BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have a complaint with the practices of Bank of America Home Loan Department. 
I applied for a home equity line of credit and was approved on XXXX XXXX. My home is sitting on XXXX acres of property. I have XXXX other building structures on the property. At the time of application, there was no requirement from the bank to have flood insurance on my property. After submitting all the requirements, they approved my application. Then I received a letter from the bank dated XXXX XXXX, requiring me to purchase flood insurance for my home. I have called the bank several times to resolve the issue but to no avail. I called XXXX regarding the change in the zoning of my property. XXXX informed me that the changed happened in XXXX XXXX. 
Now my property is considered in a flood zone. My question was why was I not required by the bank then to have flood insurance on my property. Did they not do enough research on my property? I have tried many calls to the bank to resolve this issue but to no avail. I could not cancel the contract until three years or else pay {$1200.00}. So I just bought flood insurance to resolve the issue. 

Then a letter from the bank dated XXXX XXXX stated that I have to buy flood insurance for XXXX other structures on the property. Now my issue with them is why now. These structures all existed prior to the initial application of the loan. 
I just feel that whoever made the first assessment did not do their job properly. 
During XXXX of my conversations with customer service, they said that it is not required to insure a building if there is no bathroom or kitchen. I explained to them that XXXX is constructed as a pole barn without bathroom or kitchen. I suggested that they should send someone to reassess the property. I felt that they were just basing their assessment via satellite pictures. 

On XXXX XXXX, I received a bill from Bank of America for {$490.00} for flood insurance for the barn and another structure. 

Hence I am writing this complaint. First, I felt that I should have been allowed to cancel my contract without penalty during the initial application. Or allow me to cancel it now without any penalty. Next, charging me for insurance on a building that does not need XXXX is uncalled for. And if I do n't pay the bill while I wait for a resolution, I will be charged interest daily. 

I hope writing me this letter will give me some resolution. 
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
Consumer complaint received 2022-06-02
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:
Transunion has a bankruptcy account that is being reported on my consumer report I have spoken with a clerk from the bankruptcy court in person and she confirmed that the bankruptcy courts do not provide information to any consumer reporting agency ( Letter Attached ). This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Transunion any written instructions to do so. Transunion has also failed to exercise its grave responsibility to respect my right to privacy for their profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and above-par medical treatment as a living human being. Transunion will be held civilly liable for willful and negligent noncompliance for any failure to comply with the below deletion demand. 

In accordance with the Fair Credit Reporting act 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 XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an 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 2015-12-07
Company: Aargon Agency, Inc.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had requested an official verification of debt under the FDCPA and Hawaii FDCPA from a collection agency, named Argon Agency located XXXX, XXXX Hawaii. The legal definition of " verification '' means to affirm by oath or affidavit. Unfortunately, the alleged debt collector failed to do this even though I had requested it in writing several times. 

They have consistently defamed me to the consumer reporting agencies fraudulently without verification or acknowledge my dispute as a disputed debt, blatantly misrepresenting the debt. 

These acts have caused great injury and irreparable damages in blocking me from credit worthiness that has negatively affected my housing and financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-12-29
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, purchase for XXXX XXXX XXXX XXXX XXXX XXXX, totaling XXXX.after order cancelled, seller XXXX XXXX  many weeks later, coins were fake.second dispute order for XXXX XXXX totaling XXXX on XX/XX/2020, coins were also fake.sudmited claim to credit card company.send pictures with coins weight.after refuse claim.they insisted on get paid.I even call XXXX FBI office and report fake usa coins.sellers return shipping address were also invalid.they have ruin my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/2016 I finally closed on a loan via Amerisave. It was an incredibly difficult process. Many times Amerisave made promises not just verbally but in writing to both myself and my realtor that just were not true. For various reasons my closing was delayed about 4 times. At XXXX point, they denied my loan right before closing. Then admitted mistakes. The subsequent loan closing delays also due to the Closing Attorney that was understaffed and delegating most of the work to inexperienced paralegals. 
About XXXX weeks after my closing I was notified that my loan was being turned over to a different servicer " XXXX ''. I had some questions about 2 months ago about PMI removal and XXXX informed me this is not possible with FHA loans. I was surprised. They told me it was in my initial loan disclosures. When I asked them to point it out to me they could not find it, nor could I. They stated they would research it and send me the documents. Today after more than a month from my request, I received the documents. It is very obvious that they were " doctored '' and my signature " forged ''. The date noted on the paperwork ( was not my handwriting and dated XX/XX/2016 ) The figures and interest rate amounts were old/outdated and the first page even indicated that the paperwork was prepared in XX/XX/2016. I strongly recommend using your own attorney for closings. Not Amerisave 's although theirs is cheaper and also not using XXXX recommended by your realtor. Be cautious of using Amerisave. They will also not give you the {$1000.00} at closing if your loan does not close in 30 days as promised on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX loans that were technically illegally given at the time i started school but the school somehow managed to push the loan the following year so it would look accurate. XXXX/Navient is reporting a 90 day late and with the payment history i have requested, my loans have always either been deferred or in a current status. This status is showing reported back in XX/XX/2012 on all XXXX Bureaus and they wont update the status nor will the credit Bureaus updated it with proof that there is no 90 day late. Please help me with getting this updated to having this negative remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: AMERISAVE MORTGAGE CORPORATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX My husband and I applied for a loan through Amerisave Mortgage Corporation and received a pre-qualification letter. 
XXXX XXXX XXXX We made an offer on a property in XXXX NH XXXX XXXX XXXX The purchase and sale agreement was signed by both parties. 
XXXX XXXX XXXX I brought the {$20000.00} deposit check, to be held in Escrow, to the seller 's real estate agent. 
XXXX XXXX XXXX The home inspections were complete on XXXX XXXX 2016, my husband and I were told by the bank that they had all the documents they needed. 
XXXX XXXX XXXX test results received. 
XXXX XXXX XXXX Received the appraisal report, however, since the appraiser did not complete both lots on the property and was required to complete both. ( Which was finally complete on XXXX XXXX, 2016 ). Amerisave continued to communicate stating all they were waiting on to close was the completed XXXX appraisal, and the fire chiefs signature for safety of the wood stove. 
-- -- -With this information we pushed past the original closing date of XXXX XXXX, XXXX -- -- - On XXXX XXXX, 2016 XXXX XXXX from Amerisave told us that they could not approve the loan due to our debt to income ratio being too high. My husband and I own XXXX properties in NC ( both have tenants ) We had moved all of our personal belongings ( which are still in storage ) We are now stuck without a home, and are staying with friends. 
The sellers had moved out and sold most of their furniture, our storage POD at the property had to be moved so the sellers could put the house back on the market. The sellers have hired a lawyer to keep our {$20000.00} deposit. 
Now due to Amerisave 's incompetence my husband and I are going to lose our {$20000.00} deposit, the {$890.00} spent on home inspections, the extra {$1000.00} to move our storage POD back off the property so the sellers could put it back on the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold checking account with a promotion offer that earns XXXX XXXX XXXX miles after completing a set of requirements within 3 months. After a month of opening the account and meeting the requirements, I sent a secure message to confirm that I met the requirements and a representative confirmed that I met the requirements and that my account is eligible. After waiting 90 days after statement close of the statement where I met the requirements, I inquired again to ask that the miles be credited since I met the terms of the offer. I got a response back saying that an investigation would be opened to determine if I was targeted for the offer, and that if I was, the miles would be credited after another month. Two weeks later, I replied to ask that an investigation be reopened since I never heard back. Now it has been over 10 days, again with no promised response. Citibank should honor the terms of the bonus and stop trying to mislead people and collect more account fees.

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 2016-12-29
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Citi Mortgage numerous times a year concerning my account concerning concerning the late fees and delinquency expenses on my account. I was told that that it would be corrected however there is never a record of the agents. I am trying to pay off my mortgage and they have tagged {$3100.00} of charges that they have no documentation that I owe they sent me a fee/description that states interest on ESCT ADV SHORT TOTAL {$1.00} DELINQUENCY EXPENSES INSPECTIONS and XXXX XXXX XXXX XXXX that they can not provided details, times, whom conducted it so they so they XXXX XXXX by, and also stated they did n't have to tell me that they conducted it but yet at the end of my mortgage they take it upon themselves to charge me. 
I gotten responses back concerning nothing that I wrote requesting valid proof t and they can not provide. 
How can you be charged for a drive by with no contact notification nor proof. 
My contract says late fee 's XXXX cent per dollar for years I was charged he same aam amount. 
Citi Mortgage Company should not be allowed to put charges on without proof. 
I am requesting that these charges be removed and I be allowed to pay off this mo mortgage with the correct amount due. {$3100.00} is the amount that should be rem removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: GA
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 sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/15 I signed a contract with XXXX to rent a car through XXXX/XXXX/15. Due to XXXX bad service and after my complaint, their manager XXXX XXXX agreed to charge me for a total amount of {$120.00} as a good will gesture ( see contract and XXXX business card attached ). I paid for the transaction using my Bank of America VISA card. On XXXX/XXXX/15 I returned the car to XXXX in accordance of the contract. On XXXX/XXXX/15 I was surprised to find out Bank of America VISA showed a charge of {$150.00} from XXXX and so I disputed it. In response to my dispute Bank of America issued me a temporary credit of {$31.00} representing the difference between {$150.00} and {$120.00} on XXXX/XXXX/15. Subsequently on XXXX/XXXX/15 Bank of America informed me that XXXX initiated a claim for {$31.00} and asked me to provide evidence to support my dispute. Next day on XXXX/XXXX/15 I provided Bank of America Credit Card Claims department attachment copies of my contract with XXXX as well as my email to XXXX manager XXXX ( see attachment ). In response to the attachments I sent, I received an email on XXXX/XXXX/15 from XXXX XXXX, Resolution Specialist, Bank of America , XXXX Customer Care Resolution stating quote " I am your dedicated point of contact until this matter is resolved. '' unquote. However on XXXX/XXXX/15 Bank of America rebilled my account for {$31.00} citing quote " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount '' unquote. From XXXX/XXXX/15 up to yesterday I sent a number of emails to Bank of America asking them to explain to me what happened to the attachments I sent them to support my dispute and they kept on saying I can call their XXXX ( toll free ) or XXXX ( collect call ) numbers for help. I told them I am not in the US now and I do n't have a land line to make collect calls either. I suggested they call me instead but they refused. The copy of my XXXX receipt, which was signed by me and their manager XXXX, clearly shows that the total amount agreed upon is {$120.00}. I am getting no where with Bank of America and so I decided to file this complaint with you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX, I opened a Citigold checking account with an offer / promotion stating I would receive XXXX Thank You points within 90 days after I complete the necessary criteria / requirements. On XXXX/XXXX/XXXX, I communicated via chat with a Citi Rep. named XXXX, who did confirm the validity of the promotion & eligibility of my account whereby I recalled that I had received from Citi. I further asked XXXX for a confirmation before I would fund the account, and he did assure me. Then, on XXXX/XXXX/XXXX, I communicated by phone with another Citi Rep. named XXXX who also confirmed that the validity of the promotion & eligibility of the account, and stated I had completed all the criteria required by Citi. Earlier this month of XXXX XXXX, after confirming the validity of offer/ promotion to my account, confirming the eligibility for the bonus to the account, and affirming that my account had met the requirements, Citi has more than once refused to honor the offer asking that I would provide proof or a postcard by mail. Regretfully, I do n't keep mail around for XXXX months, esp. having already confirmed with more than 1 Citi Rep. that my account is qualified & eligible for the offer & bonus and no one from Citi specifically asked for it then of 5-6 months ago, or nothing was ever stated then about a need to keep it. 
I 'm not alone ; it appears that hundreds of Citi customers are in the same situation as me from various internet sites & forums. I certainly feel deceived and that much of my valuable time / effort have been taken. I did hold up my end of the bargain, but Citi did n't or has n't. Therefore again, I respectfully ask Citi to make it right by honoring the written & verbal promises that will award the bonus points to my account ; otherwise, I sincerely request that CFPB will further assist my claim. My sincere thanks to all.

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 2022-06-02
Company: EQUIFAX, INC.
State: SC
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 ; XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX Dept.Of Education/XXXX  Acct # XXXX Dept.Of Education/XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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/2022, my mail began to be forwarded to a fraudulent person/address. One item of mail that was forwarded was an unsolicited credit card application for a Bank of America credit card. After realizing this was a fraudulent forward request, the USPS stopped the forwarding. A new credit card from Bank of America showed up at our house. This account was opened using the fraudlently forwarded credit card application. When I called Bank of America to alert them to the fraudulently opened card, they assured me that the card would not be activated and would not show up on my credit report since we caught the issue before the card was activated. Unfortunately, this was an absolute and utter lie as the card was opened and activated after that phone call. I have reached out to XXXX and XXXX to have this card removed from my credit report and they refuse to take it off because Bank of America says that it is a valid account. I currently have a report in to the sheriff 's department of XXXX XXXX regarding this mail fraud. 

I have attached the receipt that shows I submitted a police report. They have not yet assigned someone to the case. 

I also have a confirmation number from Bank of America from when I reported this fraud and they told me the account was never opened. Case # 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 2017-02-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans. I 've been making payments on the loan for over 10 years with no change in principal balance.

Company response to consumer: Closed with explanation