BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
XXXX XXXX, XXXXIn XX/XX/XXXX we purchased a manufactured home with Bank of America. We did not receive a settlement packet from Bank of America to offer options. Bank of America financed the home with an interest rate of 8.25 %, this interest rate resulted in {$86000.00} in interest. I have researched the interest rate for 1997, the highest housing interest rate during 1997 was 8.06 %, consumer with low credit scores. We paid all of our bills on time and our credit should have been in very good standing. In addition, enclosed is an article where Countrywide Mortgage Company, a company purchased by Bank of America gave XXXX XXXX higher interest rate regardless of their credit rating and referred to XXXX XXXX as " XXXX. '' We strongly believe that Bank of America performed the exact procedure with us as an XXXX XXXX family. We have struggled on a shoe string budget and have paid over {$100000.00} for this home and still owe at least {$38000.00} on a home that is falling apart. The plumbing fixtures, kitchen and bathroom cabinets and carpet were of the lowest quality. The heating and air units lasted about 5 years after we purchased the home. We are currently using portable electric heaters and window units, which results in extremely high electric bills. 
As an XXXX XXXX family in an isolated rural area, we were seeking the American dream of home ownership, we did not realize that we were being taken advantage of by Bank of America at the time of purchase. We believe that based on Race, Bank of America gave us the highest interest rate to purchase a home that clearly was not worth what we are having to pay. We were not treated fairly by Bank America and was told by management that we would receive an settlement packet. 
Bank of America has sold our home to XXXX XXXX XXXX, we did not receive a contract with XXXX XXXX XXXX XXXX, just a letter informing us where to send the payments. 
Desire Outcomes:1. Receive a settlement packet from Bank of America. 
2. For the loan to be extinguished, because we have over paid for this home. 
3. Refund the amount that has been over paid. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX 2015 the minimum payment on my credit card was {$270.00}. I paid {$300.00} and did not make any purchases, etc. on the card. As I understand it, {$270.00} should have gone toward the interest and the principal of the lower interest rate ( 9 % ) and at least {$24.00} should have gone to my highest interest rate of 16 %. When I look at my statement from XXXX and my statement from XXXX, though, the balance actually increased for the amount being charged 15.99 %. I called Bank of America XXXX times and spent more than an hour on the phone. The XXXX rep told me it was because I had underpaid XXXX month ( I did not ), the next call I got disconnected and the XXXX transferred me to a line that was supposed to have voicemail, but rang for more than 3 minutes without being picked up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX l received a package letter from the Bank of America (XXXX) stating the my Loan modification paperwork was not filed correctly and needed to be refiled and upon completion a check in the amount of $XXXX will be given to me after signing their new Loan Modification Agreement is signed. Countrywide Mortgage was my original Bank. XXXXcalls me every other day and this weekend a property appraiser from them dropped off another package of the same documents My addressXXXX FL. XXXX. XXXX. I have an appointment them XX/XX/2015. Should I cancel the appointment until l hear from you?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked for them to stop calling and put me on the do not call list because i am not the person they need to contact. The person on the phone became rude and hung up on me. Dhe attempted to intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good day! 

I would like to seek assistance regarding our ongoing short sale request with the lender. We have exhausted all possible resolutions and efforts we can do on our end. We were advised Friday, XX/XX/XXXX that the investor approved our offer after 6 months of doing a short sale with them ( not to mention the previous months we waited with the previous servicer before the loan was transferred to them, Fay Servicing ). We comply with their request of {$260000.00} net although it seems unreasonable since their appraisal value is {$240000.00} only. 
Now, we are only waiting for the formal approval letter that was promised to us that until now we don't have any update yet. We did regular follow-ups via calls and emails. We were promised a callback but we have not received any response from the processor, named XXXX XXXX nor her supervisor XXXX XXXX. In short, we were left hanging without any idea what's going on or if there is any ETA. Everytime we called the processor is not available and the agent we will be able to spoke to does not have even any idea that the offer was approved. 
We informed them that we need to get this done asap since we also need to review the file for them to be able to issue their own approval which they can not do since they are waiting for the approval letter from the 1st lien. 
Our whole short sale experienced with them is horrible, frustrating, and very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Challenge questions on factXXXXequifax.com to receive XXXX report were answered correctly by me. Challenge failed. Conclusion : Equifax has incorrect information on file. Calling to complain, I was sent to XXXX different phone numbers. None of the agents understood or solved my problem. They simply sent me to another number. 

The final agent sent me to a number that started the whole request process over again. 

Bottom line : Equifax 's challenge question answers are WRONG and there is no one who will correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: IL
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 was paying off my principle and interest on loans while I was actively enrolled in school. I read that by doing this my interest rate for future loans would be reduced rather than continuing to increase. However, my interest rates continued to increase significantly even though I was paying some of my loans off in full. They also did not provide loan repayment options, help with consolidation, or track my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Countrywide Bank, now owned by Bank of America, did not provide ANY answers to my request for a loan modification in writing. The only resolution was done by phone and the employee told me several different answers as to the status of the loan modification. ( anything from " Yes, the modification was approved '' to " the modification is being reviewed and to check back with them in a couple of months. '' Employees that no longer work at Bank of America have stated, " The unilateral ploy to answer customers is to provide stall tactics. " ) Countrywide Bank is the originators of the loan, and I am claiming that they conducted themselves with predatory loan practices by artificially inflating the loan to benefit Countrywide Bank. 
The loan value depicted the value of the home, and it led me to believe that if Countrywide Bank would loan me the money for the home, then the home must be valued correctly, to the value that Countrywide Bank placed on the home at XXXX XXXX XXXX XXXX XXXX, CA XXXX, at the time of the mortgage. If the bank will loan me the money for the home, then great, they have a lot more tools and a lot more resources to identify what the true value of the home is. 
Following this valuation from Countrywide bank, the true value of the home was discovered by the real estate market to be much lower. The original loan amount was for approximately {$580000.00} USD, and the true value was found to be approximately {$250000.00} USD, Countrywide Bank artificially and intentionally, inflated the value of the home so that Countrywide Bank would be solely benefited, without assuming any of the risk or attempting to correctly value the home with the necessary resources that was available to Countrywide Bank at the time of the loan. 
By Countrywide bank and the new owners " Bank of America '' using stall tactics and other means to not move forward with a mortgage modification or some other resolution, they have placed me in a position of very few options and none of them that are offered will have me remaining in the home. Now the options are a " Short sale '' or " deed in Lieu '' or foreclosure, and the loan modification that was offered places the value of the home approximately {$800000.00} USD, which is no where near the true value of the home. 
Bank of America needs to establish a true value of the home, and since it is their fault for not providing a suitable loan modification so that I could remain in my home, and this will cause me to be homeless. I have no good options to place me in a home with even half of the square footage, and I claim that Bank of America should have criminal charges filed on them for Predatory Lending, and any other laws that they have broken with this mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2017 CFPB : Bank of America/Countrywide refuses to disclose to me the information about my XXXX Mortgage Loans that it has reported under the XXXX. I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 2021-07-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TO WHO IT MAY CONCERN ... I did not have online banking with Wells Fargo Bank, what i had was a Direct Deposit account.Someone at Wells Fargo put me on Online banking without my knowing.On XXXX XXXX i went to check my e-mail, and was shock to see the amount of mail i got from Wells Fargo Bank.I ring XXXX XXXX XXXX XXXX to ask what was going on in my account. I explain to the lady who answer the phone that i did not order no payment to anyone.Please do not allow this payment to go through. She said its nothing she can do, its already gone out..She then started to give me a new acc #. She told me a virus is in my Computer, which is a lie, i check it out at XXXX XXXX. The money was transfer from my account at Wells Fargo to another account at Wells Fargo..Total amount transfer $ XXXX.I did talk to the Fraud dept, still waiting to hear back ... The only money that goes into my deposit account is a pension from the XXXX XXXX, i used to live and work there.Social Security from USA and a pension from 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 monetary relief
Consumer complaint received 2021-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is attempting to collect a debt not owed. I asked them to produce a wet ink signature with me in contract with them. Under 15 usc 1692 ( g ) and they havent. This is a violation for false reporting. I am a consumer and the original creditor. Also under 18 usc 8 all debt are under the obligation of the United States. 
1. Send me a wet ink signature stating were in contract 2. Not a photocopied statement 3. Send me a contract where you have a right to collect 4. Prove that I owe your company a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Experian and XXXX XXXX XXXX removed this item from my credit report. Legally they have to keep off my credit report which both have not. This debt has not been verified.

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 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BANK OF AMERICA wrongly reported we were late on our monthly payment on XXXX 2013 which i snot true, i already contact bank many times but they did not corrected

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was told that it could be wiped off and consolidated but they just kept putting it in forberance and adding interest every time. I 'm a single mom with no income at the moment. I have n't worked in a long time. I have explained this numerous times to them and was told it would get taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Sentry Recovery and Collections, Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.

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 2021-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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'm having problems with resolving my Dispute with my Capital One XXXX card. I was billed for services not owed By XXXX XXXX without consent. A third party already paid off the XXXXXXXX XXXX  and XXXX  has continued to accept payments for services already paid. Capital One refuses to submit the dispute with XXXX XXXX demanding to have documents received by me first before disputing my payment with the merchant. The XXXXXXXX XXXX  is collecting double payment intentionally knowing that payment has already been paid off. The bill now has an over- payment credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a bank of America customer for many years ; during these years, the bank has been taking my money by the way of over draft. They do not show any pending transaction online and as soon as I make a payment they will post overdraft fee the next day. Yesterday, they did the same thing with XXXX {$35.00} overdraft fees. I am sick and tired of their cruel tricks and embezzlement of my money. I have XXXX children and struggle with life and banks were suppose to be helpful and supporting. I need help to put a stop to this. They hold back my payments until they can get me on overdraft. Oh, by the way, they approved a payment knowing that my fund was low and immediately they post the overdrafts fees the next day.

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 2015-04-07
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I called Navient ( XXXX XXXX ) to see my options regarding reducing my interest rates ( 9.75 % and 5.25 % respectively on my XXXX loans ). I explained that my reason was I had received an offer from a competing institution to consolidate my loans under a much lower/fair rate. However, the " manager '' I eventually spoke with ( employee ID XXXX ) told me that they do not care if I left, they do not need to adjust their rates and they do not alter the term of the contract ( oh, but I could extend the loan to lower the payment instead-would I be interested in that? ). I explained I wanted to simply understand what my options were for lowering my interest rate at Navient rather than completing all the paper work for paying off the loan through a different finance company. Instead, I was surprised to hear him tell me that he did n't care if I left, Navient as a company does not need to lower my interest rates. Yet my contract states it is a VARIABLE interest rate, so it seems to me that Navient 's position is that they can raise the rates whenever it is beneficial for them, but will never lower them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were told by Bank of America ( BoA ) that we were required to pay Flood Insurance. They added the cost to our mortgage payment as escrow. We disputed it, telling BoA that the home was not in a flood zone and were informed that based on the FEMA map it was in a flood zone. My wife called to find out what we needed to do to get this Flood Insurance requirement removed. She was told by the BoA representative that we need proof from FEMA that the home was not in a flood zone and that we would have to pay the Flood Insurance premium until we provided such proof, but that if we were correct and the home was n't in a flood zone the Flood Insurance premiums would be returned to us if we requested a return of paid premiums. 
We provided the FEMA determination and a request for a return of the paid premiums and called to follow up. We were directed to contact the insurance branch of BoA who informed me that what we provided only removed the home from the map as of the date of the letter. I contested that this means the home was and is not in a flood zone and the letter also says that any XXXX will refund the premiums paid for the current policy year. At which time the representative informed me that we did n't have XXXX, even if our escrow account says Flood Insurance. And they would not be refunding our paid premiums. 
I told her that " they misinformed my wife and that they just want to keep our money. We never needed the insurance and do n't need it now and this money should be refunded. '' to no resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Navient Solutions, LLC.
State: MI
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 notice from General Revenue Corporation that I owed a debt to XXXX University. I advised General Revenue Corporation that I dispute the debt and do not owe this money. I also advised them to validate the debt or cease collection efforts until it is validated.I further contacted XXXX University and requested debt validation. Neither company has responded to the validation request and have continued to allow this erroneous debt to remain on my credit bureau reports. I have filed further complaints in regard to the university with the Federal Aid organization, the FTC, and the XXXX. I do not owe this debt to XXXX or to General Revenue Corporation. I insist this item be completely removed from my credit report immediately and collection actions are to cease. This debt is a result of XXXX certifying eligibility for financial aid then returning the grant and erroneously billing my account for balances incurred AFTER I was notified of the error and withdrew from the school. Falsely certifying financial aid eligibility, retracting it and billing students is against federal law. I have filed complaints with the appropriate agencies.

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: MI
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 a student loan with Navient and was told that my enrollment in a rate reduction based on my lower income situation was set to expire. When I contacted Navient and explained that I was in lay off status from my seasonal job with the XXXX XXXX XXXX, was married and responsible for XXXX children, and could not afford to have my payments doubled, the representative acccused me of lying and asked if I was getting some other income, I requested to speak with a supervisor, who told me they do not offer any such thing as an income based rate reduction and that a decision to approve or deny my request was based on a Navient representatives personal discretion.

Company response to consumer: Closed with explanation