BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX, I was told Bank of America 's process changed and they never received notice of my husband 's death. 

On XXXX/XXXX/XXXX, Full Reconveyance recorded as Doc # : XXXX - XXXX states, XXXX XXXX, as successor by merger with XXXX, XXXX, duly appointed Trustee under Deed of Trust dated XXXX/XXXX/XXXX, made by XXXX XXXX XXXX as Trustor, and recorded on XXXX/XXXX/XXXX as instrument XXXX - XXXX in the office of the County Recorder of XXXX XXXX County, California, has received from Beneficiary there under a written request to reconvey and in accordance with said request and provision of said Deed of Trust, does hereby reconvey, without warranty, to the person a persons legally entitled thereto, the estate now held by it thereunder. By : XXXX. Civil, Asst.Vice President. I paid Bank of America in full, and received Full Reconveyance. 

On XXXX/XXXX/XXXX, Bank of America 's letter to me states, Bank of America recently learned that XXXX XXXX XXXX, who was a valued customer, has passed away. Please accept our condolences during this difficult time. Based on the information received XXXX XXXX XXXX has been removed from the statements on that referenced account. Our records indicate that you are jointly liable on the account. Consequently all statements and correspondence will continue to be sent to your attention at the address listed above. If Bank of America 's information is not accurate, please contact us immediately at XXXX so that appropriate corrections can be completed. If an estate is available for XXXX XXXX XXXX, please contact us at the number above or forward and the executor contact information to the following address Bank of America, Attn. : Consumer Deceased Processing, XXXX XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. In accordance with the original contract terms regular monthly payments must be made to Bank of America until the full balance outstanding is satisfied. This payment application continues, regardless of any requests by you or any effort by Bank of America to seek recovery from XXXX XXXX XXXX 's estate. Again, we are sincerely sorry for your loss. XXXX XXXX, Consumer Risk Operations Group. 

On XXXX/XXXX/XXXX, XXXX signed the First Amendment of his revocable trust ( XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX. I am the spouse ( not XXXX XXXX ), and sole beneficiary/successor trustee of said Trust. 
On XXXX/XXXX/XXXX, XXXX signed his revocable trust ( XXXX XXXX XXXX Family Trust ) at the XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America treated my unfairly by charging me XXXX {$35.00} overdraft fees. I had {$220.00} in my account on XX/XX/2016. I charged {$4.00}, {$84.00}, and then an automatic deduction posted for {$230.00}. They allowed my debit card to work so I believe the auto payment took place after the XXXX smaller charges. They cheated me out of {$70.00}. I believe I should be penalized for the {$230.00} charge only. I would like to receive credit for both erroneous fees. I called today, waited on hold XXXX minutes, the employee waive XXXX fee and I requested to speak with her supervisor. She placed me on hold, came back XXXX minutes later and said she would now transfer to supervisor, the phone rang XXXX times and they disconnected me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18
Company: Navient Solutions, LLC.
State: TX
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 attended XXXX in the mid to late XXXX 's. Was told they would be easy to pay off, and if i ever needed job help they would be there to help me. Here we are XXXX years later still paying on my loans. I am really XXXX that I have probably paid off my loan XXXX times over in just interest. I was told by XXXX that my loan would n't effect my credit but it did make it hard to buy my first house. After i graduated they sent me on XXXX job interviews, XXXX for a company that wanted me to do sales and other that looked like fun but it was graveyard only. I finally found a job on my own. I was laid off and when I went back to XXXX to get help finding a job, I was told that only current graduating students where being helped ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I stopped by the XXXX Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX to open a checking account. 

I believe I was discriminated against by Regions Bank because I am an XXXX American XXXX. 

I was interviewed by a female bank representative. During the interview she gave me the impression that I was approved for a checking account. I listened to all of the prospects and opportunities I would have as a Regions Bank customer. 

I previously had a good relationship and banking history with Regions Bank. I did experience some financial hardships while my account was opened but I resolved all balances with the bank. 

I was denied the opportunity to open a checking account. Regions Bank moved to deny me the opportunity to bank with them again. I believe this was done because of erroneous information in the XXXX XXXX reporting system. I also believe that Regions Bank - just like other banks have discretion to take XXXX XXXX and XXXX XXXX information at face value - banks also understand that the United States is still recovering from an international pandemic and not every person has a pristine banking history. Based on my previous history with Regions Bank - I believe the bank should have considered this information as well. 

I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXXXXXX XXXX on XX/XX/2022. XXXX XXXX XXXXXXXX XXXX also received a notice from XXXX XXXX but based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps Regions Bank should consider other product offerings including but not limited to second chance checking.

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 2016-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX XXXX took out a student loan without my knowledge or permission in XXXX. She was living in my house and had access to all of my personal information and email. I was n't even in the same state as her when the account was opened. I was living and working in CA and staying at the XXXX XXXX. I 'm still not sure why Navient did n't contact me asking if I approved this loan. They even had my contact number. Once I discovered the loan I contacted Navient have followed everything they asked for. I never received any communication between when the loan was opened. Once i received the first bill 2 years later I called to try and have it removed. I have since tried to contact them and cant reach anyone in the fraud department. I received a letter saying they were no longer investigating the claim but have n't told me why. When i originally called they told me the loan was in deferment until XXXX. I received a bill yesterday asking for payment in XXXX XXXX. I shouldnt have to pay anything and this loan should be removed as I was never notified of the loan or signed any documents. They have yet to even provide me with application or any correspondence sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: GreenSky, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For more than a week now they have called everyday sometimes 3 times a day. I have told them I ca n't pay, I have no money coming in. What money I have is to pay utilities, and do not call back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello my name is XXXX XXXX. Portfolio Recovery Associates , LLC has placed an account on my credit report that i'm not familiar with. I've filed a an identity theft police report, the case number is XXXX. The account number is XXXX the supposed balance is XXXX. The original creditor is XXXXXXXX XXXX XXXX & the Current Creditor is Portfolio Recovery Associates , LLC. 
I want this account deleted off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX work : 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 2016-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
A settlement agreement was reached by telephone and direct payments to total {$3600.00}. 
I have made and the bank has processed XXXX of these XXXX payments already. Agreement reference number is XXXX. Bank of America did not apply the money as a pay off but as a regular payment with {$54.00} interest. They have creavtively, left me a XXXX balance. I have confirmation of this arrangement and their statement, attached

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 2016-05-18
Company: Navient Solutions, LLC.
State: TX
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 XXXX small loans that have been transferred to Navient in XX/XX/XXXX. The cumulative value of my monthly payments was the cumulative value of all loans due monthly. For the last six months Navient randomly started applying my payments to only XXXX of the loans while assessing " late fees '' on the rest. Telling me by XX/XX/XXXX I was {$1300.00} " past due '' and receiving " past due '' notices. I made a substantial payment in XX/XX/XXXX and still, " past due '' over {$1300.00}. They blamed my bank and bank 's bill pay feature, which is bogus. They " reallocated '' my XX/XX/XXXX payments, provided a NEW ACCOUNT NUMBER ( not the one on their website ) to me to use for XXXX of the XXXX of my loans ... I 've cancelled email statements because I want all their lies in writing now and I 'm closely monitoring to see if any " late fees '' are actually assessed XX/XX/XXXX-XX/XX/XXXX as I will dispute them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: Navient Solutions, LLC.
State: CA
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:
My loan is being transferred from XXXX to Navient ; and they are unsure of where the loan is in its processing. Navient is the recipient and has no record of me. XXXX is the seller and has a general time frame of 2 to 4 weeks ; but is not able to deal with my loan any longer. This means I am not able to make my monthly payment. When I do n't make a monthly payment, the interest continues to accrue on the current balance, rather than the slightly lower balance it would be at, should I have been able to successfully pay my monthly bill. Thus either XXXX and/or Navient will earn an additional profit by temporarily losing track of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX 2015 we closed on the sale of our house and Bank of America received the payoff on XXXX XXXX, 2015. At that time we had an escrow balance due of {$3800.00} +-. We have not received that payment and after XXXX phone calls to their customer service line we can still not get information on when we will be reimbursed. We have spoken to XXXX XXXX who assured we would receive our payment via usps by XXXX/XXXX/2015 and she would follow up with a call that day. She never called. Again we spoke to another representative, XXXX XXXX who said he would call us by XXXX/XXXX/2015. We have not heard from him either. It should be noted we were told the week of XXXX/XXXX/2015 the check was being sent XXXX and should have it XXXX/XXXX/2015. In none of these cases were we given a tracking number even though we asked. Note also that on the attached documents the escrow report shows a deduct from our account, we have not received that money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA. XXXX work : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: National Credit Systems,Inc.
State: TX
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:
on XX/XX/XXXX I was notified about {$9200.00} needs to be paid to National Credit system. XXXX inform me that debt was due to XXXX XXXX at XXXX XXXX XXXX, I called XXXX XXXX and was told someone used my ID to rent and did not pay some times between XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CARS Acquisition, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX sold my contract with out me knowing and they didn't fix my car. And I'm paying XXXX a month I feel like XXXX XXXX scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 'm advocating on behalf of my limited communications skills domestic partner XXXX XXXX who opened up checking and savings accounts with Bank of America in XXXX. I have co-power of attorney. 
XXXX is not XXXX 's XXXX language. He is from a remote XXXX where time virtually stands still ( few own XXXX ) so one can appreciate how overwhelming XXXX banking procedures/policies would be to such a man. Additionally XXXX is exceedingly introverted will not assert himself even when abused as Bank of America did to him. Just from the monthly hard copy statements since XXXX ALONE I 've so far been able to locate he has been slammed with approximately {$3000.00} in fees!!!!! Quite likely the figure approaches {$10000.00} since the inception of his accounts. XXXX month alone saw the usurious sum of {$280.00} yanked from his shrinking net worth. He is being charged almost as fast as he can earn. Understand, that the XXXX year old XXXX is an XXXX with XXXX being his most recent occupation. 
Banks should never be as detached from their customers as Bank of America is from XXXX. He and I plead for your intervention and an analysis of his accounts from their opening in hopes that XXXX might be rightfully reimbursed for the callous indifference and disproportionate depletion of his assets.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights.

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights . 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

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 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX XXXX XXXX taxes on our homestead had not been paid as of XXXX XXXX, XXXX. On XXXX XXXX I sent Bank of America a copy of a tax receipt for property taxes paid in the amount of {$600.00}. I made another tax payment of {$500.00} on XXXX XXXX and sent a copy of the receipt to Bank of America. I did not receive any reply or acknowledgement from the Bank. On XXXX XXXX, XXXX, I entered into an agreement with the tax office to pay the balance of the taxes in installments. I also sent a copy of this agreement to Bank of America on the same day, XXXX XXXX. With my first {$120.00} installment made to the XXXX XXXX was returned to me on XXXX XXXX, XXXX stating that Bank of America had paid the taxes on XXXX XXXX, XXXX. BAnk of America sent an escrow disclosure informing me that the mortgage payment would increase by {$510.00} for escrow, making my current payment of {$480.00} to increase to {$1000.00}. 
I sent Bank of America a letter certified mail via XXXX day priority on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. I protested their interference with my contract with the Tax Appraisal as well as their failure to acknowledge my proof of prior payments. I also inquired as to the {$990.00} refund they received from the tax authority and their failure to adjust my alleged escrow balance. I also inquired as to why I was n't allowed to pay any amounts due less the refund before they chose to double my house payment. To date I have not received any reply. I also stated that my husband and I could not afford to make this payment on our homestead. 
I also requested an answer as to why they have not answered my XXXX XXXX, inquiry to have my husband placed on the mortgage so that he could get XXXX his age and XXXX veterans exemption since we were married at the time the loan was made. H never received a reply to last years inquiry regarding my husbands name being left of the mortgage papers. 
I previously filed with the XXXX on XXXX XXXX, XXXX, however, on XXXX XXXX, they informed me that they could not assist us in this matter and referred us to this agency. The next months mortgage will be twice the amount we already pay and fear that we can not afford to make it and do not want to lose our 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 2017-02-24
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
account was reopen on XX/XX/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