BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2015, I contacted XXXX XXXX for tech support on my XXXX XXXX XXXX, over the phone. The representative that answered the phone told me that. XXXX XXXX XXXX and transferred all their customers to them. I did n't question the rep because they answered the XXXX Customer Service help desk ; I was unaware that they had hacked into XXXX phone line. The rep sold me a 5 yr contract for tech support that day. It was a phone transaction. They said they would send a contract via email. They charged my credit card with Bank of America Visa Account number # XXXX. I called XXXX XXXX support for an annual update and servicing and was told that XXXX had shut down. When informed of the closed business, I checked XXXX and found the attached website, where the attorney general in Washington State had sued XXXX for fraud. Bank of America has not refunded the {$370.00} to my Visa Card. Name on Account : XXXX XXXX. Please investigate this to see why a consumer can not be refunded in the case of FRAUD. Thank you. My phone number XXXX in Virginia Thank you for help.

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 2016-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bank of america home loan servicing assigned a XXXX balanced loan to XXXX. 

After transfer, to date XXXX claims more than {$110000.00} is due.

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 2016-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Bank of America is issuing inaccurate statements. I have XXXX balance transfers, XXXX with a promo short-term zero interest rate ( after the. Under the Interest Charge Calculations section of my statement, under " balance subject to interest rate '' it shows a zero balance for each of the balance transfers. This is not correct. I have several thousand dollars subject to that special zero-percent interest rate. While the special promo rate happens to be XXXX at the moment, this will change when the promo time period is over. 

Every other credit card company I have ever had a balance transfer with shows the actual balance in this section of the statement, even when the rate is zero. Right now I have no idea of much of my actual balance is currently subject to this promo rate. When I called Bank of America about the issue, I spoke to supervisor who said they used to show the correct balance amount there, but it was changed last year, she did n't know why, they had had a lot of complaints, but while they knew they were providing inaccurate information to the consumer, they were not going to change it and will continue to provide inaccurate information. She said that If I wanted to know my balance for each balance transaction each month, I would just have to call each month since they would not provide the statement regarding my correct balance on my statements. 
This is completely ridiculous and counter to the information they are supposed to provide me so that I can make good financial decisions. As I said, every other credit card company provides this information correctly on their statements, and by their own admission, BofA used to provide this information correctly. 

I 've attached a sample of my BofA statement and my statement from XXXX bank. As you can see, the BofA statement gives me incorrect information in that it is stating that I have a XXXX balance subject to the promo interest rate. this is completely incorrect. The XXXX statement presents the exact same situation correctly.

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, I pulled my credit report and noticed unauthorized inquiries. I contacted all the creditors on my report, they informed me I must contact my credit bureaus to notify them of unauthorized inquiries. I contacted experian, the company removed the inquiries. I contacted transunion and they refused to remove my inquiries, despite me repeating that I did not authorize these inquiries. The inquiries are as follows : -XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX -XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CARD SERVICES -XXXX XXXX XXXX  -XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Husband got a XXXX XXXX credit card. Account ending XXXX Wife never signed for the XXXX XXXX cardXX/XX/XXXX XXXX XXXX was seized by Federal and They went Bankrupt then XXXX Bank bought their debt. 
never had a credit card from XXXX and XXXX Card did not work after the XX/XX/XXXX XXXX working under XXXX XXXX XXXX XXXX account ending in*XXXXoffered a 40 % off of $ XXXX $ XXXXXX/XX/XXXX paid {$1000.00} then the rest over a 6 month period XX/XX/XXXX paid {$100.00} XXXX paid {$56.00} XXXX paid {$60.00} then called XXXX said owed still owed $ XXXX paid $ XXXX paid {$60.00} then said i owe another $ XXXX paid $ XXXX not ever receive a settlement XXXX closed down tried to contact them all number disconnectedXX/XX/XXXX XXXX sent letter that I owe Current Creditor XXXX XXXX XXXX XXXX # ending XXXX amount {$960.00} Sent a list of payments on the Account ending # XXXX Midland Credit Management, Inc sent a leter they bought XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX and they demand payment of $ XXXXXX/XX/XXXX Now Midland put Summons on my wife, which never sign or on the card to begin with! 
This is a never ending story. People not doing their job with final settlements and diffent companies buying bad dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My father passed away on XXXX XXXX, 2016. He was a cosigner on my private student loans that paid for my XXXX studies at XXXX University in XXXX. Navient called his number because I was approximately one week late on making the payment in XX/XX/XXXX following his passing. I answered the call and informed them of his death. I made the payment over the phone and I was told to send in his death certificate to release him as a cosigner. On XX/XX/2016 I received an E-Correspondence from Navient stating that : " Your cosigned private loan has been referred to XXXX XXXX , XXXX, to resolve the outstanding balance. They may attempt to contact the executor of the cosigner 's estate. If you provide a new, credit-worthy cosigner for your loan, we can recall the account from XXXX XXXX. If you do n't name a new cosigner ... XXXX XXXX XXXX attempt to locate the executor to discuss the status of the estate and the procedures for filing a claim with the probate court where the estate will be settled. The promissory note you signed provides that the loan may be declared in default and due in full if any borrower or cosigner passes away ; however, we wo n't declare the loan in default as long as you continue to make regular, monthly payments. '' I 'd thought my father would be released from the loans, especially since my loans are in good standing and I fully intend to continue making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I made a purchase at amazon dot com and swiftly cancelled it no more than half an hour later. XXXX put a hold on my card for the purchase at {$160.00}. I received a cancellation confirmation from XXXX and a settlement verification code from them after complaining about the standing hold. I contacted American Express Serve on four different occasions in a 20 hour period. Each time I was told something different about the transaction leading to confusion and misguidance. I finally reached a supervisor and supplied her with the verification code from XXXX and she told me the funds MIGHT be released in 8-10 days. I need my money now for bills and food which is why cancelled the order in the first place. The extremely misleading service and the absurd wait time to access my funds is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: The CBE Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a phone call from The CBE Group on XXXX/XXXX/2015 and this collection agency informed that they are collecting for a XXXX account in which I had removed off of all my credit reports to due ID Fraud. I told the collection agent that they are trying to collect on a debt that was created against me without my consent orknowlege. I told this young lady that I have a police report and FTC Affidavit that I have sent this to XXXX directly as well as the XXXX credit bureaus. She said that is impossible basically saying that people tell them all the time that the debt is n't there.s and basically we asked them to prove or pay. I hung up with her stating to check with XXXX because this account is no more and I am not liable for it. I have attached the same police report that was given to XXXX and he FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Payoff process

Complaint:
I have XXXX Bank of America credit cards. For about the tenth time in XXXX years I have made my monthly payment timely to B of A, in excess of the minimum amount due. B of A has a system error they refuse to fix whereby payments submitted in close proximity to the generation of a monthly statement will be reflected on the account, but will not clear the " payment due '' code online or in their voice response system. And that is not just a harmless " glitch '' -- it is actually on their books that there is a payment still due. The XXXX time I assumed it was a " glitch '' and would resolve itself, it did not, and B of A started calling me about a " late payment. '' Subsequently it happened numerous times. This past month it happened on XXXX of my B of A cards and with the payment due notation still on there, I just went ahead and for about the XXXX or XXXX time just made a double payment because I did not have an hour to dedicate to sitting on hold. So, happened again this month on my other B of A account, made my payment, still showed due. So I started an online chat a few days ago and the rep said they would fix it. They did not. I have now been on the phone for almost an hour with B of A and they are saying all they can do is reverse the payment I made and have me remake it. And they first tried to tell me the incorrect story that it was a " glitch '' that would resolve itself once the next statement generated. I pointed out to them the first time I made that assumption they were on the phone with me calling me and accusing me of failing to make a payment when due. Unbelievable, unacceptable, bumbling incompetence. They should have their license pulled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX XXXX has charged incorrect interest, has changed its rates from Fixed to Variable rates without full disclosure. Then XXXX XXXX changed its servicing name to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Navient Solutions, LLC.
State: DC
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 took out a student loans for my daughter that is past due and I have been trying to renegotiate payment ; however, I am facing what I consider to be unfair and arbitrary business practices. The negotiation has been in bad faith on the part of Navient and its debt collector, XXXX XXXX XXXX. 
When I first called to settle the staff member only wanted to get me in a loan rehabilitation program. I, however, wanted to have a payoff which would save me money in the long run. Their standard pay off of 91 % of the debt was too high for me. The next day or so, I called back and got someone willing to put in an offer to Navient. Navient came back with an offer that was still too high. I counter-offered and they came back with a HIGHER pay off amount. They said they recalculated according to the poverty levels in each city and state. When asked for the calculations and documentation, they would not supply it. 

I consider it negotiating in bad faith to raise the pay-off amount from their original offer. The agent answered that they do quarterly reviews. It is not the end of a quarter and I find this change arbitrary and unethical. The end of the call noted the collection costs of {$1100.00}. It sounds like they increased the pay-off to cover their own fees. This is an undue burden and leaves me with the sense that XXXX XXXX XXXX is selling their loan rehabilitation program to the continued detriment and debt of the borrower and not allowing any options. 

As the borrower, I have no recourse which is contrary to American values. There are NO telephone numbers at Navient to call. No people to speak to at Navient. I am only able to speak to people who are earning money off of my debt and have no interest in helping me with a reasonable and rational settlement. 

I also believe that an XXXX somewhere and Department of Justice should look into these business practices that actually hurt rather than help the poor. 
Thank you for your kind attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I received an email from " Bank of America on Line '' stating that my XXXX mortgage payment was not received. My home mortgage was closed/paid on XXXX. There were no accounts existing in XXXX with BofA. When I called BofA Mtg customer service I was told that I would have to contact " BofA on Line '' since that was different than BofA XXXX XXXX. I asked the customer service agent to correct the records, but they refused. Checking my annual credit report in XXXX on the web, I found that there was a 30 day delinquent record for XX/XX/XXXX thru BofA. I then went to a local BofA branch to process a request to correct the records. The branch did so and gave me a case # of XXXX. I was contacted by an agent from BofA the next day who again told me to email BofA on Line. They did acknowledge the mtg was paid on XXXX XXXX, however, but again would not correct the issue on their end. It is apparent that the " on Line '' entity has the ability to post incorrect data for BofA Mtg, but BofA Mtg. is not responsible!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgue with bank of america I over paid my escrol account and am due a refund but am behind on my loan so they will not give me my money I asked to have the money applyed to my loan to help bring it curent and they wount do it they told me they have to send it to me but they wount because I am behind

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: NJ
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:
original date of plus loan XX/XX/2007. paid for many years. I am a XXXX with limited income. I have called and spoke to several customer service agents. loan as been deferred many times. it seems like they like when I do that. the accrued interest on the loan is the same as the loan itself. when XXXX sold to navient, consumers do not have a clear print out of how much money you paid. its an upward climb. and the interest rate is so high. there is no one at Navient that can really advise you to help pay this loan, or write off some of it so you can set realistic payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called everyday, several times a time. I had discussed my intentions in a polite manner and how I was getting money from my retirement plan to pay this debt and that is takes XXXX days to obtain the funds and how I had discussed this with the school i attended. I also explained that I intended to pay the debt. No even XXXX days later, XXXX from the collection office calls me and barrads me for the debt. After trying to explain to her that I spoke with someone XXXX days ago about it, she said she was " checking on the status '' I asked her if she was going to call me everyday until the XXXX days, she said yes and it was her right. I told her that this was harrasment, she replied that it wasnt and that she would call everyday, several times a day until the debt was collected and that if i didnt want to talk then not to answer the phone. Then she started to laugh, as if this was entertaining her and as if it was a laughing matter. This upset me because I am trying to work to get this debt paid and she has no idea the circumstances that caused this debt to get behind in the first place, then she laughed again until i hung the phone up. The past XXXX days i have been called XXXX times at all hours of the day

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I Want to file a complaint about Bank of America For Foreclosing wrongly on me and my familys only home we had and loved! Bank of America ruined our life 's and we have been XXXX ever since they wrongly foreclosed on me during a loan modification I was almost done with and approved for! Its been almost 3 years since Bank of America took our home and all I received from the lawsuit was XXXX. Thats not even a mortgage payment! How is this fair or rite at all!? Bank of America should have to give us back our homes or help us get new ones since they were wrong and took everything from us we worked so hard to get!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I lost my ATM Debit Card and requested not just XXXX card as a replacement, but I requested XXXX cards. I am a senior and a veteran and due to my medical condition, I need XXXX cards. Bank of America said they were unable to provide me with XXXX cards for my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I lost my job XX/XX/XXXX. I went on craigslist to apply for different jobs. I had an account with Bank of America at the time. This one job sent me an email back stating I can receive money going shopping for other people in need and they will send me a check. Once I receive the check deposit in my account and take a percentage out for myself as they would give me a listing of items to by. I received a check in the mail from Texas and it was XXXX to me. Once I received the check it looked like a real check with a stub not knowing it was going to hurt my bank account. The bank closed my account after five years on count of this, because it was a bad check. Finally I not able to open another account not cash my working check. I hope my complaint reaches someone I was unaware that this situation would happen. Please help I have a son with a XXXX and I need a account to pay bills, work direct deposit and to cash my son SSI checks as well. I need help.

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 2017-03-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
For many years I contacted XXXX XXXX /navient to inform them that I was not able to pay and advised for multiple years to apply for forbearance and deferment on my loans causing the amount I now owe to increase over time due to interest. Years later I was finally made aware that I could apply for income based payments but since the my loans have grown more. Also my complaint is that then I learned that the school I went to actually closed after I graduated and lost their accreditation which explained why no potential employer would acknowledge my degree again causing me to owe all this money for a degree that means nothing. Not only do I still owe these loans and interest i have negative information on my credit report making even harder for me qualify for credit and other resources. As a single mother trying to educate my self and provide for my family this is very discouraging and makes things very hard. The school I attended was XXXX

Company response to consumer: Closed with explanation