BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
The is was a Private Student loan I got when I was attending XXXX XXXX in XXXX back in 2007. I had to drop out of school due to me losing my job and trying to stay afloat and provide for my family. My financial situation got so bad I had to file chapter XXXX bankruptcy.. At the time that Private Student loan was with XXXX XXXX XXXX Once the bankruptcy was clear I started to pay them back month but XXXX XXXX was still reporting negative things on my credit report preventing my credit to rebuild and I was unable to go back to school.. I made countless attempts for them to stop reporting negatively while I was still paying but the negative reports continued. Since I was n't getting anywhere with XXXX XXXX I decided to give up. Since then the account was taking over by a company called Navient once this happen I started to get nasty phone calls from collection companies threatening to garnish my wages. I let them know I can not afford to pay them monthly due to me living pay check to pay check. I also let them know I do n't have any money to settle this account. Once Navient took over the account they reopen the account on my credit report started to report delinquent every month and now they are placing this account as a open Collections account. I had to relocate for work so I can continue to make money but I 'm getting hunted with this in my new state. I can not even get a place to live I have to stay with friends and family..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am an XXXX of the XXXX. I have been unfortunately been receiving credit card offers since graduation from Bank of America under the guise of XXXX. I consider these mailings to be predatory in nature, but unfortunately the CARD act seems to allow them. They do require the XXXX to post details about its financial compensation on their website, while they do have an informational page that essentially amounts to advertising, the link they provide to the disclosure simply leads to a credit card application through Bank of America, this seems to be a clear violation of the CARD act. ( XXXX ) - website

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 2016-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Other fee

Complaint:
Prior to XXXX XXXX, 2016, I had a balance of {$11000.00} on my BOA XXXX credit card. 
On XXXX XXXX, 2016, I paid BOA {$11000.00} to clear my balance to XXXX. 
On XXXX XXXX, 2016, BOA charged me {$84.00} in interest. 
I object to this {$84.00} because my balance was XXXX out eight days prior to this charge.

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 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Dispute of unauthorized credit card charges : On or about XX/XX/2016 I noticed unusual activity with my Bank of AMerica credit card ending in XXXX. Therefore, I immediately contacted B. of America and reported approx {$1200.00} of unauthorized charges. I proved Bank of America with as much information as I had and answered every one of their questions, On XX/XX/2016 I received all follow-up letter ( see attached ) requesting " additional information '' without providing that additional information in writing. Since I have family members in law enforcement, one thing I know is at all times have records documented so they can not be misconstrued and always make sure both sides have access to these records. Bank of America seems to demand a taped verbal conversation whereas, they obtain the only copy. However, I have read the complaints all over the internet that Bank of America refuses to be transparent and manipulative. Therefore, i have requested all correspondence in writing to avoid confusion. 
Below is the email i forwarded to Bank of America using their own and securely touted messaging platform. 
I have maintained a flawless credit history, never ever missing a payment in over 40 years and can not take an chances of this issue being reported inaccurately, as I am in the process of purchasing a new home sometime in the next few months. 
Additionally, Bank of America attempts to force me to download Adobe in order to view certain documents. I refuse to download adobe as they have a horrible track record of being breached or having viruses attached to downloads. As I have been a victim in the past. 
" Hi, RE : closed account ending in XXXX In response to a letter dated XX/XX/2016, which I received today ( XX/XX/2016 ), from the " Fraud and Claims '' dept. The letter is asking for additional information regarding my fraud claim. I am requesting all correspondence with respect to my fraud claim be done in writing via email or USPS. This will insure a proper and accurate record, which I am sure Bank of America supports. Verbal communications can be misinterpreted and lacks the transparency of both sides maintaining proper records. My email address is on file or you can reach me through your SECURE messaging platform. I will be happy to answer as best i can any additional questions. 
XXXX, 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 explanation
Consumer complaint received 2017-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank of America , National Association Successor by Merger to BAC Home Loans Servicing FKA Countrywide Home Loans Servicing, LP ( " Bank of America '' ) has never prepared for the last XXXX years in recordable form an assignment of the mortgage from Bank of America to XXXX trade name XXXX ( " XXXX '' ) in the XXXX, State of Hawai'i, yet has, and continues to convey in all of Bank of America 's letters, court documents, notices, motions, and correspondents for countless years that Bank of America is the debt collector, the servicer, the investor, the creditor, the mortgagee, the lender, the note holder simultaneously for many, many years, but has never prepared in recordable form an assignment of mortgage from Bank of America to XXXX in the XXXX, State of Hawai'i for XXXX years. 
Go to Attachment. 
It is obviously to late now for Bank of America to address, cure, and remedy this XXXX that 's spread for the last XXXX years! 
There is also years, and years of tangible facts, and substantial evidence these countless fraudulent, and sick deceptive practices continues to plague the land records of every Municipality/County, State, and the United States 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 explanation
Consumer complaint received 2016-10-18
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My Home Equity Line Payment increased by 3x XX/XX/2016. It is currently past due because I am not able to handle that kind of payment shock. I am almost certain that early in the life of the loan, I took advantage of an offer to convert to a fixed rate for the life of the loan to avoid this issue but I can not find proof of that at this point. I would like to work something out with Chase but they have made it impossible to communicate with them either online ( account access is blocked ) or by phone ( see below ). 
I have attempted to reach out to Chase by phone but they are unwilling to speak to me because they seem to not be able to verify/authenticate who I am because I am unable to answer XXXX random public records questions to their satisfaction. Further, they have NEVER attempted to call me to speak about the matter. I noticed on my limited profile I could access on their website that they have an outdated home phone number and email address for me. I have tried updating that information but am unable to do so because again, they can not authenticate who I am by these random questions. So, this is a vicious circle and I am getting a complete lack of help from Chase to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was pressured into repaying student loans that were in a grace period. At the time I should have started the repayment, I was already starting to fall behind. Now my credit report shows late payments that should have never been payments and XXXX says I only get XXXX grace period for my lifetime. This is convenient for them to say when I have an issue with my XXXX grace period that took place nearly 10 years after the XXXX. I have request documents from 2005 but they have not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Navient Solutions, LLC.
State: NM
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 am on the Pay As You Earn plan. It caps my payment at 10 % of discretionary income. Today, Navient informed me I now owe over {$300.00} per month. This would mean I have discretionary income of over {$3000.00} per month which is absolutely not true. They are not properly processing me through the plan and this should be investigated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX/XXXX/XXXX I received a copy of my updated Experian Credit Report. In that report Experian re-posted Inquires that in a previous credit report sent to me by Experian dated XXXX/XXXX/XXXX informed me that a numerous of inquires that I have been disputing since XX/XX/XXXXhave been deleted. The following are the items that were deleted and now reflecting back on my Experian Credit Report having an extreme negative impact on my credit report and credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX ALLY FINANCIAL XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Please Note : I am unable to attach the documents at this time but the documents can be supplied at your request via fax.

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 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016 Bank of America closed out my credit card account and re-opened it within a short time frame, causing an unauthorized hard inquiry on my credit report. I do not know why my account was closed out/re-opened, but have heard that some banks have done this to force interaction with bank staff so they can promote other products. I 've notified Bank of America staff multiple times, they have stonewalled me with form letter legal disclaimers and no explanation. 

As a result of Bank of America 's actions, there is an unauthorized hard inquiry on my credit report. I did not seek credit from BofA, nor did I authorize this credit inquiry.

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 2016-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The last paperwork that I received from Bank of America said that I was XXXX month behind on my mortgage. I agree. This was in XX/XX/XXXX They sold my mortgage to XXXX and then all of a sudden I was XXXX months behind. I am not sure what happened. I do n't save paperwork because I new where I was with the situation. I am not sure how how these companies work completely. 
I asked for paperwork stating my payments and how they were applied. What they sent me I do n't understand at all. 
Now I tried to make a payment and they would not accept it. 
Please help Sincerely XXXX XXXX XXXX, IL 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 explanation
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was given a reverse mortgage with Bank of America and applied for a loan mode that they approved six months later after I mailed all paymnets on time they said my loan mode paper work was lost and I am being forclosed. I turned to my lawer to stop it and while we are waiting for court Bank of America turned around and sold my account to XXXX XXXX mortgate before we had a chance to go to court in 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 explanation
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I Had money save up on money orders i deposit into my bank account a few days later my account is being close Bank of american never gave me a reason for closing my account

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 2015-05-23
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America keeps calling me after i made the payments, asking when i will make the next month 's payment. The date for my check to be deposited is always on the XXXX of each month ; i can not make it before then. I have just paid Bank of America XXXX payments of {$520.00} in the amount of {$1000.00}. Bank of America is also reporting me late when i was making the trial payments last summer in 2015. And they are currently reporting me 30-59 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The bills that I have been paying on are extremely old. I pay {$100.00} a month and never seems like I'm getting anywhere. This company either is not applying payments to my account or is charging outrageous fees to where I can not get out of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
I am writing to complain about practices of Bank of America XXXX. I am writing specifically about their policy for interest fees on balances paid in full. We made an error that we fully recognize as our own in shorting a payment by {$260.00} approximately. Upon receipt of the next statement dated XXXX XXXX, 2015 we received, we immediately paid any difference. Additionally we paid our full balance on the XXXX XXXX statement including the interest charge. Upon receipt of our statement dated XXXX XXXX, 2015 we were charged an additional interest amount based upon all of our purchases the previous month XXXX approximately {$4700.00} of purchases were subject to the rate ). Upon calling Bank of America I was told that while no where on the front page of the bill, which contains the summary and any interest charges, that on the back on page XXXX, in small print, it is written that " We will not charge interest on purchases on the next statement if you pay the New Balance Total in full by the due date, and you had paid in full by the previous payment due date. '' I understand that there is a residual interest charge, however, the statement is misleading as it states " Balance '' in the " Account Summary '' section on the XXXX page of the bill and does not specify " Pay Off Balance ''. It is my belief that credit card companies should include the payoff balance at the time of the statement so that customers can avoid large residual interest charges. I am a consumer who has never made this mistake in my 14 years as a customer with this company, and in doing so was charged on the mistake of {$260.00} a total of approximately {$80.00} due to the poor information provided. I made the payment within XXXX day of the closing of the new statement to bring my account to what I thought was in good standing. ( i.e the short payment was XXXX on a due date of XXXX, statement closed XXXX, I realized it on XXXX and made an immediate payment ). This is an abuse of the fine print and of the agreement. It is deceptive as well as probably the reason so many people who are much less educated than I are struggling with so much credit card debt. The company was without my short payment of {$260.00} that would have paid off the balance in full for a total of 4 days and earned {$80.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
What happened simplified, Subjects : Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX, My husband and hisdeceased mother ( the victim of Identity Theft ) according to Federal Trade a commission ). 
XX/XX/XXXX my mother in law passed away from that date up until beginning XX/XX/XXXX mymother in law had been receiving regular Social Security Benefit checks directly deposited into heraccount I believe the last XXXX numbers of her account XXXX. my husband and myself also have bankaccounts in Bank of America XXXX My husband confessed to me that he was fearful of the prospect of the FBIfinding out about it, my husband was indited and convicted of defrauding the government of federalfunds among other charges and was sentenced to 3 years in federal prison and without my permissionhe went ahead and took transferred money out of our marital joint account to cover the loss of thestolen Social Security benefits through her unauthorized ATM card. I believe that total was about XXXXdollars. My husband and I are going through a divorce and that money was part of my equalization ofassets a little over XXXX. 
I had alerted first the Federal Trade Commission, got a reference number got all the requirementsrequested a police report number, the detective called me to say basically it 's a waste of time that Iwould have to know all the ATM 's he withdrew those funds from his mothers account. I would need asubpoena to open my mother in laws accounts even though I had a POA. I tgan than called the office ofinspector general sent in my complaint and was time stamped and signed. I called couple days ago andshe sounded pretty confident in referring me to Consumer Financial Protection Bureau and in hoped totry and recover those funds from my bank account. 
Thank you for you time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
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:
This complaint is for both federal and Non-federal student loans. I have been having trouble repaying my student loans since I moved to Texas in XX/XX/2014. On several occasions, Navient has sent me emails with this subject line : " XXXX, Reply YES to Postpone Your Student Loan Payments ''. I replied yes on multiple occasions thinking that they would send me information of repayment plans. Well it turns out that replying " YES '' actually put my account into forbearance. I truthfully did not email read the emails initially. I did not think that they could legally change my loan status without verbal affirmation and without asking indentifying questions. So image my surprise when all of a sudden my student loans increased by thousands. Now I am hearing that I would have qualified for income based repayment which I had no idea about. I would have never agreed to forbearance.

Company response to consumer: Closed with explanation