BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to purchase a product for {$6700.00}. I went through bank of America after putting a {$1000.00} down with another credit card. I took the title to XXXX in XXXX, MD. XXXX said they are very aware of this company but this is not the company that sent me the title. I called the company so I can go and pick up the trailer. I can not haul the trailer until I have it registered and start my business. However, the person who gave me the title have no right to give me the title for this. I have the title but no product. Bank of america told me the company have 10 business days before giving me a temporary credit. I called Thursday XX/XX/XXXX. BOA said they are giving the company until Saturday XX/XX/XXXX. I called and was told the pet in BOA is closed that day. The rep said he is not sure why they told me that but he also saw it in the notes that they told me that. He told me to call BOA Monday because they are going to give the company until over the weekend to respond. I call Monday morning. Was told by a supervisor that all XXXX reps lied and did not tell me the correct information. I have to wait 45 days for them to investigate it. They said they would grant me a temp credit at first now they will not. They have not done anything with this investigation because I believe BOA know this company is a fraud. XXXX is also doing a investigation on this company. I purchased this through BOA thinking that my money was safe. I will be sure to remove all my money from BOA after this because I now see that they can not be trusted. I am a single mother who saved up for this business through what I thought was a trusted bank and this bank is not to be trusted

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 2017-01-24
Company: Navient Solutions, LLC.
State: CA
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 have been trying for years to work with XXXX XXXX to have {$5000.00} that was forgiven because my school closed taken off my account. It was taken off my account for a short while back in XX/XX/2008 but then that amount was put back onto my private student loan without a reason, so I kept trying and trying to reach customer service and get this taken care of but I just kept getting transferred to different people who could not help me after I had been told that it would be forgiven. So I contacted the attorney general as well and I included that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am writing to make a formal complaint regarding the assessment and adjudication of said fees on my Bank of America checking account. 
I called Bank of America Customer Service this morning XXXX XXXX 2016. XXXX previous calls were made with no connect made due to high call volumes and wait times between XXXX and 50minutes. 
- I spoke initially to XXXX and subsequently to her supervisor XXXX XXXX. 
- I requested a review and consideration of reversal for at least some of the fees assessed to my account XXXX of which have come in the last 6 days. 
- I pointed out that attempts were made to bring the account to date as soon as email notification was received. 
- Same day deposits were ignored and fees were assessed regardless. 
- A total of {$420.00} in fees have been assessed to my account in the last Year - A total of {$170.00} in fees have been charged to my account in the last 60 days - A total of {$70.00} in fees on a single transaction for {$70.00}, for which I made XXXX deposits totaling {$50.00} - I have been a Bank of America customer for over 10years - XXXX XXXX adjudicated claims as non-reversible and ended the call on that note. 
- I would like to request a second review and at least some of the funds returned. 

The fact that bank of America can charge {$420.00} in fees on low balance checking accounts, routinely and without any moral dilemma about it shows a callousness and complete disregard for its customers. 

I would like to see some measure of amelioration applied to my case. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-31
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Central Financial Control / Syndicated Office Systems put a collections account for XXXX $ on all XXXX of my credit reports XXXX / XXXX / XXXX back on XX/XX/XXXX. 

They had not sent me a notice of right to dispute. When i contacted the collections agency requesting verification of debt they never sent me a debt validation letter. Furthermore they contacted family members including my brother and threatened legal action to collect this debt which they never verified. 

I disputed these debts with the credit agencies XX/XX/XXXX and they decided to verify them without any justification or reasoning.

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 2016-02-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient ( Company who bought XXXX - my original loan company ) has not only ruined my credit - they sent me to a collections agency despite making payments based on my income ( showing intent to pay ) they made it so that I no longer could make online payments for the specific student signature loan ( because of the small based on income payments showing intent to pay ) so they set " XXXX '' on me ( XXXX part collections agency - supremely rude and dishonest and brings up a host of RED FLAGS on XXXX and other identity safety agencies ). 
XXXX XXXX XXXX Systems - also provided incorrect information about repayment plans and time and interest. I will also be reporting them to the XXXX ( XXXX ) for their practices and their damaging of my credit despite the FACT that I was making minimum payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: The CBE Group, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I called The CBE group at XXXX XXXX XXXX XXXX in XXXX ia XXXX about a debt there collecting from XXXX I ask them if I would settle up would they take it off my credit they said no ... I ask why they said they could n't ... oh yes they can I no they can I want to file a oplaint against them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
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 have been a bank of america customer since 2010. My salary, my home loan, everything are with BOA. Besides that I have been using Bank of america to accept more than 10 times wire transfer and none of them charge me fees. Every time my fee is waived since I am a loyalty customer.Even last time I called the agent and been told, I just to need to call every time after the fee post and they can waive it for me. Today the representative refuse to refund my wire transfer fee. And they need to be responsible for the misleading the customer. I have a lot more choices to accept the big wire transfer, but I get used to use the BOA which made me so disappoint today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was told by General Revenue that I committing a crime by not paying this debt, this debt is from coming out early from XXXX University. This collection company said that I could be wage garnished/Bank levy/ or much worse. This company was not professional at all. I do not feel that it is right for a collection company to accuse and slam the consumer with how they are committing a crime. Everyone will one day go through hard times, but this company was rude and barely would let me talk to explain why the debt was in their office. I eventually paid it but I never heard nor got any documentation from them stating it was paid/closed. I requested it also but nothing at all.

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 2015-05-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive repeated calls daily from this company. I signed up for a debt consolidation service and they continued to call my personal phone and my place of employment. 
Causing a phone to ring repeatedly in the attempts to annoy or establish communication is against the law. I have asked for the calls to stop and sent a cease and desist and still the calls continue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Bank of America owned home mortgage was sold to XXXX and I was notified by BofA 10 days prior to the transfer not the required 15 days. 
Also, my mortgage was sold to a bank in TX, a state I have refused to do business with in the past and vehemently refuse to do business with now. Do I have any recourse to find a different company?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I originally borrowed XXXX in student loans maybe 20 years ago. I pay {$67.00} dollars a month based on my income. I now have a bill of {$520000.00} in student loans from FEDLOAN which bought it from XXXX. I have been a XXXX  in Mississippi for over 20 years in low income, low performing districts. Recently when i inquired about loan forgiveness they indicated that I didn't apply for it 20 years ago! This is the first time i was ever told i had to apply for it 20 years ago! They indicated that they are charging me {$99.00} per day in interest! This is crazy. My Net Pay is {$2700.00} per month. There is NO POSSIBLE WAY i can ever pay for the loans.Can you please help. I can't even buy a house or anything because this over inflates my income to debt ratio. ive served my community, state and nation proudly as both a XXXX  and a veteran. Can you please Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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: Information belongs to someone else

Complaint:
I'M HAVING ISSUES WITH THIS ACCOUNT THAT APPEARS ON MY CREDIT REPORT WHICH IS NOT MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recovery portfolio associates llc, is not licensed to practice in NY as per NMLS resource database. I had XXXX balances that were outstanding for over 5 years and I paid it. Id like to dispute this case with the company if its possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: Navient Solutions, LLC.
State: NY
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 'll try to make this short. Navient, and all my loans with them equal a total of close to {$80000.00} dollars. These loans consist of Private, Federal, and Department of Education. Currently I can only work PT while taking care of my mom who had a debilitating accident. Navient is refusing to work with me, even after submitting documents showing my income for a lower payment. Moreover, my college is closing soon and I was part of the private college scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a Student Loan from XXXX and XXXX through Navient. 
1. They do not mail statements.. 
2. XX/XX/2015 I was involved in a XXXX ... stopped school. 
When we moved from XXXX to XXXX I called them and wanted a forbearance ; first they declined.. then since I was unemployed they offered me XXXX. 

3. Within a week they listed my loans on my XXXX credit reports as being as agreed to late and delinquent lowering my credit score from XXXX to XXXX. 

I contacted them ; emailed them through their site and told them of the problem.. employers chk credit scores for medical and when you are around locked XXXX, etc. TNavient then directed me to different directions and for XXXX months this has been going on and all I get are excuses and no action. 

Ca n't get a good job with a low credit score and they refuse to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
I closed a Bank of America credit card XX/XX/XXXX and XXXX " pro '' just charged the card {$190.00} and BofA let the charge through! Commonly, when credit # s change or cancel or whatever, the merchant that was trying to charge the card lets the customer know that they were not able to complete the transaction. Instead of this, BofA let the charge go through vs making XXXX come to me. BofA also tells me it is also impossible to dispute as this was previously a recurring charge. SO, even if you close a card - it is not really closed! BorA should have told the merchant, XXXX, that this card was closed a year ago! In trying to resolve the issue on the phone with Bof A yesterday ( for an hour talking to XXXX different people! ) all BofA was telling me to do is take it up wth Vimeo!

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

Complaint:
My wife and tried to work with Bank of America ( BOA ) to get a repayment plan in XXXX XXXX, Bank of America suggest we go through XXXX. On XXXX XXXX, XXXX we went to XXXX ( XXXX ), who contacted BOA, who stated we need to a Home Modification Loan. We filed for a Loan Modification with BOA, and were told to make no mortgage payments while the Modification was being processed. This went on for XXXX months until BOA stated we need to pay the XXXX months we were past due in order to make the Modification possible. My wife file for Chapter XXXX Bankruptcy and once the hearing was completed on XXXX/XXXX/XXXX, we made our XXXX payment on XXXX/XXXX/XXXX and made every payment thereafter on a regular basis. On XXXX/XXXX/XXXX we received a letter stating that our mortgage had sold to XXXX XXXX XXXX. ( XXXX ) We made our XXXX mortgage payment to XXXX on XXXX on the phone. On XXXX/XXXX/XXXX we received a call from our Lawyer, stating we were delinquent on our mortgage payment. On XXXX/XXXX/XXXX we received Court papers dated XXXX & XXXX/XXXX/XXXX that we were delinquent and that we had a Court date for XXXX XXXX, XXXX to foreclose on our home. We immediate met with out lawyer on XXXX/XXXX/XXXX and hand Exhibit XXXX which showed our payment to BOA were XXXX months behind. 
My wife and I went through our personal bank records and pulled all the checks and bank statement starting from the XXXX mortgage payment to the current payment recently made to XXXX. As of XXXX/XXXX/XXXX we heard from our Lawyer and everything between XXXX and us has been straighten out and foreclosure process stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Someone cashed fraudulent checks against my account in the total of {$9500.00}, XXXX for {$4700.00} and {$4800.00} ( Money Market Account ). On Friday XXXX, 2017, I received a call from the Michigan PNC bank stating that they believe there was fraud on my account. I terminated the call because they asked me for personal information and I did n't want to give it to them. I visited my bank on the same day PNC XXXX spoke to XXXX and told them I wanted to check my account because I was concerned about fraud. XXXX checked my account and said there was no activity and said there was nothing to be done. Over the weekend I checked my account XXXX, 2017 and saw there was a withdrawal for these checks, for XXXX. Called and went into my branch and the money had been pulled from my account. The bank put notes in their system and told me that someone would call and investigate the account and advised a XXXX would be assigned. They later assigned XXXX. They did not take anything in writing but took everything down and started dispute XXXX 2017. After the bank delayed I decided to put my dispute in writing and submitted an ID Theft Affidavit. They scanned it and said it was n't needed. However, they have never gotten back to me and now it has been almost 30 days and they have delayed getting back to me. I 'm concerned that this has n't been resolved and that the bank did n't close my account on the XXXX when I suspected the fraud. I understand that as a consumer I have a right to have fraudulent funds reversed if I report it in a timely fashion. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past two years, Chase Mortgage has. Made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into getting any. Moreover, I have never received an offer from them.On the other hand, I only have XXXX inquire from Chase Auto. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about people. This is abusive. What a steps does Chase Mortgage take to insure their employees are not abusing their sensitive information access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX occasions, XXXX XXXX 2016, XXXX XXXX 2016 and XXXX XXXX 2016, Chase Sapphire Credit card customer service agent confirmed that the Annual fee of {$95.00} will be refunded if I close the account within 180 days from the date the fee was charged. The fee was charged on XXXX XXXX 2016 and the account was closed on XXXX XXXX 2016 while declining their offer of XXXX points to keep the account active. When the last statement was generated, there was no refund and when I called them to inquire about the refund on XXXX XXXX 2016, they say that the policy has changed to only refund if the account is closed within 30 days and they say the policy change occurred on XXXX XXXX 2016 and they are not required to notify me of that change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Concord Resolution Inc (Closed)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several collection agencies such as XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Concord Resolution ( XXXX ), keep contacting my cellphone, work phone and even my employer 's number claiming i have an unpaid online payday loan. I asked for proof but never got any in the mail or email. They know all my personal information and tried to charge {$480.00} from my bank account as settlement. Fortunately, I was able to put a stop payment on it.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-05
Company: Guild Mortgage Company LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My short sale ( XXXX 2013 ) was reported as a foreclosure to all XXXX credit reporting bureaus, thus further damaging my credit history. After several attempts/requests to Guild Mortgage, they refuse to cooperate.

Company response to consumer: Closed with explanation