BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an invitation from Bank of America to open a Business checking account. I was offered a bonus of {$1000.00} after fulfilling a couple requirements as explained to me by the bank representative who helped me open this account. XXXX of the requirements was to open a Bank of America Business credit card. I did go ahead and applied for the Bank of American XXXX credit card with an annual fees of {$75.00} and was approved. The bonus of {$1000.00} was to post to my account within XXXX8 weeks after fulfilling the requirements. After not receiving my bonus of {$1000.00} I called the bank to resolve the issue. I was notified by the representative that I had to spend {$2000.00} on the business credit card within a certain period of time to qualify for the bonus of {$1000.00} This requirement of spending {$2000.00} was never disclosed to me by the bank representative who helped me open the account at the branch office located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Only after being charged a monthly account fees of {$29.00} for several months I was told that the representative will open a case for me and this was in XXXX 2016. The case reference number is XXXX. After two months there has been no follow-up from bank of America to help me resolve this issue and they continue charging me {$29.00} monthly fees. I am very disappointed with the situation as I was not made aware of all the requirements for this bonus offer and the Bank constantly charging me a monthly fees while this case still has to be resolved and further no feedback from the bank in the last 60 days for an open case. A Bank of this stature can definitely do a better job of communication. I would like to receive my bonus of {$1000.00} asap and have this issue resolved at the earliest.

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 2017-03-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
during my divorced i had to go into bankruptcy -- -- during 5 years in bankruptcy protection -- - XXXX dollar school loan accrued XXXX dollars in interest for a total of XXXX dollars -- is this leagle?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage XX/XX/2009. I spoke with my lender, Bank of America and they instructed me to send {$1400.00} overnight to prevent foreclosure, which I did. I was told that this would bring me up to date and that they would respond with the next steps to take. Two months later they sent the money back and told me that it was a miscommunication and that they were going to foreclose anyway. I made attempts over the next 3 years to work with Bank of America but they refused to take any payments stating they would only accept the full balance, or they would proceed with the foreclose. 
Eventually I beat them back in court in the XXXX Judicial Circuit of Illinois and forced them to modify the loan. A {$2000.00} settlement payment followed from Bank of America to compensate me for the improper foreclosure effort. 
As a result of the improper foreclosure Bank of America has placed over 38 late / missing payment notations on my credit report, even though they would not accept payments during that period. Additionally, it was agreed during the loan modification that Bank of America would remove the late / missed payment notations. It was agreed that I could n't have been late or missed payments that the lender refused to accept. They now have simply forgotten that part of the agreement. 
I have attempted to speak with Bank of America regarding this complaint, but there is no one who is willing to address the modification, or even discuss the mis-reporting. This is having a huge affect on my credit score and my ability to refinance to get a lower interest rate. It has cost me thousands of dollars in high interest rates with other lenders as well.

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 2021-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX / XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2017-11-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2017. This company 's action is not federally backed. This company is trying to collect a debt that is past the 4-year statute of limitation which definitely has already expired. Also in the letter they sent, there is nothing stating that the debt can not be sued over. These definitely are violations of FDCPA. Collection agencies are obligated to state this in their correspondence. I am also sending this company a letter to demand them to cease and desist any collection activity including reporting to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan service company Navient agreed to lower payment based on my income XXXX 2015. I was forced to agree to their terms over voice recording and was not allowed any other method. I then asked for documentation of the agreement so I have proof of this agreement. After 4 months of calls and emails I only now received a letter and it states ab agreement to higher payments I never agreed to. When I requested the audio, I was told I need a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
B of A continues to discriminate against XXXX XXXX based on his race, language, nation origin. We have attempted to rectify the numerous issues he has encountered with B of A to no avail. We previously submitted a complaint with regards to the failed loan modification review from XXXX 2016. B of A held on to the file for months stating the file was being reviewed before they finally admitted they were refusing to review the file. The run around for the mod review in XXXX 2016 was due to a Social security/ tax id number issue. It took them over 6 Months to finally inform us of the issue, as B of A employees failed to relay any useful information throughout those six months. We were finally made aware of the issue from B of A employee XXXX once the complaint was filed. We sent out form XXXX to B of A as requested. 
The reason for the complaint today is that 3 years ago B of A changed XXXX XXXX 's " social. '' He used XXXX to obtain the loan. XXXX is the number they currently have on file, and is what is currently being used to verify the account when the client and or our office call in. BANK OF AMERICA made the decision to make that change. One number is the social and one is a tax id. We have asked them why they made that change 3 years ago, and they have yet to inform us of that reason. Due to the change, they are REFUSING TO MOVE THE LOAN MODIFCATION FORWARD. They confirmed they have the docs, but the file sits there. Currently B of A is waiting on the IRS to verify some information. The information THEY decided to change. They do not know how long this will take, but they continue to move forward with the foreclosure. 
A full mod package was sent in XXXX and went nowhere. Once the XXXX form was sent in, we resubmitted a mod package. We called in weekly and were informed they had the docs, but are waiting on the IRS to get back to them. Bank of America is DUAL TRACKING. They have a complete modification package and yet are foreclosing due to an issue they created. At this time, we are demanding the sale date for XXXX be postponed until the issue is resolved, as well as answers be provided to the questions we have, or he will assert his legal right in district Court Naming Bank of America as a defendant.

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 2022-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX ) {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: PENTAGON FEDERAL CREDIT UNION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/XXXX Re-financed SUV from XXXXXXXX XXXX  to PenFed Credit Union XX/XX/XXXX - Received correspondence from PENFED Credit Union they had not yet received title or any evidence of a perfected lien and to immediately send to them. 
XX/XX/XXXX - Mailed copies of XXXX XXXX  information showing account had been paid in full and a copy of the Certificate of Title to PenFed Credit Union in a self addressed envelope they had provide addressed to XXXX XXXX XXXX, XXXX, CA XXXX as requested. 
XX/XX/XXXX - Received correspondence from PenFed requesting I sign and return to them a West Virginia Division of Motor Vehicles " Voluntary Lien Created After Issuance of Original Title '' provided by them to the same address above. 
XX/XX/XXXX - Signed and return requested form. 
XX/XX/XXXX - Received correspondence from PenFed advising me they had a " system flaw '' and were informing me of a correction to the promissory note dated XX/XX/XXXX correcting the maturity date to XX/XX/XXXX. 
XX/XX/XXXX - Received correspondence dated XXXX advising me they were raising the APR on the subject vehicle a XXXXXXXX XXXX from a fixed rate " secured '' loan@ 1.99 % to 14.00 % theri " Highest closed end unsecured loan '', a {$190.00} increase in monthly payments to ne effective XX/XX/XXXX because of my failure to provide the requested copies of the title and loan pay off information from XXXX XXXX  which I had sent to them on XX/XX/XXXX. 
XX/XX/XXXX - I called XXXX the number they provided and spoke to " XXXX '' and explained the information above. She contacted her supervisor " XXXX '' who stated I would have to go to WV DMV, request a duplicate title and send to them via a service that provides a tracking number. This was necessary because they never received the title I sent on XX/XX/XXXX. I requested to speak to their supervisor but was told they would put in such a request but I would have to wait for one to call me back to discuss further but hey also would put in a request for a 60 day delay in raising the APR to 14 %. 
Obviously they are having issues with information handling on their end and are requiring me to take hours of my time and expense to provide them information I have already provided. Seems like a great excuse, " we never got it '' to raise my low rate to their highest

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 2017-02-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I obtained loans from XXXX XXXX ( now Navient ) starting XX/XX/XXXX - XX/XX/XXXX for XXXX and XXXX school. Upon graduating, I contacted XXXX XXXX to request an income-sensitive payment plan since I was not making enough to pay the large amount that they stated I owed. I was told that there was a plan to I could do to reduce my payments. The next month, I saw that there was no payment due. I contacted XXXX XXXX to inquire why and they said that I could decide to make payments or not to, but that it wasnt required. I made payments and eventually saw that there was a small amount due each month and then after a while the payment due was huge even though I had been making payments. Flash forward to today where I have been making payments monthly for 5 years or so and my balance is not going down ... at some point the balance actually went up. I have tried repeatedly to call XXXX XXXX to get a transaction sheet of all payments and credits that I have made on my loan and was told that information is not available. I have been trying to get someone to look at my account for years to help me understand why my balance does not go down. After calling last week, I was told that they cant see back that far. I was also told that my loan was put on forbearance and not an income sensitive plan during which time it was accruing interest. I have been making over-payments for the last year and the balance still doesnt go down. HELP!!! There is no way that I can be making payments on time for this long and owe more than when I started with the balance not moving. There is something not right about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: LEXISNEXIS
State: AR
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:
UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last XXXX months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from XXXX and I have been complaining about this for XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: The CBE Group, Inc.
State: FL
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:
this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for XXXX cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I, like many others with student loans, was not able to handle my payments so I called Navient to help with this issue. They offered me the option of the " forbearance '' program which would allow you to not make any payments for a certain amount of time and then your payments would be reduced based off your income. Once the forbearance period was over, I would start paying again. I was not given any information that my principal loan amounts would accrue interest during this period time of forbearance. I was under the assumption that every thing had halted once I was in this forbearance period. Now thinking back on it, it makes me realize that this deal was way to good to be true. Nothing comes for free in this world, but I was not notified. I saw that the CFPB filed a lawsuit against Navient recently regarding this same issue of forbearance and posted about it on their website stating that " ... the Bureau believes that Navient steers many borrowers into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Certain consumers with subsidized loans end up paying a heavy price because they could have potentially avoided those interest charges ... ..The Bureau believes that a large portion of these charges could have been avoided had Navient followed the law. '' I posted the link below. 
http : //www.consumerfinance.govXXXX I realize that this is still a pending lawsuit, but I wanted to make known to the CFPB that I was XXXX of those millions of students steered in the wrong direction trying to responsibly handle my outstanding debt. Please let me know what you need from me if anything. I am willing and happy to help with any documentation or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've reached out to TransU twice before to get them to clean up incorrect information. 
( letter # 1 dated XX/XX/22 - My direct request to you are as follows : Please remove the bankruptcy information, and please remove the addresses, phone numbers and names that do not match what I have listed at the top of this letter. Lastly, the current freeze should definitely remain in place. ) They responded on XX/XX/22 but still showed incorrect information. Ugh! 

( letter # 2 dated XX/XX/22 - I write TransU again. Your letter noted that the bankruptcy has been deleted. However, you are still reporting all of the various names ( or aliases ) and incorrect addresses, I am once again requesting to have that information removed/ deleted. Please provide a corrected report so that I can validate the correctness of the information you are sharing about the file with my name on it. ) They responded on XX/XX/22 with a form letter saying it didn't appear that a third party was improperly authorized to request my info. What?! 

I contacted them online initially and got no response so I sent 2 certified letters. I'm tired of this game and need some help from CFPB for TransU to take this seriously.

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