years. The account was closed by BOA XX/XX/XXXX due to account abuse. Now I may have had some overdraft fees but it was never to a point where I abused my privileges. In fact, I recall boa refunding a portion of the funds bank into my account for making a mistake of charging me overdraft fees for transferring funds from my savings account into my checking. They were also involved in a civil suit due to over charging overdraft fees to customers like myself. The account was closed and I had a final balance to pay which is not paid in full but now fast forward XXXX years later, I now resided in XXXX, XXXX and recently started XXXX and I am unable to open a XXXX account because boa has reported me to a company called early warning services. I have been denied from every financial institute you can think of and this is becoming a huge burden and hindering the progression of my business. I have tried everything from disputing the info, providing documents showing it has been paid in good faith and spoke with early warning several times and I am being told that the information will stay on my record preventing me from opening a new account for a total of XXXX years! This is absurb!!! I would like this resolved promptly before the next XXXX years I need an open active account and this is unfair and unjust treatment due to a minuscule amount owed to boa but has been paid in full. These big banks have been XXXX XXXX of people like myself for decades and it is time for them to stop treating hard working honest people in such a horrible way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts that are part of my identity theft case showing on my credit report

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