BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America states in complaint # XXXX, " Our records show the account was current and due for XXXX XXXX at the XXXX Bank of America acquired XXXX. '' This is 100 % incorrect. Also, IF the following is true : " Further investigation has concluded that at the time of the XX/XX/2011 transfer to XXXX, .... '', there SHOULD BE A RECORD of " Assignment of Mortgage '' between Bank of America and XXXX. The two documents provided to me by XXXX, PA Recorder of Deeds, in regards to the account in question, are the original assignment ( # XXXX ), which is under the name XXXX Bank, and was never transferred into the name of Bank of America. Also, the Satisfaction of Mortgage ( # XXXX ), is listed as " Bank of America , NA S B M TO XXXX ''. There is NO MENTION of XXXX, in any of the above-mentioned documents. Therefore, since this mortgage was never properly transferred, this deems this mortgage as invalid. Also, I do recall during the application process, I met with XXXX, and XXXX. They got the property value online, and stated I had approximately {$53000.00} in equity. I informed the Personal Bankers, I only needed {$10000.00}, to make home improvements. Upon closing, I was informed due to the XXXX/Bank of America merger ( acquisition ), signing new documents, to switch the loan to a second mortgage, instead of a Home Equity Loan, would allow the funds to be dispersed more expeditiously. Had I had known the original Home Equity Loan would have been dispersed in the same manner of time as a second mortgage, I would have requested to leave the paperwork " as-is ''. I am certain Bank of America has the ability to verify the employment of the 2 employees I mentioned. The branch was located at XXXX PA. Zip Code is 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 2015-08-04
Company: Commonwealth Financial Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call today from a lady in XXXX state stating they are a 3rd party legal and attorney service and wants me to give my phone number and address to them for a XXXX legal matter. I have not lived in XXXX since XX/XX/XXXX. I pulled my credit reports today and found this new collection account on my XXXX. Please remove this account from all XXXX reports.commonwealth financial systems acc XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXCollection account. {$270.00} past due as of XXXXYour report number isXXXX Report date : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Selene Finance LP
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
While working to get a repayment plan to bring the loan current or get a modification XXXX loans did not respond to request, sent letter that had expiration dates to offers for repayment plans weeks after they were due and failed to approve or deny a loan modification I requests twice. While working to prevent a foreclosure they continued to file documents to proceed with the foreclosure and falsified those documents stating they had no communication with me. 
They then sold the loan to Selene Finance who filed for a foreclosure auction on my property. After contacting them I asked to get a repayment plan and requested a modification. The next call to them the agent stated that the requests were never sent from the previous agent and they would check why. This agent stated that I could download the documents from their website and fax them to them. After talking with them today XX/XX/2016 I was not informed if there was repayment plan approved or denied. I was told that they would most likely not be able to process the modification because of the lack of time. I informed them of the previous forms submitted to XXXX loans and that there was a modification which was not approved or denied and was told they do not care what the previous company did. This is the third time I informed them that the process leading to this point was not carried out properly and all three times I was told by XXXX different agents that they do not care what XXXX Loans did. I believe that they are being negligent and purposely making the process difficult. They have no intention of following the law and despite me informing them of the issues they continue to proceed with the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: AR
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 have filed a borrower 's defense application against XXXX. Navient oversees my private loans that are apart of this borrower 's defense loan. In addition, within the past year Navient has, without a reasonable amount of notice, increased my monthly payments from XXXX to XXXX dollars a month. I am constantly having to put my loans in forbearance and save up for the XXXX dollar payment, meanwhile they are reaping the benefits of their high interest charges on two separate loans of 9.5 % and 11.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: OH
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 multiple loans all combined down into two payments. Navient has misapplied funds, stated that they could n't find the bank account for autopsy, locked me out the internet site. With combined loans it 's hard for me to miss 9 payments on one loan and 2 payments on another loan. They are all paid at the same time I thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: BANK OF THE WEST
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX we paid off a loan at Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) for {$100000.00}. On XX/XX/XXXX I had cancelled the automated bill pay for this loan through our checking account at XXXX. Unfortunately XXXX had made an automated payment of {$750.00} on XX/XX/XXXX to Bank of the West. We have spoken with Bank of the West every week since XX/XX/XXXX to recover this overpayment from them. They agree that they owe us this money. However, during each weekly call they ask for a different piece of documentation from us proving that this overpayment has occurred, and end the call assuring us that it has been corrected and they will issue a check the next week. We call back the next week and nothing has been done and we have to start all over. This has gone on for four weeks now and {$750.00} is a lot of money for a retired couple. We have no confidence at this point the Bank of the West will ever return our money. I would file a complaint with the XXXX but they are not a member. Based on our experience we believe that their policies and procedures are designed to delay the return of our money in the hope that we simply give up.

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 2017-02-03
Company: GreenSky, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
our heater went out and I had been in and out of the hospital, we needed a new heater and was rushed into using greensky. I am an XXXX year old, XXXX XXXX, XXXX vet. the payment started out at XXXX dollars a month, then they doubled the amount. They knew I can only make one payment a month, but they want XXXX the new heater still is not working as a result my daughter has become very ill, at XXXX in the morning they wake her up with calls. they are rude and demanding. I am paying them, every month. but they insist on more. I did not have time to check before hand, but after I found numerous complaints about 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 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a health savings account ( HSA ) with Bank of America. On XXXX, I placed a trade in my investment account associated with the HSA. Per Bank of America disclosures on the website, the trade will happen the next day if it was placed before XXXX. Although my trade was placed before XXXX, it did not execute the next day. It executed only on XXXX. I wrote to the bank and they responded saying " Trades get processed in XXXX business days ''. This is contrary to what their website disclosures say. I lost money because the stock price moved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I was released from the hospital, I had the hospital to consolidate all of my medical bills into XXXX so I can make monthly payments. XXXX was accidently left out by the hospital and sent for collections to XXXX. In XXXX of 2015, I contacted the agency and explained the situation and they agreed to completely remove from credit report once it was paid. I immediately paid over the phone. I recently checked my credit report and it is still on there. The hospital removed it because it was an error and now the collections agency is unwilling to remove it because they said " the rep that I spoke to did not note it. '' I can not help that the representative did not do their job. I kept my word and paid the balance, I would like for them to keep their word. I have called twice to speak to manager and each time the manager has refused to speak to me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
bank of america just say not want to business with me. and put a hold on my bank account. and i cant get any funds from the account.bank of america account # XXXX and not give me why they closed. the account was not overdraw.will this closer stop from getting a new bank account at other bank

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 2015-04-30
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I originally owed XXXX over XXXX dollars for a wireless phone acct. I was called by Diversified Consultants and offered a settlement in the amount of XXXX to be paid over 6 months. I fulfilled XXXX of the settlement amt. Before the last two payments could be automatically drafted from my checking acct, XXXX recalled the acct from DCI and it was placed with another collection agency again demanding a new settlement arrangement. I was told by DCI that they originally knew that their arrangement would not be allowed to be played out since all of the accts get recalled at month 5, so if someone makes a 6 month payment arrangment on a settlement amt then the arrangement will never be fulfilled since the acct will be recalled prior to the arrangments being satisfied in full. This sounds like fraudulent and deceptive practices on the part of the collection agency and the original creditor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My business account was closed by Bank Of America without warning and without explanation. I have funds in that account that I do not have access to and very desperately need. Called and they said they can close it whenever they want and do not need to give me a reason as to why.

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 2015-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card
Issue: Other

Complaint:
I have had a XXXX Credit Card for a couple of years and up until last month looked at balance etc online each month. This month I was unable to access it, Rang the XXXX and they said it was now MBNA - all they could give me was a phone number no other information. I rang the number and got an automated voice who could n't put me through to anyone to talk about it. I have NOT been notified of this change, I do n't know if my monthly payment has been made, what my balance is or how to access the information. I am totally at a loss as to what to do as I am unable to speak to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I ordered and obtained a {$500.00} secured credit through Bank of America to help bring my credit score up. My first minimum payment of {$25.00} was due on XXXX. I paid {$250.00} towards my balance on XXXX. The standard processing and posting time for a payment is two business days. I went to use my card at the grocery store today and it was declined. I called BofA and was told my available credit was {$1.00}. The rep informed me that the payment was received but has not been posted. She had no answer as to why this was. I then spoke with a supervisor who also had no concrete answer as to why the payment has not posted. My concerns are as follows:1. I did my part and paid my bill on time and I should be able to use my card. It is highly embarrassing and inconvenient to be told your card is declined when in actuality it should n't be. 

2. The account that I paid them out of has more than ample funds in it for the transaction to go through without any issues whatsoever. 

3. Are my funds in some type of holding account that B of A is drawing interest from? 

4. My biggest concern is that I initially a requested the card in an effort to bolster my credit score. If my balance is not at least 50 % of the total balance at the end of any reporting period, my credit will negatively affected. 

5. How many othe consumers are having to deal with this? 

6. What if I encountered an emergency and was unable to utilize my card? 

I beg you to assist me in resolving this issue. At this point I do not know where else to turn. 

Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
In XXXX 2016, I found out that someone had made unauthorized withdrawals from my bank account when my rent check was returned for insufficient funds. I went to the bank to tell them I had been a victim of identity theft. They did not cancel my ATM card. On my XXXX statement, I saw additional unauthorized charges. I filed a police report and brought it to the bank to report the fraudulent charges. The bank representative was very rude and accused my granddaughter of using my card to make withdrawals. The bank representative would not believe that I had been a victim of identity theft. I lost over {$3000.00}. I asked the bank to investigate. They wrote me a letter a few weeks later saying the charges were authorized, but gave no details. Meanwhile, the police have identified the suspect and are preparing to make an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle XX/XX/2014 from XXXX XXXX in XXXX NC. I had purchased XXXX other vehicles in the past from the car sales men. So ... I trusted him. I purchased a XXXX Dodge Avenger new. I traded in my Ford Explorer. He told me, purchase this car under this contract, pay your payments on time for a year and come back. We will refinance your loan for a lower interest rate. After the year, I called to set up an appointment to pay refinance the loan. The employee said, " I do not know why you were told that, we do not do that here. Yesterday, I went back to the dealership to try and trade the car in. They said my car is worth XXXX dollars. I owe XXXX. I have contacted the lender of my car to try and work out a way to pay the car off without such a burden of " being upside down ''. They said they can not help me. I dont know how I could have been so stupid or that a dealership would charge me triple the cost of a car. I would like to work out a way to stop the interest acruing on the vehicle to get it paid off quicker. Turning it in will only hurt my credit more. I do not know what to do.I told them I will never buy another car from them again. I make XXXX less than I made when I purchased the car. It is challenging enough financially to pay for the car. What can I do. What rights do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: LDF Holdings, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I only got the loan on XXXX XXXX 2016. The agreement was to pay XXXX/w. I have made 2 payments so far of XXXX. I called to get the pay-off amount on XXXX/XXXX/2016 and was told I still owe XXXX. The guy told me they are only putting XXXX/w towards the principle amount. The original loan amount was XXXX and the company added a finance charge of 657.65 or 720.01 % interest rate. The terms state you may prepay your loan at " Any '' time without penalty, but when you call for a pay off amount they tell you you have to wait for 2 days and add 2 more days of interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a loan through Santander consumer USA from carmax. I went one month with out having the car in my position from day of purchase. XXXX was unable to fix the to my satisfaction so I then informed Santander that it was a strong possibility that I would not be keeping the car so they moved the car note due date back to give them time. SANTANDER NEVER TOLD ME THAT THEY WOULD BE CHARGING ME HIGH INTEREST CHARGES DAILY!!!!! They informed me via phone that it was n't there job to tell me that!! They are faceing lawsuits in the millions every year because of there sneaky practices an I plan to follow suit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Date Opened : XX/XX/2015 Balance Owe : {$1000.00} Dispute Status : Account not disputed I am concerned about the reported Balance amount of {$1000.00}, as I think that the actual Balance is lower. I request the amount indicated in the Past Due Information be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a savings and checking account at Citibank at the XXXX branch in XXXX, CA on XX/XX/2021. The accounts were opened with a promotional bonus offer that consisted of two bonuses for {$300.00} and {$1500.00}. I deposited a total of {$300000.00} and met all the coupon requirements. I was supposed to have been credited the {$1800.00} as of XX/XX/2021, but did not get anything. I was told their system didnt capture the coupon code and that it could take weeks before there complaint department reviews and approves anything. The XXXX XXXX did not appear to care about anything when I spoke to him today. I asked him to expedite this but he could not guarantee anything. He said I can not close the accounts or else I will not get anything. This is misleading and false advertisement. This is also potential sales abuse because it appears they are targeting customers to open accounts and not abiding by anything. I would like tone {$1800.00} as soon as possible. I had been considering banking with them long term, but this seems shady and unethical.

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 2017-05-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to my local  XXXX  dealership with a pre approved auto loan from  XXXX   XXXX  auto navigator. I even brought the printed out paperwork. The salesman told me they needed to run my credit again to see if they could get me a better interest rate. He did not tell me that there would be  XXXX  companies accessing my credit report. Now my credit score has dropped  XXXX  points in less tha n 24 ho urs. Turns out that  XXXX   XXXX  was the lowest rate I could get. They ran my credit with  XXXX  other companies for nothing.      XXXX   XXXX ,  2017  {$30000.00} Quite frankly this is the type of   XXXX   that consumers do n't want to deal with. It 's hard enough to build your credit, and all it takes is some salesman with a sales pitch to a first time borrower to ruin your credit in a matter of minutes.

Company response to consumer: Closed with explanation