BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have complained persistently about the unscrupulous actions of my mortgage servicer. I applied in XXXX 2014 for a home modification mortgage due to my factual circumstances that are also permanent. I am a XXXX woman who receives Social security XXXX as her unearned income source. This income is not taxed as I provided proof to the loan servicer. I have supplemental income from XXXX and Food staps that are also unearned income sources. The total of all is a gross income of $ XXXX.per month. Bank of America refuses to abide by FHA federal guidelines for any modification and is stating I have only options to leave my hoe. Have it foreclosed upon and suffer bankruptcy. I have paid monthly payments according to FHA guidelines whereas the escrow is paid first then the principle or interest is secondary. My timely monthly payments have been ignored bu the Servicer and they failed to report y monthly payents to FHA and to the dredit agencies and my credit as a result has suffered negative reports. FHA has been wrongly notified that my payments are in arrears 13 months. this is false and BOA is now attempting to foreclose and denying me fair treatment to have any modification based on my TRUE gross income of unearned income. BOA unfairly grosses my income up 25 % and then offers a unrealistic trial offer of payments to modify y mortgage based on untrue income. My XXXX can only be used for food. My XXXX is permanent. My unearned income is not being calculated fairly and my rights as a XXXX person, single person and a woman are being violated and I know they are discriminating. XXXX XXXX IL filed a discrimination suit against BOA for unfair mortgage tactics to borrowers. Please look into this. I want resolution and my XXXX Rights as a homeowner who can not move with out funds, justice or credit. I deserve to be able to live in my property without threats of foreclosure when BOA fails to report the truth. I have taken Financial counseling with XXXX, as they also are aware of my affidavit sworn of my true circumstances, XXXX and all my expenses that are valid cost of living. I am being penalized by BOA for being XXXX and alive.

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 2016-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was a result of identity theft and I have not only informed Bank of America, but I have been in contact with the FTC and the FDIC and recieved a packet of information that I am sending relevent information as well as a file from XXXX. I know you were notified that XXXX blocked your account and you choose to break the law as defined by the FTC.

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 2023-02-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email from Wells Fargo on XX/XX/XXXX of XXXX informing me that they had decided to end their banking relationship with me for business reasons. I questioned what I had done wrong and felt bewildered and heartbroken. I phoned customer support right away, but no one there was willing to assist me or provide me any information about the circumstance. Later, I learned that my account was being closed by loss prevention, who had taken control of it and was terminating it later. 

Having remained a devoted Wells Fargo client since XXXX I wasnt expecting to be treated this way and certainly not without cause or prior notice. Although I recognize that banks are for-profit organizations and have the right to end their connections with customers at any time, I would have appreciated an explanation or perhaps some assistance. Sincerely believing that a mistake was made, I would like to request additional investigation on my behalf. 

I just read an article that indicated that some Well Fargo banking customers had their accounts closed without prior notice, despite some of them having been with the bank for 25 years or more. Another article stated that XXXX XXXX, a former fraud investigator for Wells Fargo, said the banks response to reports of some fraudulent activity was to simply close customers accounts instead of investigating what had happened. Instead of looking into fraud claims, the bank would instead save money by simply closing accounts under the pretext of a business decision. I firmly believe that I belong to the group of people who Wells Fargo has wronged.

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 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my 5.5 % interest mortgage in XX/XX/XXXX with Bank of America. I never received a final reconciliation report so I called on XXXX XXXX and was told that the lien release would be sent shortly and that I would get a {$60.00} refund. I did get the lien release notice a couple of weeks later but have not received the reconciliation report or the {$60.00} refund. Sounds like B of A is up to their old tricks again.

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 2016-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been attempting to apply for a primary residence loan with various companies, most recently, Bank of America ( but also XXXX and XXXX XXXX. All of them have told me that I would be wise to pay cash for my new house because I do not have wages from a job to qualify adequately for a loan ( I am a XXXX, XXXX years old, and have sufficient income in my IRA according to my financial consultant to last till I am XXXX if I am careful ). I had planned to use the net income from the sale of my house in XXXX and from a small condo in XXXX ( my XXXX house ) to pay for the XXXX % down ( {$90000.00} ). I have XXXX other houses, rented, with some small extra income besides. I receive social security and take out enough from the IRA to cover all my expenses. The XXXX house I am buying equals in price the value of the XXXX houses I am selling. I have an excellent credit rating and have never had a financial problem ( foreclosure, etc. ). The Bank of America has told me, however, that all it can do is give me a mortgage for maybe {$170000.00} ( less than the $ XXXX I owe BOA currently, which the bank refinanced as a 15 year mortgage two years ago so that I could pay it off more quickly ). I have sent them my last XXXX tax returns, a XXXX for 2015 from my XXXX stock IRA, my Social Security XXXX, and an end of year summary at XXXX for the money my IRA and I have made this past year in a down year ( around $ XXXX ). Today I was told I must submit my 2015 return as part of the application process, which I thought I had till XXXX XXXX to submit. I am supposed to double-close on the primary residence I am selling and the new house I am buying at the same time/title company ( XXXX XXXX ) so my sellers can close on their house on XXXX XXXX. Not only do I believe this is illegal to ask for BEFORE XXXX XXXX, but I have n't finished it. Which means a defacto refusal on the part of Bank of America ( my executed contract for the house will expire in two weeks or so ). I was shocked when the agent told me I had n't even applied yet ( I thought I had ) and besides it would all need to be sent to the underwriter. I have been given a Prequalification Letter by Bank of America, which is why the sellers signed the contract. Dragging her feet means I will not be able to meet the contract deadline and perhaps not close at all timely. I believe that I am being discriminated against on the basis of age. I asked her what documents she needed for the approval that might be covered in the 2015 return, but she did not tell me. She just said she did not want to waste my time or money any further. I do not understand why I do not qualify for this loan, with XXXX houses and an IRA in value close to XXXX dollars.

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: NE
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX XXXX XXXX : Submitted a XXXX Complaint with my XXXX credit card account, opened XX/XX/XXXX, limit {XXXX}, ending in XXXX. Account was erroneously submitted as being 30 days late. XXXX  complaint # XXXX states that the bank submitted the following response : " XX/XX/XXXX Submitted via XXXX XXXX XXXX  Website Case Number : XXXX XX/XX/XXXX Submitted via XXXX XXXX XXXX  Website Case Number : XXXX Creditor : XXXXXXXX XXXX On behalf of XXXX XXXX, I am responding to your inquiry we received from the XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. I appreciate you bringing this matter to my attention. 

On XX/XX/XXXX, XXXX XXXX  electronically requested all major credit bureaus delete all late payment history regarding your XXXX XXXXXXXX XXXX ( r ) account from your personal credit history. 

From your inquiry, I understand the update has not been reflected on your personal credit file as of yet. I have submitted a new electronic request to update this information and attached a copy of the Universal Data Form, AUD number XXXX illustrating this request. The updates to your personal credit report may take up to 60 days. After this 60-day time frame, please reference AUD number XXXX when contacting the four major credit bureaus. Their contact information is as follows : Equifax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Thank you for the opportunity to respond to your concerns.

________________________________________ I then submitted 4 disputes with XXXX  regarding this account, each time they responded that the disputed information has been verified as correct, yet it still shows under " derogatory accounts/ accounts with adverse information '' on my credit report with XXXX. It also shows up under " Payment Status '' 30 days late & 30 days past due date.

Equifax : same story, submitted 2 disputes with Equifax, this still has not been removed from Equifax 's derogatory accounts : " Payment status : '' Not more than two payments past due " Date of first delinquency : '' XX/XX/XXXX XXXX was the only Credit Reporting agency to update this correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ( These accounts have violated my rights ). 
( These accounts have violated my rights ). 
( These accounts have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-10
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I took out the loan I first had asked for {$1500.00} I was there with someone and asked if they could co sign so they would be responsible she said no we can only put you in the loan I had to pay to get the loan and it was not credited to my account when I was presented the document I asked if I could take them and read them and she loan officer preparing the agreement on a computer with the screen facing the loan officer. 
The loan officer had Me accept the agreement on the computer, but the loan officer did not turnover control of the computer to me so I could see the entirety of the agreement i was accepting. So she summarized it for me saying I will receive pages through my e mail she said she will send them to me and I have 3 days to read them and give back the money I never received the paper work to my email or anything I dont know what I agreed to. I then got calls every day 5 times a day to extend my loan to give me time to re pay i had to pay a fee each time and I was told it would go against my loan repayment and when I went to pay the amount due on du date she says non of the payment goes towards my loan its only to give me more time to pay which that was not told yo me in the beginning I was told to pay that amount and it would be tapping my loan I still dont have paper work or anything to explain my fees and when I will be able to pay my loan off by making these payments the payments are higher than my car note and my vehicle isnt even worth what I was able to borrow.I ended up maxing out and still no time to review anything titlemax intentional misconduct I have given them over {$500.00} and nothing is towards my loan I dont understand and cant pay when I went to look for dates and document they closed My title max account and nothing is linked to it and they wont let me back in my naccount saying I need to make a payment first

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent checks were deposited to my daughters account ( which has been linked to my account since she was a minor ) through an ATM, and somehow the money was made available the same day. My daughter did not realize that she lost her debit card as she is young ( XXXX ) and still trying to understand responsibility ( I know no excuse. My daughter had a daily limit for withdrawal of {$500.00} however someone was able to withdraw over {$1000.00} from the ATM. I can not even withdraw that much money from the ATM. As soon as my daughter realized that her account had been compromised she called me. We immediately called the bank and told to go to the branch the next day. We filed an on line police report and went to the branch. The branch rep told us we needed to call Chase customer service as her account is restricted. Because my accounts were linked ( because she was in high school when her account was opened ) they took all of my money leaving me at a XXXX balance in two accounts. I called and filed a claim XX/XX/2018. I received a letter dated " XX/XX/2018 '' indicating that my claim was denied. I am unsure how a investigation can be done in less than 24 hours. I called immediately and threatened to obtain an attorney. At that point I was transferred to the " Fraud '' department. I thought I had been dealing with the Fraud department all this time. A claim was filed and I informed the, I wanted them to pull the video  footage because I want to prosecute and need my money back. They took every dime I had and left me with nothing. I finally received a call today saying that my claim was denied because my daughter didn't report her card stolen in time. Granted I understand that and I am aware my daughter was negligent in doing that but again she is young and still learning how to be an adult. My problem is they aren't concerned with the fact that fraudulent checks were deposited into her account and withdraws were made via ATM. They don't care because they took all of my money. Regardless of my daughter not reporting the loss of her card in a timely manner because she didn't realize it, I need my money and why aren't they concerned with the fraud being done? I have done some investigation on line and there are a lot of complaints regarding this bank and situations such as this. There is a remaining balance that they are expecting us to pay. Really, we did not have anything to do with this. I believe this is an inside job as how can one over ride checks being deposited into an ATM and be available immediately, how can one get someones pin ( Chase recording asks for pin when you call to activate a card ). Fraud activity with banks and ATM 's were even on the news this past week .... Please help me get my money back from CHASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Specialized Loan Servicing Holdings LLC
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have always made my payments on time. For some reason. I have a loan with SPECIALIZED LOAN SERVICING.I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. 
, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPEC LOAN SV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation