BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied and was approved for a Bank of America XXXX credit card in XXXX XXXX. The terms and conditions I received from BOA with my credit card specified that I had a 0 % introductory APR on purchases made prior to XXXX XXXX. All purchases made after XXXX XXXX would be subject to the standard APR. I searched the remainder of the T & C 's document to be certain the balances remaining would not be subject to the increased APR, and nothing on the terms and conditions indicated that purchases made during the introductory period needed to be paid in full prior to the end of the introductory period. I was very pleased and adjusted my spending accordingly. 

I received XXXX notification advising that my terms and conditions had been adjusted ( in XXXX XXXX ), but that notification did not reference the introductory APR. Each of my bills notified me that the introductory period would expire in XXXX XXXX, but that was no surprise to me. I knew purchases made after the introductory period would be subject to an increased APR. I used my entire limit prior to the expiration of the introductory period, but was quite surprised when I noticed a {$90.00} interest charge in XXXX of XXXX. 

I immediately called Bank of America and was told by the representative that BOA only sent me the short form of their terms and conditions, but the long form ( viewable by BOA employees only ) included language that specified balances carried forward would be subject to an increased APR. Naturally, I was quite frustrated to learn that BOA intentionally misled me by giving me an abbreviated contract that left out critical details like this. He agreed and credited the {$90.00} with the promise that future interest charges would be investigated and adjusted to honor the terms and conditions. 

Now it is XXXX of XXXX, and the majority of the balance remaining on my card is erroneously charged interest. Bank of America never responded to the request from XXXX XXXX, and they refuse to credit my account the interest charged on purchases made from XXXX XXXX - XXXX XXXX. 

The terms and conditions available on their website now ( presumably those that new card holders receive ) read much differently than those provided to me as they indicate the inroductory APR only applies to the first XXXX billing statements. I wish I received those terms. Had that been what was represented to me when I secured the card, I would have managed my spending accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: National Commercial Services, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
on   XXXX   XXXX   XXXX   a car registered to me was involved in a car accident. I was not driving the car but understand I am liable for damages. I have been given  two  different amounts by this company. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$3200.00}. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$5200.00} which is  XXXX  more on the same debt. I sent a certified letter to this company on   XXXX   XXXX   XXXX   asking for a itemized break down of these costs and did not get a response. I informed this company that I am willing to take care of this debt but we need to come to some agreeable solution. This company has threatened to take my drivers license if this is not resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
When I orginally started my repayment process, i spoke to representatives over the phone asking about lowering my payments because i had other expenses building up. They told me that was the lowest monthly repayment option I had. So, i made sure to get way ahead my first year so I would not default. I knew i was changing jobs after my first 6 months at my position. I changed jobs midway through that first repayment year and started getting payed 15 % less. So the second repayment year was less of a financial burden. The third year i was late on 1 or 2 payments and they recommended i go under forebarance or i will default. I was not willing to pay more in the future so i told them i would not happen again, despite the fact I was moving to another city for a better financial opportunity. This was scary to think about at the time so i continued to repay during my transition period between cities with the little savings i had. I have paystubs, reciepts, and professional references of needed to show my past job date and times of hire. These are scare tactics utilized on those with little experience in loan repayments and looking back now, I had other options at my disposal but was limited to the information and resources i was presented with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: CITIBANK, N.A.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I received a notice from Citicard stating that my  Mother m  ay  be entitled to a refund for an optional debt protection program which she  may  have unwittingly been enrolled and charged for. I went to their website to enter her information to indicate she was deceased and could not get any further information. I have questions on where I would find these charges, if her estate will be given a refund and how much. When I called I was just told they had not information for me at this time, blah blah blah. I feel that my   XXXX    Mother  may h ave been scammed by a large unethical corporation and I want them to be held accountable.

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 2015-12-07
Company: Altisource Portfolio Solutions, S.à r.l.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On no less than XXXX occasions, I was told by XXXX that this debt was resolved. They billed me for pest control on a contract I canceled and for a property that sold in XXXX 2015. They also violated the XXXX, continuing to call my mobile after I repeatedly asked them to stop. 

After the last conversation when XXXX said the debt was not mine, and the balance was zero, I heard nothing for several months. 

I then received a collection letter from NCI demanding {$96.00}. Is that XXXX does? Ignore customers, tell them their debts are resolved and then forward them to an unsuspecting debt collector who is unaware of XXXX internal control issues and disregard for honoring their commitments?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am not sure what debt is from. I called company listed on credit report that state they did not report.

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 2015-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
This complaint is in regards to the false reporting, False information and poor privacy and security of thr Bank of America in XXXX California where I had account with them since XX/XX/XXXX to XX/XX/XXXX. My account was compromised due to lack of their efficiency to resolve or to atlest have a better communication within their departments. I am fighting to attain my lawful rights and clear my name through XXXX where they had reported me even I disputed that amount of {$810.00} and i kept on sending them IDTheft documents and BOA never investigated that issue and where the funds went because those funds were made available to me and was never had any problems with it and they never received it back so unknown person came in and took my money. The next thing i knownisbthat I am receiving the calls from Collections and investigations firm called XXXX XXXX XXXX XXXX. I then sent out XXXX XXXX affidavit of Identity theft with explanation and after their investigation thry cleared me that you are zero liable and they should return your XXXX. First of all reporting to XXXX system knowing the account holder is victim of IDTheft and it 's a violation, Collections is another violation because I had suffered a lot because every bank i would go they would n't let me open an account. I was very disappointed and discriminated because of their wrong doings and even now when everything rechecked ro it 's conclusion and the Fraud and if theft department specialist named XXXX and said it 's all cleared just send in the XXXX paper saying they had stopped the collections due to the investigators proved that I am zero liable and did n't do anything wrong. Since 3 years I have been asking them and they are making me go from one department ro other and no one seems to help. Secondly, then BOA 's cancelling my checks alia also a illegal act for which I am going to report then to XXXX and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On three separate occasions over the past 90 days have requested a free annual credit report from Experian credit reporting agency as available pursuant to federal regulations under the Fair and Accurate Credit Transactions Act ( FACTA ) and the Fair Credit Reporting Act ( FCRA ). On three separate occasions they were unable to provide same and requested additional identifying information. On each of these three occasions I provided a written response which included all of the requisite information. Nevertheless my now fourth request for a copy of my Experian credit report was denied again requesting the same information.

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 2017-05-02
Company: EQUIFAX, INC.
State: CO
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 credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX  . address are bills from   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX  . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I WENT TO MY BANK ATM MACHINE TO WITHDRAW MONEY FROM MY SAVINGS ACCOUNT PER THE POSTED DISPLAY SCREEN ALLOWING ME ONLY XXXX TYPE OF WITHDRAWALS WITHIN THE BANK STATEMENT PERIOD AFTER THAT I COULD BE CHARGED A FEE DO YOU WANT TO CONTINUE QUESTION ( YES or NO ) I PRESSED THE APP FOR YES BUT THE BANK FROZE STOPPED MY CUSTOMER OWN FUNDS WITHDRAW PEOPLE WORKING IN THE BANK AND DO NOT HAVE EXPERIENCE IN BANKING SYSTEM AS POORLY TRAINED I HAVE RIGHTS I AM THE CUSTOMER. THE BANK IS MAKING THIS A PERSONAL ISSUE AND RETALIATING PLEASE REMEMBER I STILL HAVE ALL LEGAL RIGHTS TO PURSUE A CIVIL ACTION IN THE APPROPRIATE COURT OF THE LAW, 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 2017-05-02
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mt father has a mortgage with  PNC bank/mo rtgage company. I was attempting to be place on the loan with him. The initial person my father and I spoke with was  XXXX   XXXX . He stated that we could do this on a Harp refinance. He stated that there would be no money involved in this process and it would be a relatively short process. He told us that there would be no appraisal and no closing costs. this started in   XX/XX/XXXX  of this year ( 2017 ). A s the loan was being processes we had contact with him on several occasions and also with the processor  XXXX   XXXX . After about a month we were asked to submit a title surrender form to our city hall of records. It was determined that no title existed for our double-wid e in our county an d that the bank had no original copy of the title or apparently any of the initial paperwork in the initial purchase of a new double wide. About this time they sent me out an updated  Loan estimate which stated there would now be a closing cost for the load. They also called  and notified us their would be an appraisal of the house. I spoke with the person we initially spoke with to begin the process  XXXX   XXXX  who informed me he was wrong and that the underwriter needed an appraisal. He also informed me it would be my responsibility to pay for  a Title bond and  that he was also wrong about no closing costs. I also spoke with the processor again to get some clarification of why the initial person could say we had no closing and appraisal and to find out why the bank did not take care of this title issue. I could get no answer on any of these issues at that time. I asked to speak to a supervisor and was put in contact with a  XXXX   XXXX . We spoke of these issues and by this point the appraisal had been completed. She could not explain to me why it was necessary or why there was a closing cost. After sever conversations over a wee k or 2 with  her there was no resolution about the title. They are dealing with a title company outside of their own bank. After receiving no resolution on this i asked again to speak to a higher supervisor. I was told i would be receiving a call from who ever the next person was in the chain of command was. it has not happened as of yet. However i have received yet another another loan estimation update that has more than doubled the closing costs. We have no idea what will happen when we pay off this mortgage with the title situation. We have paid for 15 years on this home with no clue there was no title. I am the person who has been paying for 15 years on this home and because I am not on the title i can not claim my rights as a totally  XXXX  vet for tax purposes nor have i or my father been able to claim the interest paid at the end of the year on taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
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:
To give you a little bit of background, I have XXXX accounts on my online banking. My university charged me the normal monthly bill and for some reason, it charged my checking and not my e-banking account. I honestly do n't even know what the difference is. I just keep money in the e-banking, because that is what gets charged when I used it at the store, online shopping or any time I swipe it. So, the charge went through and BoA without any warning or email to allow me to transfer funds stamped a {$35.00} charge on my account. 

Now that may not seem like much to you, but I am a broke college student and to me, that is 4 hours of work. I kindly tried to explain this to one of your customer service people and they replied with " Well can you have your university write us a statement explaining the mistake? '' What?!! I do n't even know if that is possible and if it is, it would be incredibly time consuming. " Well it would be really helpful for your case. '' I have hundreds of dollars in my e-banking that could have been simply transferred over. But that did n't matter to BoA. 

I have been a loyal customer since the day I opened my first bank account with BoA and sadly, after today, I will have to close it. I am in disbelief that your institution which is supposed to be helping young adults save and grow their money, endlessly throws fees on their accounts. Your bank steals money from people in any way it can. There is a reason why year-after-year BoA has received some of the MOST customer complaints out of any banks. That should be a wake up call or in my opinion, a slap in the face. Not only did this situation ( which has happened too many times to count ) make me really angry, but it means that I wo n't be buying groceries this week. I would have stuck it out and remained with BoA if your customer service representative had simply just refunded the {$35.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: GA
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:
Disputed items were not verified or removed from credit report

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 2016-11-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD Bank manipulated my account in order to force fees. They placed holds on checks and promised to refund fees related to those holds. They returned payments that should have been good, costing me money with my creditor and showing late payments on my credit report. Additionally, after they learned I intended to get a lawyer, they did n't remove the fees they promised to remove, they did n't properly initiate chargebacks, and they left my account at a negative balance. The following charges should not be on my account : XXXX/XXXX/2016 FEE OVERDRAFT {$170.00} XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX {$99.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 FEE OVERDRAFT {$35.00} XXXX/XXXX/2016 DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} ( unauthorized ) I have screenshot text messages where they agreed to remove all fees and this never happened. Once I had to bring a lawyer into it, they did n't initiate the chargebacks after someone got a hold of my card number. They 're being vengeful instead of professional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
td bank is reporting my mortgage late 2 times on my XXXX credit reporting agency to wit XXXX XXXX and XXXX I sent in all proper documentation to prove it lates where under 30 days days and 2 months XXXX XXXX 2012 I have sent supreme court documentation signed by a supreme court judge and sealed it states XXXX XXXX is SOLELY responsible to pay it along with letters from my attorney in regards and if not followed we would sanction the court and file a petition I have had numerous accounts with TD never late. how can I be responsiblie if a supreme court judge order it double pay it I sent priority mail which they received XXXX XXXX verified they state they started on it XXXX well its past 30 days and they have not respond ed to me I was told they would last week They also send they would call I have called 2x week just to saty on hold over an hour and no help want file a complaint that there not complying with fair credit act this belongs of my negative file its only one on there thank you for your time and working on this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 my capital one secured card was closed. it is now XX/XX/2023 and I am still waiting for my secured deposit refund. I paid capital one off instantly as soon as they closed my account I expect my funds to be sent to me in a timely manner. 90 days is not a timely manner and I need the funds to cover other credit card balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
There was an account on my credit report listed with a different collection agency for XXXX XXXX. Because I knew the account was inaccurate, I disputed the account and requested validation of what they were reporting and the prior collection agency deleted the account on my credit report when I did this. Months following this collection agency deleting the account, I suddenly get an alert that a new collection agency is reporting the debt called Enhanced Recovery. I was never sent any sort of notification from this company that they had purchased the debt so I disputed the account again with Enhanced Recovery and they 've yet to respond to my dispute.

Company response to consumer: Closed with non-monetary relief