BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I did not get the bonus for opening checkings account with Bank of America. On the website XXXX I scheduled an appointment to my nearest branch as said on the website from the link on the website. I received email on XXXX XXXX, 2016, XXXX CT with confirmation number for appointment XXXX to open the account with above offer. I opened the checkings bank account next day with bank manager saying that bonus will be honored once direct deposits are made. I chatted with Bank of America representative same night to know when Bonus shall be received. She said that Bonus will be received after 90 days of meeting requirements. I did n't receive bonus till XXXX. I called Bank of America on XXXX XXXX on customer service. The representative said that after meeting requirements in 90 days, it usually takes around 1 month for processing the bonus. In XXXX I did n't receive any bonus. On XXXX XXXX, 2016 I again called the customer representative that I did n't receive bonus in spite of continuous direct deposits. She asked me to call XXXX number as the Promotion department was closed that time. I called the above number on XXXX XXXX, 2016, I called the above number and everything was answered in XXXX. So I again called the customer care on XXXX XXXX, 2016 to take up the case, continuing from yesterday. He calls the promotional branch and replies that I am not eligible for Bonus. He tells me that my name is not there in their list. I tell them its not mandatory to open the account online, its given on the website that the account can also be opened by going to the branch and my scheduling appointment through the website is the proof of it. They told me that you can talk back to the branch. I am tired of this Flip-flop from one person to other. 
My logic is simple. I opened the account through the promotional offer website by going to branch. The branch person who opened my account. I met all requirements with all direct deposits till today. Now its their turn to honor the bonus. My work hours as a XXXX do n't give me time to go to the bank branch on weekdays like they want and I do n't understand, why I should go to the branch. They should contact the branch manager by themselves and resolve the issue, but the customer service do n't want to open the case. I think Bank of america just does n't want to honor the bonus and make their customers beg for bonus. I am soon going to terminate my account if I do n't get my rightful bonus from them.

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 2016-08-26
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX, from Pioneer Credit Recovery XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, contacted my husband XXXX on his cell phone XXXX XXXX, 2016 telling him he was responsible for a debt that I, XXXX XXXX, allegedly owed because we are married. XXXX explained he owes no debt and is not responsible for any allegeded debt of mine ( XXXX ) and asked XXXX not to call him again and hung up. Ten minutes later XXXX called XXXX again and demanded payent for a debt I am alleged to owe. Today, XXXX XXXX, 2016 XXXX called and stated XXXX called her telling her falsely she called her because she was my ( XXXX ) landlord and I owed a debt. XXXX, we own our home and have never rented from her.

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 2016-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone obtained my debit card information/number and used my card for appox $ XXXX-XXXX purchases and gas. I didnt notice until my statement showed a purchase at XXXX in XXXX, CA while I was in XXXX, CA. How could I have possible been in cities XXXX miles apart on the same day? If Bank of America were to check my account for the past 5 years, theyd see I never visit these places that the theif used my debit at. Bank of America has now refused the claim twice. The total of the charges were {$380.00}, claim ID # XXXX. How does someone obtain your card number and use it and how is the bank not responsible to keep your monies safe?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
They will not send me my whole private loan payment history. On the website just has the past year, I have requested this ledger several time and receive no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 'm so sick of Bank Of America.constantly sneakily stealing money from their Customers! I have well over the min Balance to waive " maintenance fees '' yet they still once in.a while.sneakily Charge me. The min balanceone should have is XXXX and I have almost XXXX. It 's ridiculous. They need to be investigated because they do this too many people knowingly! If you do n't thoroughly inspect your back statements, you may unwilling be giving your money away to them. If course back of Ameeica customer service is almost non existence as well! They give you numbers to call, mainly wrong numbers and do nothing to fix the issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a VA mortgage with USAA Federal Savings Bank ( XXXX, XXXX XXXX, IL, XXXX ), loan number XXXX. Effective XXXX/XXXX/2016 the mortgage servicer was changed to XXXX Mortgage XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XXXX XXXX, 2016 USAA transferred escrow balance of {$2100.00} to XXXX XXXX. 

The escrow funds provide for homeowner insurance and taxes. The insurer sent XXXX the renewal policy information in XXXX and a reminder on XXXX XXXX, 2016 that included the final due date of XXXX/XXXX/2016 as well as amount due, {$1100.00}. 

XXXX did not pay the bill and the policy was cancelled effective XXXX XXXX, 2016. I live on the XXXX coast of Florida where on XXXX XXXX my city was struck by hurricane XXXX. On XXXX/XXXX/2016 I received notice from my insurance co. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ) that effective XXXX/XXXX/2016 the policy ( # XXXX ) was cancelled for lack of payment and would help me try to get " replacement coverage ''. 

On XXXX/XXXX/2016 ( I was unable to find anyone open on weekend ) I contacted USAA who would not address the issue and transferred me to XXXX. After 2 hours on the phone and multiple excuses, XXXX promised to overnight a check ( they are unable to do wire transfers? ). Today is XXXX XXXX, 2016 and a check has not been received by XXXX and XXXX claims it was prepared they do not know how is was sent or when. 

Three different XXXX representatives promised to update me and keep me informed, but none did. I still have no insurance and I have been told three different scenarios about whether a claim will be honored due to hurricane existing, whether I have to agree to make no claim, and if XXXX has an unstated grace period. In addition, I was told it could take 3 to 5 business days after the check was received before insurance would be in effect. Probably to let the check clear. 

I am concerned that my insurance record and credit record will show that I had a policy cancelled. 

In addition, USAA is keeping a payment database ( for my mortgage payment data ) that is separate from XXXX and different from XXXX. The USAA database shows that I am in arrears and did not pay XXXX or XXXX payment and could cause bad credit reporting. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
AS YOU CAN SEE THIS HORRIBLE SITUATION HAS BEEN GOING ON FOR YEARS WITH BANK OF AMERICA! TRY CALLING AND TALKING TO SOMEONE ANYWHERE ANYONE, THEY HIDE AND YOU WILL BE UNSUCCESSFUL! PLEASE REVIEW THE COMPLAINTS AND THE THREE LETTERS I HAVE AND AND WARNED THEM THAT I WAS GOING TO FILE THIS COMPLAINT WITH CFPB! 

XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX ATTN : XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX THIS IS THE THIRD LETTER I HAVE SENT YOU! I AM FILING A COMPLAINT AGAINST YOU WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ON XX/XX/XXXX IF I HAVE NOT RECEIVED A RESPONSE! 
I have spent hours trying to get this matter resolved and because you have stolen our gold and I truly believe that the gold went missing at the bank, you are trying to evade my plea! I simply want this billing and this account closed as you told me you would do a year ago! Now I am being billed again. It appears you are trying to steal more value from me! 


ANOTHER LETTER IS BEING SENT AND FAXED TODAY XX/XX/XXXX Dear XXXX XXXX, I have attached the letter previously sent. I just received a bill and have spent one hour and ten minutes on the phone with XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX! They each one have said they could help me but, this is not resolved. I am going to file a full fledge complaint against you with the CONSUMER FINANCIAL PROTECTION BUREAU with in five days if I am not contacted and assured that this was closed and acknowledge that he box was closed over a year ago!! 


LETTER SENT XX/XX/XXXX Dear XXXX XXXX : Re : safe deposit box, box # XXXX I visited you center located at XXXX and Tollway several months back and complained that my box was missing various items! They did a report and said they would be back in touch with me. I closed the box that day and left my key! I received a bill and have held on the phone for 45 minutes and was referred to you local bank and got into a recording for additional 15 minutes and have still not talked to a live person! You leave your telephone numbers out so customers ca n't reach you and that put the difficulties back the customers ' back! I want this box closed and someone contact me regards the investigation.

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 2016-01-29
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CENTRAL FINL CONTROL ACCOUNT NUMBER : XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROLor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've disputed this public record account with Transunions 3 times certified in which I requested validation of proof, of this public record account. On XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX/XXXX/2016 transunion constantly sends me a credit report that states " verified '' attached is the letter requesting validation of proof 3 times. I mailed each letter certified each time I receive a credit report that states " no change verified ''. I 'M requesting validation of proof on letterhead of the person that verified this public record. NOT a credit report stating " NO CHANGE VERIFIED. I attached a letter from the federal courts showing they did not verify this account transunion is the only credit bureau giving me a hard time to delete this account. The account number with transunion for this dispute is 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 2016-10-24
Company: Navient Solutions, LLC.
State: FL
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 private student loan has been going for approximately 16 years. I am the consigner. I am now XXXX XXXX XXXX and on social security. Very little. Naive to will not release me. My son is capable of paying and has been paying. Please help me. If I default it will ruin my credit and or they may take my social security. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Diversified Consultants, Inc.
State: TN
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:
I checked my credit report because I was denied credit. I called and contacted the company and asked to receive a written/letter of notification that I owe this debt. The person I talked to would not send out a notification. He stated that they would email a notification if I would set up payment arrangements XXXX. I feel that this is not right. I only know about the debt because I checked my credit report. I have not received any type of letter from this debt collector that I owe a debt. I also feel that he was very pushy in wanting me to set up arrangements and pay off my debt, even though they have not mailed me any correspondence that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was enrolled in paperless statements with Citibank. It is a secondary card and I 'm a pay in full customer who has never had a delinquency mark in 28 years on file. After utilizing this card, my work email was changed ( added my middle initial ) at my employers request which caused the electronic statements for Citibank to be returned. 

Subsequently after two full months and Citibank getting returned electronic mail, I was contacted to inform me my account was 30 days behind. I received a call on a Saturday for the first time and called back immediately. I was shocked but quickly realized why I would n't have paid the full balance which was because I never received the electronic statement. I was informed as a customer it is solely my responsibility to inform the financial institution of the change in email address. I was told that Citibank does not monitor return emails, and I asked if that was the same for mailed statements and was told yes. In the event this happens, their is no ability to utilize judgment to determine if based on the customer 's individual circumstances whether to correct the delinquency history. 

Additionally, I am concerned based on my good credit I was n't a priority to call while I was XXXX payment behind and before it impacted my credit history. 

I thanked the escalation representative I spoke to, let him know that I would voice my concern through this channel- unfortunate. 
Again, this is not a financial issue. I paid off the account immediately which I always do, but now I have a 30 day mark on my credit file based for the first time in 28 years.

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 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm writing to get a response from Bank of America regarding my FHA loan. I 've spent allot of time trying to get my situation resolved and to get BOA to close out my FHA loan. The property has since been foreclosed, resold, and currently under contract again to be sold. It is completely out of my name through county records but Bank of America is n't reporting it to FHA and further making it hard for me to move forward. I have been trying for well over a year calling FHA frequently to see if BOA has done their part and it continues to sit without being resolved. I have previously spoke to XXXX, my case manager, and left him a recent message hoping to get a clear answer but I 'm awaiting a response. I would greatly appreciate this to completely be finalized and closed so my family and I can move forward. 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 2017-01-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citi bank makes it very difficult to sign in to access credit card online information and pay your bill. On the credit card it states the website is citi.com. When you go to citi.com there is no link to current credit card accounts.

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 2016-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is the note holder on my home loan ; XXXX is suppose to be modification status, Recently I was served notice of a foreclosure hearing for XX/XX/2016 I made several attempts to notify my BOA consumer affair agent : XXXX XXXX Manger : XXXX XXXX XXXX XXXX XXXX being I received a letter requesting additional documents etcXXXX. I notified HUD being that my loan FHA they transferred me to BOA ESCALATION DEPT. several times to no avail I filled out all requested paper work, However no one has contacted me regarding the matter. This has been very XXXX!!! Leads me to believe this is nothing but a ploy to add late fees monthly until they foreclose on my home ending in damaged credit.

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 2015-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I contacted USAA bank to dispute a charge after I found a company failed to due work as promised and after having to pay another mechanic for same work I asked for a refund. USAA so called investigation failed to take other mechanic information or even listen to audio recordings between me and company where they admitted wrong doing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation