BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
About two years ago I applied for a HAMP modification ( for my mortgage ), working with a credit counselor.Eventually I was approved .After that, I was told by credit counselor to apply for a XXXX for my second lien, ( Equity line of credit ) .They use the same paperwork.My second lien was from another banking institution then the first. The credit counselor sent me a copy of the government book with all information. We conference called that institution several times. Constantly getting the run around.Everybody had a different story of how the program worked. Every time we called we spent hours on the phone XXXX story after another. Most of the time they were just rude.It came down to my payment had to be over {$100.00}, it was short by {$4.00}, so they deny it. Was told to wait until rate went up to reapply. In turn my payment would increase qualifying me. The rate increased, my payment went up and I called the credit counselor. Again, we conference called the institution to let them know I should now qualify. Round and round we went. The credit counselor and I both kept records of all calls and different information we received .Once the intial call was put into the institution I started receiving a call about every other day from institution that they had phoned in error between XXXX XXXX & XXXX XXXX for about 4 weeks.Always, while I was at work like everybody else. When we called back they said that on my record they tried to reach out to me several times and did n't answer the phone. I explained I work during the day just as they do and the message said in error? Now they say have to be assigned a case manager and can proceed in XXXX through her.Months of the lies and stories. Set up appointment with her on XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX a lady calls and says she is calling on behalf of case manager. I explain that I have a appointment set up for the XXXX at XXXX conference credit counselor and I and case manager. They never call Monday the XXXX. Credit counselor sends information to HAMP escalations team for a response and help.Now the story is I ca n't be reviewed again.I have read the handbook over and over, it says nothing about this criteria. I believe the credit counselor is aware of criteria and we have following all the guidelines.Just XXXX roadblock after another. Conflicting information.Through our calls several banking persons said I did qualify. I believe this institution is just wasting time so people give up because of the hassle.The modification before this, we ran into similar results in the beginning but finally reach a person to help.I have so much more of info. but trying to keep it brief. Thanks

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 2015-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in foreclosure. The alleged mortgage and note holder is Bank of America N.A . 
I lost my XXXX in 2008 and employment, from which I have not been able to recover. I have pleaded with Bank of America N.A . through hardship letters, in person with their loss mitigation personnel without success.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: MO
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:
This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called ove r 25 tim es ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked ov er 20 tim es for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    .    I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: CT
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:
I sent mailed exquifax a multiple inquiry letter on   X/XX/2017     by certified mail in regards to several inquiries that were being reported on my credit file they recieved it on   X/XX/2017     the request included  XXXX  inquiries that were not factual and I received the same response for all inquiries which stated " inquiries are a factual record of file access '' if you believe this was unauthorized please contact the creditor.according to the fcra rules, Fcra 623 ( b ) (  2  ) and 611 ( a ) (  1  ), it states that any information can be disputed no must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its file. The fact that I received a response  X  days after they got the information I disputed, one can assume that there was no investigation into this matter. I plan on buying a home in the near future and this many inquiries show a sign of financial trouble when this is not the case. I am sending this complaint due to the lack of investigation into my previous several disputes for the same reason which were my hard inquiries and got the same answer every time within a few days. I never signed anything authorizing anyone to run my credit at all this is unfair practice by a credit reporting agency with no concern for the credit worthiness of a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I got in touch with XXXX yesterday to discuss getting a mortgage. I discovered today that my credit report was negatively affected by my inquiry with them. I do n't understand why I 'm being punished for trying to acquire necessary mortgage information. Checking credit is part of acquiring a mortgage, and I do n't see why people should not be allowed to make any necessary inquiries they want. It 's my credit. I should be able to check it as often as I 'd like and allow it to be checked as often as it needs to be. I do n't understand how something so important to making big decisions in a person 's life can be so easily negatively affected. I want this drop in my score to be expunged!! This is unfair treatment for doing something that is far from any sort of irresponsible behavior!

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: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The Bank Closed And Blocked My Account From Being Used. and simple bank wont help me with any information on this account there was a direct deposit from   XXXX   XXXX    XXXX  {$440.00}   XXXX   XXXX   XXXX     Was Given to me And  Simple  Bank has not Released the Funds or Return that check back to   XXXX   XXXX  . They have given me none of my money that was left on my account please help with this problem.     The Bank Wont Return ACH Check Back To   XXXX   XXXX    and i have not received my benefits payment from Simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a credit from chase@XXXX limit issued from XXXX to XXXX. went to use card but card was expried, with out me being aware of it. chase knowing about this did not send me a knewn card. made all my payments on time. talk WITH DIFFERRNT MANGERs .They ask me could they do anthigng for for me. I told them to to give an increase XXXX to XXXX XXXX. everytime I talk with a different manger they would pull my credit. denied me increase, to a good paying consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Other

Complaint:
XX/XX/2015I closed my credit card account ending in XXXX on XXXX/XXXX/2015. The account was paid in full when the account was closed. The account was online and I did not receive any paper statements on the account. 

On approximately XXXX XXXX, 2015 I received a letter from Bank of America. The letter stated my account was past due in the account of {$160.00}. This was the first letter or email I had received about the closed account XXXX. 

XXXX XXXX, I phoned the number on the letter ( XXXX ) and spoke to XXXX, then XXXX and then XXXX. I spoke for a total of one hour 12 minutes to Bank of America. 
In speaking with XXXX I was told a company called " XXXX '' charged my account in the amount of {$100.00} and the rest of the charges were late fees. XXXX told me if I paid the {$100.00} he would take all the other fees off the account. I was unhappy something was charged on a closed account and asked to speak to a supervisor. 

I was transferred to XXXX. XXXX told me things could be charged to a closed account for 30 days after an account was closed. XXXX told me if I paid the {$100.00} all the other fees would be taken off the account. I was unhappy something was charged on a closed account and asked to speak to another supervisor. 

I was transferred to XXXX. XXXX told me the " XXXX '' charge was made on XX/XX/XXXX. This is 44 days after my account was closed. XXXX told me anything could be charged to a closed account. XXXX said I had to pay {$100.00} which was the " XXXX '' charge as well as interest and then all the other fees would be taken off the account. I requested all the statements be mailed to my address. I have none of these statements and I ca n't look online at anything on the account because I closed the account. 

At this point I simply wanted to be done and I felt VERY harassed about the whole situation. I paid XXXX and she used check number XXXX from my XXXX checking account. XXXX told me the case number for the issue was XXXX. 

XXXX XXXX, I received a phone call from XXXX at XXXX. She requested I pay another {$1.00} and some change for additional interest. I hung up the phone. 

I am very upset about this issue. 
We paid in full XXXX CLOSED our account on XXXX have no access to the account, because it was closed online and we did not receive paper XXXX days AFTER our account was closed, Bank of America took a charge on a CLOSED account. 
When we did receive a paper bill/statement, we call XXXX receive different information from different customer service people. 
We DID PAY the charge & interest, just to be done with Bank of America, and then Bank of America did n't take off late fees AS THEY SAID THEY WOULD. 

Would you please assist us with this matter? 
Please contact us anytime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery have a credit card debt that I had started to pay back in good faith ; arrangements had been made for an automatic withdrawal starting XXXX 2015. I was forced to discontinue payments from XXXX 2015 after losing my job, which they cancelled the payments, but since then they continually call at a bare minimum of 8 day intervals, and normally call every two days, even knowing I no longer have the ability to pay. Every time I tell them nothing has changed since the last time they have called, the response is always : " Well, our computer automatically dials it. '' I want an immediate end to this harassment, I want them to be forced to discharge this debt if they continue harassing me! Different numbers come up on my caller ID, but the XXXX prefix is most prevalent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Just because I got myself in a mountain of debt, that is no reason for a company to take advantage of me. The company already had me into it for a large loan, then it approved another loan on top of that. They charged me interest like they are loan sharks.  XXXX  loan states that I still owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. Another  XXXX  at the same company states that I owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. I set up a direct pay from my bank to pay them every month from my checking account, and they still charge me a late fee every month even though I never miss payments. I am being taken for a ride.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with First Tennessee Bank on XXXX17 with a deposit of {$300.00} and had my first direct deposit on XXXX/17. It has been over the six week mark since I met the requirements to receive the stated {$250.00} bonus. Would you please see to this matter? <P/>I have contacted First Tennessee Bank via email about this situation, but did not recieve a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Clarity Services
State: IA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have disputed the issue with Clarity Services and with XXXX but have not received a final response. I would like to file a complaint against Clarity Services, XXXX XXXX XXXX, FL XXXX. On my XXXX credit report are XXXX unauthorized credit inquiries by Clarity Services. XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. The other XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX. I did NOT apply for these payday loans. I have placed a fraud alert and security freeze with Clarity Services. I have written a letter to XXXX requesting to have these fraudulent inquiries removed from my credit report. I have filed a police report as well. Now I would officially like to file a complaint against Clarity Services. I see that they were fined XXXX dollars in XXXX XXXX. Looks as if they continue to commit fraudulent practices against people. Thanks in advance for your assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
William, Rush, and Associates contacted me about someone elses account. They have left frequent messages and the debt does not involve me in any way.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: MO
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:
This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called over 25 times ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked over 20 times for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX -XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX-XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX -XX/XX/XXXX . I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.

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 2017-05-02
Company: Bread Financial Holdings, Inc.
State: TX
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:
This trade creditor inaccurately reported on my credit report that a bankruptcy was filed.     The original date of the debt was   XXXX  . Nothing appeared on my credit report for over   XXXX   years. Until I went to apply for a home mortgage, they reported a balance of {$130.00} balance was charged off due to a bankruptcy.     There was no bankruptcy ever filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My due date for Home Depot  Consumer  credit card is the first of the month.I pay it early each month on the  XXXX  or  XXXX  of the preceding month. They charge me a late fee saying it was for the previous month even though I made a payment for double the amount due  XXXX  weeks earlier. This appears to be a scam to generate late fees for payments that are not late.   They ca n't ( or wo n't ) explain what date I need to send in my payment to not be late.   There is no possible way to get caught up.     I pay {$200.00} on   XXXX     and {$200.00} on  X/XX  30 days apart yet my {$180.00} payment on  X/XX    generates a late fee on  X/XX . The minimum payment is less than {$100.00} for each of these months. This should never happen.     Predatory late fee structure designed to generate unearned income to company.   Consumers have no recourse. Phone line help staff are clueless.

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 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Bank of America has a open account on my file which as Been paid. In full as of XXXX However it still is reported has not paid. To Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX I have also sent copies to the Bank and XXXX systems I have Been told no one knows Anything. Please Help Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wis. My old address That is on my XXXX XXXX file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX charge off amount {$160.00}

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: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On  XXXX , at  XXXX  our office received a call from Sun loans looking for former employee. I said no such person here, please remove our number. On  XXXX  at  XXXX   XXXX , I notice a missed call from Sun Loans. I call back at  XXXX  and ask again to be removed. The agent replied, if we come across the number again we will ignore it. No, you are reached a local union hall please remove our number. We do not have contact information on the person that you are looking for. Agent repeated themselves. I asked for their supervisor. Supervisor was just as rude, repeated what agent said. I became upset at this point and started cussing. I no longer wanted to hear that they might or might not remove our number. I hung up on them. At  XXXX  the supervisor called back asking to speak with my supervisor. Since I am the office coordinator, I said speaking. I told her that I am on their website lodging a complaint against her. She became very rude and unprofessional. ( which i noted in my complaint ) I hung up on her again.  XXXX  then contacted  XXXX  council office to lodge a complaint against me. Which after a conversation with my peer at this office, we laughed and wished each other a good day. I then lodged another complaint against her on sun loans website and contacted the number listed demanding that she be fired for unprofessional-ism and unfair business practices. There is no reason that our local union hall should continue to be contacted when we have asked repeatedly to be removed from their calling list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: IL
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:
Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604.   The letters are attached below.   Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.   Credit Agencies failed to prove  3  requirements and failed to remove inquiries from my credit reports

Company response to consumer: Closed with explanation