BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My reason for reaching out to you is in hopes that someone can possible help our situation. Our client has been paying a trial period in a timely matter to your client beginning XXXX XXXX. The approval required for XXXX trial payments in which she did, and has continued to do so for 5 months now. Seterus advised us after the XXXX payment that the file was being reviewed and that the final modification documents should be generated and set out before the end of the month ; this was in XXXX. For 2 long ongoing months we have been trying to retain these final modification documents which we know are very time sensitive. The lender suggest that due to coding on the file the final modification documents have to first be sent XXXX and that then someone in their office was to send the documents to the client. Please not, that the borrower does NOT have any legal representation which has been stressed to the lender for months and have been accompanied by letters of explanations and so on. 

Now, if we go back just a little to the beginning of the borrower 's trial, once she was approved it took us two months to retain the borrower 's trial period documentation XXXX because the lender just simply refused to submit the documents themselves directly to the client whether it be through email, fax, or regular mail. The borrower paid her trial payments like we instructed her to do so but the client never had the proper paperwork to reflect the actual approval. Like it 's stated above ; it nearly took us two months to retain the trial documents. Now fast forward XX/XX/XXXX ; 5 months into her trial period, the borrower has not yet been successful in retaining her final modification documents. If you can please look into this matter. The borrower is in active foreclosure and we would really hate to lose the modification simply for a lack of communication from the lender Seterus ; and their legal adviser XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is my fourth time I am complaining about Bank of America! They have not done or helped me with the three first complaints, and they once again hit with another late fee charge for what reason?! They transferred money from my savings to cover a charge on my checking and hit me with a {$12.00} fee for the transfer are you kidding me! I rather stay - {$1.00} then {$12.00} and then they hit you with an extended over draft fee or a transacting transfer fee! This bank is a con all the way! They help themselves not their customers who keep them in business!! I call for help and no one at Bank of America can help you EVER! Always excuses or we ca n't do anything or you reached a limit! Sickening!! I do n't make much money, and my father just passed away and I am bleeding money, and this bank is just taking the little bit I got left. I got hit with all the funeral and hospital expenses and I have no money due to this bank!! I also got {$200.00} stolen from my account and this bank stI 'll has returned my calls, or returned my money. They call you and you call back 10 min later nobody picks or calls back! I do n't recommend this bank to anyone!! Bank of America is a con and a joke. They rob people legally and that is not right!! I work hard for all my money I make!!

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 2016-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Following up on case # XXXX Bank of America has responded via mail date XXXX XXXX, 2016 enclosing multiple copies of the ( 1 ) promissory note and security agreement ( 2 ) Affidavit of lost note. 
( 3 ) Settlement statement and service notice. 

However, they failed to include : ( 1 ) Name of investor/ promissory note holder prior to BofA losing the note and after they lost the note. 
( 2 ) BofA states that they indeed filed a XXXX but did n't include a copy of the document as well as did n't indicate whether it filed for release or not. 
The XXXX system does n't reflect any XXXX ever filed by BofA

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 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Went to branch to process cash advance deposit at XXXX XXXX XXXX branch in XXXX XXXX CA. XXXX told that would be OK. Then told by XXXX XXXX that I need to get a voice authorization from the credit card company. Staff at branch where in a hurry to go home. Then they told me that they could not process my deposit. I told them that I needed to make the deposit to avoid XXXX {$35.00} overdraft fees. They said sorry and ushered me out the door.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24
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 been reported inaccurately to the XXXX credit bureaus for having late payments on a student loan in which should have been in forbearance. I was never informed by Navient that my loans were out of forbearance and now they have been reporting my student loans as 120 days late? That is unacceptable as I am a XXXX veteran and am i the process of trying to fix this. It has single highhandedly ruined my credit. This should never be the case especially when I was never properly informed of the issue. I only found out what they were doing by pulling a credit report. This company has very questionable business practices and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am contacting you again regarding my initial Case number : XXXX. I requested a copy of my credit report and sure enough Bank of America is still not reporting my information accurately. I tried going through them, and I tried going through XXXX and the problem is still not fixed. Bank of America is reporting that my mortgage is CLOSED and they did not report my payment that they received ON TIME for the months of XXXX, XXXX, XXXX and XXXX of 2015. I need them to fix this. Mortgage credit scoring has a huge impact on a persons credit score so it is very important that they do the right thing here. They need to report those payments, and they need to report this account as OPEN in order to fix their mistake. They have reported subsequent payments, but not those particular months. Please help. It is unbelievable that I had to come back to you again, but here I am still fighting with Bank of America.

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 2016-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card
Issue: Rewards

Complaint:
Recently FIA card services closed all XXXX of the credit card accounts I have with them. They also failed to pay {$200.00} worth of reward dollars to me for my purchases I made with their credit card prior to the account closures. Had I known they were going to close my accounts, I would have made these purchases with another credit card. Throughout my relationship with the company I always paid my bill better than required, and I never made a late payment. I followed their terms and conditions, yet for some reason which they have not disclosed to me, they closed my accounts. 

I want to receive the {$200.00} in reward dollars they promised to me in accordance with their terms and conditions. I tried to resolve this by calling FIA, but the telephone representative was unable to redeem the XXXX points to my Fidelity account.

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 2015-06-30
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My father has been dead for XXXX years and was removed off the loan while XXXX XXXX was servicing it. Now I have Navient calling AND adding his name BACK on the accounts. I have been thru all of this with XXXX XXXX firm over a XXXX They ( Navient currently ) threatened me with seizure of property, that they would NEVER stop calling. I sent a cease and desist letter certified and already received, advising no contact BUT regular mail and Im still getting emails. I also requested proof of debt that I have yet to receive. Still less than 30 days though.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/XXXX I initiated modification proceedings in good faith with BOA. At this time I was receiving at least one call per day, including Saturdays. I also was told in the paperwork and in phone conversations that I would have a single point of contact which turned out to be several individuals who would continue to harass me XXXX to 4 time a week. Having completed and submitted paperwork which included a 3rd party questionnaire where I, being new to this, stated that I have had contact with a third party counselor and could seek their help if it would be beneficial to my cause. On or about XXXX/XXXX/XXXX I received the street comp valuation of my property. I soon found out that a trial offer had been submitted and when contacted by BOA was assured that I did not have to make payments til XXXX/XXXX/XXXX. Being right before XXXX and having been reminded every single time I was contacted that there was a notice to accelerate foreclosure that expired on XXXX/XXXX/XXXX, and that they did not need to give me any further notice to foreclose on my property. Being under this duress and the financial strain from a loss of income from our small business and my wife needing XXXX on XXXX/XXXX/XXXX which delayed her taking a job til XXXX I indicated I could accept their offer which apparently came through the Streamlined FHA Mod Program. My complaint is thus, I was not informed of the particulars of the modification except for the details of XXXX trial payments of {$630.00} then 6.75 % ( the rate on the current 30 year mortgage ) and for a term of 40 years. I still do not at this point know exactly what they will be financing, what fees they will expect me to pay and how charging me an extra {$40000.00} in interest makes this affordable. I was told that being that we were in financial distress and qualified for the modification my credit score would not be used to determine any of the parameters of the modification.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 non-monetary relief
Consumer complaint received 2017-02-01
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:
I currently have XXXX Private Student Loans with Navient. 
The combined original amount was {$8400.00}. I have been paying 5 years on these loans at about {$110.00} per month. 
The current loan balance is {$9600.00}. I have contacted Navient regarding my balance they are very vague and unwilling to give full details how much is applied to principal and unwilling to agree to a lesser pay off amount. It seems no matter what I pay the pay off date will be XX/XX/2025 and I want to pay them much sooner and Navient is unwilling to work with me or give me details of how interest is compounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Navient Solutions, LLC.
State: MN
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 told me at XXXX point after i filed my bankruptcy that my balance was at a zero balance and discharged in bankruptcy and now they put it all back on and put it back into charge off this was a 2007 private loan and my federal loans have been approved for XXXX discharge and are now at a zero balance but the private loans will not approve me or let it go with my bankruptcy which i had to file XXXX and still no relief please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Spoke with the case manager today XXXX XXXX about the Judicial Sales date set for XXXX XXXX .... All paperwork was submitted more than 37 days before the foreclosure sales date.. Asked XXXX why is the date still valid ... Due to the fact the paperwork was submitted more than 37 days before the sales date .... XXXX informed me the banks policy states they can keep the date up to 1 week before the sales date " Just In Case '' a modification is not feasible .... I stated this is illegal due to the new rules ... XXXX proceeds to say " What If I Do n't Accept The Modification or Ca n't Qualify '' the Bank will still have that date looming over my head so I will be forced to accept what ever terms the underwriters decides ( this is the conclusion I was able to understand according to what XXXX XXXX was trying to explain only what was written in quotations is what XXXX actually stated ) Included in the submitted documents I copied all the CFPB rules to ensure no confusion would occur unfortunately some sort of misinformation still takes place at this time ....

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 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I initially entered a Bank of America branch on XXXX XXXX to apply for a home loan. I spoke with XXXX XXXX, gave him some documentation. He promised he would get back with me the following Monday. He blew it off. I contacted XXXX XXXX at Bank of Americato assist in completing the mortgage. He frequently ignored my calls at XXXX point I had notheard from him in 11 days. On XXXX XXXX I received a letter stating Bank of America promised XXXX back if they did not close witjhin 30 days. It has been 3 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: CA
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 currently am in graduate school and unable to pay for my education because Naviant defaulted XXXX of my private loans from college. I have been consistentlay making monthly payments of {$500.00}, but my total debt has yet to go down. I feel so enslaved and trapped. My mother has been helping me with the payments but no matter how much I pay the interest keeps rising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a victim of fraud and have submitted all paper to XXXX in regards to " Defense against Repayment '', for my federal loans.I am a graduate of XXXX 2009.My loans are thru Navient account # XXXX.I am current on my " private loan '', my federal loans are in deferment.My complaint is against Navient.After countless hours of research I was never notified by Navient that I was eligible for a class action law suit against XXXX.It is my understanding that my lender Navient should have notified me.I have called countless times in regards to information about XXXX and it is unexceptable not XXXX representative has any idea of what I 'm talking about.i have asked for assistance with private loan and have been told " what can be done has been done '' interest only payments '' XXXX a month .A loan that has grown from XXXX to XXXX.since repayment in 2009.I am gratetful that XXXX is getting what it deserves as I am a victim of misrepresentation that has destroyed me financially.I am XXXX in debt based on lies and fraud.I am requesting that Navient educate their representatives and if a class action suit is available against XXXX, I should have been notified by my lender Navient.I thank you for your time and any assistance I can get to pursue discharge of this fradulent loan Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America has, in two weeks time, tried to improperly take overdraft fees on my account with XXXX separate checks. The XXXX occurred when Bank of America charged my account XXXX day early for a monthly fee. After calling and complaining to a service rep, Bank of America admitted to the mistake and credited my account with the fee. The XXXX incident is far more serious. My check to the IRS for taxes was {$5900.00}. I sent this check in the mail on XXXX XXXX and it was cashed on the XXXX, thereby affecting my account. No check clearing days were given and my account was overdrawn. My paycheck hit my account on the XXXX, thus covering the check. The check to the IRS bounced, Bank of America hit me with a {$35.00} fee, and I now may be responsible for penalties to the IRS. Bank of America is now liable for any penalties that I incur as they provide no time for the check to actually clear as they do whenever I have a personal check issued. I ask the CFPB to investigate this incident thoroughly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: Lendmark Financial Services
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Currently my husband and I have a car loan with Lendmark Financial Services. On Tuesday night, XX/XX/XXXX, Lendmark repossessed our vehicle. The payment for the loan was 45 days past due. When we called to make arrangements to get our car out of repo, the lending company proceeded to breakdown the fees we would need to pay to get the car back. Among the fees was our XX/XX/XXXX and XX/XX/XXXX payment ( understood ), a {$620.00} repo fee ( only {$300.00} of which goes to the repo company ) AND a demand that we make our XX/XX/XXXX payment ( obviously not even due yet ) before we could get the car. 
In researching their tactics, I 've found multiple people who are having similar issues with the same lending company ( same location actually - XXXX, GA ). We also found out ( from our repo company who are more honest and XXXX than anyone we 've dealt with to date at Lendmark ) that the terms of contract have been changed by Lendmark to 25 days past due considered default. Our loan was initiated in XX/XX/XXXX and we have never received an amended terms of contract from Lendmark with this information. Each individual I have spoken to in my research have had multiple repossessions, some not even 30 days delinquent and often with payment arrangements made. After speaking with Lendmark Wednesday morning to make arrangements for payment today, XXXX ( their crooked branch manager ) went ahead and sent a send to to sale notice to the repo man. Only because the repo company is run by decent human beings, they called to question the notice since they knew we were coming to get the car today and refused to process the send to sale command or our car would have gone to the sale. There is no limit to what these people at Lendmark will do to fleece hard working families in the XXXX Georgia area. They know what they are doing is wrong and will respond with " if you ca n't make your payment how are you going to hire an attorney to fight this '' this comment was actually made to us today when I brought up many of the points above. Lendmark did not send us a letter of intent or any warning before repossessing the car. These unscrupulous practices are costing families XXXX in fees they should not be forced to pay.

Company response to consumer: Closed with explanation