BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I responded to a XXXX vacation rental listing XXXX # XXXX XXXX for a townhouse located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL asking if this property was available for rent for XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX responded by email indicating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL was available for rent for the XX/XX/XXXX period for a monthly rental of {$2000.00} plus a {$500.00} security deposit and a {$250.00} cleaning fee. Payment of these funds was to be made via bank deposit, XXXX or XXXX. 

On XX/XX/XXXX, XXXX XXXX emailed to me a rental agreement form and instructions for the transfer of funds. Funds were to be transferred to a Bank of America account of XXXX XXXX wife - XXXX XXXX. The account # is XXXX and the routing # is XXXX. The bank is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

On XX/XX/XXXX, I completed and signed the rental agreement and faxed it back to XXXX XXXX XXXX XXXX # XXXX ) and transferred {$2700.00} to XXXX XXXX XXXX wife 's bank account, On XX/XX/XXXX, XXXX XXXX confirmed via text, the receipt of the full amount of {$2700.00}. 

I became concerned about internet scams involving vacation rentals and on XX/XX/XXXX I was able to retrieve from the XXXX XXXX Florida public data base a copy of the Warranty Deed for XXXX XXXX. The Warranty Deed indicated that XXXX XXXX XXXX is not the owner of XXXX XXXX and therefore has fraudulently listed this property for rent. 
Subsequently, I spoke directly with the property owner and he confirms that his property is not available for rent. 

I have telephone, emailed and texted XXXX XXXX indicating that I wished to cancel the rental reservation and requested that my deposit money be returned. XXXX XXXX has not responded to repeated attempts to contact him nor has the deposit money been returned. 

Bank of America confirms that XXXX XXXX XXXX bank account has been closed and after contacting XXXX XXXX they indicate that XXXX refuses to authorize the transfer ofdeposit funds back to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Essentially when I left school at the XXXX, I was left with the burden of very large student loans. Half of these loans are serviced by XXXX XXXX ( now Navient ). When I first applied for these loans they made these loans seem like cake and rainbows and that nothing was better. They offered me what they call XXXX, which are anything but 'smart '. They have been unwilling to work with me to come to a reasonable payment option for these loans, and as such I can not possibly make the payments required currently for these loans which puts me and my cosigner at great risk. When talking on the phone with them they seem to everyone just has money growing from a tree in their front yards. I have attempted now to find a solution to lowering my payments in any fashion as I have exhausted all of the forbearance limits they have in place. They have not been willing to work with me and I now risk defaulting on these loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Late fee

Complaint:
I have XXXX credit cards with Chase Bank. XXXX is a Chase Freedom, the other a Chase Sapphire. I have had auto-pay set up on both cards for the majority of time I have had the accounts, several years at this point. Recently my credit card was turned off, and when I logged into my accounts it showed that both were past due. Moreover, the automatic payments system I had set up had been turned off, triggering the late fees and the card shut down. I never received any notification from Chase that they had turned off my auto-payments. When I called them they told me they were n't sure, but that the auto payments may have been turned off because one of my payments bounced a few months ago ( I was merging bank accounts with my husband, which caused the gap ). However, I have since made payments using that same account multiple times since, it is a good account, and at the time they turned off my credit cards had more than enough in it to cover my minimum payments. I want to be sure that they do n't do this to other customers - I do n't think a bank should be able to turn off auto-payments and trigger undeserved late fees without notifying a customer. They returned the late fees when I complained, but I could have totally missed it if I had n't been going through my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested several times validation of this debt listed and still nothing has been received. Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I disputed this account via XXXX and the creditor removed it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been trying to get The Bank of New York Mellon to honor this agreement with your office. The Bank of New York Mellon and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The Bank of New York Mellon never notified me of being in default nor have they sent any notice of acceleration. I have not received any statements as to who to pay from my original lender. The state court is fully aware the assignment is fraudulent ... because it was created and prepared by The Bank of New York attorney who is representing them in State Court. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less?

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 2016-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
bank of America modification process discrimation

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 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
Bank of America/ MBNA did not follow through regarding a payment plan as described. I have been following up requesting information and communication in writing, and MBNA refuses. This is causing me XXXX and damages.

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 2017-02-22
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Navient Solutions, LLC.
State: NH
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:
Hello, I had to file a complaint approximately 2 years ago in order for XXXX XXXX to reach out to me regarding an interest rate reduction plan in order to make my student loans affordable. In XX/XX/2014 they terminated my interest rate reduction plan for no apparent reason, siting the fact that the payment amount owed was not paid. I was setup for automatic payments being pulled from my XXXX XXXX checking account. This should not of happened. 

Since then after phone calls and trying to ensure that my interest rate reduction plan would continue, no one proved to mention the fact that XX/XX/XXXX payments had changed. They still pulled the original amount setup through the rate reduction plan $ XXXX/mo. and just continued to let interest build on my principal balance. 

I have setup the interest rate reduction plan yet again and I just received a past due notice even though they setup the payment to pull on the XXXX of each month. This is making it impossible for me to payoff my debt and push towards a goal of financial freedom. Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Bank of America is attempting to foreclose on a property. The TILA Agreement was never presented. Only the HUD Settlement Form. I requested the Title Company XXXX XXXX to send all of my documents which I signed at closing and there is no TILA Agreement. Furthermore, the Entity in which the Note and Deed of Trust are assigned to is America 's Wholesale Lender " A Corporation '' which did not exist under XXXX Law and does not exist under XXXX Law. XXXX Trustee and Bank of America are initiating a Foreclosure set for XXXX XXXX, XXXX and America 's Wholesale Lender never responded to a Qualified Written Request. The Qualified Written Request to America 's Wholesale Lender was Sent via Certified Mail Return Receipt Requested back in XXXX and never responded nor did Mortgage Electronic Registration Systems which are other parties listed in the Deed of Trust as Lender and Beneficiary. America 's Wholesale Lender A Corporation does not exist as a Corporation Tax Payer in XXXX. Therefore, I would like to have in writing who is the appropriate lender who has standing to foreclose. Otherwise, I would like to take the appropriate action to Rescind the mortgage since XXXX advised in XXXX that they were not the Lender, Owner of the Property or the Loan. Since the Truth and Lending documents were not issued at closing, and I can not contact the Lender for the TILA Agreement with a existing entity, I would like to know who is the true Lender to the note and deed of trust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a collection from National Credit Systems reporting on my XXXX and XXXX credit report. I have disputed this account on several occasions on the grounds that I have no knowledge of the debt and request a full debt validation on this account. I have requested over XXXX debt validations on this account in the last 8 months with no debt validation being received. This is XXXX separate violations through the FDCPA. The first violation being that they are continuing to report negative information on my credit report that is inaccurate and XXXX they are well over their 30 days allowed to send requested proof to myself as a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter on XX/XX/XXXX from Transworld Systems Inc., regarding a " past due '' account balance of {$240.00} I supposedly have with XXXX XXXX XXXX ( XXXX ). The letter is dated XX/XX/XXXX. It provides no detail regarding the when this account balance is from or what it relates to. There is no way of verifying this information to be valid without calling XXXX and providing them with my personal information and " account number '' listed on the collection letter, since I have no current account with them. I refuse to provide them with this information with no current account. I have not had an account with XXXX since XXXX of XXXX and have received no form of correspondence from XXXX notifying me of any outstanding balance since then. It is absolutely ridiculous that I can receive a collection letter for a company I have not even had an account with in well over 3 years and no way to identify what the debt could be relating to. 

I find it very unethical of XXXX and Transworld Systems to attempt to collect a debt without providing any information regarding when and where the debt is from or any way to confirm its validity ( I don't believe it to be ). I am attaching a picture of the letter I received, for reference. I hope the CFPB can assist me in resolving this, so as not to negatively affect my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The credit company contacted my Team Lead at my job looking for me and they wanted information about me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: CHARLES SCHWAB CORPORATION, THE
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX a hard inquiry was put on my credit report from Charles Schwab. I reached out to Charles Schwab fraud department and they said 7 checking accounts were open in my name and have been closed. The fraud representative from Charles Schwab said that the hard inquiry will be removed off my credit report in seven days. On XX/XX/XXXX the hard inquiry remain on my credit report. I reached out to Charles Schwab fraud department and they informed me that the accounts were still open.

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 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Hello, I am reporting an issue I had with Bank of America due to their negligent check clearing practices and their arrogant and unresponsive behavior. My predicament dates from XXXX, so, I am not sure if there is something that can be done about it now. 

In XXXX XXXX, I was a victim of check fraud with my account at Bank of America. A fake company offered me a part time job to act as their donations distributor and asked me to disperse funds after the check that they would send over has cleared. Being naive and a student at that time, I fell in their trap and deposited their check upon receipt at my Bank of America Account. Being a little skeptical, I specifically asked BOA to let me know when the check clears so that I can assure myself and all they said was that the funds will be available after 3 days. 

I waited for 15 days to see if the check has cleared. After 15 days, when I did n't hear anything from the bank, I sent the money to the fraudsters somewhere in XXXX. 

However, bank of America came back to me after 45 days and informed me that the check I deposited has bounced. I tried to plead with them and explain them the situation and they did nothing to help me. Their collections department acted arrogant and did n't care to call me back or talk to me despite numerous attempts to reach out to them. They then reported my account to a third party collections agency and had me reported on XXXX because of which, I could n't open a new bank account for XXXXXXXX years. 

They made me go through unnecessary pain and their collections department didnt even respond to my calls or was willing to work with me. As a result of their check clearing practices and unresponsive behavior, I ended up losing XXXX dollars since they forced me to pay this amount back to them from my own personal pocket. 

Even though its quite late, I would appreciate if something could be done about this so that other innocent folks do n't go through the same pain that I went through. 

Thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
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:
My checking account with bank of America was purposely overdrawn because the bank would process a check ACH and deduct the amount from my balance. Then a paper check would come through and they would back date it to before the date I wrote the check. This would cause the ACH check to over draw my account and I would be charged a XXXX dollar fee even for items that did n't overdraw the account. I am now so far in the red I am threatened with legal action

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 2016-09-07
Company: Navient Solutions, LLC.
State: CA
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:
In XX/XX/XXXX, I had an auto-payment of {$89.00} bounce. I called, made a manual payment over the phone, which they used to cover the XX/XX/XXXX payment INSTEAD of the missed XX/XX/XXXX payment. This happened for XX/XX/XXXX as well, meaning I was technically a payment behind. Finally on XXXX XXXX, after they had called and texted saying I was behind and getting assessed a fee, I called them to make sure my account was up to date. Over the phone, the representative said yes that I was all current ( for XX/XX/XXXX ), failing to tell me that I still owed the extra {$89.00} for the payment from XX/XX/XXXX. Today, again I logged into the account, discovered low and behold I 've got a late fee and still a payment behind. Made an online payment, then called to find out why in XX/XX/XXXX I was told the account was up to date when clearly I still needed to make up the payment for XX/XX/XXXX. They said that when I called I was current because " technically '' though payments are due on XX/XX/XXXX, they do n't assess you as delinquent until XX/XX/XXXX. This still failed to explain why no one on the XXXX XXXX told me I was technically a payment behind. They did wave the late fee, but only after I raised a stink about how they should have been upfront about the fact that I was only paying the current month and not the back month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
BANK OF AMERICA XX/XX/2016

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 2017-01-28
Company: Navient Solutions, LLC.
State: GA
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:
I am with Navient. They kept putting me in forbearance, when I finally got an income based plan, they would n't let me renew and would come back with all these fees. When I tried to make extra payments to pay down the balance, they took the money as fees. When I fell behind they told me that they would waive the fees if I sent in {$500.00}. They put it in writing. I sent in the money, they took it and kept it. Told me what they would n't waive the fees and ignored the letter they sent. I uploaded the letter to their website, then called, they said they did n't get it. I told her I was looking at it on their website, on the tab market, loan documents, she told me that they do n't have it. I mailed it in, finally they told me they wo n't waive the fees they just told me that to get the cash, which they put towards FEES not my balance. 
No matter how much I send them, it never reduces the loans a dime, there is always some fee out there that takes it. 
Just non stop lies. I pay and pay and the balance keeps rising. When I call they say I am current, when I look on line it says I am behind. When I call back, they tell me to ignore it, its just fees. I can never get a straight answer over how much I owe or what my payment really is. It has been a never ending nightmare. I feel like I am going to die owing these loans.

Company response to consumer: Closed with explanation