BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cardinal mortgage established a fully funded escrow account at the time the loan was conceived ( around XX/XX/2021 ) and subsequently neglected to pay the homeowners insurance. The lapse was noticed 2 - 3 months later and resulted in the cancellation of my homeowners policy. Hence, a new homeowners policy was created. This came at a higher premium for the exact coverage. Cardinal didnt assume any financial responsibility for their mistake. In addition, because of the lapse in coverage between XX/XX/2021 to XX/XX/2021, I had to buy insurance to cover those dates along with the normal annual premium. After paying for the coverage, my insurance agent and I called on three occasions to provide proof of insurance ( email/fax ) because Cardinal hadnt entered the 2 policies into their systems as stated by the previous representative ( the new annual policy and the policy that covered the lapse ). On XX/XX/2021, I received a letter stating that Cardinal had purchased insurance to protect their interests in the property. As a result of debiting my mortgage to pay for insurance that I did not need and shown that I already had ( three time prior ), Im concerned that Cardinal will withdraw this amount from my mortgage payment thereby creating an ongoing mortgage deficit to generate late payments + fees, as well as hurt my credit by misreporting on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had opened a new checking account with Bank of America in XXXX of XXXX. Upon opening the account, I was advised that I would receive a bonus of {$300.00} if I met the requirement of a total of {$4500.00} in direct deposits made to the account within the first 90 days of opening the account. I met the requirements and did not receive the promotion after approximately 60 days after meeting the requirements. I reached out to Bank of America 's customer service and was advised that they saw I met the requirements, and it would just take a little more time to receive the promotion. After about another 4 weeks I called back and was advised that I would receive the promotion, I would just need to wait more time. 

After several contacts with Bank of America, and ample time to receive the promotion, I contacted customer service on XXXX XXXX, XXXX. I was advised that I will not be receiving the {$300.00} promotion, regardless of being advised previously that I met all qualifications.

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 2017-02-03
Company: Navient Solutions, LLC.
State: MO
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:
For months we have been given the run around with being double charged for student loans we paid off through XXXX. Navient calls daily with the same demand for us to pay student loans that have already been paid. ( FRUSTRATED ) On XX/XX/2016 I paid XXXX {$28000.00}. 
Navient has duplicated my student loans somehow. 
They have double charge me. Navient is showing XXXX separate accounts for me. 
We have paid these loans off. ( with the exception of roughly {$350.00} dollars ) Could you please help me as it is adversely effecting my credit score and causing my family and I an incredible amount of stress! We are trying to buy a home and these credit dings are preventing us. 
Please feel free to contact my wife or I. 
Thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently ( on XX/XX/XXXX ) opened a new checking account with Bank of America ( " BofA '' ). I 've had a mortgage with them since XXXX and they offered an incentive of {$200.00} if a new account was opened and the mortgage paid with funds from it by XX/XX/XXXX. At the end of XXXX, I received 3 personal checks ( totaling {$4400.00} ) in connection with a new tenancy for a rental property. I deposited those checks into the BofA checking account on Monday, XX/XX/XXXX, and the receipt indicated that the funds would be available on 11/30/2016 at XXXX On XX/XX/XXXX when I noted that the funds remained on hold, I called then personally visited BofA where I opened the account ( no answer to 2 telephone calls ), and was told that the funds would be held until XX/XX/XXXX at XXXX. ( not sure of the hour, but I recall it was morning and not end of day ). There was a claim that this was " a new pattern '' with my account and there was no confirmation that the bank would pay the checks. At the time, I showed the BofA representative ( XXXX ) a screenshot showing that the 3 checks had been honored from my tenant 's account on XX/XX/XXXX and that there was more than ample money in the account to cover the checks ( 14,000+ ). My issue is that BofA not only had already been paid on the checks and was claiming there was some " risk '' to justify continuing to hold my funds, as well as claiming no relationship with me after having had a pristiine mortgage relationship with me since XX/XX/XXXX. I noted to the BofA representative that this kind of action on the part of big banks is why I will take steps in the future to move my money out of BofA and not do business with them in the future if I can help it. I believe their continued hold on MY MONEY is an unacceptable action, and I wish to notify CFPB and receive an appropriate remedy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient refuses to enroll me in the IBR plan. I submitted the required documentation in XX/XX/XXXX ... did not receive a response and then found out today that Navient had been sitting on the required payment documentation since XX/XX/2016. 

My spouse first had her payment cut significantly, and now lost her job. I can not pay my loans at the current rate. Navient REFUSES to allow me to enroll in the IBR plan. They continue to ask me to jump through hoop after hoop. For example, they told me I could upload documents to their website. After filing a CFPB claim in XX/XX/XXXX they told me it had to be faxed in. I assume the same will happen again. 

Please help me force Navient to allow me to enroll in this government mandated option.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I requested a {$5000.00} increase to my Bank of America visa card. I receive XXXX in retirement from XXXX XXXX, CA and XXXX in social security yearly. I have in excess of XXXX in an investment account at XXXX XXXX bank and just closed escrow on a home I owed without a mortgage for {$630000.00}. My husband has an investment account valued at somewhere over XXXX. 
This is banks and the credit reporting agencies using debts to deny credit and lower FICO scores while at the same time denying other bank assets. They falsely lower your FICO score to gain higher interest rates. To me this is racketeering!

Company public response: Company 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: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I called when having trouble paying my loan and was informed that my payments would be {$60.00} ; however, after consolidation my payments were double that.plus some. I tried again to get my payment reduced and the representative told me another figure which still was not {$60.00}. The interest rate I have been charged during my forbearance is astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 someone called my from the bank 's member service number claiming to be from the fraud department. This person gained access to my account and made unauthorized transactions on my account. I immediately called CHIME that day explaining what had happened they disabled my account until XX/XX/21 and I submitted my disputes for the payments that were unauthorized. The bank is telling me I have to wait until XX/XX/XXXX to maybe receive a provisional credit to my account. This is frustrating because Ive spoke with numerous representatives from chime who claimed that they were working on figuring out how scammers were using their number. It's been over a week and I am still fighting to get my money back and chime acts like they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Fraud or scam

Complaint:
I deposited a cashier 's check in Bank of America of amount XXXX. After 2 days of processing the amount was credited to me in the account. So I had to make a cash payment to the same person. But after giving the cash and after 5 days the bank says the check was fraud. 

If the check was fraud how can they credit the amount XXXX. The amount should be made available only when they have verified the check. I was under the impression that since the amount is cleared and credited in my account, the check is genuine. And after 5 days they verify it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: MO
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:
I enrolled in graduate school this past fall, and reached out to all my loan providers to confirm deferment of my monthly payments. After a few phone calls, everything was set. I went through all of the fall semester without issue. I randomly logged into my Navient account this past XXXX to check on my account, and I noticed a payment scheduled for XXXX. Totally clueless, I called them immediately to see what was going on. I was advised more than once ( on separate phone calls ) that the issues was related to the clearinghouse that confirms full-time enrollment. Navient advised that all I needed was to provide them with an enrollment verification, and everything would be fixed. Unfortunately, I was out of the country for part of my winter break, and in conjunction with the holidays, I could not get this to them prior to returning to school on XXXX XXXX. I called Navient again, and was told for the first time that I owed them interest-only payments during in-school deferment. This was the first I had heard of this. I asked for a manager. The manager ( XXXX ) was extremely rude and unhelpful. She told me I was not charged in XXXX by mistake, and was charged in XXXX. I was not charged in XXXX. I received no payment reminder emails during the month. The manager offered zero help in the way of mutually working some plan out. She advised me I could sign up to make 15 straight monthly payments, but having not planned to be making these payments during graduate school, I told her that I did n't know how I could start coming up with that money out of nowhere. Finally, her suggested solution, if you can call it that, was that I just refinance with someone else. I feel like I was misled and disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: National Credit Systems,Inc.
State: NV
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:
on XX/XX/XXXX I signed a rental agreement with the company XXXX XXXX, the next day the company gave the keys to another apartment completely different from the one I had agreed upon. For this reason, I opened a small claim process against the company that was ordered to reimburse me on XX/XX/XXXX. Acting in bad faith, the company included my data as a debt and has been harming my credit history for two years, I would like the company to correct your mistake and repair the damage caused by your own mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was solicited by Bank of America to transfer a balance with a a promotional 0 % on the transfer and purchases for 18 months. That is how it was presented per phone conversation XX/XX/2016. The very first purchase I made on top of the balance transfer was charged interest. When I called they said ONLY the balance t transfer was promotional. That was NOT how it was presen ted. I had a credit card with low interest rate. BOA has CSR that misrepresent. I called to make sure I asked all the right questions when I got their solicitation in mail. This is their MO. Since you NEVER know who you are talking to and where except today when I called to complain. I actually spoke to someone I could understand. Funny how that worked.

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 2020-04-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2020, my account with chase bank in XXXX closed my account with out warning and hold my funds. During this pandemic this should be illegal, considering that the stimulus check with be going to now a closed account. I was given no warning and now when i try to talk to customer service on 5 different occasions. I am on hold over 4 hours just to end up being hung up on. 
I cant get answers from my main branch either. I will not receive my stimulus payment now or it will take months. Like everyone else, this is the time I need my funds in my closed account and also the stimulus. Please help me figure this out with this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I entered my information for utility account freeze to protect my credit. However, after I entered the information online I did not receive a 10-digit pin that is required to unlock/change options and it just went ahead and froze my information. 

The company does not have an answering phone and there is no email address to get help. I followed their instructions, reluctantly because it required sending my personal information ( name, address, dob, ss #, and 2 identifying documents - electric bill and pay stub ). I sent this information on XX/XX/XXXX via US mail to : Exchange Service Center XXXX XXXX XXXX XXXX, GA XXXX I requested a 10-digit pin as well as requesting they unfreeze my information if they were able to do so. 

As of today, XX/XX/XXXX, I have not received a pin, have no idea if they received the information I sent, or if it is being processed. It has now been more than 2 months since I mailed my personal information. Because there isn't an answering phone number or email I am unable to follow-up to determine if they received it and the status. I just want my pin to cancel my relationship with NCTUE and unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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 AM A VICTIM OF IDENTITY THEFT. I DID NOT OPEN NOR AUTHORIZE ANYONE TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE DELETE FROM MY CREDIT REPORT. I HAVE ATTACHED A COPY OF A ID THEFT AFFADAVIT PACKET & POLICE REPORT. I HAVE ALREADY SENT THESE ITEMS TO THE CREDITORS OVER 35 DAYS AGO. TRANSUNION IS THE ONLY BUREAU TO NOT HAVE DELETED THESE ACCOUNTS YET.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CT
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:
Hi, I obtained my XXXX XXXX XXXX, and subsequently accrued over XXXX in student loan debt with XXXX/Navient as my servicer. I took out the loans in XX/XX/XXXX, and I graduated in XX/XX/XXXX. Immediately after graduating I was unemployed so I was not able to make the incredibley high payment of almost XXXX a month. XXXX/Navient pushed me into forbearance and offered me no other options. I had a difficult time making payments for a full year and they pushed me into a bigger hole with higher interest rates and more debt because of constant forbearance. Since, I have a good job and make decent money, but my payments are still almost XXXX a month. I am able to make my payments, but I am now a home owner with a baby on the way. Navient will not work with me in any way. I have noticed that even after paying my student loans on time, every month, for years, my student loan Balance is pretty much the same as it was in XX/XX/XXXX. It appears as if some of my payments were n't applied to their respective loans, and suddenly vanished, on several occasions as well. Navient is a bunch of crooks and I do not know what I can do at this point. I have tried to consolidate to other companies but I have been turned down. Probably because Navient ruined my credit, and I have had a XXXX XXXX to build it to a decent score. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: GA
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:
on or about XX/XX/22 I disputed an inquiry from a company called " XXXX XXXX  '' ( confirmation # XXXX & XXXX ) I have not authorized this company nor do I no who they are nor did I give permission to obtain my report! 
Within less that 24 hours Equifax came back with results that Inquiries are a " Matter of Fact ''. with no further information. 
On or about XX/XX/22 AND XX/XX/22 certified letters were sent to Equifax, pursuant Federal Law, requesting who verified this account, method of contact and all relative pertaining information be sent proving this was a legitimate inquiry, Equifax has not responded. 

This information has been sent to my attorneys at XXXX and XXXX XXXX ( for reveiw for possible Federal Law violations ). 

I suggest ALL parties govern theirselvs as I move forward with these findings

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When my initial payments began I was still in XXXX - I got the loan to study a XXXX at the University XXXX XXXX and XXXX. I 've been planning to build a life there since it was better than my home XXXX. At the time I could n't pay the monthly payments because my savings were low and I did not have a job despite numerous job applications. I 've had to use XXXX XXXX/Navient 's forebearance which has upped my monthly payments since interest accrued. They tell me that due to my Smart Option Loan, I can not apply for Interest or Monthly rate deduction, that I can only have it reduced if I go back to school or find a job. I am still in the process of that, day after day. My cosigner, my elderly grandfather, can not afford to pay forever. Simply put, I wish for them to cut my monthly payments in half, which would be a lot more manageable for me and my cosigner, so I could breathe easier whilst I search for a job. I have called them numerous times, explained my situation in detail, my lack of money, my time dealing with XXXX to stay in XXXX and since returning home, I 've been diligently trying to find a job, to no positives yet. While I can understand terms and conditions of what one signs, it seems irresponsible of a lender to not want to help a borrower when they make claims that they can or will do so.

Company response to consumer: Closed with explanation