BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
After Filling report with the Consumer finance about my over all experiences with Bank of America. The Banking Company sent me letter & banking statements in the mail. The letter stated They respectful decline my request for reimbursement. with this in mind, by reading the letter that was send from XXXX on the companies behalf, she did n't really do any research on the account. letter that was sent be to me by XXXX stated as follow, brief summery : ( There was no overdraft fee on the account. or Error/s ). I called in on the date after the funds where taken out of my business account. The agent that i spoke to was very helpful and under standing. The agent lifted the overdraft fee and and place on my account an Cr in the amount of {$150.00}. told me thats all she was allowed to do at that time. I am not sure if she made and case on my behalf for the remaining amount of {$280.00} that I am seeking an Cr for. When XXXX called in, she did n't ask me anything when calling just asked me how i would like to be contacted. I just think morally unjust and wrong the process that was taken after i was told the amount of XXXX was now permanent. They lied to me the consumer. someone that in trusted there money in your home for safe keeping. No matter how small the amount. As I am writing this i cant help but to feel distraught. Feeling unheard as an consumer. The fund where debited from my account with out any notice or letter date when the funds would debited from my account. an this is morally wrong with out and doubt. I would like to say that I am grateful there are banks that allow consumers to use their banking home system for our money safe keeping.

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 2017-01-19
Company: Navient Solutions, LLC.
State: MS
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 given false information about statuses and payments for my loan. My deferrment date for my loan also changed. My loans were supposed to be in deferment until XXXX XXXX, Navient made my loan repayment change to XXXX XXXX. My interest rate was increased without my knowledge, and no one could give me an answer why. I was forced to take a forbearance for my loans, which continued to allow interest to occur during those timeframes without being offered any other options. They did not work out an affordable payment plan for me when I had a job change/was unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Hello, I applied for and received a secured Bank of America Visa in XXXX, 2014. 
That month, I was charged an annual maintenance fee of {$39.00}. I had no idea that the annual maintenance fee would be charged the same month as the opening of my account. 
I did n't charge anything on this card for several months so there was no need for me to check my balance. 
I had no idea that the annual fee had been charged to my account and as a result, since I was n't using the card, I did n't make any payments. 
In XXXX, I realized that my account was in default due to the annual payment charge and I immediately paid the entire amount. Now, all XXXX credit bureaus are showing a past due entry of XXXX days. 

I have attached a copy of my credit card agreement from Bank of America which outlines the stipulations that I had to agree to in order to obtain the card. The {$39.00} annual maintenance fee is mentioned, However there is NO mention at all of the date when the annual fee is supposed to be charged. Nothing at all. 

If there are consumers such as myself who receive a card and do not make charges, it is only logical that they would assume that there are no payments due on their card. The agreement says absolutely nothing about when to expect the annual fee to be charged. It should at least say that the charge will appear " X '' days after the card is approved in order to give the consumer a head 's up. 
I would like the " Late Payment '' remark removed from all XXXX credit reporting bureaus. The date that the charge was going to be made should have clearly been included in the Bank of America credit agreement. 

Thank you very much for your time, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I are in the final process of refinancing our home. We started this process on the phone with an agent of Bank of America who quoted not only verbally but also in writing a program with a good rate on a 30-year fixed and a credit on closing costs that would require us only to pay {$700.00} out of pocket for the appraisal. It was a " special promotion '' and thus made their offer more competitive than others we were considering at the time not on the rate but on the closing costs. After essentially months of lost paperwork, unanswered emails, clerical errors, etc., days before we are suppose to " close '' they 've come up with some story of now, because of the " need '' to rerun a credit report, the closing costs have gone up and there will be no credit towards those costs. Out of pocket will now be {$700.00} for the appraisal, which we 've already paid, plus an additional {$5000.00}. That is totally unacceptable given we both still have the same income as we did when we started this process two months ago because we still have the same jobs, we have a XXXX of XXXX %, and are still just as qualified now as we were then. I believe this is just some bait and switch tactic which has forced us into a situation where we will now lose {$700.00} and have to potentially pay a higher rate if we go with another institution given rates have recently risen compared to what they were when we started this process. The delay in closing has been completely driven by the ineptitude and unprofessional behavior of the Bank of America employees involved which is documented by the string of emails we have with them over this time period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: KS
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 have my loans through Navient. They purchased XXXX and so they have my private loans as well as my federal loans they bought out. The interest rate is so high on my private loans that it will take forever to pay them back, even though I selected the 10 year repayment program. I went XXXX after graduating and so my interest rate shouldve been capped but I am pretty sure they were charging me a higher interest rate even when I was on XXXX XX/XX/XXXX. I was on reserve status for XX/XX/XXXX-XX/XX/XXXX until after I graduated from XXXX school. Once I left XXXX this summer I noticed my private loans shot back up to greater than 13 %. Just seems like robbery. I am in the process of getting them refinanced so that I can get them paid off and not be a slave for the rest of my life. I can get you any documents that you might need. I have never missed a payment but my payments are high and I am paying around {$1000.00} per month just in interest. so majority of my payments are taking off interest. I have never received any contact from them other than email. No one has ever offered to help or offer information on the best course of action for paying off the loan. The interest is so high that it to me is robbery. I have excellent credit and an excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Hello on XXXX XXXX 2016 we purchased XXXX round trip tickets from a travel agent called XXXX for travel date of XXXX XXXX from XXXX to XXXX and then to XXXX and to return on the XXXX of XXXX XXXX and then XXXX when we reached the airport for our return flight they would not let us on the flight saying we were never supposed to be sold these tickets we waited for the time difference and called the agent he said he will take care of it he later said he booked us on XXXX no mention of any charges and why would there be any? its his mistake when i got back on sat we found out he had called our daughter that night and told here that those tickets where around {$2400.00} which we never authorized he asked me for the credit card number i used to buy the original tickets so i did a dispute with wells fargo they took the info and i called monday to confirm they said that they couldnt talk to me till the primary on the card gave them authorization to talk to me which he did then they gave me 3 diffrent stories the final one is that the can only dispute the portion of the sale that i didnt use i tried to explain to them that i bought XXXX round trip tickets for XXXX not XXXX - XXXX the difference i did not authorize the XXXX and just thought he put us with another air line i agreed with and purchased XXXX round trip tickets for XXXX wells fargo should protect their clients from theft fraud or crocked merchents which in this case they are protecting the con artist

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 2016-08-23
Company: KEYCORP
State: TX
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 previously filed a complaint that was being disputed but has had no resolution so I am filing this complaint. I have a loan with Key Bank and they have been the absolute worst company to ever work with. I have other student loans elsewhere and have had XXXX XXXX XXXX and I am currently a customer of XXXX and Key Bank far outpaces any other company as the worst company I have to deal with. I have tried to lower my payments for a long time at this point because I can not afford the ridiculous payment which is over {$450.00} right now. I can only afford about $ XXXX- {$150.00} a month and I desperately want to make my payments but XXXX has now made me work with a third company who has a restricted number because they are so shady. They already use one company to take care of the loan, Key owns the loan, and now they have hired another company with the sole responsibility to call me 5 times a day to harass me. This company 's predatory practices are beyond ridiculous at this point. I want to pay my loan and eventually I will have a higher paying job ( or my wife will have a higher paying job ) but we do n't have the ability to afford payments right now. I, like so many other students, feel like I was taken advantage of whenever I went to school and was not told that I would be harassed constantly and would have to pay more than half of one of my paychecks a month to student loan companies. My income will not allow me to pay the loans but Key Bank does not care about people which has been proven every time I call them. Please, someone help me actually be able to pay my loan and prevent this company from attempting to take over and ruin my life. Thank you for any help you can be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: TCF NATIONAL BANK
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank currently has issued me XXXX Overdraft Charges. XXXX of the charges are on Deposits!!!! XXXX of the charges are on amounts that kept my account negative under {$3.00} a total balance of $ XXXX I called and verified this would not be affected because it was under {$3.00} and advised I would be bringing a cash deposit, also told by the employee the cash could be deposited in the ATM and I would still avoid the fee except for the XXXX purchase that put me into overdraft-I have XXXX purchase and XXXX deposits. I should have only XXXX overdraft fee, I should not have XXXX fees. This is very disheartening!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I canceled my PMI effective XXXX. I received a letter from Well 's Fargo stating PMI was canceled. Well 's Fargo continued to charge me for PMI from my escrow account. They have taken 11 payments after the cancelation.

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 2016-02-08
Company: Arbor Residential Mortgage LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage is serviced by Seneca Mortgage Servicing LLC. Received letter dated XXXX/XXXX/16 requesting additional {$1000.00} in payment on top of the {$660.00} standard monthly payment that had been received ( noted in letter ). No explanation for additional {$1000.00} charge. Online account still noted {$660.00} as the required payment amount. 

Sent email to customer solutions day received letter, XXXX/XXXX/16, after being unable to contact a representative through customer service number in letter and available online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Arbor Residential Mortgage LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage includes escrow however my mortgage/servicing company, Seneca, has not paid my property taxes and I have called repeatedly and faxed in a copy of my tax bill. XXXX quarterly payments have not been paid to dat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: KEYCORP
State: UT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with Key Bank and in 2013 I settled the account with them and it was complete XX/XX/2013. They are still reporting that I owe a balance and it should have been XXXX once the payment was completed. It has affected all my financing since 2013 due to this fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: ERC
State: MD
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:
XXXX is charging me for services rendered for XX/XX/2014, however, as my lease shows ( attached ) I did not even move into the house until XX/XX/2014, further more, I was in XXXX until XX/XX/XXXX, and my service was not activated here in XXXX until appx XX/XX/2014. 

The account has been turned over to Enhanced Recovery Company, and after numerous attempts, I am getting no where with having this information removed from my credit report. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
a wire transfer of funds was sent from my account on XXXX/XXXX/2015 ( thru citizens bank ) to XXXX for rental of a condo at XXXX in XXXX fl.a day after I discovered it was a scam and went to citizens bank and had the wire cancelled or reversed on XXXX/XXXX/2015. the scamer sent an e-mail on Friday XXXX/XXXX/2015 to tell me his bank told him funds would not be available until Monday XX/XX/2015.since I cancelled before XXXX/XXXX/2015 and citizens wire contract states that I have until XXXX/XXXX/2015 to cancel, why was n't it stopped. what are my rights.i have n't heard anything from citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called Blakely and Witt on XX/XX/XXXX2016 and asked to speak to XXXX XXXX XXXX. I asked if he could send me the documents that he stated in our conversation last week stating that I had supposedly signed documents that his company was able to add interest to my original debt. XXXX XXXX XXXX stated " Look I do n't have time to play games with you lady, when you get serious then call me '' and the phone call was disconnected. I tried to call back just but I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Complaint # XXXX It has been longer than 30 days and Experian has not sent me verifiable evidence of these accounts listed on my credit report. I want these items deleted from my credit report per the Fair Credit Act 609. 

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 explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  XXXX XXXX XXXX is incorrectly reporting that my account is open. I requested the account to be closed, have received a confirmation by email, and have provided a copy in this complaint submission, that the account would be closed. XXXX XXXX  XXXX XXXX XXXX is continuing to report to the agencies that this account is open. XXXX XXXX  has zero consideration for the small consumer, as this is one of TWO incorrect reporting of information to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: ERC
State: NY
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:
XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re. : XXXX Dispute # XXXX Please note that this is in reference to account number XXXX pertaining to then phone XXXX for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. As you will see from the documents enclosed I was incarcerated on XXXX XXXX, XXXX, at approximately XXXX and was not released until XXXX XXXX, XXXX. I am therefore rightfully disputing the {$600.00} XXXX claims that I owe them from billing for their services since just prior to my incarceration date I had already paid my last bill. I was not free in society to have been able to utilize XXXX 's services beyond then and I should not have been continued to be billed after the first payment beyond XXXX XXXX, XXXX, failed to be paid by me due to being incarcerated. 
I also want this erroneous debt claimed to be owed removed by XXXX from my Credit Reports. Although the erred referenced had been previously taken out from my Credit Reports upon XXXX having been notified of their error soon as I was released, recently on XXXX XXXX, XXXX, for some reason it was placed back on there and fraudulently claimed that it was a debt as of XXXX XXXX, XXXX. Despite this debt claimed being over almost six years olds well. 
I previously wrote about this matter after being released and learning of the above but have yet to hear anything, nor was I called regarding the investigation of this Dispute although I was told that I would be before any decision would be had. 
In sum, your time and expedient help in the resolution of this matter will be greatly appreciated. 
Cordially, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-06
Company: ERC
State: MD
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:
Enhanced Recovery Company has contacted me over XXXX debts that are not mine. On both occasions, I called and informed them of this issue and they said they " would make a note and take care of it. '' XXXX of the debts has now been reported as delinquent and is on credit report, The process for removing this debt from my record is exhausting and slow and places the burden of proof on the individual and not on the person assuming the debt. ERC has acknowledged that this debt is only linked to me by name and not through a social security number. Despite my contacting them and rejecting ownership of this debt and they having no proof that the debt was in fact mine, they still reported it to the credit bureaus and have affected my ability to acquire a mortgage in the short term. This is a shady business practice. Debts whose ownership is not confirmed and verified via a SS number or other official means should not be allowed to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/2014, I paid the student loans, for the amount of {$9000.00}. Citizens bank, told me that they will communicate withXXXX to clear my credit report, my {$9000.00}. cashiers check wascashed by the citizens bank, but they did not informed XXXX, Ihope that, they should be investigated, because they are damageiging my credit report to the XXXX agency 's.

Company response to consumer: Closed with explanation