BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I currently have an account with Synchrony XXXXXXXX XXXX XXXX. Last summer, I had to return a couch that was under warranty with them due to manufacturer defects. The replacement item cost more than the item they originally sold me as prices had gone up due to " inflation '' they said. As a result, the company increased my credit limit for one day to allow the purchase of the replacement couch to go through. They then immediately reduced my limit with no notice. Furthermore, they are now reporting on my credit that I am significantly over my spending limit for a revolving credit account which this is not. This is negatively effecting my credit and credit score. They are stating that I owe them {$2500.00} dollars, but only reporting that I have a {$900.00} dollar credit limit. Therefore, they are consistently reporting that I am {$1600.00} over my credit limit. I have attempted to get the company to change how they report this on my credit. I called them multiple times in XXXX and XXXX and each time I received the same answer, that I needed to deal with the credit bureau and not the creditor. I have filed disputes on how this reported to no avail. I am attaching statements from XXXX of XXXX until XXXX of XXXX to show the temporary credit increase of over {$2000.00} and then immediately reporting that I am over my credit limit which they allowed.

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 2022-05-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under age. IK open end consumer credit plan as late for an purpose. 
Additionally, my XXXX  XXXX is still on my report and is discharged - it shouldnt be on my report any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
hi my wlfe hads been out of work for a bout 2 years .I XXXX XXXX is the only one working at the time.i been paying my morage late but it get paid .bank of America been threating me that they are going to put me and my wlfe out and grand son.i hand ask theme for help and they turn me down.and they have all kind people callin me and sen me letter a bou my late pay ment.

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 2016-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX ( A scammer ) offered to buy my tv for {$370.00} on XXXX. Said they would send certified funds via XXXX I rec 'd a check for {$1900.00} on XX/XX/XXXX and texted, asking why so much? The scammer responded that I send the overage via XXXX XXXX to their movers, a XXXX XXXX in KS. On XX/XX/XXXX my bank had cleared the check and the funds were made available in my account so I sent the {$1400.00} as requested. Today XX/XX/XXXX, my bank debited the {$1900.00} check saying the check was fraudulent. I have many texts & emails back and forth with this person prior to the check bouncing. When I texted today, I got no response.I have contacted XXXX XXXX ( case # XXXX ) and the XXXX Police ( case # not yet assigned ).

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 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have XXXX credit cards with bank of america. They do n't have my account statements for everything that I owe. I believe banks are supposed to have statements of everything I owe. They said they could only go up I believe 7 years but beyond that they do n't have a record. If this is the case I dont believe they are allowed to charge me for prior the 7 years.

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 2016-09-12
Company: Navient Solutions, LLC.
State: OR
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:
Despite numerous written requests for a detailed calculations, Navient refuses to provide me with documentation explaining why my IBR payments have increased 400 % despite no commensurate increase in annual income. I have submitted multiple IBR requests complete with payroll documentation to Navient, only to receive no change in decision or written statement from them explaining their actions. Their customer phone tree generally takes XXXX45 minutes to reach a live person, and then usually results in several transfers and a recommendation to resubmit an IBR application. Conversely, Navient sends emailed, written, and telephonic updates almost daily to advise when a payment is due to them. It is clear from this pattern of communication that Navient wishes to reap the profits from servicing students loans, while placing minimal attention towards their fiduciary responsibilities to loan holders and US government alike.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a credit card and checking account with bank of america and the accounts disappeared from my online banking profile. When I called Bank of America, they indicated that they had marked me as deceased in their systems and began the process of closing those accounts. They could not give me a reason why this occurred and I am I concerned about potential identity theft.

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 2016-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I continue to receive an annual notice for a closed bank account with a charge for safe deposit box rent. The Bank of America branch located in XXXX XXXX XXXX, FL closed my checking, savings, ATM, credit card and deposit box over 3 years ago. These transactions were done, in person, with a bank officer .... I returned all bank cards, keys and records and received a bank cashiers ' check for all money due at this closing.. I also receive robo calls from XXXX with a recorded message with a reference number. These actions are at best harrassment and most certainly a fraudulent activity. All attempts to contact B of A and speak to a representative have failed.

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: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I saw an XXXX University XXXX commercial and made 1 call to inquire. Every since that day I dreaded ever contacting them. They called, emailed, left messages everyday ... numerous times a day. I ended up attending XXXX University XXXX, FL from XXXX til XXXX for an XXXX XXXX in XXXX. Initially, tuition was under XXXX a semester, but every semester it increased until it was just about XXXX per semester. As a result I 'm now XXXX dollars in debt due to a 2 year degree attending XXXX University XXXX. As well all know now my degree that I put blood, sweat, and tears into is not even usable due to XXXX closing and the school being non accredited. I was initially told the school was accredited an that they do job placement after graduation. NONE of that was true! It was a all a hoax to me ... like a bad dream that left me in debt. I feel my loan along with thousands of others should be forgiven, cancelled, completely abolished due to the circulating news of their closing and being sued, no accreditation, lies of future employment placement, and let us not forget their lying to millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
i have been trying to pay my loan back for months with navient. i cant even make an account online. When i try to, it tells me to call them because there is something wrong. so i have been. Heres what i have found out ... i cant make and account because there is another account separate from mine and from me with MY social security number but a different Birthday. so i can even create an account to pay my bills or check my status or even have an account. This has been going on for MONTHS and i dont think they are even trying to fix it. they are charging me interest, they are harassing me by phone and mail, telling me i need to pay them, threating to report to the credit companys. Please help me! someone has used my SS # and opened another account with navient, i cant pay my bills on my own account, and its gaining intreast, and they are doing anyhting about it? PLEASE HELP ME ... PLEASE ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had fraudulent activity on my Bank of America XXXX # XXXX which I described in detail through the " Tell Your Story '' portal on the CFPB website about a week ago. Possibly, BoA may have been hacked in view of the repetitive nature of the fraudulent charges. After I contacted BoA about the fraud, they closed that account and assured me that they would expedite delivery of a replacement card so that it arrived no later than this past Tuesday, XXXX XXXX 2016. However, Tuesday came and went, Wednesday came and went, and Thursday came and went, with no replacement card. This is one of several lies BoA told me. On Friday, the card arrived. It has the account number XXXX. Instructions with it said to call an XXXX number to activate it which I did. At that time, a recorded voice told me that the card was activated and ready to use. This is the second lie that BoA told me. Because the fraud department at BoA had told me to report other activity, I thought I should call it to confirm that the card was activated. I did so on Friday and was told by the representative I spoke with that the card was activated and ready to use. This is the third lie BoA told me. Today I tried to use the card for the first time and it was declined. BoA also wasted well over an hour of my time engaging in these unfair, deceptive and abusive activities, worsening them with excessive, hollow, time-consuming apologies along the way. After I spoke to the second person at BoA about this today, I asked to speak to a supervisor. I think the supervisor identified herself as " XXXX '' in Georgia. XXXX refused to rectify the problems by getting the card to work. 
On Thursday, when this card had not arrived, I called BoA to report that it had not arrived by the date certain BoA had said it would arrive by, last Tuesday. At that point, the person I talked to said she would send another, second replacement card for the original card. When the first replacement card arrived the next day, Friday, I was told twice by BoA, that it was activated and ready to use. The representative I talked to then told me that he was was going to cancel the second replacement card that I have never received. This was the fourth lie that BoA told me. Instead of cancelling the card I have not received, he cancelled the card I did receive, and then immediately told me that the XXXX I had was activated and ready to use. 
I finally hung up the phone with XXXX who refused to honor what BoA had told me previously. I 'd had enough of BoA 's lies and had had more than enough of my time wasted. I 'd told her that she could explain BoA 's prevaricating proclivities and abuse of its customers to the CFPB.

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 2016-01-26
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen survices my Mortgage Loan and they have the worse customer service I have ever seen. I have had my loan on automatic payment since I have had my loan and last year I a got a past due notice that I had not paid my payment. after many hours of trying to get someone & answers they finally discovered that they had just deleted the ACH from my loan. I finally got that resolved and then on my statement a {$5.00} charge showed up for something I did not request. that was never resolved. and now yester day I got a late notice for my payment and when I looked it up on their system this payment was credited to my account with them on XX/XX/2016! I also discovered that the amount I prepay them with that payment is held until the XXXX of the month and applied. that is just wrong! I have been in banking for 25 years and we apply any extra amount immediately. I have been calling for 2 days and have yet to get anyone. also if you just call the customer service number you get someone in XXXX, XXXX, or the XXXX and all you get is their standard responses. THIS IS NOT RIGHT! I have looked into refinancing just to get my loan away from them but why should I have to pay closing cost again because they ca n't or want handle business properly! I paid closing a few years ago to get it away from XXXX XXXX and this is not right!!!!!!!!!!! I had not choice about my loan being taken over by someone else and winding up with these horrible, incompetent people handling!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: MI
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:
I was recently charged {$74.00} on my Navient loans. The transaction detail only says " Rebate Reversal ''. The other thing is though this was a total of {$74.00} it oddly appears as {$30.00} on one loan, {$30.00} on another, and I ca n't even find where the other {$14.00} went. 

I called Navient to talk to them and ask them about this. This was 15 days ago. The person I talked to could not tell me what this was, why I was getting it or where it came from. He did some digging. It said that it looked like I failed to pay one of my loans on time. However, we both went through my transaction history and not only have I always been on time I make multiple payments a month in order to keep interest to a minimum. He said it does appear to be though a violation of an agreement. Which I asked, What agreement, he did n't know. I asked what other loans on my account had an agreement, which again he did n't know. He told me he needed to submit this to somewhere else and they would get back to me within 14 days. I have yet to hear from them. 

The only thing that I can think of remotely of me missing a payment would be XXXX of 2016. This is when Navient upgraded their website and corrupted thousands of peoples student loan information. I could not log in to the website, I could not make payments. I called multiple times, which they should have on record. Every time I was told that I would not be charged any penalties for this because the problem was their fault. They still to this day do not have the new website up and running and I have to go to the old one to do things. Which again, if this outage on Navients side back in XXXX is the reason for me getting charged this rebate reversal, then I should not be charged for Navients mistakes. 

What I want : 1 ) Why was I changed this rebate reversal? 
2 ) What other loans have some sort of agreement? 
3 ) If this was because of the website outage and Navient 's corruption of customer data, then this is not my fault and the money should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Myself and my husband are charged bank fees, the bank will not reverse charges. We have been able to deposit funds that same day to cover charges / checks that went through. My husband was charged XXXX fees this month on his account, he had always made deposits that same day to prevent fees, now the associates say that was never their policy, after being on the phone for XXXX30 minutes at a time, the associate was very disrespectful and had noknowlddge of his employer

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 2015-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was given a loan from Countrywide for 100 % of my purchase price on XXXX. 

I am currently in Foreclosure. 

Please help me and my family save our home. 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Universal Recovery Corporation
State: FL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage at a XXXX XXXX branch on XXXX, XXXX XXXX, loan number XXXX, I was approved and received a good faith package in the mail. A week later I called XXXX XXXX to get details of what documents they would need from me but was told the loan was denied due to a pre-forclosure from American Home Mortgage, that was on my mortgage credit history, however when I pull my credit I do not see this so it 's somehow hidden when the cosumer pulls a copy of their credit report and only showsup when creditors pull a mortgage credit report. Also, American Home Mortgagechanged their name form this to Homeward Residential, which my account number was listed under # XXXX, and is now listed under Ocwen Mortgage Servicing, Acc # XXXX. Please note that I have never been in pre-forclosure for this mortgage.. It is my strong belief that Ocwen is allowing this to be reported to keep me from refinancing my current loan that has a high 7.5 % interest rate. I do not see this information when I pull my consumer report, but mortgage companies see and inquirer about it when I apply for credit and have previously asked for an explanation. American Home Mortgage Homeward Residential and Ocwen all have a history or unethical mortgage servicingpractices along and AHMSI and Homeward faced a a class action law suit, one of the reasons they keep changing their name and reorganizing their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reported a credit reporting issue to all XXXX credit bureaus regarding XXXX Arkansas reporting incorrectly about a debt, as well as not accepting payment in efforts to remove the negative account from my credit report. 
I have contacted XXXX at least 7 times in the last 10 months ( phone, letter and through credit bureaus ) in efforts to clear a debt that has been reported on my credit report. I do not have the address the company is needing in order to access the account, despite providing all possible addresses I lived at in Arkansas and providing my social security number. The company representatives have refused to transfer me to higher level supervisors in efforts to reach someone who could accept a payment and remove the account from collections. 
After I reported it to the credit bureaus, I received XXXX  letters ( XXXX  is attached ) stating I need to contact the business at a non-working number that my credit representative has also reached out to with no success. I have called the correct phone number and tried to use the account number and provided the account number from the letter sent by XXXX and XXXX, and nothing from Equifax. The XXXX representatives I have spoken to claim the account number is incorrect and/or does not exist. My credit restoration representative has also exhausted all contact options to reach out to the company with no success of reaching someone who can help. We have tried paying this debt off to delete from my credit report, but they refuse. This specific credit bureau has not helped in solving the issue by providing incorrect information, and this not completing their research and reporting to my credit reports appropriately. This negative credit needs to be removed immediately if XXXX is unable and unwilling to accept payment and all XXXX credit reporting companies continue to report incorrect information.

Company response to consumer: Closed with explanation