BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Bank of America. Not a good option for XXXX XXXX military. 

In XXXX XX/XX/XXXX XXXX on active duty. Just before XXXX I replaced my BankAmericard Cash Rewards Visa. I had automatic bill pay setup for the account, but it did not carry over to my new card. I was not warned against this when I changed my card. Due to the fact that I was XXXX I did not receive my statements in a timely fashion so I did not see that I had an outstanding bill of approximately {$95.00}. Unknowingly my account went into delinquency. 

I noticed this - not from BOFA - but when I checked my credit to find a delinquency. In XXXX I noticed my credit score dropped XXXX points because my BOFA account was past due. Note : BOFA took no steps to notify me, except mail a statement that did not reach me because I was XXXX. The last time I had spoken to BOFA I understood that I had recurring billing set up. I immediately paid the minimal balance and requested that BOFA remove the negative report since it was their fault due to recurring billing fault. I addressed the issue with Bank of America and they did nothing. When I returned from XXXX in XXXX XX/XX/XXXX I noticed I still had the negative report. Since the beginning of XXXX I have spent countless hours on the phone attempting to speak to someone to fix this. The failure of their automatic payment service is the reason why this payment was late. They did not email or call. This is terrible treatment for someone that has limited access to communication because of XXXX service. 

I strongly warn XXXX military to find other banking services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Bank of America after receiving a promotional offer. The offer was to give me XXXX Alaska Airline miles for opening an account and making XXXX direct deposits within a certain time frame. I completed the requirements within the specified timeframe and called twice to confirm with supervisors that I met the requirements before the promotional period ended. The supervisors confirmed I met the requirement on XXXX separate occasions. 
It has been approximately 7 months since I met the requirements and I have not received the miles. When I call BoA they keep transferring me and I do not get an answer. On XXXX occasion a person told me my deposits did not qualify but I told that person I was told twice already they did. The person said he would forward my request to the promotions dept but I never heard from them. 
To be told after the promotional period they deposits did not qualify leave me no recourse to rectify. I opened in good faith the account and did all I could to meet the requirements and verify I met during the promotional period. The result of what I got was long delays in responses, no solid answers, and no miles.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XXXX XXXX I took out XXXX loans which totaled roughly {$35000.00} from XXXX XXXX so I could attend a XXXX XXXX XXXX XXXX XXXX in California. My interest rates ranged from 4 % up to 14 %. 
When I graduated 10 months later I was making {$11.00} an hour as a XXXX and making monthly payments totaling {$5500.00} in the first year. I struggled to make payments and was hounded by phone calls and letters constantly until I caught up. I was able to pay back over {$16000.00} the three years after I had graduated. 
When I lost my job the payments were too much for me to bear financially so I called XXXX XXXX and spoke to customer service. I was recommended to go into forbearance for lower payments and as far as I was told, forbearance was my best option. 

I tried to get info on how to remove my mom as co signer from my loans because at that point some of my late and missed payments had started to show on mine and my moms credit reports. I was never given any direction on how to do that and I was also told my mothers name would only be removed when my loans were paid off. 
In XXXX XXXX I started a lower {$110.00} a month payment arrangement which lasted for three years. I missed a few payments when my debit card that was in file expired and my loans defaulted in XXXX XXXX. 
I am currently paying {$250.00} a month to Navient plus {$50.00} a month to XXXX. 
My original loan amount was roughly {$35000.00} My current loan balance is roughly {$49000.00} I have paid {$28000.00} towards my student loans. 
Dealing with XXXX XXXX has been the bane of my existence for the last ten years. They use bullying, threats and misinformation to get paid and I truly believe that I am being taken advantage of along with so many other people from my generation who were just trying to get an education so we could get ahead and live the American Dream. Because of my student loans I 've had to put off my dreams of having a family and living in my own. 
I feel hopeless and uncertain that I 'll ever be done with these loans. The total is so large now and I have n't even made a dent in it in TEN YEARS. 
I would so appreciate any information that would help me get in board with this lawsuit against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Addendum to Complaint sent on XXXX XXXX : On XXXX XXXX, 2015 I received a phone call from XXXX XXXX, Bank of America, ( contact # XXXX XXXX XXXX XXXX ). She asked want I wanted to resolve my Complaint. I said I wanted to have my original application reviewed fairly. XXXX said since the review was " closed '' I would have to reapply. She persisted in trying to insisting this was a fact. I referenced all the communication I have received from Bank of America, including letters from XXXX XXXX, CRM, on XXXX XXXX, XXXX, and XXXX, to prove the case was stilled opened. 
I asked that she put this in writing, she refused. I then reference letters I had received on behalf of XXXX XXXX, XXXX XXXX from XXXX XXXX and on XXXX XXXX from XXXX XXXX, both were written by XXXX Customer Care regarding the modification application. 
Today, I received a letter from XXXX XXXX, XXXX Customer Care, which is clear shows the application is still opened it states I " should work with XXXX XXXX ... XXXX XXXX will be your primary contact throughout the workout the review process. I encourage you to work closely with her ad submit any requested information right away to keep your loan 's review moving forward ''. 
Also, previous letters state that we are further behind in our mortgage payments. 
It is apparent that BofA is continuing to use unethical mortgage practices, in evaluating this modification by false statements, misrepresenting facts, deceptive and misleading statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a hard inquiry on my report from Discover. I called Discover and the rep was not able to locate an account or application using my SSN.

She said I should dispute, as a hard inquiry should not be on my report if there 's not a account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This was my first time doing business on XXXX, and I was a beginner, so I sold a few items at a lower price. Later, due to family reasons, I stopped selling on XXXX. My money has been in Paypal, but I don't know why Paypal stole my money XX/XX/2019 PayPal - negative {$6500.00} XX/XX/XXXX Transfer P PayPal - negative {$6500.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6500.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6500.00} Transaction ID XXXX Seller info PayPal Note {$6500.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has an inaccurate hard inquiry on my report from XX/XX/2016 for XXXX XXXX XXXX credit card. I have followed all instructions from Equifax, including submitting a police report and contacting XXXX XXXX XXXX and XXXX XXXX Credit card companies. I have made numerous contacts with all parties and have been assured this would be resolved - but it has not as of this morning! The information reported, when compared to my personal information, proves this information is not consistent with my information - nothing except my name matches any information!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I AM WRITING TO COMPLAIN ABOUT A BANK OF AMERICA MORTGAGE POLICY THAT APPEARS TO BE DESIGNED INTENTIONALLY TO DRIVE UP FEES AND COSTS. 

Summary of the facts : My mortgage ( which is about $ XXXX ) was set up for automatic withdrawal/payment from a Bank of America checking account to my Bank of America mortgage. This arrangement had been working fine for years. In early XXXX 2016 I forgot to fund the account from which the automatic withdrawals were being made. Consequently, on XXXX XXXX, the date scheduled for automatic payment, there were insufficient funds in my checking account. I did not immediately notice my oversight, so the next day there were also insufficient funds. This generated a second overdraft. A few days later I funded my accounts, but Bank of America terminated my ability to make electronic payments to my mortgage. I have been fighting with Bank of America ever since to get my mortgage back on track and electronically accessible for payment. Bank of America refuses. They insist that I may payments with a certified check or a money order and they have informed me that I will have to make payments via one of these XXXX mechanisms for one year before my electronic payment privileges are restored. One of the telephone representatives I spoke with recently about this problem explained to me that I " needed to demonstrate that I was able to make my payments '' before I would be allowed pay electronically. I am able to make my payments. I currently have about {$8600.00} in my Bank of America checking accounts. But, Bank of America will not accept any method of payment other than by cashier or certified check. 

I can pay all my other bills electronically from my Bank of America account. I can transfer money to any other bank account in the world from my Bank of America account. But, I can not pay my Bank of America Mortgage from my Bank of America checking account. The only explanation for this practice is to drive up fees and costs. 

I will be glad to produce any additional documents that you might want should you agree to look into this matter. Thank you.

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 2015-08-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
hello i graduated in XX/XX/XXXX 2010 when at the top of the great recession was happing i went to XXXX and i still can not find a job in my field witch is visual-communacation i.e ( advertsing ) i have told, fromer XXXX, now navient that i am working part time at XXXX and my mom, lost her income and now i pay all the bills and they dont care .i am the working poor they kept threathing me with wage garish, and if they do i am finacly runined..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not know or owe, this company ERC {$990.00}. I have never done business with this company. They do not have my signature on a contract with ERC. A dispute has been filed, but it remains on my report. Please have this item removed as soon as possible. It has damaged my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, We refinanced our mortgage through XXXX XXXX which sold it to Countrywide which was absorbed by Bank of America. After having our second child we tried to sell our home to find something larger to no avail as the market came crumbling down. Bank of America ignored our calls and requests for over 12 months regarding loss mitigation options. Finally they told us they could n't discuss any options with us because we were current. In XX/XX/XXXX we stopped paying the Mortgage. We were told by Bank of America that we needed to find buyers if we wanted a Short Sale and we did on multiple occasions only to have BOA back out or not respond. We were forced to repeat this process numerous times to no avail. After we found a larger property to rent, Bank of America changed the locks barring us from entering the property XX/XX/XXXX / XX/XX/XXXX. We still tried to work with them but every 2 months they would say they were missing paperwork and the process needed to start over from scratch. In XX/XX/XXXX we filed Bankruptcy hoping that would give us a reprieve from BOA and the largely upside down property. We were discharged from bankruptcy XX/XX/XXXX. Unbeknownst to us, We now do not qualify for a new mortgage because A. we have a recent bankruptcy B. the property is still in my wife 's name ( even though the locks have been changed ) C. We get demand letters from the Condo Association regarding unpaid fees ( as BOA still has yet to foreclose the property ). 
We want to move on with our lives but there does not seem to be a way to do so ... Furthermore we will not qualify as 1st time home buyers when our Bankruptcy discharge hits 3 years, because BOA has refused to finalize the process they started 6 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX 2016 my ATM/Debit card was Lost or Stolen. I called Bank of America to report the card missing. The agent said the card would be blocked and a new card sent 7-10 days. I asked if I could obtain a temporary card to use from the local branch on XXXX, AZ XXXX. She said that temp cards were available. The next day on XXXX XXXX I visited the local branch to take out some cash and get a temp card. The agent that was assisting me said my missing card was not previously blocked. We blocked the card and I obtained a temp card. The next day my bank statement showed a {$5.00} fee billed to my account. It 's listed as " Replacement ATM or Debit Card Fee {$5.00} ''. I was never told during the times I spoke to Bank of America agents that I would have a fee. Charging a fee discourages me in the future from blocking a stolen card to try an avoid this fee. This is not fair and I believe violates my rights as a consumer to protect my funds, which I had just gotten paid. So the potential loss to me was great. For Bank of America it was an opportunity to make a profit. I did locate on their website this statement : Replacement ATM or Debit Card Fee {$5.00} per card Fee for each requested replacement of an ATM or debit card, including the replacement of debit sticker ( tag ) or other debit access device. The replacement fee does not apply when we replace a card upon its expiration. Bank of America Advantage ( R ) with Tiered Interest Checking Accounts, Bank of America Interest Checking ( R ) Accounts, Platinum Privileges ( R ) and Preferred Rewards customers qualify for a waiver of this fee. 
This nuisance fee takes advantage of people, like myself to protect my money from fraudsters and thieves. Please investigate this issue. Just because they have it listed in the fine print does n't mean it 's valid. Thank you.

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 2015-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Our California Home was Foreclosed on in 2008 after trying to get Mortgage reduction. There was a XXXX and XXXX, purchase money Loan originated by XXXX, subsequently taken over by Bank of America. 
Approximately two-years after the foreclosure, we began getting " Past Due '' statements from B of A, each month adding service charges. this has continued for every month, each time increasing the " Balance Due '' amount. 
Also during this time, we have recieved Warnings that they ( B of A ) are going to " Foreclose '' which already took place in 2008. 
California is a " No Recourse state '' and we received aknowledgement from the state. 
However, we have made numerous calls and spoken to numerous individuals at B of A who have apologized and said the matteer would be resolved, but it has n't been. 
B of A stopped reporting the deliquency to the credit bureaus a couple of years ago, and we have been told that the loand was " Charged Off '' but we continue to receiver the " past Due '' notices, each time with an increasing balance amount. 
Please helpT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Navient Solutions, LLC.
State: FL
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:
Left school in 1998, owing approx {$42000.00}, was injured and un-employed for over 8 yrs, contacted XXXX XXXX, asking about insurance on the loan. I was told that I would have to exhaust all other postponements and extensions before filing on XXXX insurance on the loans, consolidated my loans and use all of the deferments and exhaust all other programs to postpone payment before they would file on XXXX, did as they asked. XXXX XXXX never filed on any insurance and I now owe over {$100000.00} in student loans, due to fees and interest applied. If XXXX XXXX would have done as they said, I would be student loan debt free, but I am not and under constant threat of legal action. They have been exempt from federal lending and collection laws, so finding an attorney to help has been impossible!! I am now trying to work and re-build my life and credit. I am not able to purchase a home, due to debt to income ratio and credit scoore with an {$100000.00} student loan debt looming. I just want to pay what I should actually owe, approx {$25000.00} and move on with my life. No one will help me stand up to XXXX XXXX Navient now. I would n't have to have paid this kind of fees and interest on a 30-year mortgage, heck, the XXXX does n't even charge these kinds of rates. Please help or advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I just had the worst experience with a bank branch manager. I was trying to cash a check from my dad and XXXX who says she 's a branch manager refused the cashed the check. I told her that I would file a complaint and remember her name and instead of acting in a professional manner and controlling the situation she decides to scream out that I was a fraud in front of all the customers. I think it 's very rude, and she was speaking to me in a very very condescending manner and its very unprofessional of her that she would accuse me of fraud and not call and verify with my dad on the phone and also accuse me of a theif in front of everyone. I have no reason to steal my dad is a XXXX and does n't know XXXX and I 'm trying to help him pay his bills while these people are accusing me of fraud. She was so unprofessional I thought I was in the hood not at Bank of America. I do n't know what type of people is representing the company. 


XXXX XXXX Manager atBank of AmericaXXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Payoff process

Complaint:
I tried to payoff my balance on the credit card. I am experiencing financial difficulty and therefore wanted them to waive off the late fee to make the full payment on the credit card, but they would not do that and they mentioned that they would not want me to close the card. I am really disappointed that for a very nominal amount of money I have borrowed they interests rate have 19.2 % XXXX and the credit limit was never increased and they interest I have paid thus far is more than the amount I owe. And on top of this they really do n't give any other options other than to make sure that they rip the customers off. They are definitely counting on people like myself who have to borrow money to make ends meet but is unable to make the payment due to various reasons.

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