BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has not complied with or conducted pre-foreclosure outreach requirements. 
Before recording the NOD, servicer must provide the borrower with a written statement outlining documents borrower may request per CC XXXX ( XXXX ) ( XXXX ) ( XXXX ), contact borrower by phone or in person to explore foreclosure alternatives and to offer a subsequent meeting, which must occur within 14 days of meeting request per CC XXXX ( XXXX ) ( XXXX ). If above contact is unsuccessful then servicer must send a first class letter, attempt telephone contact on 3 different days and times, and finally send a certified letter with return receipt requested, giving HUD counseling information per CC XXXX ( XXXX ). 
Bank of America never provided me with a document as indicated above. While XXXX sent a letter to me prior to the recording of the defective and deficient NOD recorded XXXX XXXX, XXXX, XXXX was not the substituted trustee at that time making any contact by XXXX moot as it predates the XXXX XXXX, XXXX Substitution of Trustee signed by Bank of America Assistant Vice President XXXX XXXX XXXX. XXXX had no right, as a matter of law, to initiate the foreclosure process prior to the recording of the Substitution of Trustee. Equally important, I had no knowledge that XXXX acted with authority or as beneficiary trustee prior to receipt of a XXXX XXXX XXXX Recorders Office certified recorded copy of the XXXX XXXX, XXXX Substitution of Trustee naming XXXX as the beneficiary trustee which I have not received to date. Who the XXXX is XXXX to me prior to being notified? For all I knew XXXX was XXXX of those scam debt collectors since Bank of America already decided to park and stall the MHA HAMP TPP process and had placed a Cease and Desist tag and code on the home loan mortgage account back in XXXX XXXX. 
According to Bank of America letter of XXXX XXXX, XXXX, Bank of America only attempted to contact me twice. This attempted contact was via telephone from a telephone line that gives no indication that the caller is Bank of America ( the caller ID is blocked ). If Bank of America wants to claim pre-foreclosure requirements have been met, then start with identifying yourself as Bank of America beforehand when you call. Otherwise, how is one to know the bank is attempting to make contact?

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 2017-02-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I asked over the phone and in writing for the lowest payment plan and was not provided with the information that would have forgiven my loans under the public service grant. I have worked in public service for four years and because this was not processed I need to wait to have the loans forgiven four additional years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: XOOM CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent my parents a money transfer using Xoom, a XXXX Service on XX/XX/2023 at XXXX. Xoom tracking number : XXXX for {$6100.00}. So my parents can use it for their medical emergency. Xoom say it will be deposited in few minutes but it has been 5 days now without payment to my parents or refund back to me. 

On their website, it says Transfer Status : Final ( transaction completed ) Amount you will receive : XXXX XXXX Bank deposit to XXXX XXXX XXXX XXXX ( XXXX ) {$6100.00}. 

However, I dont see money in XXXX Account. They have been saying. We are investigating without giving me any timeline. Please help with my situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
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:
I have paid my XXXX XXXX private loans for years upon graduating. Recently, I had a baby and in order to work full-time, I had to arrange for daycare. This inevitably ate up any money I had at the end of the month on top of all my basic daily living expenses. 
I have been unable to pay my private student loans because they will not lower the payment amount and I can not afford to pay them {$300.00} a month for interest-only payments. They will not offer me any program and have actually bad-mouthed me on the phone in terms of my choices. I offered to pay them {$100.00} but they refuse to accept this even after I forebear the loans XXXX. Even with interest only payments, I will be paying these loans forever, I will never be able to finish paying them which only makes the future bleak.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I got paid and paid my bills over the veterns day holiday long weekend. When I checked my account on that Monday, it indicated that I was overdrawn. After reviewing the charges I noticed XXXX unauthorized charges at gas stations for a total of XXXX. I contacted the bank and they opened an investigation. They are trying to deny the claim. ( XXXX XXXX a small car and it takes less than {$25.00} to fill it up )

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 2017-02-12
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
In XXXX, there was confirmed identity theft using my State Employees Credit Union checking account with XXXX transactions of {$97.00}, {$69.00}, {$89.00}, and {$2.00}. All were resolved by the credit union. The amount for XXXX XXXX {$2.00} was identified by the credit union fraud prevention representative as a strategy to prepare for a larger withdrawal at some point in the future. I was told that it was identified and secured so it would not happen. I completed all credit union 's recommendations at that time. On XX/XX/2016, a transaction in the amount of {$1400.00} was drafted from the Credit Union checking account to XXXX XXXX. I did not notice the transaction at the time, as I was between employers and received my final payout from prior employer along with first paycheck for new employer. My concern at the time was my wife 's health, twice XXXX XX/XX/2016 along with XXXX Emergency Department visits. I also was caring for my XXXX son and one month into my new employer. I did not discover the fraudulant activity until XX/XX/2016 while completing federal income taxes. The State Employees Credit Union has refused to return the funds due to timeframe when reported, despite their error.

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 2015-06-10
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXPhone XXXXLoan no XXXX XXXX XXXX @ XXXX pm {$150000.00} was wired to Ocwen thru XXXX XXXX number XXXXFed reference no XXXXAs of XXXX XXXX they say they have no record of the pay off -- -- I have been called XXXX to XXXX times a day -- -- Threaten to be reported to the XXXXHave my credit reported late -- Harassed -- -- Yesterday I called and attempted to talk to a supervisor and got another person who said they ca n't do anything until its paid -- -Can not be connected to the dept that collects the money -- -I faxed copies of the wire transaction and pay off amount to them as wellPlease HelpXXXXXXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Complete Credit Solutions, Inc.
State: NC
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:
COMPLETE CREDIT SOLUTIONS XXXX In accordance with the Fair Credit Reporting act Complete Credit Solutions Account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2016-12-03
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:
In XXXX Bank of America gave us a line of credit. During the recession XXXX we started to draw funds from the line of credit. When the amount drawn totaled {$72000.00}, Bank of American withdrew the facilities and demanded payment of the balance. We were unable to meet the demand. XX/XX/XXXX, Bank of America obtain a Judgment of {$97000.00} against XXXX parties. On XXXX XXXX, XXXX we offered through the Bank attorney 's office to settle the judgment in full for {$40000.00}. We made the payment of {$40000.00} and received an acknowledgement that the payment was for full settlement. The Bank accepted the offer and instructed their attorney to draft settlement documents and the release of all parties. Two weeks later the bank reneged on the agreement. They stated they would change the terms for the agreement they had previously given their consent. 
They now will give partial release for only XXXX of the XXXX parties. We stated that they can not change the terms of an agreement after they had accepted {$40000.00} check for settlement. Nevertheless Bank of America proceeded to change the agreement and insisted that we sign a statement confirming that we had willingly and voluntarily accepted the violations to accept that partial release the bank again insisted that we sign a document require us to abandon all legal rights. We advised the bank through their attorney 's office that these documents were signed under duress. On XX/XX/XXXX Bank of America sent us a demand notice demanding {$66000.00} as final payment of the agreement they violated.

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 2016-08-01
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I filed Chapter XXXX in 2008 it was discharged on XXXX XXXX, 2008. Iberiabank continues to report negative information each time I dispute the information they change the closed date to the date of the current dispute. They can not report after the date of discharge. the account will remain derogatory indefinitely if they continue to illegally report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My orginal lender was XXXX XXXX then my loans were turned over to Navient at that point various changes occured. I have seen them listed multiple times on my credit report even after asking for a forbearance or deferement. Due to inconsistency and multiple inquires I have been turned down by lenders and my credit score has dropped significantly. the multiple loans for the same amount on the same day is very misleading Furthermore If I contact them as requested and make arrangements why do they still report days later as negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The present loan servicer claims they were not forwarded the verification I requested and to contact the prior servicer which was Bank of America. 
When I called Bank of America, I was given the file information I requested by telephone several times since XX/XX/XXXX. I asked to be sent written confirmation at least six times and told each time I would receive it in approximately two weeks. This is considerably longer and in months calculation waiting on the written confirmation from my file. I need the written confirmation for my own files. The request is a written confirmation of the permanent equity freeze on this account that applied to my Loan # XXXX XX/XX/XXXX there is a code number indicating the reason for the freeze.

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 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX I filed a complaint with this Agency against Bank of America. See Case No. XXXX. 

Bank of America responded to that Complaint stating it was no longer the service of the Mortgage Loan effective XXXX XXXX, XXXX, further stating those servicing rights had been transferred to XXXX Loan Servicing, ( " XXXX '' ). The problem is Bank of America filed a foreclosure case against me on XXXX XXXX, XXXX, months after it sold its servicing rights to the loan at issue to XXXX. 

I know this because on XXXX XXXX, XXXX, I filed a complaint against XXXX asking if and when it filed the foreclosure case, and three ( 3 ) times XXXX refused to respond to that question. See Case No. XXXX. Further, XXXX sent a representative to my home on XXXX XXXX, XXXX because XXXX had not heard from me. That representative informed me that XXXX had no knowledge of any pending foreclosure matter. XXXX sending a representative to my home was a clear indication in and of itself that XXXX had no knowledge of the foreclosure proceeding. 

XXXX stated it halted the foreclosure process on XXXX XXXX, XXXX. See XXXX, XXXX Response at p. XXXX. However the foreclosure attorney continues to proceed in court even after XXXX halted the process indicating Bank of America is still controlling the process, not XXXX. 

This is outright fraud. I demand an investigation as to why and how Bank of America filed a foreclosure case against me long after it sold its right to do so to another servicer. 
Thank you in advance for your assistance in this matter.

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 2016-01-04
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
General Revenue Corporation sent a letter dated on XX/XX/XXXX about an alleged debt I do not owe. In the XXXX paragraph they state that it is their second attempt to notify me of the debt yet they have never contacted me before nor have I ever heard of General Revenue Corporation until today XXXX/XXXX/XXXX when I received their letter. Nowhere on the letter does it say I can dispute the debt. Also there are XXXX different addresses listed on the bill in XXXX different towns out of XXXX different states. The average consumer would have absolutely no idea what address to send a dispute to. 

The letter claims that I owe for a loan where I have never taken a loan for whom they are claiming to collect for in their letter. 

Absolutely none of my rights are stated in their letter to me and the language used is to demand payment giving me no option to dispute anything regarding their false claims with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX  XXXX Visa XXXX Card was either " lost or stolen '' on XX/XX/2022. I immediately reported to VISA Fraud Hotline that my card was " lost or stolen '' XX/XX/2022. 

Leaving my neighborhood grocery store, XXXX XXXX XXXX XXXX XXXX XXXX I noticed my card was missing. From my XXXX I checked my Bank of America Bank account and VISA account and I reported the " four fraudulent charges '' made on my card XX/XX/2022. 

Charge # 1 : XXXX, 2022 in the amount of {$55.00} Gasoline/Fuel, " VISA Fraud Dispute Ref # XXXX '' Charge # 2 : XX/XX/2022 in the amount of {$29.00} Gasoline/Fuel, " VISA Fraud Dispute Ref # XXXX '' Charge # 3 : XX/XX/2022 in the amount of {$470.00} Groceries XXXX, " VISA Fraud Dispute Ref # XXXX '' Charge # 4 ; XX/XX/2022 in the amount of {$540.00} Groceries XXXX, " VISA Fraud Dispute Ref # XXXX '' I have spoken with several VISA reps. over the phone since my initial report of Lost or Stolen and four fraudulent charges. The VISA reps guaranteed me the matter would be investigated. Shortly after my report, phone conversations with VISA, all four charges were " reversed XX/XX/2022. '' My VISA account was credited the {$55.00}, {$29.00}, {$470.00} and {$540.00}. I have had no further communications, texts, eMails, letters, notifications on my BofA App account, or phone calls from VISA regarding this matter. 

The beginning of XX/XX/2022 my XXXX  XXXX Visa XXXX Card statement reported all four charges were again being charged to my account. Again I called VISA Fraud Hotline. Today, XX/XX/2022, I received a letter from VISA stating " ... WE'RE UNABLE TO APPROVE YOUR RECENT CLAIM. '' The letter continues, " Based on your account history, this charge is consistent with previous charges with this merchant. '' I shop weekly for groceries at this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all of my charge amounts, " history '' are under {$100.00}. I have NEVER done business with whatever gas station the charges were made at, so there is no record of a " history. '' ( I also show a continuous history of paying my VISA card charges in full, no late fees, nothing. I have been with BofA / VISA for years. ) I need your help, VISA is standing firm denying my claim. VISA is not supplying signatures from the four charges. XXXX is not helping either. Gas station??? 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: MA
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 was misled on more than one occasion regarding the initiation of my student loans and the forbearance of my student loans. There was nothing fair about either process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
RECEIVED A CHECK FROM MERRILL LYNCH, CASHED THE CHECK AND FOUND OUT CHECK IS BOGUS. I AM OUT OF {$2900.00} AND WANT MY MONEY. 

XXXX XXXX XXXX or 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 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
My wife and I make monthly automatic payments to our Bank of America credit card. Those payments are set on a schedule, and we overpay on the monthly amount due. In an effort to pay this credit card off in XXXX 2015, an electronic payment was made of {$4400.00} on a balance of {$4400.00}. At the time of the payment, I called BOA to obtain the pay-off balance, and complained that we were charged a late fee in XXXX for a payment received on XXXX XXXX, which was due on XXXX XXXX. I requested the late fee be removed due to confusion over the holiday. The XXXX statement showed a balance of {$70.00}, including a late fee for receipt of the {$4400.00} 2 days late. Again, I contacted BOA in late XXXX to complain about the late fees, and was told they were removed from my account. I paid the remaining {$35.00}. In applying for a mortgage loan, we were informed in late XXXX that BOA had reported our account delinquent, and that our credit rating was damaged for what appeared to be a negligible balance. We called to complain, and learned that another late fee was charged to the account as the balance was paid off. So, we owed only the late fee. During the process of complaining to get the credit delinquency removed from our account and the late fees removed, XXXX XXXX ( XXXX ) told me that BOA would reverse the late fees and update the credit bureaus by the first week of XXXX 2015. I requested a confirmation letter, which he said he would provide. Meanwhile, unknown to me, my wife paid the late fee charge. He contacted by via phone one week later to inform me that BOA refused to issue the letter, correct its credit reporting and refund and reverse the late fees. As it stands, in an effort to pay this credit card off over 4 months I have paid BOA all that is owed and more, and they willfully, intentionally and in bad faith harmed my credit rating, and this is after they agreed to correct the entire situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation