BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I applied for a Short Sale of our home XXXX several months ago because my husband received a job transfer XXXX with the same company he has been with for 13 years. Our home appraised for {$180000.00}, we owe approximately {$230000.00} on the mortgage. We received initial approval from our mortgage company, Bank of America to sell the home and we have a buyer ( offer was submitted to BoA on XXXX XXXX, 2016 ). We have a real estate agent and a real estate attorney working on the short sale with us. After some back and forth with BoA to negotiate closing costs, the real estate agents commission, etc we received a final approval of the short sale on XXXX XXXX, 2016. Upon reading through the documents sent by BOA, we noticed that a condition if closing on the short sale was that we are REQUIRED to be XXXX or more days delinquent on our mortgage, which we are Not. Our XXXX agent stated that the HUD/ FHFA issued new guidelines within the past few years stating that if you meet the defined hardships you do nit need to be delinquent on the mortgage. We meet the requirement for a job transfer more than XXXX miles away. ( This was already accepted by BoA. ) We have attempted to speak with multiple BoA representatives explaining the HUD guidelines in full, we either receive no call back or have been told they can not change the requirements. We have requested review of our case, Bank of America it would appear, refuses to adhere to the federal guidelines, instead continuing to tell us that we must be 30 days delinquent. Our short sale approval from BoA expires XXXX XXXX, 2016, we Must relocate asap. We also mist move XXXX by the end of XXXX. 
Please consider helping us in this matter, we have good credit and have worked very hard to maintain our mortgage.

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: NH
Product: Credit card
Issue: Other fee

Complaint:
I had a credit card with MBNA for a number of years without issue. Somewhere along the way the card was taken over by Bank of America. At some point, I contacted them concerning my 1 % points since I heard about their 1.5 % ... after a lengthy discussion, there seemed no downside to update my card. After accumulating points for years, I requested a disbursement of the 1.5 % and was then informed that the actual amount was only .9 % ... in order to obtain the 1.5 %, I had to use toward a travel expenditure ( if I had originally known, I never would have signed up since I do n't use that card for such expenditures as well as use frequent flyer miles when I do my minimal travel ). I wasted my spouses time who dealt with my mother-in-law in order to purchase plane tickets for her in order to use the 1.5 % points and then hassled with the whole reimbursement process from my mother-in-law back through my spouse. I pay my credit card bill in full each month. So my only XXXX credit card charges on my monthly invoice were for that travel and used my 1.5 % points to timely payoff the balance of my account in full. Bank of America claimed that I did n't make a minimum cash payment so charged me a {$25.00} late payment fee ( i.e. due date was XXXX, made a {$25.00} cash payment on XXXX and statement closing date was XXXX ) ... their rationale was that I had made a charge on the following month. Be mindful, there was no balance due and then paid off my account in full for charges in that billing cycle. I believe that Bank of America not only was deceptive when claiming their card was 1.5 % points when actually was .9 % as well as unfairly charged me a {$25.00} late payment fee when I had paid-in-full with the travel credits. Apparently they no longer want my business, even though I believe I have been an upstanding customer for nine years, since when I discussed the matter with them, they had no willingness to waiving the unreasonable fee. Thank you very much for your efforts at the CFPB to assist consumers with credit card companies unscrupulous practices in the past. With Appreciation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2016, I received a letter from Bank of America stating they had a new bill payment system and to log in and sign up. I logged in and saw that my bank account info was already in and ensured it was correct for auto payments. I then changed over to paperless billing. Fast forward to XXXX 2016 and I tried to use my card and it declined. I logged in on XXXX/XXXX/16 and noticed I was late for a payment from XXXX/XXXX/2016. I immediately made the payment and tried to check my online payment system, which seemed to have my correct bank account. This 30 day late was then reported to my credit bureau on XXXX/XXXX/16, which dropped my score dramatically. Problem is, after further review I never received an alert saying I was late and I wondered why my online auto bill pay did n't work. I called CS on XXXX/XXXX/2016 and was forwarded to the tech dept. After repeated attempts to reset my account to make the online bill pay work, the tech gave up and decided I would need to fill out a paper form to get set up. I then asked if the 30 day late mark on my credit could be removed and received a call back from their credit department saying no, even though my account was investigated today and it was found to have a glitch which is why I thought I was setup for payments and alerts and I 'm not! I was receiving alerts up until XXXX 2016. My alerts stopped once I tried " their new bill payer service '' which turned out to be the worst mistake of my life. My husband is a veteran of the XXXX XXXX and we are 60 days out from closing on our home we are building and our VA loan officer says this may put our home into jeopardy.

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 2015-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Hello, I was trying to make an online purchase with my debit card. my problem started when I got a " verified by visa '' window upon my payment confirmation. The page asks for SSN to verify the card 's holder identity. Bank of America does not have my SSN in their database, because when I first opened my account I Had n't had an SSN. I called the customer service to solve this issue ( which they did last year, when I was trying to purchase a ticket from the SAME company ). After several attempts to reach a representative ( which took me literaly XXXX hour ), they promised to bypass the verified by visa page by sending an email to XXXX and ask them to lift the hold on my card. When I resumed my payment, the verified by XXXX window disappeared, by to my great surprise, my transaction was again denied, and I immidiately received a text message from bank of America saying that my card is restricted! I called the customer service again, and all they have to say was : " We need to verify your identity, but this can not be done over phone! ". I was left with XXXX options, according to them : either to discuss this with your local BofA branch today ( they know that it is a saturday, so obviously the branch is closed! ) or to fax them XXXX copy of my passport, and XXXX back-front copy of my debit card with XXXX signatures! 
I am very disappointed because they ignored my request when I said that this restriction was put on my card right after the XXXX department lift the old on my card, and also because they refused any comprise, especially that it is a weekend and I have no access to a fax, nor could I possibly find an open branch on a saturday evening! I am also surprised and confused because the exact same issue happened to me last XXXX, but I did not have to go through all this frustration : Total non-chalance from the staff, plus a very rigid policy that do not even allow customers to negotiate. 
This is not the first time that they place a hold on my account for trivial reasons, but this time it is really intimidating, because I am left with no money over the weekend. I called to solve a problem, now I am left with a worse problem, which is not being able to manage my own money! Not to mention that by the time BofA " solves '' this issue I might not find an available seat on this flight anymore on monday!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
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:
I tried to get my consigner released Navient said I had to make payments for 12 months. 
I tried to lower my payments they told me only if my consigner could n't pay then I could maybe lower my payments. I sent my information over never got a lower payment. I also asked about the loan consolidation plan with my federal loans they told me it did n't count on private loans but I originally was told it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Navient Solutions, LLC.
State: KS
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:
My consolidated federal student loans were recently purchased by a new servicer : Navient ( XXXX ) After a few months of regular, automated payments consistent with my 20-year level repayment plan ( started in XXXX ), I received an email saying that my payment would change ( it was reduced by more than half ). Upon logging in to the website I observed that Navient had changed the terms of my loan repayment to extend the loan until XX/XX/XXXX. Prior to the change, I was scheduled to make the final payment in XXXX XXXX. Upon calling Navient, they were unwilling/unable to tell me whether the change in payment plan would result in me paying additional interest on the loan. There is also no information on the website detailing the full amortization of the loan ( previous student loan servicers have provided such information ). 

Because Navient refused to provide the information I was asking for, I requested that they change the payment plan back to the original terms. I do n't believe that a student loan servicer should be able to change such terms unilaterally ( especially if it will result in a greater cost to the borrower, which is my suspicion in this case ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have owned my home for 10 years and have XXXX mortgage liens with Bank of America. Due to financial hardship, loss of equity in my property, and loan fully amortizing, I have reached out to Bank of America for assistance as I can no longer afford my payments on my mortgage loans and do not want to loose my property or tarnish my credit. On XXXX I contacted Bank of America to inquire about my options, she said I would have to speak with the loan modification department. Bank of America 's customer relationship manager stated that because my property was located in California that I could have someone contact me within 14 days to discuss further. She set an appointment for XXXX/XXXX/15 at XXXX and I never received a call. XXXX I called Bank of America at XXXX asked why I did not receive a call and there are no notes in my file to why. The lady proceeded to begin the review process, took my financial information and stated I qualify for loss mitigation assistance and a customer relationship manager should be in contact by phone in 5-7 business days. As of XXXX/XXXX/15 I have not received a phone call from Bank of America. I called a third time and spoke with XXXX XXXX, customer relationship manager. He stated on XXXX my telephone number had been requested to be removed and someone update my number to XXXX, this is concerning as I never removed my number and now someone has my personal information and is capable of updating my mortgage information. Per XXXX he updated my phone number accordingly and furthermore gave me my XXXX name and set up a meeting for XXXX/XXXX/15 at XXXX, I verbally approved to be contacted prior to XXXX as I work from 8-5pm and can not take personal calls. XXXX also stated that he emailed the customer relationship manager and their manager about the appointment. XXXX by XXXX I have not received a call. I am a homeowner who has made on time payments for 10 years, I am seeking assistance and at a loss what to do as I have tried multiple times to contact my lender and Bank of America has made little effort and empty commitments. I am very concerned that my credit is going to be affected due to Bank of America 's inability to communicate and follow through.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was on XXXX when I went to this company. This bill, like all of my other medical bills should have been resubmitted and taken care of. Unfortunately this company will not resubmit and as a result its in my credit report.

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 2017-01-04
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XX/XX/XXXX I made an agreement with then XXXX XXXX ( now serviced through Navient ) to settle my loans through them for a total of {$17000.00}, I was told by the representative that in order to allow this settlement and to set up my automatic payments of $ XXXX/monthly, I needed to pay them {$5000.00} to be eligible. I paid them {$5000.00} XX/XX/XXXX. The settlement was that I was to pay $ 200 monthly until the {$12000.00} remaining balance was paid off. I made my final {$200.00} payment to Navient on XX/XX/XXXX. I verbally confirmed this with my 'account representative ' XXXX. I asked Navient 's account representatives to send me confirmations of my payments, bills, as well as a letter stating the terms of my settlement. I never received anything after multiple phone calls over the past five years. I logged into my account to see that my address information was erased, yet they require this information to be given every time I call. I contacted Navient XXXX/XXXX/XXXX and the representative I spoke with gave me a case # of XXXX, yet told me that her department does not handle payments and that I need to call back on XX/XX/XXXX to check the status, as well as, contact Navients " collections department '' after 45 days of my final payment ( which was XX/XX/XXXX ). XXXX/ Navient never updated my status to a settlement account from defaulted on my credit, therefore every month for the past almost 7 years, they are reporting my account as seriously as past due and that I have not made the required payments. I have never missed a payment since reaching this settlement agreement with them on XX/XX/XXXX. They have seriously negatively affected my credit and have hindered my life due to refusing to update my loan status. My loan is paid in full as of the XX/XX/XXXX payment and I would like for the settlement to be completed and shown as paid in full on my credit, as well as with a letter stating this from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint with Bank of America concerning my payments not being correctly reported on my credit report. They sent me letter back saying the reason that it was not posted was because my credit was blocked. I called XXXX on XXXX and spoke with XXXX out of Texas call center and he informed me my credit was n't blocked, it was up to bank of america to post the payments and they did n't post any payments. I also requested my credit report from XXXX as well and it shows that all my payments up until XXXX were posted, with the correct amounts each month. How can bank of america post payments to XXXX agency and not all the agencies? I have confirmed from all XXXX credit agencies that my credit was not blocked, and had never been blocked.

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 2017-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A thief reproduced a copy of our Bank of America Mastercard/debit card and used it in multiple instances. On XX/XX/2016 the thief used the card at XXXX XXXX in XXXX, Georgia once for {$730.00}, then for {$380.00} the same day. The funds in the account were exhausted and the thief continued to attempt to use the card 8 more times unsuccessfully. Bank of America is claiming that this was not a case of fraud, implying that we did this ourselves. They are refusing to pay us back the amount of {$1100.00}. We obtained a police report.

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 2015-09-17
Company: Paypal Holdings, Inc
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Paypal Credit denied my application for an account because they said they could n't identify me. ( I have had a PayPal account for many years ) They used " public records '' from a company called XXXX. The questions were : Have you or anyone you 've known lived in the following cities ( them they gave me a list of XXXX cities ) the second question was for the exact street number of the house where I lived with my mother 37 years ago. There was a XXXX question also but I forget what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
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:
I ordered a pair of boots from an online merchant which I never received. I followed up with the merchant many times and then realized it was a scam. I disputed with my bank, BOA, and they refunded me the total amount, {$150.00}. I was told by the associate that this happens a lot and it would be no problem. About a month later I received a letter from BOA saying that the transaction occurred more than 60 days ago so they would be reversing the refund. I was never told by the first associate that the date would be an issue. When I called in to inquire I was put on hold for 23 minutes and then told that there was nothing I could do that the money would be taken out of my account. The associate said, " we 're a bank and we like money, so if there 's anyway to keep the money we are going to ''. He had someone whispering to him in the background on what to say and was not very helpful. At the time the claim was filed, BOA knew it had been past 60 days since my original transaction and should be more upfront about the process. I feel like I am losing the {$150.00} all over again.

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 2016-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was takin off my own bank account that I had before we were married. She was added I think as a joint holder lady at bank said she was the co owner. How XXXX does this even make sense? And she pulled all money out and it 's in negative because of this.

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 2017-01-27
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the collection agency to make a payment. They refused to credit the account or even give me the collection amount unless I provided social security number. They identified the account and verified the information by address account number and name and still demanded a SSN. 

FCRA and SSA forbid the use of SSN as an identifier. The company and XXXX both refused to take payment without SSN

Company response to consumer: Closed with non-monetary relief