BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from Bank of America. I started a fraud dispute with all 3 credit agencies and I reached out to Bank of America and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Would get charged overdraft fees when money was in the acct. Took 3 days for a check to deposit and cause me to have late fees on my bills.

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 2015-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
My mortgage loan is with Bank of America, who is my loan servicer. I am currently in the middle of a loan modification, due to under employment. I was offered a modification trial period offer in XXXX of 2015 thru XXXX 2015, of which I made my trail payments on time and without delay. I was told I would have a permanent modification shorthly there after, but if not to continue to make my payments. I have made payments through XXXX 2015, and then they tell me I do not qualify for the modification because of HAMP rules. I am not sure why they are telling me at the end of the trial period, and not before. Reason being, was because they said they could n't verify I was residing in the home being modified. I provided the bank proof of residency through my utility bill with XXXX, XXXX XXXX ( XXXX XXXX XXXX ). They then requested more financial data and requested I do another trial period to commence on XXXX 2015 through XXXX 2015, but increasing my payment amount by {$800.00} additional per month. They also inform me that my loan will be taken over by a new Servicer, not Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I live in New York XXXX and I have a Bank of America credit card which I used to book my travel XXXX, through XXXX Airways, online. 
To my surprise, I saw in my CC statement, that BoA has charged me XXXX Transaction fee even though the transaction was in XXXX XXXX as confirmed with XXXX Airways, and as stated in the invoice from XXXX Airways XXXX. I tried contacting the Bank through online chat, through calls and even walked over to the Bank. But the response from them was for me to check the Credit Card agreement which clearly states that the Bank would charge me a XXXX transaction fee. I however, kept repeating that this was not a XXXX transaction since the payment to XXXX Airways was in XXXX and not in XXXX. 
XXXX of their executives in the Claims department went on to say that because i was flying outside XXXX they consider it a XXXX transaction. Which does not make any sense to me. 
A XXXX transaction would be one where my Bank would have to pay to the vendor in a currency different from XXXX. That did not happen here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: CO
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 have always had big issues with XXXX XXXX and Navient offering XXXX '' at the rates that they do. I was sent offers and decided it was a good option at a time I did n't have funds to move, thinking that I could pay it off relatively quickly. I ended up taking out a {$13000.00} loan at 14 %! The bigger trick to it all is that it is a loan you ca n't refinance. I spent 3 years of XXXX struggling to keep up and having to do forbearance on other loans. I tried to refinance and it was n't an option. I ended up getting a lump sum loan from my wife after we married to pay this off. 

My biggest issues are that these are predatory practices .... aimed at targeting a population that they know is a safe loan ( meaning it should be a low interest rate ) but also know the burrowers ca n't pay off until 3-6 years have passed. Hiding in the inability to refinance these loans is a good business move for them but a shot against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I made a payment to a company but it was never received and bank of America refuses to give me my statement from that month to show the company I did payq

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: Navient Solutions, LLC.
State: TX
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:
The following statement cites and corresponds with a previous report filed against Navient Solutions , Inc. as of XXXX XXXX, 2016. The issues that will be addressed are in regards to the inaccuracies of Navient 's online account information, and the conflict of information and instruction to clientele between company representatives and paper documentation. 

Navient Solutions , Inc. is requiring three qualifying payments to be made in order to qualify for the Rate Reduction Program. " The Rate Reduction Program you were approved for requires three qualifying payments to be made before you are officially enrolled into the program. Your third qualifying payment is scheduled to post on XXXX XXXX, 2016. '' Recent phone calls from representative XXXX XXXX of the Collections Department of Navient Solutions , Inc. have instructed that these three qualifying payments are set to the amount of {$350.00}, with the program to be successfully initiated after the third qualifying payment, which was recently posted on XXXX XXXX, 2016. A phone call with XXXX XXXX at XXXX has confirmed that the third qualifying payment, as before, is the amount reflected in the Rate Reduction Program. Documentation also states that three qualifying payments are required before the Rate Reducton Program is scheduled to process, though no further information is stated to constitute or define the exact specifications qualifying payment. 

Conflict of interest is also revealed in the recent response made by Navient Solutions , Inc., in reference to to previous Case Number XXXX : " It is important to note that your enrollment into the Auto Pay Program is not set to begin until XXXX XXXX, 2016 when you have successfully completed enrollment into the Rate Reduction Program. The three qualifying payments you had set up over the phone on XXXX XXXX, 2016 for enrollment into the Rate Reduction Program are recurring payments and not payments initiated under the Auto Pay Program. '' This information does not provide clarification for the current conflict of the correct payment amount, which has been previously agreed by both parties to be set to {$350.00} for three qualifying payments. " You qualified for a reduced interest rate of 7.00 percent under the program, which would reduce your monthly payment from {$430.00} to {$350.00} under the program. The Rate Reduction Program requires three qualifying payments to be made for the modified payment amount before your loan is officially enrolled into the program. Your third qualifying payment is scheduled for XXXX XXXX, 2016. Assuming the payment clears, you will then officially be enrolled into the program retroactively, effective from the date you were initially approved for the program. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was not notified by the lender of the intent to foreclosure. I was not notified that there was a scheduled sale date. I was not notified of any alternatives to avoid foreclosure. I am currently in review for a loan modification as well as review through XXXX Georgia. My case manager assigned to my case did not inform me of the sale date. I learned of the sale date by being flooded with advertisements which indicated the sale date. I contacted the lender and the representative confirmed that there was a sale date and when I asked why I was not notified the representative stated that I was sent a notice back XX/XX/XXXX. However my loan was modified and bought current XX/XX/XXXX.Should n't I have received a new notification as well as other options available? Now they are refusing to postpone the sale date.

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 2016-03-01
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have already called 5 times today and once at XXXX ( which is out of the time limit warranted ). It becomes very frustrating and I 'm not able to answer when I 'm at work, yet they continue to call during those hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I would like to bring your attention to a serious issue I have with PayPal wires that first took place on the XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX ( XXXX XXXX XXXX, XXXX ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - the Scammer. 

The funds were transferred utilizing PayPals services in the total amount of XXXX CAD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX WAS PAID IN FULL THEY ARE STILL REPORTING I OWE {$4400.00} IT WAS PAID WHEN ACCOUNT WAS CLOSED

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 2017-06-12
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A QWR and NOE was faxed over  XXXX   XXXX    XXXX   and the lender has not responded. The sale is active while in review for a response to legal challenges. A loan modification packet will be submitted for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX was paid completely off on XX/XX/2020. The payment was made directly to XXXX from my insurance company. Equifax is allowing XXXX to report erroneous late payments to my credit file for XX/XX/2020 and XX/XX/2020. This account was paid in full on XXXX in the amount of {$18000.00}. There is no further payment due. There were also no late payments in XX/XX/2020 or XX/XX/2020. I have the documentation as I am not sure what is wrong with the data on this account through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Hello, This is XXXX XXXX, My previous name : XXXX XXXX I was Changed my name 2 Years ago with Court Name Change. 
I Changed All My information through this time with all my Banks Debit and Credits. 
But still not Changed with ( Experian Bureau Credit ), is so hard options to change. 
first time when I called more than 1 year they said by phone, we can not change until we seen all your credit cards reported this change, but the banks already changed, I waited all these times but no change. 
I called them again by XXXX XX/XX/2020 they said just fax it to us all your documents. 
then I sent by fax all my change name documents like SSN Card, and court name change, and my state driver licence, with cover letter to explain. 
after 5 days they updates my information with wrong info. they updates just my last name. 
And keep my old first name. right now when open my Experian account no credit history to see. my name is wrong. 
I tried to call again with 2 more times then I fax it again, with no changed or update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with XXXX XXXX XXXX XXXX Transunion XXXX and Consumer Financial Protection . During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished is inaccurate.

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 2020-08-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX ( XXXX XXXX XXXX, XXXX ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX ( XXXX XXXX XXXX, XXXX ). - the Scammers. 
The funds were transferred utilizing Coinbases services in the total amount of XXXX CAD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: AES/PHEAA
State: CA
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 graduated top of my class from the XXXX, XXXX XXXX XXXX XXXX, XXXX, 2012. I heard recently about the lawsuit against XXXX under Predatory loan coercion.from CFPB. The XXXX XXXX has been shut down. Even though they promised job placement in XXXX, I never received it through them. I 'm having a hard time making my loan payments because I do n't have a full-time XXXX job. I did get a delay in my XXXX payments, but now they are charging me more interest for this delay.which they did not stipulate I still owe over {$9000.00}. in loans through XXXX and XXXX loan programs. I started out owing over {$18000.00}. to XXXX so I have been earnest in in my responsibility to pay this debt. 
Is there anyway I can receive loan forgiveness or reduction from this lawsuit? I would like to know my options for a XXXX Discharge for XXXX misrepresentation of their job placement promises. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Fedloan is trying to collect for loans against me that have no master promissory notes. Years worth of loans they say I owe, but they have no records of promissory notes for. 

I 've repeatedly asked for documentation that those loans are actually mine, and they referred me to my school. The XXXX fifth time I made the request for documentation, they sent me a fraud packet. Fedloan said my only option is to declare fraud. 

I think they are trying to collect on loans that I never agreed to. I do n't know if it was the school that made the error, or Fedloan, but there are tens of thousands of dollars in loans I never signed promissory notes for, and I get nowhere when I try to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has hidden that the private loan it is trying to collect can be discharged via a private student loan discharge application. Background : Around 2012, the Borrower, ( XXXX XXXX ) was XXXX or XXXX with a XXXX. She wanted to attend a for-profit culinary school. The tuition was so high that her federal loans and grants did not cover it. The school said XXXX XXXX should take out a private loan. But neither she nor her mother had good credit. Subsequently, XXXX XXXX, a friend of the mother of XXXX XXXX, co-signed the private loan. 
Fast forward a few years. XXXX XXXX was unemployed for many months but eventually found employment driving a truck at the airport for which she earns {$11.00} an hour or about $ XXXX a year. XXXX XXXX has been having trouble paying her private student loan. Now that she is employed, she is willing to pay {$100.00} a month towards the loan. That is over 25 % of her discretionary income, as defined by the federal government in its income driven repayment plans. 
Navient is the servicer/collector calling the borrower on the her defaulted private loan ( which now amounts to {$19000.00}. ) Navient will not accept the {$100.00}. This is why. Navient has been calling both XXXX XXXX and the co-signer. But XXXX XXXX has XXXX and gets XXXX by the calls. XXXX XXXX is not in any position to pay the debt of XXXX XXXX as she is XXXX and unemployed. The husband of XXXX XXXX has informed Navient 's caller, a XXXX XXXX, that XXXX XXXX is very ill due to XXXX and that the calls are upsetting her. Rather than advise XXXX XXXX and her husband that the co-signer 's obligation can be forgiven due to her XXXX ( if she applies and qualifies ), the Navient caller has continued calling the co-signer, thereby increasing her distress. In turn, the husband and the Navient caller have been pressuring XXXX XXXX and her mother to make a lump sum payment of {$4000.00} to get XXXX XXXX off the loan. So XXXX are XXXX XXXX and her mother about the predicament and distress the loan has inflicted upon XXXX XXXX that they have asked a family friend to take an early withdrawal from her retirement account ( and incur a stiff penalty for doing so. ) However, the family friend can not do so due to earlier withdrawals already. Navient 's caller has been told this and still is using the distress of the co-signer as leverage to get the {$4000.00} lump sum payment. 
Several months into this ordeal, the borrower and her mother went to an elected official who in turn contacted a free lawyer. With the lawyer 's advice, the husband of XXXX XXXX asked Navient if she could file a XXXX application to get off the loan. The Navient representative, who knew all about the co-signer 's XXXX, said yes. When asked why the Navient representative had not told him earlier, no answer was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions 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:
On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from XXXX XXXX XXXXXXXX. I started a fraud dispute with all 3 credit agencies and I reached out to XXXX XXXX XXXXXXXX and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.

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 2020-08-06
Company: Bridgecrest Acceptance Corporation
State: TN
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:
Bridgecrest is the creditor for two ( 2 ) of my accounts pertaining too auto loans. Bridgecrest has failed to properly update the status of both my accounts to all three ( 3 ) credit agencies.

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