BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In XXXX Bank Of America bought my ( XXXX ) mortgages from Country Wide Home loan. Prior to this point in my life I had a great credit history. My score was a XXXX and I had numerous credit accounts and equity in properties. Bank of America took over my ( XXXX ) mortgages on XXXX XXXX, XXXX first payment to Bank of America. As of XXXX XXXX, XXXX ( 6 ) months later, they had My ( XXXX ) mortgages ( 9 ) months delinquent. XXXX consecutive, on XXXX XXXX on another, And XXXX on the XXXX. All of these payments were made on time, I have the proof. Receipts and checks they cashed. My credit score went from a XXXX to a XXXX and I lost all my credit accounts. I am a vet that owns a small XXXX, this was devastating to my lively hood and business. For the past 6 years I have been trying to recover from this XXXX error From Bank of America. I tried to refinance in XXXX but Bank of America had ( XXXX ) delinquencies on my accounts a XXXX credit score and nobody would even consider me. Since then I had to modify my house mortgage to get it out of foreclosure, They added over {$120000.00} to my mortgage and have to pay on it for 40 years XXXX. My investment, retirement property I owed {$62000.00} on in XXXX would have been paid off by XXXX. Now this is in foreclosure and going to be sold and the balance is {$150000.00}. After the modification of my house last year I built my credit score back up to a XXXX in the begin of XXXX. Then what a surprise Bank of America reports I am 3months 90 days delinquent on my mortgage. XXXX XXXX, XXXX XXXX, XXXX XXXX. Bank of America denied they made any reports to the credit bureau. My credit dropped back down to a XXXX. This is listed at the top of my report ( 90 days past due as of XXXX ). I just noticed Bank of America is checking my credit score monthly. This makes it clear to me that they are deliberately making these false reports to knock my credit score back down. I am currently trying to refinance my investment property ( For double what I owed on it ) to keep it from going to foreclosure sale. With a XXXX credit score this is nearly impossible, plus Bank of America constantly recording false delinquencies to the credit bureau. Consumer Financial Protection Bureau Director XXXX XXXX, states consumers should not be collateral damages in the mortgage transfer process. Mortgage companies have a legal obligation to protect comsumers during loan transfer between mortgage servicers. I have been paying for this transfer since XXXX when it was transferred. I will be paying for it for the rest of my life! This company is disgusting!!!!

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 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX, 2016 I made a payment to my credit card online. The balance amount was XXXX. My payment was {$100.00}. I checked my account on XXXX/XXXX/2016 to find the account overdrawn {$10000.00}. Bank of America debit my account for {$10000.00}. 
I called B of A customer service, was told they would submit the claim but it would take 2 to 5 business days. I asked to talk to a supervisor, he repeated the same words. Evidently it is a script they read from. XX/XX/2016 was a Thursday. Today Thursday XXXX XXXX, 2016, B of A still has my money. How can I get my money returned? Thank you for your help. 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 monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
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:
This report is in regards to Navient. Students who have loans in 'In School ' or 'No Payment Due ' status aka 'Deferment ', are unable to set up or continue making payments using the 'Auto Pay ' feature. In my specific case, I was between schools and decided to set up 'Auto Pay ' in order to keep up with the payments. Once I returned to school to pursue my XXXX degree, the automatic payments stopped without notice. I have called and emailed to gain clarification on why I can not set this up, but to me, it seems like it was created this way by design. I was advised to log in and make payments manually, which for students such as myself with a number of separate direct loans, is not an easy task. 

The website states : " In general, a loan that is not in active repayment status is ineligible for Auto Pay.This includes loans in deferment or forbearance, if you are in school or in grace, and loans that are already enrolled in Auto Pay by someone else, such as a cosigner or endorser. '' I can not feasibly see how this would do any justice for students trying to make even interest payments on their loans- which the website does not even list on the 'make a payment ' page.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I hold a checking account at XXXX california and have been with them for nearly 6 to 7 yrs. now suddenly they say that i hold keep a minimum balance of $ .XXXX/- all the time in my account. this was not the case when i opened the account. they charged me maintenance charges of $ .XXXX/ which on complaining was reversed. I am a XXXX with no income and my children deposit. money into my account when ever i need. I do not take ssi. hence there can not be any direct deposit. hence i feel that such compulsion of keeping balance mimimumm shoudl not be applied.

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 2016-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am disappointed in my credit card bank service. They held my bank payment for over a week before putting it on my account causing a hardship and didnt want to make it right. 

XXXX the manager in XXXX XXXX refused to make it right. XXXX XXXX was the manager. 

Bank America is the bank. Its a credit card.

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 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was part of the XXXX XXXX Debt collection process with my Mortgage Loan via BOA and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!

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 2015-05-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was told over the phone ( about 7 months ago ) by a representative that my private loans had a forbearance window of 36 months over the life of each loan. This turned out to be false, and only applies to my federal loans. This realization forced me to drop my teaching job in XXXX and return home immediately, effectively wiping my savings ( because I had to buy a plane ticket right away ). I am now currently unemployed because I needed to return home, because my XXXX salary could not or can not pay for the monthly loan payment. My loan payments, all private and federal, including Navient and XXXX, will now be $ XXXX in XXXX. Again, this amount would not have been affordable on my previous XXXX income ( $ XXXX ). 

I have asked several times for refinancing options on my private loans due to my unblemished payment schedule and my low income level but no options have been provided. I would like to payback my loans, but $ XXXX is too much for my income level. Please seek reason and offer me some refinancing options, or point me in the direction of a viable loan consolidation agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Senior discrimination at its worst. After forgetting my online login information for Citibank credit card account I called service number to have it unlocked. I used my granddaughters cell phone because the volume on my house phone is to low, because I called using her phone the costumer service rep put me on hold for almost 20 minutes to create a fraud notice on the account ( find this out about hour later ) after being transferred 3 times and left on hold over 30 minutes at one point trying to have my issue resolved. This caused extreme frustration called a different Citibank department to have the card shut down service rep became incorrigible why I became confused and asked them to speak up as I could not hear them well was placed on hold another 20 minutes and told they would not shut down my account and that no one at the company had the authorization to close an account. That seems ridiculous, considering calling a lawyer.

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 2015-05-19
Company: Navient Solutions, LLC.
State: IL
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:
The amount demanded far exceed what I can pay without being completely impoverish. The company refuses to be complient with my needs, therefore no payment plan is reached and no payments are made, driving up the debt exhorbitantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hard inquiry on my credit report on or about XXXX/XXXX/15. I was contacted by creditor XXXX XXXX about pending application that was fraudulent and they closed the account. I 've filed XXXX disputes with XXXX and Transunion and XXXX XXXX had submitted information on 3 different occasions. Each time I '' m contact back about the dispute I 'm informed that the inquiry is legitimate because they are looking at my actual account opened with XXXX XXXX, not the inquiry for the fraudulent account and refuses to remove the hard inquiry from my credit report. I 've also submitted documentation of the closed account due to fraud each time. I was informed the first document was not received and the second time I was told the inquiry was legitimate due to my active account. This process has been taking place for almost a year.

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 2017-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for mortgage assistance in XX/XX/2016. At that time I sent in all the documentation and since then have been waiting for a reply. On XX/XX/XXXX I received a notice of intent to accelerate my loan even though I was current. The bank has misapplied funds in more than one case and keeps on calling me late. 

It is very difficult to pay my mortgage. The bank has now given me bad credit by misapplying my payments and accelerating my mortgage.

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 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX I went to a Bank of America branch in XXXX, Oregon to order new checks from the bank manager XXXX XXXX. On XXXX XXXX I ran out checks and I still did not receive my new checks. I called the customer service to inquire, they said no checks were ordered on XXXX XXXX. I was disappointed and went to ask the manager why he did not order the checks and told him he lied to me. He insisted that he ordered them, we had an argument and suddenly he said " Do you want to hit me? We can settle this outside if you want! '' I was surprised a bank manager would threaten a customer. I ask him to give me the name and tel # of his superior, he angrily tossed a business card of XXXX XXXX, Senior Vice President, Operations Market Manager. I called this person and complained to him what kind of maltreatment I received from XXXX XXXX. He said he would call him and get back to me, he never called me back. I called another operations manager, XXXX XXXX XXXX and also complained to her, she also did not call me back. I believe they are covering up for their fellow co-worker. I have been a Bank of America customer since 1968 and I never experienced such humiliation and verbal abuse from a bank manager. This person definitely needs an anger management counseling. Contact info re : these bank officials : 1. XXXX XXXX, Financial Center XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX ; tel ( XXXX ) XXXX ext XXXX ; fax- ( XXXX ) XXXX ; email : XXXXXXXXXXXX 2. XXXX XXXX, Senior Vice President, Operations Market Manager,XXXX XXXX XXXX, XXXX XXXX , XXXX ; tel ( XXXX ) XXXX ; fax ( XXXX ) XXXX ; Cell ( XXXX ) XXXX : 3. XXXX XXXX XXXX, Senior Vice President, Operations Market Manager, XXXX XXXX XXXX, XXXX XXXX, XXXX ; tel ( XXXX ) XXXX ; email : XXXXXXXXXXXX

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 2016-03-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
For over a year I have tried to work with XXXX XXXX/Navient to take care of my student loans. I am unable to pay the exorbitant amount for my students loans. I 've filed paperwork to try and pay interest only, I 've used all forbearance, and do not plan on going back to school to further my loan debt. They refuse to help me out, even after multiple financial statements the most they could lower my bill is {$10.00} when my payments total {$450.00}. After my most recent attempt they have called no less than 7 times a day, this go around it 's been the last 5 days and counting. I 've answered the phone and asked them to stop continuing to call when I 'm trying to take care of my bill but they refuse to help. I 've tried to consolidate my loans to get away from them and they are n't able to be consolidated due to the type of loan ( from my understanding ). I 'm tired of the stress of constant calls and not being able to fully pay my bill but I am trying to make some sort of arrangements that they are not willing to accept. This is entirely unacceptable and I should be able to have options to pay my loans back without defaulting, since I am willing to pay something! I have a friend who is having the same issues and they told her since her credit cards are n't maxed out she can pay her bill?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I were victims of the XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments onXXXX turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I went to XXXX XXXX and told them I was interested in XXXX. They convinced me that the XXXX would be the best fit for me and get me the education I needed to become a XXXX/XXXX. I took out a federal loan for a little over {$2000.00} to cover the Dell Laptop they were providing and a private loan for over {$16000.00} to get me through the XXXX semester. I was NOT provided a syllabus before the loan papers were signed. I took it on trust that the agent representing me and getting me signed up knew what the program was and was taking care of me. I was XXXX years old and incredibly naive. Upon my first day of the XXXX semester I was given my syllabus. The XXXX semester consisted of basic courses that each XXXX required to complete. It was n't until halfway into the XXXX semester that I received a syllabus for classes for semester XXXX. Upon receiving the syllabus I immediately went to the web site ( Itt.EDU ) to figure out what the description for the XXXX was as the upcoming courses were completely centered around XXXX and XXXX XXXX. The website, low and behold, had undergone a drastic update and my CAMPUS in XXXX XXXX, AR showed they had the XXXX program available. Armed with my newfound information, I proceeded to visit the DEAN in her quarters. She DENIED that the XXXX was available at our campus and COULD NOT explain WHY I had been put in the XXXX for XXXX. I immediately withdrew HALF WAY through the XXXX semester. Since then I have had my wages garnished to completely cover the federal loan PLUS high interest, and now I am receiving upwards of 10 phone calls a DAY to retrieve {$18000.00} for the private loan. Not only am I being harassed, but the references listed by my co-signer are also being harassed despite numerous requests to remove them from their calling list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been a customer of Bank of America for twenty years. I have always paid my bills with them on time or before due date and in most cases more than the minimum due. 6 1/2 years ago my wife had to file for bankruptcy due to loss of job and excessive medical bills. She was a co-signer on our 2nd mortgage and LOC. I assumed total responsibility for the debt and have been paying without incident, always on time and more than what was due, online using my BOA checking account. 
The other day I signed on my BOA account to review my accounts to make payments and found that I could no longer access both 2nd mortgage and LOC. I received a message that I could no longer access those accounts of make payments because of a bankruptcy or discharge of such. I contacted BOA thinking that this was done in error and informed them that I never filed for bankruptcy and for 6 1/2 years I have paid on these accounts using my BOA checking online access without incident, never late. 
I was told that I could no longer do so and that I now would have to phone in my payment, use a paper statement or go to the local branch to make my payments. As a XXXX vet going to a local branch would be problematic and calling BOA on anything has been shown to be anything but easy. 
I have done nothing to warrant BOA actions. I have a flawless credit history with credit scores in the lower XXXX range and my history with BOA has been the same. BOA did n't loose a thing on my wife 's bankruptcy and for them to take such an action after 6 1/2 years of flawless payment history by me is just wrong. 
When I spoke to their bankruptcy department they said that their actions were done to protect me. How is blocking my access to my accounts to keep my flawless payment history from continuing, protecting me? I emailed the CEO requesting his assistance in this matter and of the date of this complaint I have not received any response. 
So again, I never filed bankruptcy, I have never been late and as a customer I would be the type of customer that most banks would like to have. I also have a BOA credit card and they just raised my limit to {$23000.00}. because of my credit history with them. Does any of this make any sense? BOA is without a doubt the worst bank I have ever dealt with.

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 2017-01-04
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was hospitalized after a XXXX accident. I had {$35000.00} worth of bills. At the time I had medicaid share of cost of {$300.00}. Being that my bills were way over {$300.00} my share of cost turned into full coverage. the hospital billed and got paid for all my bills but for whatever reason the hospital left out XXXX bill of {$1700.00}. I called the hospital many times and they said they would bill my insurance however they did not. It was than sent to central financial control a collection agency. I told the reps many time to please bill my insurance and each time they tell me they see the info in my notes but dont know why it was never billed. Months later I find out that they put the bills on all my XXXX credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation