BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is guilty of conducting Trustee 's Sales without the authority to do so. In this instance, Bank of America has failed to secure the XXXX Grant Deed with the subject property. Therefore, Bank of America and the current trustee, XXXX ( XXXX ), can not collect any existing debt through the sale of my home and private property. Furthermore, while there is evidence of an existing Grant Deed of XXXX through a recorded document, neither myself or Bank of America have been conducting transactions under ther terms of the XXXX Deed of Trust. Therefore, no default can be had or may be claimed on the XXXX Deed of Trust. Just to be clear, neither Bank of America or XXXX hold the power of sale under the XXXX Trust Deed in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( NTS ) has been associated with and recorded. And now, from this point forward, Bank of America and XXXX can not claim ignorance as to this fact and any action from this date forward will be fraudulent in nature and scope as well as evidence of a Racketeer Influenced Corrupt Organization ( RICO ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Trust Deed ( Deed of Trust ) is a written instrument by which title to land is transferred to a trustee as security for a debt or other obligation. 

Uniform Commercial Code Financing Statement ( UCC FINANCING STMT ) is a mortgage or security agreement using personal property as the collateral. These agreements are recorded in county if real property is affected. 

Trustee 's Deed is a Deed given by the trustee when property is sold under the power of sale in a trust deed. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America ; Bank of America defaulted on 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 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I purchase an airline ticket with XXXX XXXX on their US website for around XXXX USD on XXXX/XXXX/XXXX. The fare was quoted in USD and I paid in USD with my Bank of America ( BofA ) credit card. After I received my credit card statement I noticed BofA went on to charge me foreign transaction fee of XXXX USD, which is not insignificant. However on the credit card statement the fare amount was in also in USD. 
I contacted XXXX XXXX on XXXX/XXXX/XXXX complaining and they assured me that my ticket was paid in USD and not in XXXX and was routed through their New York office. 
I contacted BofA on XXXX/XXXX/XXXX to reverse the transaction fee and they told me to read my policy which states the foreign transaction fee. I told them what XXXX told me that the funds were routed through their New York office. I told Bofa that this could not have been a foreign transaction fee, because the transaction was not sent overseas and that the funds remained in the US. On top of that the fare was quoted in USD and I paid in USD. 
Bofa kept being uncooperative, telling me that XXXX XXXX have their office in XXXX hence the transaction fee. 
Even after XXXX representatives I was getting nowhere. 
I asked the customer service rep to provide me with documentation that XXXX did not charge me in USD but in XXXX, including the exchange rate. The Bofa rep was still not cooperative. 
It 's fraudulent and misleading to charge XXXX unaware customers illegal transaction fees. And especially if it a FOREX fee, Bofa needs to provide documentation and the exchange rate of such transaction.

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 2016-10-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient began calling me several months ago, saying that I had a payment due. I knew this was not the case as I did not graduate until XX/XX/2016 ( XXXX until that point ). I was told they were contacting me on behalf of XXXX XXXX as my account was in collections. So, I contacted XXXX XXXX directly. I made sure they had my enrollement verification on file and that all was well. However, Navient kept calling SEVERAL times a day - both me and my mother. On average, they call my cell phone 7 times per day, my mothers cell phone 7 times a day, and her office 5 times per day. Sometimes a few more times, never any less. I started ignoring the phone calls as I was told by XXXX XXXX that I did not owe them any money. Navient began leaving voicemails for both myself and my mother each time they called. The voicemails always last at least 30 seconds, but there is never anyone talking, all you can hear is background noise ( people talking at a distance ). Oftentimes when they called, the phone would ring for about 5 seconds and they would just hang up. At this point, I began to suspect that it was not actually Navient trying to contact me, but someone attempting to steal my identity. What credible company does things like that?? At one point, I answer their call, and they tell me they are calling on behalf of my federal student loans and that I was delinquent and needed to make a payment. I knew this was not the case, so I hung up immediately. Today, I decided I had finally had enough. I called Navient and spoke with someone, demanding they explain why they had not stopped calling me. It turns out that Navient purchased one of my loans FROM XXXX XXXX, THEY WERE NOT CALLING ON BEHALF OF XXXX XXXX AS THEY HAD TOLD ME IN THE FIRST PLACE. After being transfered to speak with a supervisor, I told him I had no idea what had been going on as I had been misinformed by several of Navient 's employees in the past. I told him I would upload my enrollment verification form immediately so that I could use up the rest of my grace period. The supervisor then told me that it was too late and I was no longer entilted to the grace period and I had to make a payment at that exact moment or else my delinquincy would begin to show on my credit and my mothers credit ( she is the cosigner ). I insisted that I knew I had a legal right to 6 months grace period, starting at the moment that I was no longer a XXXX. His tone and words began to change slightly, but told me that I would need to call back in an hour after I had uploaded the verification form to see if they would be able to complete the request in time to avoid credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed Transunion & XXXX  a letter on XX/XX/XXXX. I have student loans on my credit report that are fraudulent. I never taken out any of these loans. I only took out one XXXX XXXX XXXX in XXXX for XXXX but there are 2 loans on my report for over XXXX each ( principal amounts ). 
I have also never done business with XXXX. They claim to have obtained the loans from XXXX XXXX. During my investigation I found out that XXXX sold the fraudulent loans to XXXX. They are both trying to collect on the same debt which was fraudulent from the beginning. None of their documentation has my physical signature on them which is required under Section 611 ( 5 ) ( A ) of the FCRA. My name is typed in on the documentation but Transuion said they verified the account. I requested proof and all they sent me was a copy of my credit report with the loans on it and said the loans are verified. 

XXXX followed the proper steps and deleted these items from my report & I thank them.

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 2016-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America charged me XXXX {$35.00} on the same overdraft charge for XXXX item for less than {$20.00}. They said my account overdraft on XX/XX/XXXX but sent a certified email stating that my acct was less than {$25.00} on XX/XX/XXXX at XXXX XXXX. So they waited until sleeping hours to process the charge and before I could transfer the additional funds ( which is totally possible considering I have XXXX accounts with them ) they charged me an overdraft, and not once but FOUR times. I then called and was put on hold for over 30 minutes and got hung up on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX kept sending me bills for items I had already paid on or paid in full. I finally gave up calling them and sent a complaint to this agency. They then sent me a bill for the final, remaining combined balance. It was correct, so I sent in the payment of {$64.00} on XXXX XXXX, XXXX. Thinking it was now all over, I felt calm and went on with life. 

Yesterday, in the mail, I got a letter from " Sunrise Credit Services , Inc. '' on behalf of ... wait for it ... XXXX!!!! It is XXXX XXXX, XXXX!!!! They have an account number and balance of {$82.00} and give XXXX XXXX. XXXX where you have options on " if you pay by ... send {$62.00} '', which gives you {$20.00} off '', etc. It also declares you can use your " Tax Refund '' to clear up this debt ... Call us ... We 're happy to help! We can Grant Your Wish ''. Oh, and by the way, the last line says : " This offer will expire on XXXX XXXX, XXXX. We are not obligated to renew this offer! '' Not that I need this offer, but if I did, I only had one day to respond! Unbelievable these people! 

I refuse to contact them and deal with this again. It has been paid. If they put this on my CREDIT REPORT, I am going to explode! 

XXXX needs to get its records straight on how much people pay on their so-called " installment plans '' and when the bill is paid in full. Apparently their bookkeeping department is deficient and causing stress to consumers of the goods they advertise and sell. I thankfully kept ALL of my records from the time I ordered until I paid off the bill. Otherwise, I would have possibly been fooled into thinking they were correct! How many of our elderly out there are falling for the faulty billing practices of this phony give-a-way program? It should be investigated! 

Now, I am asking for your help with this bogus credit company trying to collect a debt that I do not owe. I appreciate any assistance you can give me in this matter as it is extremely frustrating and ridicules.

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 2015-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am placing this complaint for the mishandling of my repeatedly requests for a modification. In XXXX I was granted this {$200000.00} mortgage originally with XXXX XXXX, in XXXX it was sold to Countrywide and in XXXX sold to Bank of America. In XXXX my husband had XXXX surgery and had to stop working and I had to reduce my hours to become his caregiver at which time we defaulted. Up until this time we had made every payment on time, even paid {$110.00} extra each month towards the prinicipal. In XXXX financially our situation improved and I started applying with Bank of America for a modification at this point we were only 12 months behind. Each time I called for a status I was given the run around, excuses of lost applications, missing docucments, outdated financials, assigned new representatives etc. When I finally received a response in XXXX it was a denial for not qualifying for any programs. I immediately filed an appeal and the application process and stall tactics began again, all the while the arrears kept getting higher! In XXXX XXXX I received a letter saying my mortgage was sold to XXXX and I found myself having to begin the modification process all over again! In XXXX XXXX XXXX denied my modification and foreclosure notice came shortly after. This time I consulted with a not for profit agency who helped me fight. Finally I was approved but being that non of the arrears were forgiven and no principal reduction the new mortgage amount would be {$310000.00} on a house that is only worth {$220000.00} and the monthly payment was going to be 52 % of my net salary! As much as I want to save my home I could n't accept this offer. Financially I am able to pay this mortgage, I have no outstanding debt, my credit score is XXXX, I pay all my bills on time, all I need is an affordable modification! What I do n't understand is why Bank of America was allowed to get away with this. My misfortune happened during the banking industry crisis they got bailed out by the federal government why ca n't the government help the common man keep their home! I built this house in XXXX when I was XXXX years old I raised my XXXX children, this is not a house this is our HOME! All I need is someone to help me fight against this injustice, reduce the arrears that were not my fault and let me keep my home!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am having difficulty getting Bank of America to move forward with an approved short sale and would like to file a complaint. House was put up for short sale and we received an offer of {$390000.00} and submitted to the lender on XXXX/XXXX/2015. Received an FHA Approval to Participate dated XXXX/XXXX/2015. It calls for a list price of {$380000.00} and a minimum net proceed amount of {$330000.00}. Current net to lender is $ XXXX, which is {$27000.00} more than what the lender requires. The attorney we have hired to handle the short sale has been calling and e-mailing the lender daily for the past three weeks and the responses have been sporadic at best. Messages left for supervisors at Bank of America do not get returned. We feel as though the lender delay is a result of bad faith negotiation on their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I REQQUESTED VERIFICATION OF DEBT FROM XXXX ACCOUNTS WITH CENTRAL FINANCIAL CONTROL AND WAS NOT PROVIDED WITH DEBT VERIFICATION. ALSO, I PAID THE DEBTS HOPING THAT I WOULD RECEIVE DEBT VERIFICATION ON THE FOLLOWING ACCOUNTS : ACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDI WANT TO KNOW WHY I WAS NOT PROVIDED WITH DEBT VERIFICATION AND PAPERWORK AS REQUESTED. ALSO, I WOULD LIKE THESE PAID COLLECTION ACCOUNTS REMOVED FROM MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX 2014 I file a complaint on a EFT because the company cancel my policy for my car insurance 2weeks after I paid them for a month of services I called XXXX XXXX several and got no where with them so I file a claim with Bank of America so have 90 days after investigate alls XXXX XXXX sent them authorization form and sent them prove of them canceling my policy after 2 weeks of services I sent them a copy of the e-mail that XXXX XXXX sent me and they still denied my claim and I feel I should be credit for that charge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was talked into obtaining a private student loan from XXXX by a school program for pilots that promised to teach me how to fly. The school fell through on their promise and I was terminated with no previous warning. I contacted XXXX at the time to see if they could help me and all they did was put me on forbearance and after years on forbearance they have started threatening phone calls and harassing both my cosigner and myself. I later found out that the school I was with obtained the loan on my behalf by using their Part XXXX designation when I was not a Part XXXX student I was actually a Part XXXX student which is not allowed to obtain student loans. Now they call on a daily basis multiple times a day and I have tried to arrange for payment but they want me to pay an outrageous amount of money per month that I nor my cosigner can afford. I do not know what else to do and have ran out of ideas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/20, the insurance company paid {$27000.00} towards the payout of the car which left a balance that I received a bill for in XXXX with a due date of XX/XX/20. On XX/XX/20 your company reported to the credit bureaus that I was 30 days late dating back to XXXX for {$920.00}, Which was incorrect because I was not late and the insurance company made payment on XX/XX/20. I called several times to correct the problem but all the CSR  I spoke with was very unprofessional and had no knowledge that the info they were providing was incorrect. On XX/XX/20, TD Bank charged the account off which the account still was not late due to the bill due date XX/XX/20, which from XX/XX/20, I have 30 days from the due to date to make payment before anything can be reported late to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX 2015, I received a letter from CHASE saying I was pre-approve for a home loan. Since I needed to get a refinance loan for my XXXX Mortgage with CHASE, I decided to meet with the CHASE representative in XXXX XXXX. I paid XXXX dollars for the appraisal and I want a refund of this money since I was assured the loan ( on XXXX XXXX, 2015 ) was a positive based on the material and documents I submitted. The appraisal came in at XXXX on XXXX XXXX, which was more than enough since the loan was for less than XXXX. On XXXX XXXX, 2015 I was informed I could get the loan if I came up with XXXX. As I informed the representative I would not have paid the appraisal if I knew in advance I needed to an extra XXXX dollars for the loan. 
Subsequently I applied with another Bank, XXXX ( XXXX XXXX ), and was able to refinance thru them. 
I did sent a XXXX page letter to the representative with attached documents supporting my claim and he inform me via e-mail they could not refund my appraisal fee. CHASE has not responded in writing regarding my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I had XXXX checks that did not clear my account for {$76.00} twice from XXXX XXXX. The checks were unpaid because I did not have the funds. My account charged {$35.00} for both checks. No problem, however, Bank of American let XXXX submit those same checks 10 times with different checking numbers from my original check, thus not authorized to keep sending through my accounts. As a result, my account was hit with an obscene amount of late fees {$420.00} by Bank of America and Allowed XXXX run e-checks changing checking numbers. The late fees are excessive.

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