BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BANK OF AMERICA IS ATTEMPTING TO FALSELY FORECLOSING AS THE OWNER OF A NOTE THAT WAS SOLD TO ANOTHER ENTITY IN XX/XX/XXXX 
BANK OF AMERICA N.A.WAS NOT THE TRUE SECURED CREDITOR TO WHOM ANY ALLEGED DEBT WAS OWED AT THE TIME THE FORECLOSURE NOTICE WAS FILED. : Pursuant to NCGS XXXX XXXX c ) ( XXXX ) only the Secured Creditor can accelerate the maturity of the note. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX as substitute Trustee commenced this action by mailing a Notice of Default to the XXXX 's. Point 1 of this Notice states the following : " The Creditor to whom the debt is owed is Bank of America , NA s/b/m to BAC Home Loans Servicing. '' Concealing the true creditor. XXXX attached -plaintiff letter of default XXXX The representatives for Bank of America submitted an affidavit further concealing the true owner and creditor. ( attached-affidavit of XXXX XXXX and expert report on affidavit of XXXX XXXX XXXX A Response from a Qualified Written Request revealed that XXXX XXXX, not Bank of America , N.A . was the holder of the note on the date that the foreclosure was initiated. ( attached- letter from Bank of America confirming true creditor XXXX XXXX XXXX This finding was also confirmed by XXXX XXXX XXXX XXXX XXXX XXXX confirmation ) XXXX XXXX did not initiate the Foreclosure as required by law and XXXX XXXX XXXX XXXX, XXXX, Substitute Trustee, should have filed the action on behalf of XXXX XXXX as opposed to Bank of America , N.A .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On my flight from North Carolina to Minnesota, the flight attendants were soliciting credit card applications for their XXXX mastercard. As a one time opportunity, they were offering XXXX miles and with no annual fee. The fee would be waived. 

I applied since the outrageous annual fee was being waved. I was approved, I got my card and made a couple charges. When I got my first statement, the outragious {$99.00} annual fee was added to my account. I called customer support and they informed me they they will not waive the annual fee.

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 2022-03-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo bank offered a & XXXX bonus to people that opened a direct deposit account in 2021. My banker never made me aware of this bonus XXXX XXXX, I found out about it by accident now the bank will not honor there bonus and I have spent hours on hold and no response. 
Sincerely 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 non-monetary relief
Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: IL
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 have private loans with Navient, they use to be with XXXX. I was denied any kind of Assistance with payment. I was only allowed to go on the graduated payment scale which is extended. that was the only way that I could get my payment down to something I could attempt to afford at the time. I did n't have a " real '' job and I did n't have any more forbearance time. I eventually reconsolidated my loans after my first wave of loans and once I was into repayment and I was done with Private loans, I asked to have my loans put into my consolidation. I later found out that it restarted my clock.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: The CBE Group, Inc.
State: TX
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:
On XXXX XXXX, 2015 I received a collection letter from XXXX ; for debt that had been deleted from my credit report in XXXX 2015 due to CBE Group 's failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from XXXX ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My Capital One Credit Card for the statement dated XX/XX/2020 was {$18.00}. The statement balance Id {$18.00} was paid in full in XX/XX/2020. Well before due date of XX/XX/2020. However onXX/XX/2020Capital One debited my checking account for {$18.00} despite fact statement balance had been paid in full. 
I reached out to Capital One via XXXX on XX/XX/2020 and was told to call XXXX. 
On XX/XX/2020 I called and was on phone from XXXX XXXX to XXXXXXXX 
I was told even if you pay statement balance in full Capital One will still debit your checking account for the minimum monthly payment despite fact statement balance is zero. 
I do not feel checking account should be debited for minimum monthly payment if statement balance has been paid in full before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I just finished paying off my store credit account which had " 18mth no interest '' which was actually 18mt differed interest ( not disclosed at time of application ). In store at time of application for the store credit I was offered " 18month no interest ''. I was told no penalty if paid early and if I go past the 18 month, interest would only apply to the remaining balance like usual credit card promotions. To my surprise after paying what I thought would be the last payment at the 19th month mark I was charged the full 18months worth of interest. At no time in store was a deferred interest account discussed. And the company has refused to remove the charges because it was supposedly stated that I would be charged the full 18 months interest on my monthly statements. It did however state the deadline and that if I did not make the deadline i may be charged. But in store I was told no charges so why should I have been concerned? False application process, and unclear statements in regards to this promotion. ( in the image attached of the documents I was handed, you can clearly see by the lack of my signatures and completed info that this information was not clearly conveyed at time of application or in the attached pdf statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: MO
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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently tried to tried to log back into my Capitol One account online so I could reactivate my credit card as I need it for some vehicular purposes. My regular username and password did not work and so I put in other personal information and once I did, the page listed a number that I needed to call to fix the issue. 

I eventually got through to an " operator '' who said that he could handle the issue then asked for my name, date of birth, and social security number, which I naively gave, then he hung up. I googled the number, which is XXXX, and there were a list of complaints of suspected phishing and scam attempts. 

I then called the number on the back of the credit card and put in the 16 digit card number and was immediately transferred to another company and a lady answered, asking for my bank account number and social security, which I then hung up. 

Now I'm a little worried. Even help would be much appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: VA
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:
Certified letter was sent and electronically confirmed received by Experian on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX, requesting copies of documents on file proving the debt had been validated, for example signed and dated contracts, itemized billing statements copies, and anything else that was in my credit file. 

As of today, XX/XX/XXXX, I have not received the requested information. 

They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation. 
XXXX and XXXX proof of certified request received is also attached. 

Please note that as of today, XX/XX/XXXX, I have not received the requested information. I spoke to XXXX different people at XXXX, XXXX XXXX, XXXX XXXX, XXXX Special Handling Rep.and XXXX XXXX, Senior Supervisor. They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation as a consumer.

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 2022-03-18
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In summer 2021, I received notifications to recertify my XXXX despite the COVID-19 forbearance/moratorium on all federal student loan payments. I completed the IDR so as to not default on any PSLF payments, and my amount due tripled. I recently learned that during the COVID-19 forbearance period, I was NOT required to recertify my XXXX payment plan despite reminders from FedLoan Servicing that I needed to complete that paperwork. I'm trying to contact FedLoan to revert back to my old payment plan as I'm legally allowed to do so. FedLoan was VERY misleading and never informed me of this. I only found out about this incredible cost-saving option through XXXXXXXX XXXX PSLF thread. The fact that no one is advertising this will have serious financial implications for those who got married, had children, or other major life events during the pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31
Company: CITIBANK, N.A.
State: RI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We purchased a ring at Zales on XX/XX/XXXX. They had an 18 month XXXX interest financing promotion so we decided to take advantage of it. We financed {$6900.00}. We had an auto pay set up with Zales/citibank, they told us that they would notify us in writing when the promotional rate was going to be over so that we would pay the balance off in full. On XX/XX/XXXX, they call us and say that we owe them money and that it was a collection. We were shocked as we had been paying through autopay all along. Then they tell us that we owe an additional XXXX because the promotional rate expired. We told them we should have been notified in writing when the promotional rate was going to expire so we could pay off the balance and when our auto pay would cease. This was never disclosed to us when we purchased the ring. The promotional rate when we called expired on XX/XX/XXXX. They do not give appropriate disclosure regarding financing and it is a big issue trying to get in touch with someone to help resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This loan was for XXXX to date i have paid {$640.00} and still owe XXXX the company is not interested i resolving this matter i can not longer afford the payments it was never made clear even thought they say they did i can not make the payments any longer and i hope they will consider the loan # XXXX paid in full.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX I, XXXX claims i owe {XXXX} and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.

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 2016-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We wanted a loan mod from Bank Of America. After receiving the loan modification offer we have decided not to accept the loan modification. 
This whole process has been, in my opinion, a big scam and a disgrace to Bank of America. 
I was led to believe that a real solution, specifically a ten year interest rate reduction to 2 % and a rate of 3 % for the remainder of the loan was what I was working for. After 8 months of continuous uploading of documents, constant phone calls, etc, I was offered a 30 year loan at 5 %, thereby costing me an additional $ XXXX over the life of the loan. I do not see how this is supposed to help me. 
In addition, without my authorization, an escrow account was opened for taxes and insurance. I already pay these items myself and at the time of the mortgage initiation we paid Bank Of America a fee to do so. 
An unauthorized tax payment of {$2600.00} was made in XXXX of last year. Because of this erroneous payment my mortgage payment has increased by {$830.00} per month, from {$1600.00} to {$240000.00}. 
This is beyond " a mistake ''. This is fraud and I intend to treat it as such. 
I have multiple personal and business accounts with Bank of America, including more than one mortgage. After this I intend to take all of this business elsewhere as some as possible

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 2015-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
www.Bank of America. 
XXXX ( 3 hours ago ) Replyto bcc : meBank of America XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXEmail XXXX XXXXXXXXXXXX XXXX NOTIFICATION OF CREDIT FROM BANK OF AMERICA. 

Attn : Beneficiary, We have this day of Monday, XXXX XXXX, 2015 received a payment creditinstruction from the Federal Government of U.S.A to credit youraccount with your full Inheritance fund of US $ XXXX from XXXX account with our bank, Bank of America XXXX However, youshall require providing the followings data 's below : { 1 }. Your Full Name and Address ... ... ... ... .... 
{ 2 }. Your Confidential Tel, Cell and Fax ... ... ... ... .... 
{ 3 ). Your Bank name and address ... ... ... ... ... 
{ 4 ). Your A/c Name and A/c Numbers. : ... ... ... ... ... .... 
( 5 ). Your XXXX Code / Routing Numbers ... ... ... .... 

Please do provide the above information accurately, because thisoffice can not afford to be held liable for any wrong transfer of fundsor liability of funds credited into a ghost account. 

Secondly, the only money you pay for the transfer to take place isjust {$280.00} usd and you are giving 24hours to send the payment andplease be advise that you are to send the payment to XXXX XXXX in XXXX XXXX and you are to use this information to sendthe {$280.00} usd and please be informed that you are not going to pay anyother payment to any body and do not be deceived by any body to sendany other payment. 

Here is the information you will use to send the payment through XXXX XXXX. 

Receiver 's name / XXXX XXXX / XXXX, XXXX XXXXAmount / {$280.00} usdSend us the MTCN once you send the payment. 

Thanks for banking with Bank of America while we long forward toserving you with the best of our service. 

Thanks and XXXX bless you. 
Regards, Yours in Service, XXXX XXXX XXXX B O A XXXX Branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently reached out to the TN Dept of Human Services regarding inaccurate information that they have supplied to the credit reporting agencies.

They are in clear violation of 15 US Code Sec. 1681s-2 : Responsibility of furnishers of information to consumer reporting agencies, because they do furnish information and they have a duty to provide accurate information - THEY HAVE FAILED TO DO SO.

I have asked that they validate the debt - pursuant to 15 US Code Sec. 1692 g validation of debts, I have a right to request all information pertaining to said debt, as this company continues to garnish my wages and I KNOW THAT THIS HAS BEEN PAID OFF, therefore, show me the amount that I owe.

This erroneous information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes.

I am including my check stub, the letter received from the furnished, and the inaccurate information that they continue to furnish.

Your assistance in this matter is crucial THIS FURNISHER IS IN COMPLETE VIOLATION AND THEY ARE IN WILLFUL NON COMPLIANCE

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 2021-08-27
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/2021 I started working with Ally Financial Inc 3rd party for a car loan. 
The debt was settled and taken care of on XX/XX/2021. On XX/XX/2021 a letter was sent to me. On XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX I contacted Ally Financial for a letter just to show that the debt was settled. 

I did a conference call, I wrote on XXXX, I emailed and have yet to get the letter.

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 2016-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
After a prior complaint weeks ago to the CFPB, boa acted like they would send me a quote and let me reinstate. Now I see they are going to foreclose on me tomorrow, XX/XX/XXXX at XXXX. I am able to pay, but boa seems not to want to let me pay. They are trying to trick me into foreclosure instead of letting me pay. Please help!! 
This is retribution for my earlier complaint. I can pay if given the chance!!

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