BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America ( BofA ) has not honored a {$300.00} checking account promotion I signed up for in XXXX, and fulfilled the terms on. BofA was supposed to pay the {$300.00} bonus within 60 days of fulfilling the terms, which was over 15 days ago from this complaint. 

I have been a BofA credit card customer since XXXX. Last year, I logged into my BofA credit card account and had an offer box on the side stating a {$300.00} bonus for opening a new checking account. I clicked on the link, which took me to an application page where I then signed up. There was no promo code, only the link. I did print off the offer after following the link, which I will try to attach and which I completed all terms for the promo. 

Yesterday I did an online chat with a BofA representative ( there was no option to SM them ) to inquire, and he said he could not help me but I needed to call their main checking account number ( XXXX ) to inquire. The person there said they could not see the promo code on my account but gave me a new internal number for marking online redemption issues ( XXXX ). I then called that number, and the person refused to deal with me since it was supposedly an " internal '' number. I then asked what number I needed to call to talk with someone and submit my records ( being very clear it was a checking account issue ), and he assured me they would handle it at XXXX. When I called THAT number, it was corporate credit cards, and they said they had no jurisdiction to help me! 

It 's obvious that BofA has XXXX interest in trying to assist customers with collecting the bonus they are due based on the almost 2 hours I put in and XXXX different departments giving me the run-around! Therefore, I 've resorted to filing this federal complaint due to the sinister organizational structure BofA has erected to try to get its customers to give up on collecting any checking account bonus due. I hope CFPB, besides resolving my issue, looks into fining BofA for providing no viable due process for a customer requesting a bonus and offering to submit evidence that they had signed up for it -- particularly since BofA offered this bonus online and how " convenient '' it is for them to claim the bonus offer was not associated with the account based on the lack of any paper trail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Experian report shows lates under XXXX XXXX that were removed almost a year ago. See screen shot XX/XX/2020 and XX/XX/2020 Experian re added lates that were removed by XXXX XXXX almost a year ago. You would thing after a late was removed it would not be added again. Doesnt Experian keep records so old information isnt added again. Im about to get a lawyer because this is ridiculous and XXXX and Experian are still correct with zero lates.

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 2016-12-13
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 am constantly besieged by " return of posted check '' fees, " returned item fees '', and " overdrawn balance fees '' simply by trying to pay my credit card bills with my Bank of America checking account. This is not the first time I have had this issue. When I first called, they gladly refunded the fees. Then they stopped, insisting there was no issue on their end. I do n't understand why, even when I have funds in my account to cover the bill, I get a " returned item fee '' the next day. Then, for some crazy and putatively fraudulent reason, Bank of America decides to charge my account again, knowing full well that the payment did n't go through the first time. Then once again, they charge me a " returned item fee ''! Then to add insult to injury, they assess " insufficient fund fees '' because they have been draining my account with these pernicious cycles of " returned check '' and " returned item '' fees!

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I made a purchase in the U.S. from a XXXX company, and paid in U.S. dollars, to their XXXX. Even though there was no foreign currency involved, Bank of America charged me a foreign transaction fee just because the merchant had a XXXX address. Bank of America has no idea whether the amount was eventually XXXX to XXXX or whether it remains in their XXXX in U.S. dollars, This is a clearly unfair policy and a possible violation of the Sherman Act by discouraging customers from doing business with certain companies.

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 2016-06-12
Company: Navient Solutions, LLC.
State: MN
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:
For the last 9 years I 've had numerous issues with my student loans, many I 've already voiced to CFPB, this is just another issue in a long line of problems. For the past two years I 've been on a " payment plan '' the deal was I pay for 3 months on time with automatically withdrawn payments and they send me a copy of my new updated contract, also after 3 months my interest is supposed to have gone down to 0.01 % because they 've already at this point charged me so much interest my loan is well over double the original amount. Well it 's been two years almost and nothing. I was kicked off the program once even with no notification, and they kept taking out the money every month, it was only after several harassing phone calls did we figure out we were kicked off. I was put back into the " payment plan '' about spring of last year and we still have yet to receive any notification of new contract, not only that but none of the payments I 'm making Are showing up on my credit report, it just says I have n't made any payments in over 90 days! This is preventing me from buying a home for my family.. We do n't qualify for anything because this loan is so greatly affecting my credit. They give us no contact information in the letters we do receive from XXXX, it 's a weird dept handling my loan and when I call no one can get me to the right person to talk to ... I 'm at me wits end, I want to start my life, care for my family and not have to pay almost XXXX what I borrowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
SCA Collections are reporting multiple medical bills on my credit report. I was alarmed to recently find these account on my report because I never received a notice of my right to dispute these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call My number and Automated machine service uses the following recording and asks for XXXX. if this is not XXXX please press 2. 
Once pressed 2 the menu says " To wait until XXXX gets to the phone please press 1. If this is not XXXX 's phone number and you wise to remove the number from the list please press 2 '' I press 2 Since I am not XXXX and I have this number already for a year. machine says " To be removed from the list you must hold the line to speak to a customer representative ''. SO I hold. and Hold and hold for over 30 minutes and A customer representative never gets to the phone. 
This has been happening for quite some time over and over again and its annoying. I am a business man and I need my phone for my business purposes.

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 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Transaction issue

Complaint:
I made a charge with my Bank of America credit card on XXXX/XXXX/16 to XXXX ( XXXX XXXX XXXX XXXX ) for the amount of {$810.00} for XXXX car payments on my daughters auto loan. On XXXX/XXXX/16 I learned via XXXX and my daughter that to date the money had not been sent to XXXX. To date this has been triple confirmed with XXXX including at their corporate level. I have spent over 20 hours on the phone with Bank of America since Tuesday XXXX/XXXX/16 trying to resolve this and have been practically brought to tears by XXXX of transfers, holds and complete lack of tracking my missing payment. I believe there is an issue of internal fraud. Bank of America has stated that my money is in limbo and they would have it credited back by XXXX/XXXX/16. It has been over 60 days!! To date it has not been credited and the new round of phone calls I have made to Bank of America this week have not led to a complete abandonment of any responsibility to do so. I have asked for proof of the electronic transaction number ( XXXX said they should absolutely have this if they made a payment ) with Bank of America refusing to provide XXXX. Then today XXXX/XXXX/16 after being on hold for 2 hours and 40 minutes I was transferred to a " XXXX '' in the " Dispute Dept. '' who informed be that my payment went to XXXX Bank and I would need to call them to arrange a charge back. This not only was a complete new excuse given for where my missing money has gone but I nor XXXX has any affiliation to XXXX Bank!! Bank of America refuses to explain how or why my payment to XXXX went to XXXX. I never ever authorized a payment to XXXX for any reason. Bank of America refuses to provide any documentation. To date we have already paid interest on money that is in Limbo and late fees to XXXX for the payments I made on XXXX/XXXX/16 that I never knew were never sent to XXXX. We have since had to bring those payments current with additional payments and are now getting the most extreme case of the run around from Bank of America about crediting the {$810.00} back to my credit card. I talked again today to the corporate office for XXXX that for the 3rd time combed my daughters account just to be certain the payment was not applied to her account. He verified it is not. He states he has never seen or heard of anything like this in the banking industry. He, like me suspects there is internal fraud behind my " limbo '' payment but I can get no where by calling B of A. I have called every day since XXXX/XXXX/16 and each call results in 3 hours of holds and transfers. Please help.

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

Complaint:
On XX/XX/XXXX, written correspondence was mailed to Navient Solutions , Inc. in order to establish a request to lower the monthly payment under the account in question ( see file ). The contents of this letter signify the client 's inability to proceed with the current monthly payment of {$340.00} due to financial hardship and loss of income, effective as of XX/XX/XXXX. 

Further specification requested that Navient Solutions , Inc. respond with written correspondence within 30 days of the letter 's date of receipt. However, no response has been carried out by Navient Solutions , Inc. as of XX/XX/XXXX ( Note : including all forms of communication as per a business-clientele relationship ). Failure to respond within the allotted time frame has resulted in an unresolved financial issue, officially pending as of the date of this entry and until Navient Solutions , Inc. has complied with the written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased the property in question on XX/XX/2014. However, the Seller engaged in a number of fraudulent activities as they relate to making structural changes to the property, but not divulging those changes to me. The Seller failed to abide by the XXXX Building Code Laws which required him to submit proper plans and pull a permit prior to making said changes. He never did that but failed to divulge that at any time during the acquisition process. Primary Residential Mortgage, Inc., XXXX, XXXX, suspected that some was wrong with the property and ordered to separate appraisals. However, they never requested that the appraisers verify that legal permits were pulled given all of the alterations made by the Seller. They failed to exercise the necessary due diligence under the Dodd/Frank Law. If they had requested that the appraisers verify that legal permits were pulled, I would never suffered the {$180000.00} in damages that I am attempting to sue them and the Seller for ; they were sloppy in abiding by the Dodd/Frank law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a voice-mail from XXXX XXXX at Pioneer Credit Recovery ( XXXX ) on XXXX/XXXX/16 at XXXX In the message she asked me to call her back about a teacher I work with, XXXX, with a reference number. I texted XXXX first to see what it was about and she said this woman had been harassing her and also contacting XXXX 's family members. I do n't know why she called me, but it seems like harassment to contact co-workers about a person 's debt. I did not call XXXX back and blocked the number. I do n't know how she got my name or phone number.

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 2020-08-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, I have had some issues with unknown addresses on my credit file. My SS is XXXX, my DOB is XX/XX/XXXX. I have some misspelling of my name on file that are not accurate ( please remove XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). The following addresses are not mine ,XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX, XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX OH, XXXX. 
I have unknown inquires from the following companies : XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, 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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an email from my university XXXX  on Tuesday, XX/XX/2021 at XXXX PM notifying me about a student loan disbursement and that I could cancel it " no later than 14 days from the date of this email ''. I emailed my university bursar on Friday, XX/XX/2021 at XXXX PM requesting that the loan be canceled. The university XXXX  notified me that the loan was canceled. I have contacted XXXX XXXX XXXX XXXX on XXXX different occasions via phone and have submitted XXXX disputes via Transunion. The issue still has not been resolved after 9 months.

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 2017-04-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  ,   XXXX  ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-08-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX purchased tickets to XXXX on XXXX XXXX. mid XXXX i try to reschedule or cancel with airlines told the flights will go. Dr suggest I do not travel to XXXX due to my age and XXXX. I contact airlines they refuse to help i am not able to understand options due to languaage barriers with some agents. I call chase they suggest dipute. I dispute and recieve a check in full late may..I am paperless, and due not check my statements until billing. I did not recieve notice on a reinstatement of these charges that WENT ON ACCOUNT XX/XX/XXXX. NOR DID I RECIEVE A STATEMENT FOR XXXX UNTIL XX/XX/XXXX, WHEN I SAW CHARGES CHASE SAID TOO LATE TO RE OPEN DISPUTE.??? I contacted XXXX  who cancelled my flight XX/XX/XXXX and refused to reissue a ticket and or my money. I have made 8 attempts via emails and calls to XXXX and chase all have refused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-21
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account has no contract it was cancelled by original creditor. 6years later this collection agency bought this debt and is trying to collect. there was no agreement nor contract with is agency and since i didnt agree with this collection agency on any terms i no longer liable for this debt. also they are unable to provide adequete paper work to show this debt is mine

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 2020-08-16
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : Discover Financial Services ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX Discover Financial Services ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX

Company response to consumer: Closed with explanation