BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Received XXXX from the following bank for which I have never had any borrowing business : Bank of America , N. A . 
XXXX XXXX XXXX XXXX, TX XXXX # XXXX Payer 's E.I.N. XXXX I have not had any credit card business, borrowing or etc., this is either a mistake, identity theft or fraud or intentional internal reporting to cover an internal fraud. Do n't know which. I have previously frozen my credit because of past identity borrowings. Turned this matter over my attorney, he says report this to your agency as bank refuses cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This letter is being sent to Jefferson Capital Systems , LLC in response to a negative collection placed on my XXXX and having received no XXXX notice. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This matter was already settled with XXXX XXXX and XXXX removed it from my credit report. See attached letters.

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 2016-08-02
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted Jefferson Capital systems LLC, several times to stop harrasing and falsely reporting an alleged debt with a company that I never did business with, XXXX. This issue was settled and dismissed years ago but they have continued to harrass and unlawfully report and list on my credit report time and time again, this was removed from my credit report they they continue to report it time and time again in the last 3 years, just constant harrazment. I have threatened to report them to the FTC for trying to collect on a zombie debt that passed all time limitations. They also when I have complained they have sold this debt to other collection agencies for collection and the harrazment continues thank you XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Nevient is my lender.. I have made many attempts with income base and still being to high to a level I am unable to pay. I never get notice to renew. They factor my overtime which I am not always guaranteed. This causes me to continually place my account in forbarnces. Customer service is never any help. I want to pay back however, they are not making it easy to do so causing my interest to increase. They also are not helpful with getting me enrolled into loan forgiveness as I work for civil service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America adjusted my mortgage payment amount, and failed to notify me of the change. Even though I made the payments on time, because it had adjusted upward, Bank of America applied none of the payments.This caused several late payments to appear on my credit, before I noticed them while checking my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I contacted 2 mortgage companies for a refinance. Bank of America was one. I chose to go with Bank of America because I have all of my finances through them, including retirement, and they were able to match the quote from the other bank I contacted. They took their time processing the documentation that was submitted, then all contact from them stopped and I was assigned a new loan officer without any notice. My closing documents were updated with a significant increase in closing costs, including points ( the original closing docs did not include points ). I reached out to the new officer via phone, and my previous loan officer asking about the change and asking for it to be reverted. They ignored me for some time and we missed the original closing date. Finally, after contacting them again several times, I finally heard back from my original loan officer and he assured me the the closing costs were accurate based on what I was paying for taxes, and that the points had been removed. I confirmed that the closing document had been updated again with the removal of the points, and proceeded with the closing. The closing documents were NOT updated again on the mortgage portal, yet the ones I signed included points. After closing I realized that the contract I had signed included points, and I contacted my loan officer. He explained that the closing documents had again changed after my conversation with him confirming that no points would be added. He explained that because the loan took so long to close they had to add points in order to keep my original locked in rate. I was constantly asking them what the problem was and there were not held up through anything from my side - the delay was entirely Bank of America 's fault, and I told the officer that I should not have been charged points when they did not notify me of the change prior to the closing date. They clearly pulled a bait and switch, hoping that I would not notice the original terms had changed. I submitted a review on their internal loan satisfaction survey and selected the option that requested Bank of America contact me to resolve the issue. That was several weeks ago and I still have not heard back from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01
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:
My account was suddenly stating that it was overdrawn $ -XXXX! I do n't know what is going on but I have n't used my card and I still have it in my possession

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 2016-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America willfully commit fraud by allowing their attorney XXXX XXXX XXXX XXXX, XXXX, with the XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX to issue an order to auction off property to satisfy a debt by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, knew that XXXX XXXX XXXX does not own the property to be auctioned off by the XXXX County Clerk of Court, to continued the fraud. 

It is illegal to sell a third party 's property to pay off a debt by for someone else. 

Please find attached a copy of the filing # XXXX E-Filed XXXX/XXXX/XXXX by Bank of America to auction off property by XXXX XXXX XXXX. 

The Foreclosure judgement was against XXXX XXXX XXXX, as per the Notice of Auction Sale. There was NO Judgement against the " XXXX XXXX '' The " XXXX XXXX '' was never a party to the foreclosure action Please find attached a copy of the XXXX County Property Appraiser of XXXX, FL., confirming that the property is owned and deeded to the " XXXX XXXX '' The XXXX County Property Appraiser of XXXX XXXX confirms that on XXXX/XXXX/XXXX in Book/Page XXXX a QUITCLAIM deed was executed and transferring ownership to the " XXXX XXXX '' Please find the tax record by the XXXX County Tax Collector , XXXX , FL. , that the property is taxed under the name of the " XXXX XXXX,. XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
CMRE contacted my work to get a hold of me and asked me if this is Blank. At work I ' am called a lot so they tricked me. I said yes thinking it was company calling about some issues work related. Then they said this is a attempt to collect a debt. If I read correctly they can not contact you on your work phone. 2nd they have been garnishing me for a year now. They 've been taking money out for a year and the amount they are suppose to take too is up to XXXX dollars to pay of the debt bill. But it 's past XXXX dollars and I 've tried contacting them and every time I call they said they ca n't provide a statement or do n't have the information on file. Please I can use some help.

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 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XX/XX/XXXX I was a victim of fraud to my checking account with Bank of America. I immediately contacted the bank to freeze and close my account ; the guy informed me he would open a claim for an investigation. But could not close the account until pending transactions were cleared, I assured him I had n't made any transaction and it was possible more fraud. After receiving the letter from the bank stating that the claim was in my favor I contacted the claims department again. They assured me that the account still pending transactions and not to worry once cleared the account would be closed. I then went to open another account with the personal banker, explaining the situation to her. A few weeks later I returned to the bank and was informed by that personal banker that the old account was still open, I was angry so she and I reached out to the claims department. Only to get an attitude from a lady who told me oh well it 's my fought and there is nothing she can do for me, so the banker tried to get the lady supervisor name she refused to give the information. After 30 minutes of getting nowhere we decided to end the call and the banker said she would forward the situation to her superior and she 'd contact me. Never heard back from her, a few weeks later the fraudulent charges were now transferred into my new account. Discouraged on how the claims department treats their colleague and customers, I felt another attempt to call would be a waste of time and energy. I then cut the card up and ended my relationship with the bank! It 's now XX/XX/XXXX and I was informed by another bank I had negative activity on my XXXX report. I filed a claim, only for them to tell me that BANK OF AMERICA says the information is accurate on my report! So XXXX fraudulent account that was never took care of, turns into XXXX negative accounts on my report. This treatment is unfair to the customers and I 'm sure against the law and I DESERVE JUSTICE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/2016 I was charged XXXX {$35.00} fees for XXXX bounced checks. The checks were or {$5.00}, {$10.00}, {$10.00}, and {$50.00}. I called to see if they could assist on removing the XXXX smaller ones, those XXXX checks do not even total XXXX of the XXXX overdraft fees. i was advised they could remove XXXX. I asked to speak to a supervisor, I asked him the same question and was advised if it was a bank issue he could refund all of them but due to it being my bookkeeping issue there was nothing he could do about it. The man was hastly and unconcerned about the situation.

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 2016-08-20
Company: CMRE Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my bill in XXXX and CMRE FINANCIAL with address XXXX, CA XXXX with phone number XXXX recorded as delinquent until last week. This was affecting negatively my credit score for years.

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 2015-08-25
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:
I made a truck payment on a Friday and everything was fine I even put extra money into my account to cover everything. I account was showing positive and as well as Tuesday morning even. Then I get hit with a XXXX dollar overdraft fees. I called customer service and he told me that the online banking can give false readings on weekends and is n't accurate. I was very upset cause I worked hard to keep everything positive and then they just blind sided me with these bogus fees. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I recently sold my home and had to pay a {$500.00} escrow because I have no proof that a prior mortgage has been paid off. So now I can not get my {$500.00} back. I have spent hours on the phone with Bank of America and gotten nowhere ; mostly just listening to hold music and getting disconnected

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: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX and XXXX quarters of XX/XX/XXXX and the entire XX/XX/XXXX year I experienced financial hardships. Me and my wife lost our jobs, had a vehicle repossessed, got behind {$3400.00} on rent, and lost health insurance to name a few hardships. I made Navient aware of my financial situation and they were unwilling to work with you to lower my payment despite the fact that I was below poverty level. I even enrolled at an online school just to dodge Navient and that turned out to be a mistake because I consequently inherited more debt. 
I understand my obligation I just wish Navient was easier to deal with and more understanding towards poverty stricken customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing a complaint towards Vanderbilt Mortgage. I loss my husband in XX/XX/2017 and I struggled making my home payment because I had lost my husband income. I had life insurance money so I exhausted all of my funds paying a XXXX payment. I reached out to Vanderbilt for loss mitigation and they denied me. I went through a third party to put together a budget saying what would a resonable amount for me to afford with this home and they still said I could afford home. I have reached out to Vanderbilt several times for help. I have filed ch XXXX bankruptcy and went through a lawyer office to go through loan modification and denied loan modification and they are still saying I can afford the XXXX payment plus my bankruptcy payment plus other bills. I even wrote a hardship letter saying what I could afford. I have a 9.31 % rate and that is predatory lending. This is not the first time I have heard how Vanderbilt rips their customers off and throws people out of their homes without helping them stay in them. The government gives out funds to help with situations like this so where is VMF doing with the federal funds to the the customers that are really in need. I have even changed jobs so that I can show that by lowering my payment that I wouldnt get behind again. They are not willing to help their customers stay in the homes and they need to be investigated. They are a hard bank to deal with.

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 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I consolidated with Bank of America credit card. Due to the nature of XXXX of my loans ( it was a line of credit with my bank ), the consolidation was split into a regular credit card balance transfer and a cash advance. I now have two different % rates, and I can not pay the higher one off first. They are using a law meant to protect consumers against me. The promotional rate has long expired, so now I 'm stuck paying down a loan where the interest rate is killing me, and I ca n't choose to pay the higher one off first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: FL
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:
I have several loans with Navient. I always pay more than the minimum fee to take off more of the principal. Now looking at my account history for each of my loans, there are many instances where more interest was being paid than the principal. In fact ONLY interest was being paid on some of them for a period of time. After speaking with someone on the phone the amount of interest I have been accruing I believe is on a loan amount higher than it should be. She also advised me that my " account history '' was incorrect and that I needed to look at Account transaction history, which also did not appear correct based on the information she was giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for my IBR recertification via XXXX and Navient XXXX of my lenders rejected my application stating that I needed to provide pay stubs instead of my tax return from last year ( which I had provided ). I refused to give my pay stubs because 1 ) I am permitted to provide my tax return for recertification and 2 ) last year when I provided two weekly pay stubs at their request they said my income was double what it actually was and calculated my payments accordingly despite the fact that the pay stubs clearly stated they were from two different weeks. I resubmitted my recertification application but am concerned they will just reject again for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
my name is XXXX XXXX, my business address is XXXX, florida XXXX, I have an XXXX, on XXXX XXXX, I open a commercial account on bank of America, a week later they close the account with a positive balance of XXXX $ with ought any explanation and refer my account to a risk department, when I call to the phone number that they give me XXXX, they talk me that they will sent me a check with my money, I never receive any check, when I call in several occasion they said that the check was return to them, I was very surprise because I am in the same location for more than XXXX years, so on XXXX XXXX they said to me that they will recent the check to my house, XXXX florida XXXX, again I do n't have nothing in my mail. The only I receive is a bank statement with a XXXX $ balance and withdraw from bank of America of the remainder balance of {$2000.00},. the time past and past today is XXXX XXXX 2015. also I went to XXXX of the location of bank America, and XXXX of the employee, that call the risk department on XXXX XXXX, that now I have to wait XXXX months, and if I like or not I have to wait. I ca n't believe that even do a bank can close an account with out any notification they cant take my money that was money for the salary of our employees, I need my money as soon as possible and really I hope that you can help me with this issue.

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