BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Bank of America late last week while reviewing an incentive offer for {$100.00} when XXXX {$250.00} deposits are made into the account. I chatted with a representative yesterday to confirm the offer was there but they said there was no offer on my account. The representative I chatted with while I opened my account last week confirmed it was there, so I do n't know who has the incorrect information. Want to get this resolved before it 's too late.

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 2016-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16, I went to Bank of America and made a deposit of {$4300.00}, at a teller station. I was given a receipt with an available balance of {$6400.00}. I then stopped at the ATM as I was leaving the branch and made a {$40.00} withdrawal, followed by an online transfer to another Bank of America customer in the amount of {$2500.00}. Bank of America is now claiming that I did not have sufficient funds in my account for the transfer and is using my overdraft protection and charging my BofA credit card in in the amount of {$500.00}. On XXXX/XXXX/16 I made another online transfer to another BofA customer for approx {$1800.00}, for which BofA is again claiming I didnt have sufficient funds for and is again charging my credit card for a subsequent {$100.00}. This Unfair as I was provided a receipt showing my available balance having sufficient funds for the XXXX transfers. BofA is attempting to increase my credit card balance by {$600.00} unfairly. They should not be allowed to clearly violate both UDAAP and Regulation CC by holding my funds for more than the law allows. Under Reg CC the funds need to be, at a min, available the next day. I have attached both the receipt i was provided and my online activity showing how BofA has processed my transactions. I attempted to call BofA, but they just reiterated what the activity is showing. I 'm sure BofA can look at the daily branch journal ( the deposit slips ), video cameras, to see i was in the branch and made a deposit. I want BofA to correct this error and fix their systems to prevent other unfortunate people from having to deal with this. What if someone does n't have OD protections - then they are hit with fees? How can BofA be allowed to get away with such CRIMINAL activity?

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 2016-12-01
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I wanted to cancel my XXXX business card last year around XXXX XXXX, 2015. I had placed most of my overhead for my small business for two years on that card. I had accrued XXXX membership points for using the card. I was told on the phone by one of their employees that I could cancel the card and still use my membership points. After the card was cancelled I went in to use the points but there were none to be used. I called them back and they said that I had voluntarily given up my card and so forfeited my points. After a long conversation telling them I was given the wrong information, they told me they reinstated my card and that my points were back in place. When I tried to use my points, they were not there. I was told that I voluntarily cancelled my card so I forfeited my points. I only did that because of the information they gave me on the phone. They have consistently told me that they value my business, but if they would listen to the conversations they recorded they would hear that I was given misinformation. Why would I cancel my card with that many points only to reinstate it again within 24 hours or so just to lose that many points? I just want the points back to use and then cancel the card, which was my intention in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
This account with hsbc still double report on my credit reports XXXX Is over 8 years that I made my last payment and they still reporting it. If they ca n't send me a debt validation then take this off my credit reports. And they have XXXX as their collection agency and they are reporting it too. It was paid in full to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
This was a private loan that was attained for school. The loan was initially a private student loan with XXXX XXXX. The loan was all of a sudden sold off to Navient. The amount of the loan was never confirmed. After the loan was transferred, Navient requested a full payment of a loan in the amount of over {$15000.00}. After speaking with customer service representatives on several occasions, it was determined that a payment amount of about {$600.00} would be needed, even though I was not working at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Express Aviation
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 am constantly being billed for a little over XXXX from a private loan company. I attended school for 17 days and I never received a transcript or credit transfer before they closed the school to students without days notice. I did not receive any money from this loan nor an education from this school. All money was dispersed to the school.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
REPORTING VIOLATION OF STATE AND FEDERAL LAW BY BANK OF AMERICA. Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA on XXXX XXXX, 2016, both with a phone call on that date, and a letter on that date, and they removed the charges, and sent us a letter dated XXXX XXXX, 2016, that " the fraud investigation '' " had been completed and closed, '' but some five months after the original charges the charge reappeared on XXXX XXXX, 2016. This is in violation of state and federal law. We are in California - both CA Civil Code sec. 1747.5 and the federal Fair Credit Billing Act, including 15 USC 1601, et. seq. and 15 USC 1666, provide that after BofA received notice on XXXX XXXX, 2016, of a billing error ( in this case an unauthorized use ) of the credit card, once two billing cycles ( or no later than ninety days ) have run, whichever comes first, the creditor is prohibited from reversing any corrections to the account related to the billing error brought to its attention. Two billing cycles after our reporting the fraud expired on XXXX XXXX, 2016, and even the maximum 90 day period ended XXXX XXXX, 2016. After BofA ruled in our favor on XXXX XXXX, 2016, and removed all charges, they were precluded by law from reinstating the charges on XXXX XXXX, 2016. 

Also, BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not ours. We FAXed to BofA Fraud Claims " Reconsideration '' department last week a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address we have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address we do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because we will not pay for unauthorized charges, never. BofA has violated state and federal law by reinstating these charges that they already removed, after the two billing cycle / 90 day statutory period.

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 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America Home Loans Collection division is harassing me for a second mortgage that was discharged in a bankruptcy on XXXX XXXX, XXXX. The house foreclosure papers were delivered to us on approximately, XXXX XXXX, XXXX. 
I have given Bank of America this information over and over again. Once I give them the information the calls stop for a day or two but then they start again. There are times they call 3 times a day. 
Sometimes I answer the phone and immediately hang up. Sometimes I ignore it. I do not owe them any money and have exhausted everything I know to do to make them stop harassing me, short of rehiring my bankruptcy lawyer, which I can not afford at this point. 
I hope you can help. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was recently notified that Countrywide/Bank of America Home Loans ( Account # : XXXX ) is now incorrectly reporting on my credit reports that my former residents at : XXXX XXXX XXXX XXXX XXXX CO XXXX was a foreclosure. Which is untrue and I was assured that if I took the short sale offer the information on my credit reports would not be deemed a foreclosure! I have always been concerned about this program that essentially forced us out of our home because Countrywide/Bank of America Home Loans would not consider us for a Loan Modification!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On my credit report I have a property that show ( date reported:XX/XX/XXXX under XXXX ). This property was under Bank of America in which I went delinquent with in XX/XX/XXXX. According to XXXX they purchased the property from Bank of America on XX/XX/XXXX. Nationstar comments on my credit report ( Foreclosure ). This XX/XX/XXXX was three year later, when it should have been done with Bank of America around XX/XX/XXXX or XX/XX/XXXX. Now it look like instead of me waiting 7 years to clear my credit it 's going to take 10 years which will be in XX/XX/XXXX. This is not only affection my credit report it is also affecting my daughter 's credit report.

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 2015-12-16
Company: MOHELA
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Mohela XXXX has called repeatedly. Finally, on XXXX XXXX, 2015, at XXXX XXXX they called and left a voice mail and I returned their call. They were trying to collect a debt from someone with the same last name. I gave what information I had and asked them not to call me again. Again on XXXX/XXXX/2015 at XXXX XXXX, they called and hung up when I answered. On XXXX XXXX, 2015, I phoned them at XXXX and requested that they refrain from calling me after XXXX XXXX and refrain from calling me at all in reference to the debt which I am not a party to. They informed me that they could do neither without receipt of a " cease and desist '' letter from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To Whom It May Concern : I am filing a complaint against Bank of America ( BOA ). 
I have had both Savings and Checking accounts with Bank of America since XX/XX/XXXX. After making some deposits into my accounts recently ( XX/XX/XXXX ), my accounts and ATM card had been frozen without any justification. When I went to the Bank, they could n't give me any justification or reasons as to why my accounts and ATM got frozen. 

Later, the bank issued a letter dated XX/XX/XXXX stated that they have made the decision to close my accounts and the balance will be mailed to me in a cashier 's check. 
I went back to the bank once again and demanded that I must know the reason as to what prompted the bank to come up with this decision. They would n't tell me anything and handed me a toll free number to contact. 

I called the toll free number ( XXXX ) many times and left several voice mails, but received no calls from the Bank authority. 

I received a cashier 's check with the balance that I had on my saving account dated XX/XX/XXXX. 

Finally, on XX/XX/XXXX, I received another letter from Bank of America stating that they have closed my account and remaining balance ( checking account ) wo n't be returned to me. 

I went back to the bank once again with the letter and asked why my remaining balance ( Checking account balance ) wo n't be returned ; the bank authority insisted that they have no information and asked me to call toll free number ( XXXX ). I obliged and called. Left voice mail once again and as of yet, I have not received any calls from the Bank of America. 

Please note that I had a significant amount in the checking account and as of yet, Bank of America has not returned my money that was left in the checking account. 

Bank of America also treated me as a customer very poorly. 

Attached please find some attachments that will help to determine how Bank of America dealt with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
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 get flexible payment options

Complaint:
When I first went to XXXX XXXX in XXXX, MA, they had told me how they would place me in a job in that field. I completed in XXXX with a XXXX. That never helped me in obtaining a secure employment in that field. I ended up working for temp angencies. Then I became XXXX in XXXX and have been out of work since. My loans were through Sally Mae. They have been taking money out of my benefits since XXXX. I 'm should be getting $ XXXX mth but I actually only receive $ XXXX mth. I 'm a single parent trying to find a way to get back to work but it has been hard with my XXXX. I also tried to go back to the XXXX XXXX for my XXXX because they told me that they were now accredited and I would be able to transfer credits to XXXX XXXX XXXX. I went for about two weeks and just could n't make it to classes because of my XXXX. When I went to tell them this and needed to drop out. I was told that I would still have to pay. I am barely making ends meet with the income that I receive, I do n't need these loans huvering over my head. Especially when I 'm trying to get my credit straight as well. I want my loans to be Discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I have spoken to XXXX people at Navient now over the past month. They tell you to not call back until about a week before your first payment is due in order to establish a payment plan. SO, one calls a week before to set up their payment plan and are given the amount. I watch my account online for it to reflect the amount and it does not. Not wanting to default on my first ever student loan payment, I pay the full amount. 
I then call back to Navient to try and set up my other loan payments only to finally find out that they will set up the payment plan BUT you have to make the first payment in full and THEN the Payment Plan will take effect on the next billing cycle. Is this not the point of a Payment Plan? You ca n't afford that payment as is! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Attended University of XXXX for two years. The university charges roughly XXXX a quarter. I requested loans through XXXX XXXX which is now bought out by Navient. Instead of charging interest on the whole amount, they charged each quarter as an individual loan and taxed 9 % interest on each. I also have a loan through XXXX XXXX XXXX 's which is not near as bad as XXXX XXXX. They allowed us to pay interest only payments but it still added up to XXXX just for interest. Now we are paying full amount of XXXX. We are XXXX military. My husband has been XXXX. His name is not on this loan but it greatly prohibits are finances and we are unable to visit family or live comfortably as a military family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I never opened a chace credit card in XX/XX/XXXX I 'm assuming someone else did with my information had a purse stolen back in XX/XX/XXXX from a bar ... This person stole everything I had in my purse from checks to my cellphone and all sorts of information ... just noticed the date on this knowing it was somthing I never did did n't have credit card at that time ... so idk what to do because it was n't me who applied or got a card at that time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
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:
When I became unemployed in late 2012, Navient first offered me forbearance and then later enrolled me in an interest-only plan. They led me to believe that my monthly payments would cover the amount of interest I was accruing and that my loans would essentially remain unchanged during this time. But I later found out that they were charging me more interest than what I was paying, so my loans continued to grow incrementally over time. I wanted to change plans, but they made it very difficult. I had to call them and provide a detailed financial picture of my household including how much I spent on food, electric, gas, etc ... per month. I ultimately decided it would be easier to refinance/consolidate the loans with another company, so I began working on that instead. In this time, Navient never offered me income-based repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
XXXX XXXX XXXX at Bankof America Corporate OFFICE Headquarters Bankof America XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX about i hadandaccountwiththeBank Account Number XXXX and Rrouting XXXX the Bank phone numberis XXXX XXXX XXXX theysaidtheBankaccountwasand XXXX XXXX XXXX XXXX/XXXXtosendbyXXXXonly {$75.00}, torecivers XXXX XXXX XXXX XXXXshesaidtheyhadDeposit XXXX} and i couldstartwithdraw XXXX/XXXX/15 i talk to bank of america atmyhomeandtheysaid i do not haveaccountwiththem andthatthis a scamtheyemai XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went in to my local wells fargo branch that is near my work on my lunch break to with draw money from a non-wells fargo account. I am a full time student and have a checking account run through my school where i receive my stundent loan refunds deposited too. Typically once my refunds are deposited i head over to wells fargo to withdraw the money and deposit the money into my wells fargo account because the bank from my school does not have any convenient atms and there are fees everytime i used the card. Well this was the first time i went to the wells fargo by my work and when i pulled up there was not a visable atm from the front. I went inside the banking center and asked the teller if there was an atm at this location and he confirmed there was one around the side. However the teller informed me that he could complete the transaction inside and i asked is it the same fees as the atm outside and he stated that they were. The teller then asked the associate next to him how to complete the transaction and the teller informed him to do a cash advance. I then asked are you sure the fees are the same as using the atm, the atm only charges me {$3.00} from my other bank and wells fargo charges {$2.00} because its a non wells fargo account. The teller reassured me they were the same. After the transaction was complete there was a {$17.00} charge on my account because the teller ran it as a cash advance. I went to the manager, the manager had the personal banker call my bank and my bank informed us theres nothing they can do. Its wells fargos fault for running it as a cash advance. I ended up being late back to work, the manager said he was going to call me and i have yet to be called. I was lied to, they wrongfully did a transaction that i did not authorize, and wells fargo stole {$17.00} from me. I asked the manager to either reverse the charge or reimburse me to fix the situation.

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