BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I am concerned that Bank of America is not treating all of its customers equally. I chatted with a supervisor named XXXX on XXXX/XXXX/2016 employee id XXXX. I asked if I could get the late fee waived as a courtesy, I realized I accidentally made two payments within one billing cycle, after I realized the error I promptly made the payment. I chatted with BOA to explain the situation and asked that it be waived as a courtesy. XXXX stated it could not be waived as a courtesy due to my terms and conditions. I reviewed my terms and conditions while still in the chat and advised there was no mention of the fee being nonrefundable. He finally reviewed the terms and stated well it does n't have to say nonrefundable, I am not waiving it. I then asked if this is the policy for every customer and he stated it could be waived if I had a major life event. What is a major life event? Who decides if what is currently going on in my life is huge enough to qualify as a major life event? He stated it was maybe a newborn or a life event that caused me not to make the payment on time. I facetiously told him that I had a baby. He said congratulations call the customer service line explain it to them ad see if they will waive it. That brings up another issue, should n't all representatives of BOA give the same information? If this rep is willing to do nothing for me and waive a fee for someone else, how do I know that it is not based on discrimination. If he is so adamant that a fee can not be waived, why is he encouraging me to call and ask that it be waived. I also got the impression from him that BOA would just make up rules as we went along. I even asked several times are you stating that BOA does not do courtesy waivers, he just kept saying per your terms. If there is nothing in the terms I received when i received the credit card, stating courtesy waivers are not allowed and other people have received courtesy waivers, what makes my account so different?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I pay my mortgage payments with Bank of America ( BoA ) on the XXXX of the month online. ( It takes up to 7 days for it to clear the bank which by the way it is from a BoA checking account ) Unfortunatelly starting on the XXXX of the month, the XXXX harassing phone calls a day will start wanting to know why I have not paid the mortgage. This never ends until the payment has cleared. Is this really necessary? Do they not look into the BoA account and see that there is a confirmation on file with a payment scheduled for clearing before starting the calls? Now the kicker of the most troubling part is that they have now started to call my dad who is my emergency contact asking him to contact me to make payments that technically has already been made. Not only is this annoying, but also disrespectful because I have been a loyal client of the bank for over 20 years. If it was not because I have multiple accounts with them, I would close all my accounts and stick with my credit union.

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 2015-08-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have several accounts that are not mine reporting on my credit bureau I have filed a recent police report with all of the accounts on them and a notarized id theft affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, my husband of 20 years and I divorced. He quit his job immediately prior to the divorce proceeding to ensure that I would not be awarded Child Support for our XXXX children. I was then actually required to pay him child support as I was the primary income earner. At any rate, this spawned a chain reaction of debt pile-up, including our mortgage with JPM Chase. I applied for a modification with them in late XXXX and were going through the process and I was following all of their " rules '' and " hurdles ''. Sending requested documentation 4 and 5 times. We were coming into what the Chase Loss Mitigation team called " the home stretch '' when we received a knock on the door one Saturday morning by a realtor claiming our home was sold at Auction the day prior and we had 30 days to move. I was devistated. I had worked so hard to buy my home and it was literally being taken away from me even as I was trying to do the right thing for myself and my children. I was forced to file bankruptcy in XXXX and included the foreclosure in that BK. I was forced to rent a home in XXXX that was far too expensive for me to afford due to the limited time I had to procure a home for a family of XXXX. In XXXX, I was hospitalized and almost died from XXXX. I was off work for over 6 months. I was released to return to work full time XXXX. I was then displaced with XXXX other XXXX employees on XXXX. I liquidated my XXXX to pay for my rent until the end of XXXX. On XXXX, I was evicted from my rental home due to not being able to pay rent - as no job had been secured. This was the first time I had not had a job since I was XXXX years old. For the first time in my life, I was officially homeless. With all XXXX children in tow. In XXXX, XXXX rehired me in their XXXX as an XXXX where I have remained employed since. Unfortunately, the entire course of events was triggered by Chase 's inability for their loss mitigation department to talk to their foreclosure department to advise that we were mid-modification. I know of several other families who have had similar situations with Chase. I believe their modification process was all just a tactical move on their part to reclaim properties from unsuspecting modification clients - similar to the bait and switch. Deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was preapproved for a loan from Wells Fargo and went under contract to purchase a home. 
Wells sent went on to send me my mortgage estimates, conducted the home appraisal and lead me to believe the loan was being approved by underwriting up until 8 days before the close. I have all documentation of correspondence and am considering legal action as well for financial stress on me, my family and the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have not apply for this home equity and have not authorized the credit check. They did anyway without my authorization. 
I 'm very upset that this happening.

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 2015-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank america wrongly foreclosure my home XXXX XXXX, denied my making home affordable loan program, lost mitigation Va loan, knowing my home was going to sale and I needed urgent immediate help to stop sale. Bank of america used communication tactic, harassment, lied and denied about application and the paper work, also claimed loan specialist whom I was communicating with does n't exist, then called me and told me my home was to be sold XXXX XXXX XXXX yelled at me saying that i need to get my own lawyer and sold my home XXXX XXXX XXXX .Destroyed another XXXX XXXX and XXXX over 8 years .I am retired soldier fought for my country over 20 years and still working XXXX spending my own time and money XXXX XXXX i need help now.Bank of America DESTROYED my credit took my 20 years home memories and dreams now I am homeless Veteran.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I HAVE A CAPITAL ONE CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON CAPITAL ONE CREDIT CARD BILLING SITE. THE ONE I MADE ON CAPITAL ONE SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. CAPITAL ONE REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Notice of representation was sent to Bank of America on XXXX. A letter confirming receipt of authorization along with our request of a verification of mortgage and transaction history were received as requested along with the Notice of representation. After speaking to several representatives in regards to the loan modification our office is no longer authorized to speak on behalf of the borrower. This is a stall tactic practice by Bank of America and it 's representatives. On XXXX XXXX and XXXX XXXX Customer Relationship Manager 's state our office is not authorized. This is a violation of the borrower 's rights to legal representation.

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 2022-10-31
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like this account deleted from my file ASAP : 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: FC HoldCo LLC
State: NC
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 recently checked my credit report and saw that a company called " FLAGSHIP CRE '' ran my credit. I did not authorize this inquiry. This inquiry has caused my XXXX XXXX to decrease and I fear that my identity XXXX have been stolen.

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 2015-03-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My son defaulted on his XXXX. I am not exactly sure how many payments he missed. I called Chase, trying to make this right, however they are NOT willing to work with us. Our only options were to either give them {$11000.00} as a lump sum before the end of XXXX OR we can make payments for XXXX months on the total owed which is approximately {$18000.00}. 
I spoke with XXXX different XXXX there. The XXXX XXXX I spoke to said we had to pay {$400.00} a month ( which I thought was going to be until loan was paid off ) when I called back for more information, I was told we could only make payments for XXXX months. We are unable to pay either {$11000.00} now OR {$18000.00} in the next XXXX months. 
My son is in XXXX and is not working, and we do not have the money to pay it off for him. 
I understand now that a XXXX was NOT a good plan. They refuse to rehabilitate the loan and also refuse payments until this loan is paid off. 
On more than XXXX occasion both XXXX mentioned it was on his credit report and until we paid in full, it would stay. 
Their unwillingness to work with us in order to get this taken care of is just not understandable. I know XXXX other lenders will rehab the loan after XXXX payments have been made in time. Why are they not willing to do this and get full amount of loan back?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We received XXXX insurance settlement checks in XXXX this year for a claim from storm damage. XXXX check issued for {$10000.00} to XXXX XXXX and Bank of America as payment towards the estimated loss of {$24000.00} for water damage to our basement. A XXXX check was jointly issued to XXXX XXXX and Bank of America for XXXX for the storm roof damage. After several attempts to work with the bank, they are refusing to release the funds unless we have a general contractor fill out a XXXX and received payment for both checks. Bank of America wants to issue XXXX check to XXXX XXXX and a general contractor for {$18000.00}. 
Since the insurance settlement payment was much less than the total loss, we did most of the contracting ourselves and hired individual contractors to do the work. 
The problem being that no one wants to be on the XXXX check as they will be charged taxes on the entire amount even though they are only completing a small portion of the work. 
At this point we are at an impasse with the bank and now the bank is encouraging us to get a construction loan and to forgo the insurance settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I did multi factor authentication and proviced the correct recipient 's phone number and Venmo still sent the wrong person my money. 
nobody at venmo has been helpful. 

I had to hunt down the person that has my money. She confirmed it was her account and then blocked me from calling her. 
Her name is XXXX XXXX and she lives in XXXX Ohio phone number XXXX If she has spend this money, i need to press charges as this is illegal. It is illegal for her to knowingly spend my money in her account as it was a venmo mishap. 

The process to request money back is tricky and we accidentally sent the wrong person more money!!!! Venmo would not help. 

Last, I'm not sure Venmo looks for people that just leave their money sitting in venmo and abandon their account or if they just end up keeping the money when people dont do what I'm doing here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I defaulted on a Chase credit card due to our business going bankrupt after the real estate crash and our failed economy. I have been trying for years to settle the debt but Chase has written off my debt but refuses to remove the judgement from my credit report and a low credit score is keeping me from recovering financially from this loss. Chase holds my first and second mortgage and will not allow me to refinance. Why do the banks get bailed out, get to write off the bad debt, and still ding my credit report every month and will not do anything to remove this judgement form my credit report. Where are my rights here? I want to settle but I can ; t but no one keeps them from still hurting me as a consumer. This is 6 years old now. The Chase Judgement is for {$9800.00}, case # XXXX filed XXXX XXXX, 2010. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had XXXX phone calls from Paragon Revenue XXXX for a lady named XXXX. I have told them I have no clue who she is and told them to delete my number. I have been hung up on three times. They would not allow me to talk to a manager. I understand that this is a high stress job but am disgusted that this company is being represented by very rude employees. I want them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on or about  XXXX   XXXX , I called in  to Citi Bank to  make an arrangement on my account. in  XXXX   XXXX , I contacte d Citibank  about fraud charges that were on my account from  XXXX . I was told they would address it and they did not. I left out of the country and left the card home. When I returned, there were additional charges to my account, more than {$2000.00}. I filed a second fraud claim. At that time I was also informed they never addressed the first set of fraud charges. Nonetheless I put in my claim. I submitted all documents request by the fraud department and left the country for a mission trip. While I was gone several request was  made by citibank  regarding the claim and because I did not receive it in time, they closed the claim and I was stuck with the bill. I lost my job and was unable to pay the bill On or around  XXXX   XXXX , I spoke with  XXXX  @  XXXX  about settling my account. She told me that I qualified for a program that I would need to pay  XXXX  per month for 5 months. This would bring my account current and the account would not close while on the program. A contract was sent to me with these terms on  XXXX / XXXX / XXXX .   On  XXXX / XXXX / XXXX  I spoke with an agent to see how the program would work if I paid the 5 month payment plan in advance. At that time I was advised my account was closed. She apologized but said my account was closed at the time I was placed on the program. When I initially called in the automated system did not advise me that my account was closed. It does now. How could this happen if the account specifically setup to avoid closing the account and getting the card holders account back on track?   This ambiguous agreement has affected my credit tremendously. Not only did they not handle the fraudulent claim but now they are not honoring the program terms that were outlined to me when I signed up.

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