BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Tuesday, XXXX XXXX 2015 I deposited XXXX checks in my checking account at the Bank of America branch at XXXX XXXX XXXX XXXX in XXXX SC. XXXX check was for {$50.00} and the other was for {$200.00}, total amount being {$250.00}. The teller took the XXXX checks, verified my sifnature on the back of the checks, and then gave me a deposit receipt for {$250.00}. On Saturday, XXXX XXXX, I received a notice in the mail that they could n't find the check for {$200.00} and that amount was being deducted from my account. On Monday, XXXX XXXX, I stopped by the branch and spoke with the Branch Manager, XXXX XXXX XXXX. She passed me off to an assistant, XXXX XXXX. She called customer service while I was there and they confirmed that they can not find the check and told me the only recourse I have is to track down the person who wrote the check, have them put a stop payment on it, and send me another XXXX. 

Since I handed the checks to the teller and was issued a receipt, the lost check is an internal Bank of America error and I do n't see how this is my responsibility to track this down nor should I be penalized for their error. A credit of {$200.00} needs to be made back to my checking account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have tried unsuccessfully with Bank Of America ( BA ) to resolve this issue. 

I must have been online in my BA account ( I have BA checking and a credit card ) on XX/XX/2016. I was paying bills. I noticed that my BA credit card showed my minimum payment due for XX/XX/2016. I went ahead and set up a transfer from my checking account of more than enough to cover the minimum payment. MY BA checking account shows that money coming out on XX/XX/XXXX. My BA credit card statement shows that money being credited on XX/XX/XXXX. 

I was paying bills on the night of XX/XX/XXXX. I noticed my BA credit card was still showing the minimum payment due on XX/XX/XXXX. I called the number on my credit card and talked to a reprehensive at BA. She told me that she saw what happened and did not understand why it was not showing the payment due being paid. She noted my file. 

I was on my PC paying bills again on XX/XX/XXXX and decided to pay an additional payment, because I had charged more than I wanted to so far that month. When I got back on after XX/XX/XXXX, around XX/XX/XXXX, my BA account showed my account as past due. 

BA credit card is saying since I set up the transaction on XX/XX/XXXX, It was applied to my previous statement! How can that be when it shows coming out and going in on XX/XX/XXXX? BA has a XXXX system. 

I have called BA, sent a letter to BA credit card dept. and went into the local branch. All I get out of BA is tough luck that is our system and it ca n't be fixed. They will supposedly waive the late fee, but I have no idea how this will affect my credit. They want me to pay an additional payment. Is this any way to run a major bank?

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 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had an account with Bank of America, a pesonal and a business account. XXXX day i saw that my account didnt have any funds and after I went to the bank the told me that some checks were deposit in my stolen checks were deposited in my account and money withdawl, they told me that somebody had created an online account and requested a duplicated atm card, my card was used three times in XXXX. They told me the checks were deposit at the bank. When I told them that was not done by me, they kept telling me that is was nothing they could do and they took the money I did have to cover the fraudalent charges. I ask to see the videos from the bank, they refuse, I filed a complaint with the police department case No XXXX with officer XXXX, he started connducting investigation and he requested the bank copies of the video, the bank refused again, and the officer was obligated to obtain a production to produce from the court and a subpoena de bank, again once officer XXXX presented those documents, they refused to give him the bank video and continue to prolonge the process. in the menatime, the have my records as abuse of account, and I am not able to open any other account with any other institution. 
At this point I dont know what else to do, i need help. 
i believe this is an inside job, bank employees, since, to deposit a check and to make a withdawl you need to show indetification, also, the check that were deposit were stolen.

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 2016-07-19
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX I went to a XXXX to get help with my feet, starting in XXXX I called XXXX a week in an attempt to pay the debt. XXXX office never returned calls or messages. In XXXX XXXX XXXX, I received my first collection letter threatening to impose additional efforts. So XXXX XXXX, I walked into the doctor 's office and asked them if I can pay my bill. Doctors office said no, we do n't do that here, they took a message and a billing supervisor called to take " full payment '' {$550.00} as reflected on my bank statement. I also asked the Doctor 's office to resolve the issue with the collector. The billing supervisor and the doctor 's office promised to resolve the issue. XXXX XXXX I got another collection letter, so My husband called the collector and asked them to call and resolve an already paid debt. XXXX XXXX I received my 3rd letter and called collector personally to tell them it was paid. Message machine no one available. 

Given the doctor 's violations and the collector 's violations it would be helpful to get some assistance to resolve the 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 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am having a very difficult time with Bank of America. I am trying to avoid a foreclosure. The problem that I 'm having is I can not communicate with anyone from BofA to get any status or information on my modification review. When I call in and type in my loan number it goes to voicemail # XXXX. It 's does not seemed to be an assigned voicemail. When I leave a voicemail nobody calls back. I 've called several different departments and they say only the assigned rep can give me an update. I do n't know if there is an actual assigned rep. I 'm very concerned. It seems my file is lost in the dysfunctional BofA system.

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 2016-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX/XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from Delaware either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.

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
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Borrowed {$5000.00} for college and have been paying on the loan since XXXX and now in XXXX still owe {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Tried to open up an account with XXXX different banks but the banks wo n't let me

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 2016-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I have been sending money to XXXX to take care my mother who has XXXX XXXX via my sister 's account in XXXX. Recently, I have used Bank of America, first one on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and noticed OTHER FEES charged {$15.00}, {$15.00} and {$20.00} respectively on top of transfer fees {$45.00} each. My sister was able to get the document from XXXX Bank showing the actual amount each time it went thru and it was less deposited due to " OTHER FEES " as above. I asked Bank of America what is that for? It said Intermediary Bank Fee. I asked which intermediary Bank was it? It ca n't answer me. That was the answer from the " wire room specialist '' The XXXX statements showed It went straight from Bank of America to XXXX Bank minus OTHER FEE CHARGES every time, NO Name of other Bank i.e. third party bank showed.Why am I getting double dip from this big bank? It is WRONG. My friend used XXXX and no other fee charges with XXXX for wire transfer.

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 2017-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank ( Bank Of America ) debited my account over {$840.00} for a legal action taken against my account ( It was an old debt. ), and then debited {$120.00} service fee for the task of performing the debit. They had done so without any prior warnings. not even an alert which im enrolled to receive. So as I paid a couple of utility bills, I paused to check my checking balance. and was in total shock to see my balance was -XXXX I was over-drafted by {$35.00} and that was the over draft fee. The next few days I was heavily bombarded with returned payments along with the bank fees and more over draft fees. Which only added insult to my injury.

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 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Bank of America is reporting my balance incorrectly on my XXXX Credit Report. This error lowers my credit score and causes a denial of a student loan.

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 2016-06-03
Company: Navient Solutions, LLC.
State: FL
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 attended XXXX XXXX XXXX XXXX in XXXX XXXX, Fl for the XXXX program. The school ended up closing down due to Financial Aid Fraud and other unethical issues. I did not receive a diploma of completion from the school or any paperwork stating that I attended XXXX and I also paid a remaining balance of {$1100.00} to XXXX without knowing that the school was going through legal issues and closing down. I have loans totaling over {$16000.00} from a school that 's no longer around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My experience with Bank of America has been the worst experience I could have ever had. I have been put down, ignored, forgotten, hung up on, yelled at and much more. XXXX XXXX and assistant ignore my many voice messages and calls put aside my faxed paperwork and hang up on me on an everytime basis. I do not appreciate the disrespect I have been shown expecially when I have shown courtesy and understanding. My wishes are NEVER granted just told they are completely unreasonable, when they are in fact below satisfactory. I have asked politely and calm to speak to a superior and I get transfered to a team member of penny 's. I do n't appreciate the neglect and the inconvenience that bank of America has shown me. I will never forget the horrible experience I have had. If any person asks about bank of America I will passionately advise them to not bank with them. I can assure you that after hearing my testimony as to why not to bank with them, they too will not be banking with Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have tried requesting my cosigner to be released multiple times with no success. XXXX. I do n't want this to XXXX her in her last days nor do I want my loan to default at the time of.hwr death and to overshadow my mourning of her. Please help me I want to pay my loans monthly but I do n't want her to fear the loss of.her social security due to me being late on payments when/if that happens. I 'm begging for any help you can provide. My credit is horrible by the way so refinancing is really not an option

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is at it again, claiming that I have a past due amount, which is completely false. They received payment on XXXX XXXX, as acknowledged below, which was the last available on-time payment date ( i.e., last date to pay without have to pay a nominal late fee ). I remain convinced that B of A is systematically retaliating against me for keeping you apprised of their unethical business practices. 
Message from Bank of America : '' There has been recent activity to your account. 
A Home Equity Line of Credit payment was received on XXXX/XXXX/2015, in the amount of XXXX. 
Your next payment will be due on XXXX/XXXX/2015. " Despite having received the payment on time, they are showing me as past due, and are no doubt preparing to once again report false information to the credit-reporting agencies. 
Please help stop these shameless and despicable liars. Thank you, XXXX. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX : XX/XX/1982 To Whom This May Concern, Hope your day is well. Please remove my extended fraud alert from my Experian credit report. I was a mistake and I wish to have it removed. 

Thank You, 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 non-monetary relief
Consumer complaint received 2016-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have previously filed a complaint with your company. This is the reference number XXXX. My home equity account with Bank of America is XXXX. I missed your email notifying me of Bank of America 's response so I missed the opportunity to dispute its response. I did however begin working with XXXX XXXX, the person who sent the response and was assigned to be my case manager. I resubmitted all of the documentation to B of A, for at least the third time. In XXXX, he contacted me that underwriting was requesting information ( because I listed my wife as a partner on my company, they wanted her profit and loss statement, even though I had already given a profit and loss statement for the company showing no income to her, and had also given a statement to B of A about her total income for that year. ) I gave XXXX XXXX that info over the phone and he said he would check with underwriting. In late XXXX I was again knocked out of the program for not providing documents, in spite of my previous conversation with XXXX XXXX -- ( important note : the information underwriting requested could easily be ascertained from other documentation already in its possession. This unnecessary request fits B of A 's well documented bad behavior that resulted in the DOJ settlement ). I again contacted XXXX XXXX, he told me to send specific information, which I did within 24 hours ( I have to drive XXXX miles round trip to the nearest B of A or pay to fax from my computer -- something I have had to do numerous times in this process ). I have not had any more contact from B of A. I have contacted XXXX XXXX several times requesting an update and he has not returned my calls. 

I also want to again complain about not being included in the DOJ settlement. In the B of A response, they said that I was not eligible, yet they have refused to reveal what criteria they used to determine my eligibility. They simply say that if I had been eligible, I would have been contacted. What is certain is that I owed more than my house was worth when they began notifying homeowners about the DOJ settlement. 

I will also add that B of A 's actions have created a great hardship to me. My monthly payment is more than half of my income. I have been advised by lawyers to simply quit making payments, but I do not want to risk losing my home because I fell victim to B of A 's predatory loan practices.

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 2017-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/2017 I initiated a wire transfer with Bank of America to a XXXX bank. By the next day, I received a confirmation email saying transfer successful. By Monday XX/XX/2017, the funds had not reached the recipient. By Tuesday XX/XX/2017 I painstakingly initiated a recall on the lost funds. I was first told I would have to pay {$45.00} for BOA to locate the money that they lost themselves. This was then waived. It has been 3 weeks since this recall was initiated, I have had no contact from bank of america. I am now being told that if they can not find the money, they will not refund the money to me, that I will simply have lost {$3000.00}. This feels like theft, except that there is no one to report this robbery to!

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