BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a small business checking account with Bank of America, in part due to a {$100.00} bonus promotion. As shown in the attached advertisement ( which has been front and center on their home page for most of the year ), BoA promises a {$100.00} bonus posted to the account within 90 days, so long as a deposit of {$1000.00} or more is made within 60 days of the account opening date. The promotional ad and terms do not indicate that any other action is required other than depositing the required amount within that time frame. I have attached documentation showing a deposit of {$2000.00} on XXXX XXXX, 2015, less than one month after opening the account ( on XXXX XXXX, 2015 ). This falls well within the 60 day window stated in the fine print ). 

I have since had XXXX conversations with Bank of America customer service personnel ( some of which have lasted an hour, as agents round up information from various departments trying to figure out why the debit has not been posted ). Each confirmed that I seem to have met the criteria for the statement credit, and forward the complaint along for resolution. I only received a response from the company on XXXX of the XXXX requests for service that I filed ( Case # XXXX ), in which the emails states " Resolution action : Unable to complete as desired. To ensure the safety of your personal information we can not provide details related to your request in this notification. '' Upon calling the company, the agent noted that the back office requested I come into a branch, though this did not make sense to the agent given that it was an online promotion. The agent was not able to locate additional information, and promised to file another service request, but I did not receive a response. 

I have done as much as I can, and wasted a great deal of time that I could have spent more productively. Each time I am promised a resolution, which never materializes. I doubt that I am the only XXXX experiencing difficulties in receiving this promotion, and hope that some justice can be done. It is deplorable that Bank of America continues to promote this on their homepage while refusing to honor their commitments. They have already roped me into a number of fees commensurate with the bonus, but are refusing to take responsibility for their own commitments to their customers. 

As a small businessperson myself, I appreciate businesses that provide value to their customers rather than draining them of resources, energy and time. It is sad to see that Bank of America seems to fall in this latter category and that I am brought to seek out a regulatory institution to get a resolution. I am glad that there is a recourse to protect consumers who are being treated unfairly by the businesses they pay for service. 

XXXX XXXX, XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo is reporting to the credit bureaus that I defaulted on a loan as a joint account holder on a loan I NEVER took out. IF this account was opened, it was obtained fraudulently. I never opened a loan with WFDS. This account needs to be retracted immediately.

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 2016-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for Bank of America XXXX XXXX Visa Signature card, which was prominently advertised as having a XXXX mile sign-up bonus and {$100.00} statement credit as incentives after {$1000.00} in spend on the card. I was informed that I was approved for the card, and at no point did they mention that I had actually been approved for a different product. Fast forward to me having met the spending requirements, and I find out I had actually been approved for the XXXX XXXX Visa Platinum card, which only offers a XXXX miles bonus and no statement credit. 

The physical appearance of the XXXX cards are nearly identical ( the only difference being a small word " signature '' or " platinum '' in the bottom-right corner ). The only mention that you might be considered for alternative products is buried deep in the fine print of the application ( I had to go find it after the fact ), and there is no way to opt out of consideration for the alternative product. I have never seen any similar process with any other major card issuer ( and I have had cards from XXXX, XXXX, and XXXX XXXX ). This feels like a deliberate bait-and-switch, and many other feel similarly, from reading online.

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 2021-06-17
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was provided a new replacement credit card by my financial institution because the account information had been compromised. However, to my shock, they are still permitting the existing vendors ( with my old credit card information ) to continue charging me. When I asked them how the vendor got my new credit card information, the financial institution said that they provided the new account information to the vendors to make it convenient for the existing vendors with recurring charges to continue charging me. 

I said, does n't it defeat the purpose of providing the new credit card? They said, this is the bank policy. 

In this case, the financial institution is more concerned about the vendor than the consumer. 

They should be forced to change their policy.

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 2021-06-17
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/2021 a representative for said bank established left a voice message to the tune of XXXX when clearly parted with XXXX on my account name. I keep complaint and the representative never returns my calls. I want it to be clear my name on the count and parted check read XXXX not XXXX and when that little representative reaches out to me needs to respect that. In addition if I choose which is my choice and they must agree to my choice to return to said bank establish it is whatever my valid if represents and I tell what name should be on my account still remember ing what's on my state valid. And said bank needs to put back the require minimum deposit to open said establish bank that said establish bank had no other reason to close the account other than my bum man like appearances. Be sure they force the said establish bank close. 
.and said bank established need not correspond to my houston XXXX Texas ADDRESS any further It doesn't exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX and have no home to live in because of BOA. 
In 2014 I was trick in to sale of my house, it was XXXX and very disappointing to experiences to learn on the day of the closing the BOA had canceled the sale, no reason given. 
Took all escrow money from me. 
The XXXX Real Estate Companies that was used to sale the house was dishonest and provided negative representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated from XXXX school with XXXX in student loan debt XX/XX/XXXX. To this date I owe XXXX. The loan is in my fathers name, with myself as a signee. At two different times I had to do a forbearance which had dug my student loan debt into a hole that will end up paying back almost double the initial loan by the time it is repaid. My father who is primary on the loan had to talk to a representative, at the time ( XXXX XXXX ), he was given the only choice which was a forbearance. Some time later I was back in the same situation not making enough to cover my loans and living expenses and had to take another forbearance. Talking with my father this was our only option. Recently I have heard of other people in similar situations. I found out there were other options like income based repayments. This was never an option years ago to our knowledge and feel like we were tricked into an option that would be in the favor of then XXXX XXXX and now Navient that would never allow me to get out out of this hole of debt. Almost a XXXX education that I believe was worth only a quarter of that. Ive looked at my statements on my account and the percent of interest paid vs principal makes an obvious statement that these loans were never meant to be paid back but to live on interest and keep the borrowers in debt for as long as possible. My payments are soon to go to over {$500.00} per month and at that rate will not be paid off until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Bank of America has inaccurate information listed as these accounts were short sold and paid as agreed. Please see attached. I am requesting assistance in this matter. I feel they are also coded incorrectly with all XXXX credit agencies from BOA data

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
As parent in a middle class family our children do not qualify for state or federal grants instead we had to take loans to pay for college " Parent Plus Loans ''. As a holder of parent plus loan the repayment fall to us as parent instead of to our children who actually got the degree. Because I am not employed in XXXX field where my son 's degree in XXXX is employed neither he or I can apply for assistance in repayment or forgiveness from employer or income based repayment on his income as the new college graduate. I also can not take advantage of IBR because both my husband and my income are combined to determine repayment amount and our son is no longer in the house which makes our household smaller. As parents we wanted to help our children access a good education and support his drive to get an education but instead our retirement planning and finances will be impacted for 20-25 years to come repaying our sons debt. Parent Plus Loans should be able to release parent cosigners and allow graduates to take over repayment of loan and take advantage of IBR or other financing options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CITIBANK, N.A.
State: IL
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 have tried for the past three years to remove the accounts of Macy 's XXXX from my credit record. I never charged that amount at Macy 's. 
My cousin and I suffered a great deal due to these charges being under my name. 
Please have the company remove any negative data from under my name in the credit bureaus. 
Please have them refund me {$500.00} for faulty items.

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 2021-06-17
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has a history of extending credit to an identity thief. I have always had an active and current account. ( XXXX was closed with all equipment turned in and paid in full on or about XXXX of 2020. ( the above account is accurate and the only account that belong s to me ) ( All other accounts are fraud. ) One such fraudulent account was sold by XXXX to waypoint resource group. I have reached out to both XXXX, and Resource Group with proof that I had a valid account at the time and the account XXXX and waypoint were collecting for is not mine. Obviously identity theft. Again XXXX has a history of issuing credit using my name and social while I have a valid account. Obviously someone fraudulently living at another address or address I no longer occupied. Ultimately having one open correct account and one open fraudulent account. The total balance for this particular fraudulent account {$570.00} waypoints account number XXXX. I do not know the XXXX account number they are trying to collect on. As stated, it is not the valid account listed above. If they bothered to look, the address are different bet it is for a state I am not living in as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
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:
I graduated in 1996 and my loan was {$35000.00}. In the beginning, I was paying regularly but then had difficulty making the payments so I went into default. Additional fees and penalties of over {$15000.00} were applied. Then I got a new job and agreed to new payments that were automatically being taken out of my account over the course of 3 or 4 years. I then went to buy a house and was told I was in default! And I had been regularly making payments for years!! I called Navient and was told I was not on an " approved '' plan so it did not count as a " payment '' so my account was sent into default. They had never informed me that I was never on an approved payment plan or that I was in danger of being in default. And now, after even more penalties and fees, my loan is up to {$120000.00}!!! This is criminal in my opinion and should not be allowed to happen. My credit has been affected, if it was n't for this, my credit would be excellent. I 'm really hoping that the Trump administration will crackdown on these thieves and put a stop to this. I do n't mind paying what I owe but not this inflated figure with crazy interest and penalties!! I do n't know what to do, please point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my service with XXXX back in XXXX of XXXX due to the horrible experience, customer service, and billing errors on my account, mainly due to the fact I was also moving to an apartment that didn't take XXXX. XXXX XXXX charged me multiple fees on my account that shouldn't had been such as two early termination fees on the dates of XX/XX/XXXX and XX/XX/XXXX along with unreturned equipment fees on XX/XX/XXXX in the amount of {$390.00}. In around XXXX I started received calls from a 3rd party collections company stating I owed them a balance and I notified them that I was in dispute with XXXX about the billing errors on my account and that I don't owe anything I've already paid my balance which included the 1 early termination fee of {$210.00} equal to a total final payment of {$560.00}. However, XXXX continued to charge me a total of {$1100.00}, I contacted XXXX multiple times between XXXX and XXXX when they sent me my final statements to let them know they were charging me incorrectly and that I had already returned all equipment when i cancelled service in XXXX and that they double billed me for two early terminations in XXXX, they then advised me they would adjust the charges and notate the account and that it would be updated in 24 hours of our call. Well that didn't happen they only adjusted the returned equipment fees for the {$390.00}. They then sent my account to a third party collection again for the balance of {$770.00} that I did not owe. I called XXXX today about the situation for the 5th time because it was reported to my credit on XX/XX/XXXX that I owed a balance which is inaccurate information! I had already paid my debt to XXXX back in end of XXXX beginning of XXXX for {$560.00}. They proceeded to still sent me to a 3rd party collection and have them report negatively to my credit for a debt I did not owe! I want this removed from my credit and for them to stop harassing me about a debt I don't owe when I have been calling every month about this balance they keep telling me they removed already. So just as reference I called again today and they told me they removed the {$210.00} AGAIN and gave me a ticket # XXXX or it might be # XXXX and they told me the debt would be removed and I don't owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The creditor Bank of America has reported a Charge-Off for account XXXX to all three bureaus. The original high balance of {$57000.00} has been reported incorrectly. All payments were made and the entire balance was paid in full however Bank of America & XXXX XXXX, XXXX are reporting a CHARGE OFF instead of paid in full violating the FCRA. it seems the loan was paid directly to Bank of America and was passed over to collection XXXX XXXX XXXX but the creditor is still Bank of America who has reported illegally to XXXX, XXXX, and XXXX. The account was paid in full and NOT Charged off.

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 2021-06-17
Company: United PanAm Financial Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a used truck that was financed through a loan company United Auto Credit, the dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After purchasing the vehicle I sent my first payment on time as per our contract. About 10 days later I began receiving calls from the dealership saying that I missed my payment and that they were repossessing my truck. I called the bank and they said that the money order was damaged and they could not cash it, so I told them I had the receipt and would apply for a refund and forward it to the loan company, which I completed. Now I received a letter from the PA DOT that my check bounced and my plate and or license will be suspended on XXXX XXXX if check is not made good. Rewind, the check the dealership submitted to Pen dot was only given to hold the truck from being sold to someone else according to XXXX  at the dealership, but after the mix-up with the money order, the dealership claimed right to repossess the vehicle because of a contract with loan company that if missed my first payment, they get to repossess the vehicle in question. I called the bank and they told me about the money order mishap and that the dealership had no right to repossess the vehicle. So fast forward and the dealership gets angry and alters the check to match the fees for title, plate and taxes and submits the check to Penn dot even though the loan company said that these fees were included in the Auto loan contract originally but this is where we stand today without the ability to freely drive the vehicle I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Navient Solutions, LLC.
State: CA
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:
My X wife attended the XXXX XXXX in XXXX XXXX. When we divorced we made an agreement in the divorce decree that she would pay her loans. It has been several years since the divorce. I am now remarrying and it is very hard to explain to my fiancee why I have a divorce decree stating I am free of paying the student loans, bit it still shows on my credit.

Company response to consumer: Closed with explanation