BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I recently inquired about me having to pay mortgage insurance that I thoughtwould end after five years by calling BOA. Customer service said they would sendme some paperwork and I need to read that. 
I received a INFORMED CONSUMER CHOICE DISCLOSURE NOTICE dated XX/XX/2010 ( one month before my actual closing on the house ). 
That Notice has my name as a signature but that is NOT MYSIGNATURE. So I called BOA and talked to Customer Service and theFraud Dept explaining them that this is not my signature and they said they had to investigate this and it is " serious ''. 
Somebody forged my signature and I never seen this Document before thereforemy argument is that I feel that I should not have to pay this Mortgage Insurance Premium. 
They said they will send me a Signature Affidavid but so far I only received a letter from BOA saying I need to pay {$32000.00} to eliminate the MIP! 
BOA so far is not cooperating with my request and even makes furtherdemands! 
Please contact me at my earliest convenience, I have a reference # andname who I talked to but can not disclose it here ... 
Please leave a message on my Cell Ph # I have provided if I do n't answer and I will return your call. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is the 5th time in 4 years that I have submitted a request with the required documentation to Bank of America to modify my XXXX mortgage. The previous reasons for decline have been : 1.I make too much . 2. I do n't make enough money. 3. This is n't my primary residence. 4. I am not delinquent. It seems to me that BofA is not reviewing my request ( s ) in good faith. Because their stated reasons make no sense. How can I make too much money and then not make enough $ when my income has not changed except for XXXX over the past 5+ years. I have lived in this house exclusively for almost 20 years. I was not delinquent because of the fear of foreclosure, since this is my ONLY residence. I have become delinquent simply to comply with their last request, but only 1 payment. I have asked them to change my due date from the XXXX of the month to the XXXX of the month to coincide with my soc security. They said that they could n't, therefore I 've accrued multiple late charges. As a result, I have been forced to file bankruptcy. I have completely lost faith in BofA, therefore I am filing this complaint and seeking as much help as possible for them to honestly and professionally review my request for a modification. I was steered into this predatory 6.25 % interest only loan for 10 years in XX/XX/XXXX at which time my payments will increase about XXXX %, in XX/XX/XXXX from {$1000.00} to XXXX+/-. Because of BofA 's indifference, I am forced to file Bankruptcy. Included in my income is VA XXXX ( significant hearing loss ). When asked for a BoA manager to review my situation, I was transferred to XXXX XXXX, who admitted that he was new at the job, therefore had his XXXX with him. When I told my story they seemed uninterested and felt that since they were in a position of power, they excitedly said they would foreclose rather than review or entertain my situation. Unprofessional and uncompassionate to say the least. 
Thank you for listening to 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 2020-03-03
Company: Experian Information Solutions Inc.
State: FL
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-08-18
Company: MIDFIRST BANK
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I AM WORKING WITH THE XXXX PROGRAM TO OBTAIN THE $ XXXX TO GO TOWARD MY MORTGAGE ARREARAGES AND MIDLAND MORTGAGE HAS ( DURING THE XXXX  PROCESS ) HAS FORECLOSED ON MY HOME. I AM WORKING WITH A HUD AGENCY AND WAS CONDITIONALLY APPROVED FOR THE $ 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 2020-10-01
Company: Experian Information Solutions Inc.
State: NV
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 am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following as this is the second attempt. Please remove 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 explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a credit card from my bank. My partner co-signed. His credit score is much higher than mine. Mine is about a 698. We were both denied because one of the credit reporting agencies has a record saying that I filed bankruptcy. I didn't file for bankruptcy. I believe there was an action of consideration to file for bankruptcy to buy time on a legal matter dealing with my home. The legal matter has since been completely resolved. But, never at any point did I actually file for bankruptcy. I was denied a credit card based on this erroneous data.

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 2022-08-18
Company: EQUIFAX, INC.
State: GA
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 Report act XXXX  Account XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address I no longer live that I'm subject to identity theft. 
XXXX XXXX XXXX XXXX, GA 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Report act XXXX  Account XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address I no longer live that I'm subject to identity theft. 
XXXX XXXX XXXX XXXX, GA 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.

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 2020-10-01
Company: EQUIFAX, INC.
State: NV
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 am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following as this is the second attempt. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To date and at the time of this submission, I have lodged XXXX Consumer Financial Protection Bureau ( CFPB ) Complaints that are automatically forwarded to the Department of Justice and the California State Attorney General ( AG ) related to Bank of America and my dealings with this company throughout loss mitigation workout assistance and processes. 
Bank of America has never once provided me with a response actually addressing many of my concerns deciding to continue on as they have been by misstating my concerns, supplying non-responsive replies, or cease communication altogether. 
The latest instance of this show of lack of good faith was XXXX XXXX, 2016 through the written response provided by their current legal advisors. It is unclear if Bank of America has withheld material facts from their retained attorneys who then proceeded to respond based on the information provided to them by Bank of America, or if the legal response is based on the account records including, but not limited to, internal Bank of America documents and documentation.

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 2015-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, I received a notice from Bank of America , NA. Attention : Default Servicing, from the XXXX office. In all caps, it used legal titles of the loan successor, etc, and then in the bottom XXXX of the front page - in BOLD and CAPS " IMPORTANT RIGHTS FOR HOMEOWNERS NOTICE OF PRE-FORCLOSURE OPTIONS '' ( and continued with ... ) " You must respond within thirty days of the date of this letter to take advantage of your rights. IF YOU DO NOT RESPOND within thirty days, a notice of default may be issued and you may lose your home in foreclosure. '' ( there is more that follows ). The letter is dated XXXX XXXX - nearly XXXX of the time to respond had already passed by. 
I became panicked but had to wait to the following day to get through to Bank of America 's debt collection office. After review of my home equity line of credit, the agent XXXX ( employee # XXXX ) assured me there is nothing with the account that is cause for alarm or includes a threat of foreclosure. I shared with her my alarm and criticism of the format of the letter. I also thanked her for assuring me that my account was ok. 
Also on XXXX XXXX, I 'd missed a registered mail piece from Bank of America on the same day this letter had arrived. I picked it up at the USPS later on XXXX XXXX and found that this piece, for which I had to drive to the local post office and sign, was the EXACT letter I 'd received the day before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I applied for and was approved for a Sams Club master card on XX/XX/2020. When I received the card I also got a letter letting me know the interest rate of 22.9 % reflects my credit score of XXXX. I looked at my score and it was XXXX. I felt why give me a {$4000.00} line with a XXXX score. I called the card and was told that score was reported to them from the reporting agency, XXXX. I called XXXX  and was told they are wrong, the bank does not get your score, and not sure how they come up with this number. I chated with the bank again on XX/XX/2020 and no help reducing the rate. Currently, my score is XXXX. 
If the bank can just make up numbers to give you a high-interest rate, how is this fair to anyone? I work hard to keep a good credit score but  what is the difference if they can just make up numbers. Is this a common practice and ethical?

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 2021-02-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I tried to close my checking account with US Bank in XXXX Ohio in XX/XX/XXXX. I emptied my checking account and walked out of the premises. On XX/XX/XXXX my account ( unbeknownst to me ) went into collections with US Bank and was sold in XXXX to XXXX XXXX XXXX. I received a collection notice in XXXX of XXXX from XXXX XXXX XXXX XXXX  for the debt for my account in the amount of {$160.00}. On XX/XX/XXXX I sent a letter acknowledging the debt to XXXX XXXX XXXX XXXX with payment requesting the debt be acknowledged as paid off and the record removed from their database. I received the return receipt from XXXX XXXX XXXX XXXX and have not since seen a complaint on my credit report in regards to the debt. 
On XX/XX/XXXX approximately XXXX EST I received a phone call from XXXX at XXXX XXXX XXXX XXXX stating I had accumulated debt and interest of {$1400.00} for the former US Bank account that was sold off in XXXX. XXXX then stated that XXXX XXXX XXXX had sent letters to previous addresses notifying me of the debt. I requested she send the letter to my current address and she stated that they didn't have to because it costs money and they are only required by law to send two letters. I was then sent a letter of demand via email stating I must notify the office within 24 hours if I choose to dispute or the debt is assumed valid ; furthermore I had to notify the office within 7 days in writing requesting verification. 
If I'm reading this correctly I have 30 days to respond by law, not 7, and certainly not 24 hours.

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 2016-10-27
Company: DISCOVER BANK
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have online Savings account with Discover. Deposits and withdrawals are done online through ACH with a non-Discover checking account. The authenticity of the checking account is verified at the time of opening an account. For a withdrawal of large amount, which can earn a few dollars interest everyday, the Discover bank debits the savings account on the day of request, for example on XXXX XXXX, 2016 but the bank does not transfer the money for 3 - 4 days, thus not paying interest on the money which is still with the Discover bank. The Discover could not show any policy in writing to show this delay in transferring the money and not paying interest after speaking with the customer service rep and his supervisor, who kept on confusing me with the hold time for deposits. For these hold time on Deposits, the interest is earned, but on withdrawals where the account is debited, but the money is still held by Discover bank for 3- 4 days, the interest is not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I sent multiple certified letters over 60 days ago and still have yet to receive any sufficient results upon the errors on my credit report. As a consumer I feel like I am being mislead and taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: GA
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:
I have a total of 6 inquiries that were not authorized by me. Five inquiries took place on XX/XX/2020. These include : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Another inquiry took place on XX/XX/2020 for XXXX XXXX XXXX XXXX that was not authorized by me. I did not agree to or authorize the listed inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We signed online to Bank of America billpay to have them send a check to our kids college apartment for XX/XX/XXXX payment. Bank of America cut the check, withdrew the funds from our account, and used a 3rd party consolidator to deliver the check. The 3rd party consolidator put multiple banks checks into XXXX envelope to deliver to the college apartment. That envelope was taken fraudulantly and our check was signed and cashed fraudulantly. The Apartment did not receive XX/XX/XXXX payment and Bank of America will not return the funds to our account. Instead they are asking the Apartment complex to fill out a form for a federal investigation, meanwhile the Apartment has no rent check from us and we have no money in our account to repay. I understand it is a state law in NC for the bank to resolve by returning our funds while they investigate what happened, however Bank of America refuses to do this. The other XXXX banks who had checks stolen in the same envelope already returned funds to their bank account holders, but Bank of America will not. The apartment is in XXXX NC and our bank account with Bank of America is in NC. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster  loan.

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 2022-02-27
Company: The Commercial Collection Corporation of New York, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been victims of an Identity theft, I fill up a FTC report twice but the information came to me verified by XXXX. That collection is the only negative Item in all my credit history and I have it recorded only with XXXX. I have nothing to do with that account I never leave in that address reported by the collection is not attached to my credit report. That account is stopping me from moving on with my live. I'm unable to qualify for a simple apartment with my daughter because of that. Please sir I really need your help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Bank of America Advantage Plus checking account on XX/XX/XXXX, with a {$100.00} deposit. I had two direct deposits, greater than {$250.00} each : XX/XX/XXXX DD {$580.00}, and XX/XX/XXXX DD {$590.00}. These were the criteria for the {$100.00} bonus. 

No bonus has been received. I called to complain and was told I was a customer within the last six months. My previous account ending in XXXX was closed on XX/XX/XXXX, 238 days before the new account, checking ending in XXXX, was opened. 

So I made the two direct deposits within 90 days, made the opening deposit, and was not a customer within six months. They owe me {$100.00}. Please assist me in collecting this bonus. 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