BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
A friend of mine is sending me money and he used a feature of sending money over phone using the Mobile banking feature of BANK Of America where one can send money using the mobile number. 
In my case on XXXX XXXX he initiated {$1.00} test transaction from the mobil banking from his mobile and i received a message from bank of america saying a friend has initiated a transaction and amount will be credited to my account. 
after which i he made XXXX more transaction totaling to XXXX $ and i received Message alerts for all the transaction. 
Now when i check my account i do not see the amount. I called Bank of america and they mentioned at the time of transfer i am not registered with my phone number but someone else is registerd ( maybe previous mobile ph number user ) so when my friend transferred money was taken from his account and was sent to the XXXX person. and currently Bank of america collected all the details and are in process of filing a claim. which if the XXXX person agrees they will refund the amount to my friend. 
If they do NOT agree, i dont get my money back and Bank is not taking liability for this amount.

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 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Payment was made XXXX XXXX, 2015 on Bank of America mortgage account # XXXX in the amount of {$2100.00} ( for a regular payment due of {$2000.00} + an additional principal payment of {$150.00} ), well within the 16 day grace period where a late fee is not charged. That payment cleared my checking account with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. 

However, reviewing my Bank of America mortgage statement for Bank of America mortgage account # XXXX, my {$2100.00} payment is noted as " {$2000.00} payment posted '', a {$51.00} late fee was charged, and the additional principal of {$150.00} was not noted. Why was I charged a late fee when my payment, for more than the regular monthly payment was made well within the grace period? 

This appears to be more of the same bad behavior Bank of America has become well known for, settling more than XXXX class action lawsuit, paying a huge penalty to settle each lawsuit. Please see the attachment showing the XXXX XXXX, 2015 {$2100.00} withdrawal from my checking account with XXXX XXXX XXXX XXXX XXXX " Bank of America/TYPE : Mortgage Co ; Bank of America ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been dealing with an issue with Navient fka XXXX XXXX for several years now. A private student loan was fraudulently obtained in my name by a former friend. I have told XXXX/Navient on numerous occassions that the loan was fraudulent and they refuse to remove me off of it. The loan was put into deferment, and came due in 2015. The harrassment has resumed ; they call me multiple times a day ( as many as 10 times ), send me threatening letters of legal action, and now have lumped the loan on my online account with my student loans. I have demonstrated to Navient that the loan was fraudulently obtained, I filed a police report, filed a lawsuit against the former friend and won judgement in the amount of the loan, yet Navient will not cooperate ; I have documentation of everything. The promissory note is clearly fraudulent, my information is incorrect, the salary is falsified, and the references used for me are not even people I know, they are relatives of the borrower. Please help me in this situation. I can be reached at XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for HAMP on my XXXX mortgage over a year ago. XXXX of my mortgages ( XXXX and XXXX ) are serviced by Bank of America. After completing my XXXX mortgage modification under the HAMP program, my point of contact told me I would then be submitted for the HAMP XXXX program for my XXXX mortgage. It has been over a year now that I have been submitting paperwork for my XXXX mortgage. Bank of America kept sending me confusing paperwork that said " Thank you for applying for assistance on your mortgage '' however, it had my XXXX mortgage loan number on it. They could not get it straight that I was applying for my XXXX mortgage. I finally had to hire an attorney who has been working on trying to get Bank of America to recognize we are not applying for a modification on my XXXX mortgage again. We are applying for the XXXX mortgage. For the past year the only response I have received from Bank of America are denials and now something called an " Extension Program ''. My attorney said they have never heard of this program. We have looked it up online and there is nothing regarding this program. My attorney has been calling Bank of America now for several months asking for an explanation of this program and no one at Bank of America can explain what it is. Today is the XXXX time my attorney has set up an appointment with the person assigned to this mortgage and they never call. The only explanation in the past that was ever given to me regarding this program is that " I just need to make the trial payments and take the offer ''. How can I take an offer for something that NO ONE knows what it is??? This is unreasonable and I am not willing to agree to something that has no explanation. I also do not understand how I can be approved for HAMP on my XXXX mortgage and then not qualify for HAMP XXXX on my XXXX mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX I Chase Sapphire card and I was reading the details but could not find the answer to a specific question that I wanted. Trusting their customer service personnel would provide me with the correct information I called them. They told me that the XXXX dollar travel credit offered with the card renewed based on calendar year. Since it was near the end of the year he explained it would be advantageous for me to sign up. I signed up because I was told I would get a XXXX credit for XXXX and a XXXX credit XXXX. After signing up and following all instructions I contacted them to inquire about the XXXX credit statement and was informed that I am only allowed the XXXX credit for XXXX because it renewed based on billing cycle. They proceed to explain it was my fault for simply trusting their employee and not validating it with the terms and conditions. The submitted a work case to review the recorded phone call. 1 week later a manager named XXXX on XXXX XXXX XXXX at XXXX central time called me. She informed me that she had validated the employee did in fact tell me the wrong information but I would not be provided the XXXX travel credit for XXXX. Chase deliberately misinformed me to get me to sign up, and then refused to honor what they offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Each and every time there is a returned check on my account and I am charged a insufficient funds me, I understand but this extended overdraft balance charge fee, which Bank of America calls a courtesy to their customers is wrong. They will take XXXX check returned and add a {$35.00} insufficient funds fee, then send it thru XXXX to XXXX times at the same amount for {$35.00} overdraft balance charge fee. Making the customer pay as much as {$140.00} for XXXX returned check.

Company public response: Company 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: KS
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 started XXXX XX/XX/1995 with a total loan amount of XXXX. It 's now been 19 years since I started repayment and I still owe XXXX because of first going into forbearance for as long as I could and now IBR or Income Based Repayment. My interest rate has never been allowed to be lowered and every year as my income goes up my payments go up. It is almost {$500.00} a month now and I 'm living paycheck to paycheck. My student loan is with Navient formerly XXXX XXXX. I feel that I 'll never repay this loan and it will end up coming out of my social security. I 'm XXXX now and I know it will never be paid off in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my Bank Of America Mortgage XXXX XXXX, they received the payment in XXXX. 
I used Certified mail and KNEW when received the payment. The check cleared mybank on XXXX XXXX, 2015. I received My Mortgage Statement for XXXX, saying my XXXX payment was not received. Although the check had cleared XXXX XXXX andI was late and had a {$35.00} late fee due. I just received a letter telling me my mortgage was TWO MONTHS late and I may be facing forclosure. My payment was received XXXX XXXX by Certified mail. 
I want a full investigation done and a Equity Analysis ... .all late fees dropped and if anything is negative on my CREDIT report I want it cleared ASAP..I also want to know WHO HOLDS THE NOTE to my Mortgage ... I want to know who OWNS this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I a Bank of America account for payments for unemployment benefits from the State of California. I have not been able to withdraw funds from this account because this bank has waited almost a month since my card expired on XX/XX/2016 to mail a new XXXX. Though the bank says one was mailed out on XX/XX/XXXX, it is still not here. Meanwhile, I have bills and other financial obligations. Though there is money in the account and I can login to the online account, I can not transfer the money, or withdraw it any other way, except to have it wired via XXXX XXXX, requiring me to pay a fee for the transfer. Since this is B of A 's fault, I should n't have to pay them anything.

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 2016-03-25
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Fax Number : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1972 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2016-01-12
Company: Midwest Recovery Systems
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed on all XXXX of my credit reports that there is a collection from XXXX that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been filling out paperwork for the Income-Based Repayment plan for Navient for 3 years. The first year I had filed for an IBR XX/XX/XXXX the process was relative easy and they processed it quickly although I was forced to declared forbearance during the process twice. This past year for XX/XX/XXXX-XX/XX/XXXX was an absolute nightmare. They failed to process my paperwork for roughly 4 months straight. I called nearly everyday to speak to a supervisor and they would only put my loans on forbearance. Every time. I was told over and over again that the paperwork was received and was being processed and I kept asking them how does it take so long to process it if you have had it for months. I was finally able to speak with someone competent and he was able to put through the IBR for me by just changing something in the computer. 

I did not know we had the opportunity to send in a complaint to a higher order, had i known this would have been reported ASAP. I thought I was just at mercy to my loan servicer. 

If something can be done in regards to all the interest I accrued due to FORCED forbearance that would be greatly appreciated. If anything I would like this to act as a complaint to fix the issues with this servicer so other people do n't have this issue. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Empire Resolutions Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX XXXX called my son, who is in the military and was XXXX and told my son there was an urgent legal matter and that he needed to speak with me. Once my son confirmed that I was his mother XXXX then proceeded to tell that I needed to contact him. 
Then XXXX gave the company name as empire recovery solutions @ XXXXI am not past due, have any outstanding debt or nothing delinquent for 7 years or more and believe this to be a scam. 
I have received multiple calls, all hours, any day of the week from this number but I do n't know anyone in New York so I do not answer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Ditech Financial LLC
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was paying my debt on time but paying extra. I wanted the extra to go toward the principle. Anyway they did that and that changed my next do date without me knowing. Then the calls started XXXX at night and after speaking to someone they called XXXX that morning. After paying XXXX the next morning.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
*** Ditech presented and charged us for an escrow deficiency that is greater than the actual money they paid out. *** From XXXX XXXX to XXXX XXXX, Ditech paid only {$1400.00} for taxes and insurance. *** Ditech 's XXXX XXXX, XXXX escrow analysis, attached, calculated a deficiency of {$2000.00}. ***Their calculation of the deficiency ( {$2000.00} ) is greater than their payout ( {$1400.00} ) by {$660.00}. *** How can our deficiency be greater than the money they actually paid out? ***Borrower 's XX/XX/XXXX escrow overage and payments covered Ditech 's XX/XX/XXXX disbursements ( all received by payees ). 
*** There is no lapse of insurance. *** There is no delinquency of taxes. ***Attached are borrower 's tax payments, Ditech 's XXXX XXXX and XX/XX/XXXX monthly statements, and XX/XX/XXXX insurance ( Ditech paid XX/XX/XXXX and XX/XX/XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We had a mortgage from XXXX after XXXX and XXXX XXXX XXXX and DITECH was our mortgage servicer. We applied to DITECH for a HARP refinance. They refused to give us the Harp interest rate and in fact denied our refinance because we would not agree to the conventional loan rate. We were very eligible for HARP. In fact we were successful refinancing with another mortgage lender. Perfect credit. Never late on payments. Ditech would also not refinance us VA even though I am a US veteran. Even at the conventional rate they refused our loan refinance due to a existing mobile home on the property. This is in addition to our single family dwelling.They said it was required by HARP that we remove the mobile home in order to get a refinance. The mobile home was a source of additional rental income. We spent XXXX dollars to have the mobile home demolished and they still would not give us any interest rate other than their conventional interest rates. DITECH IS THE MOST CRIMMINAL ABUSIVE COMPANY WE AND THOUSANDS OF OTHERS HAVE BEEN ABUSED BY. We want a ruling here on our rights to HARP refinancing vs. Ditech making their own rules in order to make it easier for them to sell our property in case of default. ( to get rid of the mobile home ) Also denial of refinancing according to HARP and VA guidelines. We feel there has been discrimination here of a US Veteran and senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgagor has asked for and received excessive amount for escrow of property taxes. The current escrow balance is over {$36000.00}. The property taxes for the year would be around {$10000.00}. We have called several times and asked for refunds. The current required monthly escrow being demanded for taxes is over {$2000.00} a month, which needs to be adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Bank of America credit card account was closed without prior notification/warning. I tried to use my card on Thursday, XXXX XXXX, 2015 and it was declined. I called Bank of America customer service, waited 38 minutes, and was transferred 4 times. The last person I spoke to proceeded to tell me that they were missing some information in regards to my citizenship, that they sent out a letter requesting this information and received no response, therefore my account was closed. I never received a letter, an email, a single phone call from the bank requesting this information. I had recently requested a credit line increase which was approved, about a couple of weeks prior to this. All of my payments have been made on time during these last ten years, and my balance was about 10 % of my credit limit. 
The solution offered was to re-run my credit to reinstate my account - which I declined since I never requested my account to be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Despite no request for a change in address, all correspondence is being sent solely to the borrower 's attorney. On XXXX XXXX, 2015, borrower 's attorney contacted GreenTree to request that all correspondence be sent to the borrower. The borrower herself made the same request to GreenTree the next day. On XXXX XXXX, 2015, the borrower 's attorney emailed GreenTree 's attorney in the foreclosure action, and made the same request. GreenTree 's attorney responded that he had raised the issue with his client and would follow up when they responded. Today, the borrower 's attorney received documents dated XXXX XXXX, 2015 once again solely addressed to the attorney. The borrower is distressed that she is not receiving any correspondence from GreenTree herself, despite our repeated requests. GreenTree should never cease correspondence with borrowers unless specifically requested by the borrower.

Company response to consumer: Closed with explanation