BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Update from case # XXXXBank of America has assigned me yet another case manager : XXXX XXXX. I last spoke to home on XX/XX/2015. At that time we agreed that I would re-apply for a home loan modification. He was to send me via XXXX the paperwork and mailer with which to send updated income information and bank statements. As of today, I have not received these document instructions or the mailer. I just tried to make a payment on my account to bring it current and the Bank of America website locked out my new bank information, so I am unable to make this payment for the next 3 days, thereby making my payment 30 days late ( unless I pay a {$15.00} fee ). 
I contacted the HOPE line as included in my Bank of America denial letter. In speaking to XXXX representative over a 2 hour time frame, I was told that I do not qualify for help because I am not late in my payments. I was also told that the option that Bank of America gave to me : a short sale, that I do not qualify for this as I have equity in my property and not " upside down ''. I would think that a banks should know this if they were truly looking at my case. The other option : Deed in Lieu of Foreclosure appears to give the bank all of the assets that I have worked so hard to avoid. 
Bank of America is taking away my ability to keep this property by denying my request for the home loan modification. I do not want to become late in my payments. I do not want to send private documents without some sort of paperwork to support them. Bank of America has placed barriers to my ability to continue paying for this property and appears to want to take the pro cedes of my hard work over the past 10 years. 
Please help me. All I am getting is lip service and time wasting telephone calls with no action. 
I am attaching the letters that I was sent supporting this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Upon receipt of a timely requested appeal, Bank of America GRANTED a Making Homes Affordable Home Affordable Modification Program ( MHA HAMP ) as evidenced by the Appeal Report if XXXX XXXX, XXXX issued by the Bank of America Appeals Department. The home loan account and borrower were directed to a HAMP Trial Payment Plan ( TPP ). Obviously, this never happened. What did happen is as detailed below. 
The then assigned single point of contact/customer relations manager ( SPOC/CRM ) XXXX XXXX issued two MHA HAMP DENIAL letters. The first is dated XXXX XXXX, XXXX, two days before the date the Appeals Department issued their determination, and the other dated XXXX XXXX, XXXX, XXXX days after the Appeals Department issued their determination. These documents are not modification denials on appeal issued by the Appeal Department. The creation of modification or loss mitigation approval and denial letters are not under the purview, duties and responsibilities of the SPOC/CRM. The job of the SPOC is to provide the information collected from the various departments who originate, establish, control, maintain and determine data, documents and decisions related to the modification and loss mitigation processes. 
Bank of America has been paying the XXXX ( XXXX ) insurance for this property and account since XXXX. This year, Bank of America decided not to pay the XXXX portion of the property insurance and have refused to pay it after I made several written requests for the Bank to do so immediately. An authorization to pay the XXXX insurance out of the escrow account associated with this home loan account has been provided in XXXX, prior to the first payment, but after the last mortgage payment I made in XXXX XXXX. By paying the property taxes and all insurances, Bank of America has firmly established a clear and long-standing practice to do so and to continue to do so without interruption and timely. 
Furthermore ( and for informational purposes only ), I was notified the account is in active foreclosure. Since no MHA HAMP has been formalized or finalized after the date the MHA HAMP was granted on appeal, the modification process has not been completed and, therefore, pending. Duel Tracking is prohibited. Refer to Bank of America document of XXXX XXXX, XXXX that Bank of America provided to me twice. 
All documents provided with this complaint have been downloaded from the Bank of America Modification Status Online Portal from the documents tab. The original document name/number has not been changed.

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 2016-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX XXXX for the money orders AND they refuse to provide substitute checks, a violation of federal law.

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 2017-03-25
Company: Navient Solutions, LLC.
State: MD
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 have been consistently making monthly payments to Navient and they have failed to allocate my monthly payment towards my loans. This has now caused my credit score to drop over XXXX points. There 's no way my credit score should have dropped by XXXX points when I have records to show that I have been making consistent monthly payments for either the minimum amount due or an amount higher than that. I have a total of about XXXX loans with Navient and I expected the monthly payment to go towards my loans. 

Just recently, I made a big payment to Navient and now they 're trying to pull another payment from my account without my permission. This has caused my checking account to be hit with XXXX returned item check fees. At no time did I authorize Navient to take an automatic payment. I self-pay my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Turning Point Solutions LLC
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I had a missed called on XX/XX/XXXX from XXXX. There was no message left, I called back and spoke with a man. I asked what company I was calling and he told me a totally different name from the actual company. I was told about a XXXX balance that was owed to check and go. I told him I never received a bill from them and I would like one and if I agree, I could make small payments. He told me that I could pay a settlement, I told him I do n't have it. He said, well we show your working full time, I said yes not for long because I am going out on medical leave. Can you please send me a bill. He then goes to tell me, the creditor can garnish my wages and get more than a small payment from me. And that he 's going to let them know I wo n't agree to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I wrote a check to a university for {$370.00}. It was stolen and the perpetrator added a " XXXX '' in front of my " {$370.00} '' cashing the check for {$1300.00}. This happened XXXX XXXX. My bank credited my account for {$1000.00} almost immediately. I had to fight to get my {$370.00} back. Although obvious fraud, my bank filed this as an " encoding '' error. Therefor, the my bank debited the {$1000.00} they had credited me on XXXX. Took money back XXXX. No advance warning, nothing. Obviously, the bank moved money from my savings to cover funds shortage for bills, etc. Going into month 4. Fraud, not my fault, but my bank has n't given me my $ $ $ $ back!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This is an issue concerning an international wire transfer. I had recently opened a basic checking and savings account with Bank of America. At that point, they had proceeded to give me a form titled " To Receive a Wire Transfer '', amongst other forms, in an official welcome packet. The teller then filled out the form, in regards to information such as " Beneficiary Account # ''. 

I then gave said details to my father, in order for him to fulfill an international wire transfer, so I could receive funds to pay for my school tuition. The number written on the form, in my opinion, was written down differently as to what the actual account number was. This lead to my father 's international wire transfer being rejected. 

My father had originally sent an amount of XXXX XXXX, which had converted to XXXX US Dollars, at an exchange rate of XXXX ( XXXX to US Dollars ). However, when the money was returned, only an amount of XXXX XXXX, after an exchange of XXXX US Dollars at an exchange rate of XXXX was applied, was returned to my father, which has led to a substantial financial loss of XXXX XXXX. 

After hearing about this, I immediately proceeded to go to the Bank of America branch, located on XXXX XXXX XXXX. After explaining my situation, I was told to wait for a long period of time for the manager to see me, repeatedly being told to come back at later times because she was not present. After finally being able to see her, I was abruptly dismissed from discussing the matter by her saying that that document was not an " official '' document and that it was simply a courtesy to me, as well as her telling me that Bank of America would not accept any liability for this. The meeting may have lasted for XXXX minutes or under. At this point, I ask you, how am I, as an unknowing customer, supposed to distinguish between what an official document is and what is not an official document when there is no clear labeling on any of the documents and does this warrant me losing XXXX XXXX, for a matter that I do not feel is my fault? 

After this incident, I explained to my father what had happened and he proceeded to go get his own explanation from his bank manager, XXXX XXXX, at XXXX, XXXX branch. He then told me that in order for an international wire transfer to be submitted it requires both a valid beneficiary name and beneficiary account number, which as you by now know was not present. If those aforementioned details are not available, the transfer amount is simply rejected and returned with no charges or internal exchange rates applied, except that of the administrative charges associated with international wire transfer, which in this case should be XXXX US Dollars. At this point, I have proceeded to approach you, the Consumer Financial Protection Bureau, to help me in resolving this case. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: TX
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 just read about the complaint filed against Navient ( formerly XXXX XXXX ) and I was subject to those issues. I was encouraged several times ( and took the advice ) to enter into forbearance. Never once was offered an income-driven repayment plan when I struggled to meet high monthly payments. Fortunately I was able to the loans off just a couple years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Called me at XXXX on severeal ocassions. Calling repeatedly while i am at work between XXXX & XXXX eastern standard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My student loans are from my days at the University XXXX XXXX ( XXXX, XXXX ) and at XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ). 
I increased my monthly payment to {$500.00} per month, to pay down the principal. My credit report shows the payments as {$490.00} per month. I wondered why/how {$500.00} could become {$490.00}, so I called the Navient. I was told to provide a copy of the credit report, which I did, along with detailed explanation of my question. ( I sent it by certified mail. ) I asked why the AAP ( actual amount paid ) was shown a dollar short each month. I also asked Navient to fix it. 
The following week, I received a letter, which answered a different question ( I had asked XXXX, clearly marked, questions. ) The letter neither acknowledged nor addressed my concern about the mis-reporting. 
A month later I received an additional letter. Here is what it says ( in part ) : XXXX " You recently asked us about removing information from your credit report. We 've conducted a thorough investigation regarding your concern ( s ) and reviewed the information you provided to us. Our research has concluded the information we 're reporting to the consumer reporting agencies is accurate and no corrections are warranted. 
" The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy. Navient can not remove accurate information previously reported. 
" If you still believe the information reported is not accurate, please provide additional supporting information such as a copy of your credit report,.... '' XXXX As I wrote above, I sent documentation, I asked why there the information was incorrectly reported, and I asked that it be fixed. I was told there is no problem, and that a copy of my dispute would be attached to the credit reports. The letter I received made no mention of what it was that I asked. 
An additional concern is that Navient seems unable to send me a record of past payments which includes the remaining balance of my loan. This is important, because the credit report shows the remaining balance, but it also shows the erroneous {$490.00} payment. I want to see if Navient is also reporting an erroneous amount of my loan being paid off. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company is attempting to collect a debt that is beyond the statute of limitations for a lawsuit, 4 years in California, and reporting the account beyond the 7 year limit for credit reporting. I have written to this collection agent asking for verification of this debt to establish these dates and also to establish that the agent actually either owns the debt or is acting on behalf of the original creditor. When I telephone the collection agent about this, an agent asks for payment and tacitly implies that that the debt is not beyond the statute of limitations and that it is empowered to take " further action '' on this zombie debt, when such is not the case. 

After disputing the information in the credit bureau, this collection agent 'verified ' the information that it was reporting as being correct. Yet when I subsequently telephoned the collection agent I was told that it had received my request stated above and that it was 'investigating ' but that it had no information on the account and had to retrieve information from the original creditor which 'takes up to 30 days '. I confirmed that my dispute was received by the collection agent PRIOR to the time the collection agent responded to the credit bureaus that the debt was reporting correctly ... a violation of the FCRA. Moreover, the collection agent failed to mark the debt as 'disputed ' in the credit bureau ... another violation of the FCRA .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Re case # XXXX/XXXX : I have been informed by CFPB that Wells Fargo Mortgage has requested another extension to address my complaint. This CFPB is totally unacceptable and inconsistent with your mandate to protect the consumer from mortgage related fraud. I have for the past three years asked Wells Fargo Mortgage to disclose, as required in any mortgage closing, the reason for attaching an amount of {$7800.00} to my modification. As you can see from my many complaints filed with CFPB this major mortgage lender -- who has been fined by the federal government for mortgage abuses -- continually stonewalls my and now your attempts to get the bare minimum disclosure on what an " unpaid principal balance '' is and what charges are contained in the amount. It was never explained, as I have noted several times to you and WFM, and now, again, they have requested an extension to " research '' the charge. If it is not readily available in their loan documents, and more important they ca n't explain what it is, then they should remove it from my statement and confirm with CFPB that this sort of activity is not a normal process in other modified mortgages nationwide. It is a serious issue when one of the largest lenders in the country ca n't disclose, explain or locate documents related to consumer mortgage modifications/refinancings. They likely utilized my mortgage under the omnibus federal settlement as an example of " keeping a qualified homeowner '' in their homes under HAMP. Enough is enough CFPB. Please require an immediate resolution to my complaint or fine Wells Fargo Mortgage for their continuing delay in responding to a very simple legal mortgage closing requirement. Thank you, 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 2017-02-03
Company: Navient Solutions, LLC.
State: NH
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am called at least daily by Navient regarding student loan debt I co-signed for, starting the day it is over due, and continuing every day thereafter. They say " cease and desist '' is not applicable. The payment is {$390.00} per month and has never been more than 30 days behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged {$35.00} for XXXX overdraft fee 's for charges less {$10.00}. I am going though financial medical hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: GA
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:
Navient forces you to become delinquent before they will offer any lower payment arrangements. This has ruined my credit. Instead of an income based payment, they demand a payment that is always much higher than I have left over from paying bills ( bills=food, rent, electric, water, gas, medical ). Also, they claim that they are only charging me 1 % interest while on the repayment program but my balance never goes down. Also, Navient uses scare tactics to threaten you into accepting their final offer for a lower payment that I really ca n't afford to pay. In order to make payments to them I have to put food and gas and utility bills on my credit card and I am forced to always pay my bills late because I feel forces to agree to pay Navients high pay back plan. Navient also reported me XXXX late to the credit bureau before I was 90 days late. In fact my last payment to them was on auto-pay that they took out on XXXX/XXXX/16 and then on XXXX/XXXX/16 ( five days later ) they reported me as late. I found a house to buy not long ago, and the mortgage would have been less than I was paying for rent ( a lot less ) and I could not buy it because of my Navient school loans. The house cost XXXX and the lender told me if it was not for my student loans that I could have bought the house. I am providing for my wife, XXXX daughters and my Mom. My Mom is dealing with a lot of health issues. My income provides for a family of XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America will not cancel a home equity line of credit. They acknowledge the {$0.00}. balance and received the written request XXXX XXXX 2017. BofA claims a flood insurance policy has or will be, forced placed, as a " revenue enhancer '' to protect the {$0.00} balance. The home equity/ mortgage dept.says they have no control over this, and transfer me to the insurance dept. The insurance dept says it is entirely up to the home equity/mortgage dept and they transfer back to the home equity/mortgage dept. The two department do not agree as to the amount I should pay but they do agree my balance is {$0.00}. I have wasted several hours on the phone with BofA often getting switched between the two departments. In the XX/XX/2017 mail I receive a statement for XXXX balance with a insurance charge of {$3600.00}. ( This is the first bill I have received ). I called again today, and again got switched from dept to dept. everyone agrees this should be XXXX out, but not by their dept, the other dept has to handle it. They also said I would not get an insurance policy but they would send a certificate of Insurance although the starting date would over a month ago.. Today, I wasted another hour and a half on the phone with bank of America. 
I just want bank of America to stop this nonsense and close all my accounts

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