BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I received a total of XXXX letters from Bank of America stating : " Your personal Checking/Savings acount ending in XXXX will be restricted in 21 days, and closed 30 days from the date of this notice. 

After careful review of your banking relationship, we 've made the decision to close your account above. We 're notifying you in advance so that you have an opportunity to make other banking arrangements. We apologize for any inconvenience this may cause. '' The letters go on to list 'What I need to do and What you need to know. ' It is dated XXXX XXXX, 2016 and I received it today, XXXX XXXX, 2016. It has a XXXX ID # and a phone number I can call with questions. The phone number is XXXX Monday through Friday from XXXX to XXXX Eastern. 

By the time I got the letter and called the number they were closed but allowed me to leave a detailed message and stated that they would not be able to tell me why my accounts are being closed and would not reconsider their decision. My husband had called earlier in the day when they should have been open and got the same recorded message I got. The message stated they would call us back. 

I have been a good and loyal customer of Bank of America for decades. I have a good amount of money ( preferred platinum customer ) in the bank, have a mortgage through the bank, and absolutely can not think of anything my husband or I have done wrong. I ca n't figure out what we could have possibly done for them to give us two weeks notice that our accounts are being closed. I 'm creeped out that they have come to some unknown conclusion about me that is so bad that they are severing our banking relationship. I have no way to defend myself. Please help me. I do n't know what else to do. 

Thank you,

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 2015-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reciving calls from XXXX, a company stating they are collecting a debt on behalf of MBNA. A credit card I paid and closed 15 years ago. MBNA is no longer in business and is not reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Documents were sent to Bank of America on XXXX XXXX, 2016 for a request for a modification review of the Making Home Affordable Program. 
When a call was placed to the Bank of America on XXXX/XXXX/2016, XXXX at BOA stated all docs were in and nothing need at this time. She also advised that the file was moving to underwriting for a decision. 
Another call was placed on XXXX/XXXX/2016 to BOA where a representative named XXXX XXXX proceeded to go over requested documents from XX/XX/XXXX. After she was advised that documents were sent in on XXXX XXXX, 2016, she stated that a review of those documents had not taken place yet. No documentation were sent about missing documents to complete a review. The documents have just sat in the possession of Bank of America with no action. 
Per the regulations of PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) 1024.41 Loss mitigation procedures. Per the regulations of Regulation X the lender is required to review the documentation as long as it is received 45 days or more before a foreclosure sale, a servicer shall : ( A ) Promptly upon receipt of a loss mitigation application, review the loss mitigation application to determine if the loss mitigation application is complete ; and ( B ) Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. 
They are not following the appropriate procedures of a loss mitigation review.

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: NC
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 was given a loan payment amount that was above what I could afford. I advised as to what I could pay and they would not accept it, rather they suggested that I either defer my payment or get the income based repayment plan which put my payment at XXXX which means that interest is compounding which will make it impossible to pay back. I cant afford to pay them back and they provided information that is hurting me more than helping me. I even inquired about lowering the interest rate and I was told that could not happen. I will be in debt until I die due to the unwillingness of this company to be honest about the way payments, and options and billing are handled. They manipulate us by telling us that there is no other option available. I have XXXX children at home, XXXX that will XXXX in 2 years, so I will be trying to pay for his education along with paying for mine which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Continental Finance Company, LLC
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
they had a hack into their credit card system, I was n't informed that my card and all the cards who got hacked would be of no use. I went to pay my credit card and it said my balance was XXXX dollars, I thought my husband had paid off the remaining debt, so I thought nothing of it only for me to see that I 'm getting calls from the creditor saying I was late etc and threatening to go after my credit rating. immediately I said my end of it and instead of apologizing they said well you 'll still have to pay the late fees however we wont charge for the over the phone payment and that they would be sending out my new credit card to the new address that I currently live at and that I should throw away the old credit card. so I wait and wait all the while making payments only for the new card to never arrive. 3 months of making payments without any access to my funds or online access then after this I very helpful supervisor saw me make a payment and asked me had I received my card, to which I replied no I had not. she was outraged she said none of your information here has been updated, and they have me down under the same info. so she mails out to me finally the new card only for it to only be activated by .... ( get this ) my old phone number which I had issued when I applied a number that I do n't have anymore I lost that along with the info as I relocated to tn from Michigan. as she goes to try and activate via phone she says its been put on here that you requested to not be phoned about your credit card XXXX I said what???? why would It say that I never asked for that so obviously I 'm being discriminated against by one of the supervisors there who at one point did give her name and its said to be XXXX, however this has just been draining, and more closer to emotional damage. as well as it can interfere with me being able to provide a good XXXX for my children. they once again gave me the same fax number that I had tried to call for 3 weeks in a row that remained ( busy ) ... .. I believe I 'm being discriminated because of my race, and my funds and my credit have been unjustly withheld from me. at this point I will try and do the fax number again, however ... .. I am tired of swimming against the stream of this corporate giant and its workers who think that they can just walk all over people and make life harder than it already is, I do n't know what else to do but to file a complaint. at this point it just seems useless. I remain hopeful that you and your company will be able to help remedy me of this problem thank you .the credit agency in question is continental finance and the card is the verve 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 explanation
Consumer complaint received 2015-08-20
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have completed a FHA home modification. It has taken nearly XXXX years and XXXX lenders to get everything completed, but it is finally complete. However, The initial lender that we began the process with, Bank of America, promised to remove the derogatory remarks from our credit reports for the length of the modification period. However, this still has not happened. I have disputed the information on our credit reports XXXX times now and gone directly to Bank of America. They sent me to my current lender, XXXX XXXX XXXX XXXX, who sent me back to Bank of America. This process has been a nightmare and the runaround I have received from Bank of America already caused my modification to stretch out from XXXX months to XXXX years. I managed to save my home. Now I just want our credit fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
We annually apply for Income Based Repayment with Navient and XXXX. Navient consistently does n't know what and when we have applied. They require us to re-apply two to three times as they can not seem to find the paperwork. For example, last week we re-submitted paperwork through the StudentLoans.gov website and XXXX had received and completed the paperwork in less than 48 hours. Navient on the otherhand, can not find it and claim we did n't send it, even though we have proof we did. It seems they purposefully miss or lose paperwork so we are forced to pay on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
group stalking used for illegal collection in a foreign country using XXXX party EM Harassment included Please see files for details

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 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Other than having my loan forbearance, or deferment, it would pretty much impossible for me to pay them off. The payment amounts are very high for a household of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
Bank of America solicits you for overdraft protection. Which costs me {$10.00} per month or so. Then, if Bank of America utilizes the overdraft protection from my savings to my checking account. They will charge me {$3.00} per transaction. So, they offer this service that we have to pay for and then they charge me to transfer the money. I have been charged for this service. How is this servicing the customers? This is ridiculous. We are losing money we do n't already have. This is a serious issue and I am not sure who all knows about this rip off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I feel as if I was over charged and constantly harrased with letter and phone call from Navient. Why was my loan even sold to another company I 'm still so Unsure of that also? Then the late fee 's and interest are just way to high this is not what I started off with when I had XXXX. I am on fixed income ssi every month there is no way I can afford these interest rates they are NOW applying on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
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 started school in 2007. I never took the XXXX exam like i was promised. But I graduated by XXXX in 2007. I was immediately told we can defer after graduating so I can find work in my field. The school did n't help me after that. I was on my own. I was kicked out of my home. Im still in deferment. I got a house to rent and was kicked out after my year. All my kids things were taken. I had to move in with friends again trying to save money. I got XXXX for the XXXX time. I put money down for a place and was scammed out of that money. Again im moving with friends with XXXX kids. I find out my son has XXXX and he needs special care. My oldest has been in and out of doctors trying to see whats wrong with her. Im a single mother of XXXX. I can not afford to pay my loans and pay for my apartment and bills. My kids come first. I miss a lot of days of work to take them to there appointments or my sons therapy appointments. He so far has XXXX therapists. Im XXXX and i need help. I wanted to buy a home so my sons therapists can come when i get out of work so they have a better place to see him instead of in school or a place they can grow but these student loans keep dragging me down. They have dragged my credit score to the dirt. I have never paid them a dime. I am always constantly asking for help but all i get are you have to apply for a deferment. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Eastern Revenue, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection company by the name of Eastern Revenue sent me this letter stating that I owe a debt for {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
have spoken with Green Tree Servicing on multiple occasions. They have advised me that I had missed the XX/XX/XXXX payment. I sent them all of our payment records for XX/XX/XXXX reflecting XXXX payments had in fact been made in XX/XX/XXXX. After filing a " Qualified Written Request '' for information, I received a letter stating the payment missing was from XX/XX/XXXX when we were in a chapter XXXX Bankruptcy. The information that was given by phone when I disputed a missed XX/XX/XXXX payment was not explained to be from XX/XX/XXXX. I would have corrected the payment immediately if they would have been honest about what the issue was. I will also be filing a complaint for their collection practices as they have contacted a family member on XXXX occasions. The most recent time was after they had been informed not to contact our son as he does not live with us nor is he a party to the transaction. 


I will make the payment that they state was missing from XX/XX/XXXX. I do n't know what the resolution is for them as they have given me false information regarding the debt over the phone and were very rude when I tried to explain that they payment in question was not missed in XX/XX/XXXX. A fair resolution would be for them to reimburse me for the payment that they state was missed and apply it to my account since they were not honest about what they were trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Ditech is refusing to review my modification packet. I summited twice and the first copy never maded they kept advising me to please wait a couple of day more until more documents get uploaded. Therefore I was forced to re-apply once again for a modification review. This is very upsetting because my house sales on XXXX/XXXX/2016. I have tried to work directly with Ditech however I feel they are just prolonging my case so my home can foreclose. I am in desperate need of assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company loan ( XXXX loan # XXXX ) was sold to ( green tree loan # XXXX ). XX/XX/XXXX. Which has now turned into Ditech XXXX # XXXX. 
They ( Green Tree/Ditech ) Claim that I missed a payment. I have not and sent them the proof a couple of times. And they still claim I missed one payment and are charging me late fees on top of the regular payments. I have ALL the bank statements and copies of checks to show that I paid every payment. As well as a Expense Detail Statement from XXXX XXXX showing they released {$1800.00} to Green Tree on XX/XX/XXXX. I need to know how to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
We were issued XXXX refund checks XX/XX/XXXX for interest over charges on credit cards issued by Chase Bank USA. The refund check was due to the SCRA program. We received a XXXX XX/XX/XXXX for the refund payments. We are now being forced to pay income taxes on money that was not income but money we had paid to Chase Bank USA for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Nelnet, Inc.
State: IN
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 took student loans out to help pay for college and my living expenses while attending college. Since I graduated, I have been on an income-based repayment plan. I have paid the amount due every month. My family has grown in size and it has been difficult to pay any more on my loans besides what was figured with the income-based plan. My loans have grown to almost {$20000.00} more then what I originally borrowed. I feel that this is extremely unfair because I was paying what has been expected of me. These loans have been in negative amortization almost the entire time I have been paying on them. I feel that this is predatory lending because I did not realize this would be allowed. I understood that I would have to pay back the amount I borrowed, plus some interest, but I thought that by making the payment that was expected of me that my loans would not grow this exponentially. I am so sick to think that I will owe so much more then I ever borrowed.

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 2017-01-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Application processing delay

Complaint:
I recently applied for a Chase XXXX XXXX card. In the contract, Chase stipulated that if a certain amount of money is spent within the first 90 days after account opening, then there will be a reward. This reward is XXXX of the primary factors that convinced me to apply for this card. 

However, what Chase does n't say is that " account opening '' means " the instant you are approved for the credit card ''. The 90 days begins ticking immediately, despite the fact that they have n't even sent a copy of my contract, the credit card, and I have no way to spend money. How is my account open if I do n't have a card or a number, and I ca n't spend money? 

I would argue that Chase should clarify in its contract that " account opening '' is actually " credit card approval '' and extend the rewards deadline until the date that the credit card is received in the mail or activated.

Company response to consumer: Closed with explanation