BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Bank of American acct XXXX I have resigned the paperwork for settlement and the deed three previous times, since XX/XX/XXXX. In XX/XX/XXXX I received a phone call saying that the paperwork was incorrect and they would give me {$350.00} for my trouble if I would just resign. I told them I would, but I want the old copies back that I have previously signed. I wrote to your agency and immediately received a call from the presidents office at BOA. they said that they were sorry and they would have the paperwork and the old paperwork that I signed sent to the BOA office in XXXX Pa. they would call me when it arrived and I agreed to go up and resign. Since XX/XX/XXXX, no other contact was ever forthcoming. I assume that they had gotten the county to accept the paperwork. 
Today I received a call from the management company who oversees this property and it seem that XXXX XXXX XXXX had been retained by BOA and had sent a XXXX package to my XXXX home, even though the paperwork in inside clearly shown my mailing address as XXXX XXXX, XXXX, Pa XXXX it was just found on Monday XXXX/XXXX/XXXX and the management company sent it to my home address. 
I called XXXX XXXX, at XXXX XXXX XXXX. and told her the story and she said that she would let BOA know. I also advised her that I had contacted XXXX county recorder of deeds and they advised me that the reason it was never filed was that they require a FONT of 10 or higher and the BOA paperwork was 9. Looking at the paperwork from XXXX XXXX XXXX. I would guess the font is a 7 or 8. I asked her for a copy of the letter that she would be sending BOA. HOPEFULLY I will receive it Clearly BOA and it representatives do not know what they are doing and I do n't wish to be harassed any more because of their incompetence. They can contact me when the paperwork arrives at XXXX ( both the XXXX incorrect copies, and the new copy in the correct font so that XXXX county will accept it. FYI, my mortgage payment was paid to day and paid ahead.

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-09-18
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2020-03-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. XXXX XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 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 2022-09-18
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I Bank with Bank of America. When I am having a check direct deposit into my account, it does not tell me the amount I am receiving from my employer. It says employers name and amount of XXXX cent until it clears. my check was deposit in on Friday morning. here it is Monday and the check still has n't been cleared and I still cant see my amount that was direct deposit in. My other bank tells me the amount shown as soon as a check is direct deposit in. why cant ban of America have this feature as well?

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 2016-05-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received an email from a company called Ace Cash Group threatening legal action against me and requesting I pay them {$620.00}. The body of the email is below. I do not have any dealings with a company by this name and based on a web search I believe this is a fraudulent attempt to collect money. basically, it is a scam. 

CASE FILE # : XXXX Attorney : XXXX XXXX Number : ( XXXX ) XXXX DUE AMOUNT- {$620.00} Dear XXXX XXXX, This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your S.S.N is put on hold by the US Federal Government, so before the case if filed we would like to notify you about this matter. 

It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your case with the Bureau of Defaulters. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. 
Now, FTC is pressing charges against you regarding XXXX serious allegations : 1. Violation of federal banking regulation act XXXX ( C ) 2. Collateral check fraud 3. Theft by deception ( ACT XXXX A ) If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We re-serve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a total outstanding amount committed to, by use of the internet. In addition we re-serve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 
WE CARRY ALL THE RIGHTS RE-SERVED TO INFORM TO FBI, FTC YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you are found guilty in the court house, then you have to breathe entire cost of this lawsuit which totals to {$13000.00}, excluding amount you borrow, attorney 's fee & the interest charges. You have the right to hire an attorney. If you do n't have or ca n't afford one then the court will appoint one for you. 

Attorney : XXXX XXXX ( XXXX ) XXXX Ace Cash Group Copyright ( C ) XXXX FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I've had issues in closing our mortgage refinance with XXXX. This has been an issue since XXXX and we've missed several closings due to incorrect or missing closing disclosures. 

We've constantly had the wrong loan amounts, different pre-paids that have been inaccurate, different escrow amounts which have been inaccurate, fees that aren't called out on some closing documents and then called out on others. 

Every time I've sent over the correct amounts of what I would expect to see and asked for explanation. I've sent over numerous closing statements from my current mortgage lender showing what the amounts should be to pay our loan off as we are just refinancing ( no cash out ) and we're bringing cash to close for everything else ( so not rolling into our mortgage ). I've yet to get any clear answer or an accurate closing disclosure. 

On our most recent closing disclosure our loan amount is still wrong, plus they have the wrong payoff amount. The solution they have provided to us is " well if you overpay, you'll get a refund from your current Mortgage provider and then can put that back into your new loan to bring it back to where it should be. '' Several issues with the above - first, that is just wrong to ask someone to take out more of a loan than they need/asked for - even if it gets refunded. That takes time to happen and during that time you're paying extra interest on a loan amount you didn't need in the first place. Further - if you didn't pay that extra back to your new mortgage you'd end up paying extra interest on something that was already paid off on your first loan. Second in this case, they are asking that not only do we take out a bigger loan than we need, but bring extra money to close to cover to difference in the wrong loan amount and the wrong payoff amount - that is an extra {$1500.00} that we are supposed to bring to close. Overall with that plus the wrong loan amount means that we are overpaying by {$3900.00} ( {$2300.00} from the difference of how much we actually owe on our current mortgage and how much they say our new loan is + the {$1500.00} that we would need to pay to cover the difference between the new wrong loan amount and the wrong payoff amount ). 

I'm at a loss for why this seems to be so hard to get correct and that we're being asked to do something that isn't right for the loan. Additionally - the newest closing disclosure has a new Title processing fee for {$120.00} that wasn't there on any of our previous closing documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To date, I have lodged fifty-five bona fide CFPB complaints involving Bank of America and the loss mitigation processes including, but not limited to, the foreclosure process. Bank of America has consistently refused to take these opportunities to deal with me in good faith and actually conduct though reviews of the records for the purposes of resolving the matters presented. 
Before a trustee 's deed has been recorded I may obtain injunctive relief for material violations of the California Homeowners Bill of Right 's ( CalHBOR ) pre-NOD outreach, dual tracking, SPOC, post-NOD outreach, application acknowledgement, late fees, servicing transfers, or document reliability provisions per California Civil Code XXXX ( XXXX ). 
After a trustee 's deed has been recorded I may obtain actual economic damages for material violations of the above provisions, if the violation was not remedied before the deed was recorded. Borrowers may obtain the greater of treble actual damages or $ XXXX in statutory damages, plus exemplary and punitive damages, for intentional, reckless, or willful violations per California Civil Code XXXX ( XXXX ) A rescission of an NOD or cancel a pending sale in accordance with California Civil Code XXXX ( XXXX ) is appropriate in this instance as the NOD has been recorded in error.

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 2021-03-11
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:
There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was called at work, and asked a representative of the company to remove my number because I can not be contacted at work and she just kept speaking over me and asking about payments, and refused to agree to remove the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
TransUnion has once again added more inquiries without my knowledge. I did not consent to, authorize nor benefit from either of the following inquiries in which many third party companies have made several inquiries. PLEASE REMOVE ALL HARD INQURIIES AND OTHER TYPE OF INQUIRIES ARE TO BE REMOVED. block and remove them. I've tried to speak to them over the phone as well as certified mail a letter with my credentials. Still nothing has been removed. Please remove all Hard inquiries from my credit report and fine TransUnion for appropriate violations.

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 2016-07-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I had an installment loan from Ace Cash Express for under {$700.00} on which I made several payments. I was unable to continue paying the payments and the loan defaulted. Yesterday at my work I received a call from someone claiming to be from my county clerks office needing to serve me papers because I am being sued. They asked if I had my 7 day notice with me. I said I had no idea what they were talking about and she suggested I contact the attorneys office and gave me the number XXXX and told me to refer to docket # XXXX. I called and was given to " XXXX XXXX '' at extension XXXX who had this horribly scary story of me being taken to court and need to have the amount of over {$1800.00} paid immediately or the judge could garnissh wages or put me in jail because since the auto drafted payments from my account in the beginning, the ones that did n't go through were considered to be like a bad check. 

The lady had me in such a XXXX I gave her every dime I had to my name off my prepaid debit card. The amount I paid was {$620.00} which is more than the original amount of the loan. She said they were going to contact my county clerk to put in a stop order. She told me that they were going to take another {$620.00} out in two days, XXXX XXXX, and the remaining balance of XXXX would be taken out on XXXX XXXX. I was told that if any of these payments did n't go through I would go to jail. Yesterday afternoon after regaining my composure and looking at the company that debited my card the red flags went up. It was not taken by an attorney 's office, but rather by XXXX XXXX XXXX. I then contacted my county clerks office who had no idea whatsoever what I was talking about and that no such paperwork, docket or case existed. I then went online and researched the name and phone number only to find they have gotten in hot water all across the country for doing this type of thing. Why are they allowed to continue this practice. I have had to report my card stolen and get a new card so they can not continue to charge my account. Upon figuring this out I called this lady back who was never available to take my call, but eventually had the lady who answered ask me if I had the rest of the money ready for her to get off my card. I told her to give her the message that I had gone to the county clerks office and found out this was all a lie, not to dare try charging another penny to my cards and that I would begin taking action against her. No one has called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX  send notification to XXXX, Transunion and XXXX  so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX  XXXX causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through 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 2020-03-09
Company: Experian Information Solutions Inc.
State: NC
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The 90 day reporting past due on my credit with Dept of EDXXXX XXXX XXXX of 2019 is incorrect.

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 2022-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with EQUIFAX about them reporting a bankruptcy on my credit report that does not belong to me. XXXX  list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation