BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-24
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed on a daily basis on a debt that I do not owe. I sent them a letter asking them to cease and desist from calling me. I sent a certified letter asking the debt to be validated and they have ignored my requests. They are affecting my credit tremendously with these false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Today i called my walmart master card because my card was declined when i tried to make a purchase and i didnt understand why. I had a XXXX dollar credit limit on that card, i always make payments on time or before they are due and i exceed the payment amount every time! Well on the XXXX of febuary this year i tried to pay down my credit card and i have been saving my money every chance i get to pay tward my credit card not only to pay them down but also to use them when i need them because i have a 6 month old daughter at home and i am struggling with XXXX income. So to cut to the XXXX i made a {$940.00} payment to walmart master card my balance at that time on my card was {$1500.00} which should leave me with a balance of {$580.00} left to pay on my credit card. I charge {$300.00} dollars tward it whoch brought it to {$880.00}. So now after i had made that large payment walmart decreased my credit line which put me in debt of {$500.00} without even notifiying me that they decreased my limit and couldnt give me a reason why! I have had this credit card for 3 years i have never made that big of a payment and when i try to pay it down they decrease my limit without any notifications? It makes no sence to me at all! So now my balance is back to {$1100.00} even tho i paid all of that money because since they decreased my limit and put me in debt it made it as if i went over my limit ( this is how they explained it to me atleast ) i spoke with XXXX supervisors and they XXXX said well the letter was mailed 2 days ago, ok so it was mailed but i never receieved it yet the mail isnt that quick i mean come on! I just dont understand how that is right and am wondering if it is even legal to be able to do such a thing! Three years with that credit card and always on time and exceeding the payment amount every month sometimes i even pay 2 times a month but after making almost {$1000.00} payment only then they decide to decrease my limit which resulted in putting me in debt and the over drafting fee which at the time wasnt even concidered over charges because that was my limit! Can they do this. It was like the {$500.00} just dissapeared! Please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a mailing in XX/XX/XXXX, 2015 from Bank or America ( my mortgage holder ) stating I owed them approximately {$1500.00}. My mortgage bill for that month had given me XXXX options ( 1. interest only, 2. prinicipal + interest, 3. prinicipal + interest for 15 year payoff ). I chose the interest only payment and paid that amount in full at the beginning of the month. 

I do not understand how they can then ask for more money mid- month. 

In XXXX, I paid the amount that includes prinicpal and interest. 

I received a bill for this coming month 's payment ( XXXX, 2015 ). It states that I owe {$12000.00} for my payment. This amount includes principal + interest for XXXX ( {$5400.00} ), as well as {$930.00} for current period fees and charges AND {$5600.00} for overdue payments, fees and charges. 

The payment I made in XXXX ( {$4100.00} ) is being held separately as " unapplied funds ''. 

I have spoken to BofA on multiple occasions, had my loan " escalated '' XXXX different times. I 've also been told once that the billing mistake in XXXX was to be taken care of and that they would accept my interest only payment in XXXX as payment in full for that month. 

However, I have still been receiving collections calls and billing statements that do not show that the corrections have been implemented. 

The last time I spoke with someone from BofA, was the third time it was being " escalated '' since late XXXX. I was told I would be called back the following day with a resolution. I have not been called back since. That was over a week ago now. 

I have spoken to numerous different people at BofA and have yet to receive any resolution or explanation of what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
At one point, five years into my loan repayment under the PSLF, they suddenly changed my due date, which would 've required me to pay the loan twice in one month. Because I had the money taken directly out of my check, I did not realize this and ended up being put two months behind, thus kicking me out of the PSLF and I had to start from year one. 
Two years ago, I returned to school and was placed on forebearance. During the XXXX break, Navient advised the Dept of Education that I was no longer in school and I had to refill out forebearance paperwork, and also make two months worth of loan payments, with Navient saying I had already applied for two of three forebearances I 'm entitled to. The Dept of Education confirmed that Navient advised I had stopped attending school, even though my FASFA was current, and University XXXX showed me as a full time student.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, XXXX, I signed a Home Equity with Bank of America. In XXXX, I filed a bankruptcy and I had to give my copies of my documents to the Federal Court in XXXX XXXX. Bank of America sent me a letter that my plan would change according to the documents, but I do not have my copy because I handed it to the Federal Court. Bank of America first sent a fax and it was unreadable. I called Bank of America XXXX XXXX, XXXX asking for a document that I could be able to read and they sent me would, but without my signature. Without my signature I do n't have proof that it was the original document. I also called on XXXX and XXXX to request a readable paper with my signature. so far Bank of America has mailed me documents that are impossible to read. their phone number that I made contact with is XXXX. I would like to know what are my rights. Borrower : XXXX XXXX XXXX, XXXX : XXXX, XXXX : 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 2016-11-03
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent a certified letter to Allied collections as they were reporting on my credit report. After doing so I received a reply from them that they had verification from the original creditor that the debt was valid. I asked for " validation '' not verification. In response I received medical information which violates HIPAA as I do not have a signed consent with this collection agency.

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 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is a complaint about the CFPB process. I submitted a claim against Bank of America XX/XX/XXXX, and was told I would receive a status update in 15 days. 
On the XXXX day, the " status update '' was that it would now be 60 days to hear anything back. 
Having talked to CFPB personnel by phone, I was told that companies are allowed to request up to 60 days time once the XXXX day has been reached. 
Did Bank of America request more time? What was the decision process to grant them more time? Is there any evidence they did anything on this complaint in the first 15 days?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
Once again I discovered that one particular account on my credit report was incorrect when I reviewed it. I sent a letter previously to verify the misleading account and here I m again to complain again in order to verify this account Here is the aforementioned account : XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Grant Mercantile Agency
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to get all reports EXXXX XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as XXXX   XXXX  payments. Its preventing me from getting a loan and growing my business I would liked this information removes XXXX XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/333 XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2009 2009

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage held by Bank of America, with another lender. B of A loan was paid off XXXX/XXXX/15. On XXXX/XXXX/15, knowing the loan was going to be paid off, I removed my authorization for automatic payments on the B of A mortgage. On XXXX/XXXX/15, they made an unauthorized withdrawl from my account for the already paid off loan. They told me it would be refunded ... in 10 days, along with my escrow balance. How nice of them, to steal from me and use my money for 10 days before returning it! THIS IS FRAUD AND SHOULD BE PUNISHABLE AS SUCH! They had no problem closing my account immediately, as I was no longer able to access my B of A mortgage account online as of XXXX, so I could not verify what other charges they put through. I 'll have to wait to see my final statement, in 10 days for that. Also, in the refi process, I was charged a {$30.00} fee for an 'expedited ' payoff balance 'expedited ' meaning via email ... if they paid postage to mail it, it would be free! Just more XXXX that should be regulated. I researched at the time, and their website said the payoff could be updated at no addional charge, and that they could not give a payoff balance to anyone without my approval ( well, this happened XXXX )!. The payoff balance apparently expired on XXXX, and I was charged an additional {$30.00} for the new lender to get another one. I called and was told there is a charge for each payoff balance processed. cost me {$60.00} for them to say what is owed, and then, they take an additional {$1600.00} of my money anyway, so the actual payoff total was meaningless!!! I am requesting a refund of {$60.00} pay off service charges for their fraud, and hope there is legal action that can be taken to prevent similar situations in the future. It wo n't happen to me, as I will never do business with Bank of America again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
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 get flexible payment options

Complaint:
I currently have XXXX private loans with navient that they 're currently attempting to collect. My concern is with the aggressiveness and harassing manner that they are attempting to collect the debt. I have spoken with with navient in regards to my current financial situation and they are not compromising. They are very rude and have made multiple threats to myself and my mother over the phone in regards to not paying back the money borrowed. They have charged me $ XXXX/loan totaling {$100.00} in forbearance fees and for them to stop negatively reporting on my credit. I am expected to pay {$400.00} a month to them which I have already expressed that I can not afford. They have never requested pay stubs or any other financial information and have only told me based on the income I 've shared with them that I can afford to pay the loans back. I am growing very distressed about this situation as I have expressed on multiple occasions that I do want to pay the balance however can not afford the only repayment option that I have been given. They have been negatively reporting on my credit for months and I am now in fear that me not being able to pay this one option given is going to put me in a deeper financial bind that will take an extensive amount of time to repair. I understand that this is a debt that I have collected and it must be repaid however I feel that they have not done their due diligence and providing me options that fit my financial situation and can supply their need of repayment. I have been informed that navient has violated many lender laws in the past I strongly feel that the way that I have been treated is yet another case against them. I have a payment coming due in a couple of weeks that I know I will not be able to afford and I 'm in fear of the consequences yet my multiple cost to them to try and compromise or figure something else out have all proven unsuccessful. They are not only uncompromising but very rude and use personal opinion to factor in their way of helping you. More than this being a customer service concern this is something that it 's going to affect me financially and many years to come. I do feel like my rights are being violated and I am being harassed. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a free checking program with Bank of America. At the time I set up my account, the checking program was completely free and the only requirement was to set up an automatic transfer into savings of at least {$25.00} XXXX time per month. In XXXX of 2012, when I attempted to log-in to my online account a page was presented by BofA asking me to verify my personal information such as name, address, DOB, SSN, Driver 's License #, etc. I was uncomfortable providing the information, so I called the customer service phone number on the back of my ATM card. The agent I spoke with at BofA told me to go ahead and complete the information. She explained to me that from time-to-time they require updates to account information. So I did. A few days later, I was contacted by B of A because they were aware my account was compromised - a potential fraud event is what they said. They said I needed to close down my accounts and set up new accounts, new checks, new ATM card, etc. So I did this. At that time, I was told by B of A that they no longer had a free checking program available and I would be required to pay for my service. I spoke with someone who was an Executive Assistant to some VP at the company and she said she would waive the fee 's to ensure I was able to still keep my free checking program. Now, years later, I got billed in XXXX for account fees of {$12.00}. I called B of A and explained what had happened and the agent I was speaking with could not assist so I asked to have a message sent to someone to escalate my complaint. I got a phone call today from someone who told me they could waive my fee for 2 months, but then I would be required to pay the fees monthly. At this time, I am suspicious of the 'fraud ' event that B of A knew about. I 'm not sure how they would know I had put all the information in my computer if they had not set this up themselves to generate a false fraud event so they could close out my free checking account and put me into a paid account. But even if the breach of my data is legitimate, I signed up for a free checking program and due to the incorrect information I was provided by the B of A phone agent, I was put in a position that caused me to lose my free checking program and I do not believe this is fair to me, the consumer. I should be grandfathered in ( indefinitely ) to the free checking program I originally enrolled in which had no restrictions and no expiration date.

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 2016-07-22
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid by bank wire transfer on XXXX/XXXX/XXXX to purchase a XXXX XXXX XXXX XXXX Custom guitar and received via United States Postal Service, a XXXX scale XXXX Melody Maker guitar instead. XXXX XXXX ( XXXX are sellers aka XXXX XXXX ) admitted the guitar sent was wrong & said he would correct the mistake but never did. I expected to received the guitar I contracted for ( XXXX XXXX XXXX XXXX Custom with original hard case ). I received a different and inferior guitar in quality and monetary value.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Delinquent account

Complaint:
I have had many problems with this bank. First my bank account, and now my credit cards. I have requested many times that they assist me in reducing my interest rate so I can pay off the accounts. They refused. I called one day and requested any assistance with a payment plan of some sort. The agent barely helped me and kept asking what I wanted, instead of telling me what I might be able to do to get help. He took my debt/income information and payments on the accounts and said I will get a letter about it in the mail. I finally, after weeks got a letter that says, " We are unable to assist you with your request regarding this account. '' That 's it. Nothing that I can do, no reason they can not help, just NO. I am unable to make my payments online anymore and although I have requested statements, they do not send them to me. I can not even tell how far my payment is past due or anything and now it 's damaging my credit very much, just because I fell into some hard times when I got behind having to pay my mothers rent. Now, early XXXX I have to pay her rent again due to her XXXX for about 3-4 months and I am going to be low on money again and they will not assist 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 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient is currently the holder of my student loan debt. They have misguided me on options of repayment. Therefore, my credit report has been greatly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: State Collection Service, Inc.
State: WI
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 hired a public defender and was required to pay XXXX dollars. I filled out a form that they say was never received to give me an extension due to no work or reduced hours. I tried resolving this with the company and even called someone in the courts. Now because the time elapsed I owe XXXX dollars and this is on my credit report. I told them I have no problem paying the XXXX or even half of the XXXX, but they would not work with me. The collection company is called State collection services in XXXX, WI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hello, On XX/XX/XXXX I received a letter from a Debt Collection Company stating that they were trying to collect a payment from a dental office. I never received a bill from the dental office. The dental office later sent me a letter that I owed a fee, but the letter was on XX/XX/XXXX and labeled as Delinquent.

Company response to consumer: Closed with explanation