BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I went to XXXX on a mini-vacation. While there, I attended XXXX and one night, I lost, or someone stole, my debit card and made purchases totaling {$2600.00} at various Walmarts and gas stations, the following morning. It took me a few days to realize the card was missing as I was using my XXXX XXXX. When I did, I filed XXXX claims with Bank of America, they are : # XXXX & # XXXX. XXXX is for a {$400.00} ATM withdrawal and the other is for {$2200.00} in bogus charges ( such as XXXX {$970.00} and XXXX {$290.00} charge at XXXX ). Bank of America has handled my claims extremely poorly. They at first refunded me the money and later on with no contact whatsoever they took it all back ( not once warning me that this was possible ), leaving me with $ -XXXX in my account. I have since been charged over XXXX in fees because of this. Since then, I have been trying to prove that I in NO way authorized these charges and that my debit card and cell phone had been taken and used without my consent. They have been extremely unhelpful and I question their integrity. I have been at BOA since 2013 and have been pretty consistent with my banking and ( almost always ) on time with my payments. If you try to fully understand the details of the situation and what occurred, as well as what I was thinking, and the circumstances surrounding the situation ( the timeline ), the non- legitimacy of the charges become apparent. The fact that as of now, I have lost all of my savings and owe {$500.00} ( plus my BOA credit card bill ), while having to pay my {$1000.00} on my XXXX bill, is very unfair. Talking about the specific charges, I went ahead and filed police reports. These are with the XXXX PD. For lost property, this includes the debit card and phone : XXXX and for CC Fraud : XXXX, this includes all fraudulent charges ( including {$400.00} ATM withdrawal ). Bank of America has twice denied my claim ... with no communication on their end as to why. They have not contacted the police and have done very little research on the charges or the facts. This is almost all of my money and it is extremely stressful and unfair. Please help put pressure on Bank of America. This is theft.

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 2015-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX/XXXX/2006, a car sales man from XXXX XXXX, XXXX and Bank of America, forced me into an auto loan contract at an exorbitant interest rate. The name of the sales man is XXXX XXXX. XXXX XXXX in presence of the Finance Manager, told me that my interest rate is 7.99 % APR. When I refused to accept it, the Finance Manager told me, generally XXXX, XXXX, XXXX and other people of XXXX, get 3 % higher interest rates. He told me if I was white, he would give me interest rate of 4.99 % APR. He held my car hostage and told me that I had already signed my car as a trade and he told me that the car now belongs to XXXX XXXX. The Finance Manager told me that I had already signed the checks for {$3000.00} towards the down payment and I ca n't have it back. The Finance Manager and XXXX, told me that if I back off from the deal, I will lose the {$3000.00} and I have to walk home as my car belongs to XXXX XXXX as I have signed on the title. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I signed this contract under severe duress from this unscrupulous finance manager and XXXX XXXX who threatened, intimidated and coerced me into signing this contract. I can not find appropriate words to describe the pain, humiliation, grief and suffering, XXXX XXXX, Bank of America and the Finance XXXX from XXXX XXXX inflicted on me. Few years back I went to XXXX XXXX with one of my XXXX friend. XXXX XXXX spoke to my friend in XXXX and told him to stay away from me. My friend told me later that XXXX told him to stay away from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX XXXX XXXX. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XX/XX/XXXX from Bank of America. I moved to XXXX in about XX/XX/XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XX/XX/XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XX/XX/XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with Bank of America ( or XXXX ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XX/XX/XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept Bank of America because the interest was 4 percent fixed. But alter selling my home I became manic depressive and could not do simple paperwork and the bank of America card never got paid. Of course XXXX did not care about anything but making money from me. ( I NOW know ... ) 8. According to XXXX 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from Bank of America around XX/XX/XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.

Company public response: Company 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: NC
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 tried to consolidate my loan into my home loan when purchasing my first house XX/XX/XXXX. Navient told me that unless I was getting an FHA loan to cut them a cash check with no 3rd party that they could not accept the money. I just wanted out of the interest rate nightmare we are all facing. Its going on 13 year now of paying off this loan and it still haunts my life even though I 've paid over the amount of the principle. I would like to save for my sons education however I am left trying to pay for a degree I earned XX/XX/XXXX. They call you to make sure you can make your upcoming payments. I also found this is a strange practice. 
I used to go over into the grace period when I was first eligible for repayment, I was XXXX and making XXXX a month with {$650.00} rent and {$190.00} car payment they still would not let me consolidate until many years later. It was basically a 3rd of my liveable income for a few years ( at the time it was XXXX XXXX ). I would get calls about when I was planning to make my payment every month multiple times and tried to talk to them about consoldation or hardship deferment and the representative would either hang up or tell me I was not eligable. None of it made sense. Literally years of run around to where you just throw up your hands and pay them as best you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, Yesterday, the IRS put a levy against my bank account. Bank of America decided to levy my entire amount then to charge me {$100.00} for admin fees -- - thus actually overdrafting an account that minutes earlier had over {$6000.00}. They then, of course, charged me an overdraft fee. 
I immediately called the IRS. We agreed that they could have {$1000.00} and they would release the rest right then. They said it could be instant or take 24 hours. Today, my account is still negative and another overdraft fee. I called the B of A legal department. They claimed they received the order to release this morning, and the funds should be available by tomorrow. I am guessing they will tack another overdraft fee on my account. 
I do n't understand why B of A levied a greater amount than I had in my account. They should have pulled their admin fee out first, of course. They purposely made my account negative. I got the levy released immediately. This is clearly just a mistake. I have been with the bank since I was XXXX ( XXXX now ). I do n't think I should be punished because B of A themselves overdrafted my account. I do n't think I should keep receiving overdraft fees because I am waiting for them to take the hold off of my account that they placed. 

Thank Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail to the address that is provided on my credit report the letter came back to return to sender. Syndicated Office System is well are that this account is fraudulent and still verifying it with the credit bureaus. I called and talked to their office supervisor who on a recorded line said they did not need to reply to the credit disputes. I have sent a second dispute to them and consulted with an attorney about this ordeal.

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 2016-07-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to file a complaint against beneficial finance they have been trying to collect back mortgage payments that were covered in our bankruptcy I am sending documents in hopes that the cfpb can help us they have added interest and penalty 's for six years they call it deferred interest I hope I covered it well enough in my letter and court documents thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
At age XXXX, my mother fell and was XXXX. Due to geographical limitations, she has savings and checking accounts with a local branch of Bank of America. She has a Durable Power of Attorney naming my brother as the primary, and myself as the secondary, attorneys. She is in XXXX ; my brother is in XXXX ; I live on XXXX XXXX, but have moved temporarily to XXXX to help her through what are probably her final months. When we tried to add my name to her account as a signer so I can pay bills without mailing the bills and a book of checks to XXXX, my brother sent a letter explaining that it is more practical, and fully acceptable to him, for me to exercise the Durable Power of Attorney for the present time. I visited the XXXX branch of B. of A. He visited a XXXX branch. Each gave extremely conflicting and confusing descriptions of the many necessary steps to add my signature to the account. In either case, I believe we would be liable for legal expenses to have my mother 's lawyer revise the Durable Power of Attorney, a revision that would necessarily be temporary and result in further legal expenses and delays at the time of her death. My mother is XXXX and can not get in and out of a vehicle to go to the bank to sign any papers. Bank of America staff are unwilling to make the XXXX-minute round trip to her home to get a signature. Is there any recourse this side of the grave?

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 2017-03-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am the parent and borrowed for my daughter to attend school at XXXX XXXX XXXX College. For two years XXXX and XXXX I borrowed from Parent Plus loans. Navient has been emailing me regarding the paying back of the loan. I had sent them money for both years paying 12 months at a time as I can not afford to have another monthly bill. My daughter returned from school having finished her XXXX XXXX in XXXX. Now Navient is telling her that she borrowed {$12000.00} dollars and that she has to begin paying back. I know that my daughter XXXX XXXX had not borrowed any money from any bank because she received grants for part of her college education. They have not tried to assist us in understanding this problem. We are only being told what my daughter owes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm seeking your assistance on my mortgage with Bank of America. I 'm simply asking for help. My wife and I have been faced with both health and financial hardships over the last few years. We are finally in a state where we can sustain the monthly mortgage payment but Bank of America is running me in circles. I ask you to please-please truly review my situation as there has to be a human with a heart sitting somewhere willing to help me, willing to make an exception or simply sit back and realize this is the right thing to do. I am attaching a letter which thoroughly explains what has occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS A COMPLAINT AGAINST Equifax ( DEPARTMENT OF FRAUD ) THIS AGENCY CREDIT NOT COMPLY WITH FEDERAL LAW OF FAIR CREDIT WHEN IS VICTIM OF IDENTITY THEFT, like me, on several occasions HE SENT THE REPORT OF POLICE AND YET ACCOUNTS REMAIN IN MY REPORT MY WAY AFFECT OF NEGATIVE CREDIT PROFILE AND XXXX A pOLICE REPORT THAT WERE WITH BILLS XXXX FRAUDULENT AND WITHOUT MY PERMISSION. HOWEVER THIS DEPARTMENT OF FRAUD AND DISPUTES LAW FAILS IN BLOCKING AND ELIMINATE THESE BILLS WHEN IS VICTIM OF IDENTITY THEFT. It is for this reason that I GO TO CONSUMER PROTECTION BUREAU finace, DUE TO NORMAL BY DIRECT CONTACT NO WAY HE HAD EXPECTED ANSWERS AND THE RIGHT AS TO COMPLY WITH SECTION XXXX OF THE FEDERAL LAW SECTION OF FAIR CREDIT. These accounts are : XXXX XXXX I XXXX XXXX. # Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied to Bank of America for a car loan on the purchase of a used car from a private owner. I was approved for the minimum loan of {$5000.00} by Bank of America ... I sent the registration and title creating a lien interest in Bank of America. Bank of America has reneged on the car loan and has failed to return the title and has failed to release the lien

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I purchased a defective product from a company and Bank of America, my credit card company, requested unduly burdensome and impossible-to-obtain proof for me to prove my claim. They failed to protect me from a merchant who is deliberately not supporting their defective product, despite my never being late on a single payment in my 12 or so years as a cardholder.

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 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Now the latest in the saga in my fight with Bank of America is that they hired an attorney to what, tell me they do n't have to answer a simple question related to a document they created earlier this year? The attorneys stated they do n't have to answer because they are no longer my current servicer and put out some legal statutes which I 'm sure is all XXXX all in an attempt to justify the non-response to why after so many years did they finally create the document to transfer my loan for the servicing and I also asked for clarification on another document that appears forged. It would seem more sensible if BoA wants to bring in an attorney to simply ask those attorneys to work out a settlement. Everything I have against BoA is documented, it 's in writing, there 's no, 'we discussed on the phone this on such and such date ... '. Every last issue I have presented is fact, it 's recorded, and it 100 % shows BoA in the wrong and on a multitude of issues, some very minor, some most extreme once start talking forging documents and harassing me when were n't even legally servicing my account and the insane part is that was after years of me essentially asking for that document, why did n't they at least re-assign the mortgage servicing going back probably 4 years now when I first brought it up???

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: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had checking account with Bank of America and I was their customer for over XXXX years. 
in XX/XX/2015 I have received employment checks witch were returned for insufficient funds. and at the same time I wrote checks on the same account to pay bills. The employment checks were returned for insufficient funds. I did let the bank know. the customer service at the branch understood. also I did not have the funds to deposit funds immediately to cover the shortages. when I had the funds couple months later I paid them off and closed the 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 2015-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have been trying to refinance our home but can not move forward because of Bank of America. We paid off a balloon with Bank of America but can not get them to show the balance as XXXX with the credit bureau. This issue has been continuing for XXXX months and is still not resolved. In the meantime, interest rates continue to raise and Bank of America continues to do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I have a Bank of America XXXX XXXX XXXX XXXX credit card issued to me on XX/XX/XXXX. I have been using this credit card since the day I received it. On XX/XX/XXXX I received a letter from Bank of America saying they closed my account. I pay my monthly bill every month. Never been late on a payment. I had a total of XXXX reward points on my account. Bank of America is telling me since they closed the account that I ca n't redeemed my remaining reward points. They will not disclose to me on their reason for closing my account. Please help me on redeeming my remaining points.

Company public response: Company 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: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
It was difficult to make the payments they requested and my credit was affected. They also would not lower my interest rate. Also, I receive state health insurance for my children, a form of XXXX, but they would n't accept it for proof of XXXX.

Company response to consumer: Closed with explanation