BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
{$3000.00} worth of CD 's purchased at Bank of America in 2005. We have the certificates and the receipt showing the transaction. BOA now says they ca n't redeem them because they purge their records, and this money must have been sent as Abandoned Property to the state of Florida. Contacted the fltreasurehunt.org, both online and by phone. They have nothing under either our son 's name or mine ( custodian, as son was a minor ). Called the FDIC, who instructed me to contact you. NOTE : When he turned XXXX, XXXX legally changed his name to XXXX XXXX XXXX. We searched the florida abandoned property under both names, as well as mine.

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 2020-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I visited XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, on XXXX XXXX, 2020. I test drove two cars and was given a quote on one. The dealership had a copy of my driver 's license but I did not give them my SSN. I did not indicate that I wanted to buy or lease a car from them, though they asked me to do so. I did not fill out any paper work. I did not want at any time to buy or lease a car from the dealership and never said I would do so. 

On XX/XX/XXXX I got a notice from XXXX that on XXXX XXXX, 2020, XXXX XXXX of XXXX had run a credit report on me. I looked on the XXXX website and verified that XXXX XXXX had made a " new inquiry. '' I never gave them permission or gave them any information that would have permitted that. Their sales manager, when I called him on XX/XX/XXXX, denied they had done anything but copied my driver 's license and had not run my credit. But of course they had. I called XXXX XXXX, which claims their dealers are independent and I need to deal with the dealer. Absurd. response. i told them they have a dealer agreement which for sure requires their dealers to obey the law. and they should enforce it. 

I am filing this complaint that my credit was accessed without my authorization by XXXX XXXX in XXXX XXXX and that XXXX XXXX is responsible for the unlawful action of its dealer. Also at fault are my salesman and his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: ResidentCollect, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is a collection agency and they added an item to my credit illegally. By law they have to notify me of the debt and allow me 30 days to dispute it. I was never notified of this debt, nor given a chance to dispute it. This debt is not valid as I was living in an apartment unit that was not safe to live in and had to move. Shortly after I moved, the units floor collapsed and rendered the property condemned. Since this company failed to notify me of the debt in a timely manner and failed to allow me to dispute it, I can not rent with any other landlords. Them adding this to my credit illegally has affected my ability to get a place to live. The landlord was given proper notices and opportunities to fix the unit I lived in but failed to do so. I legally vacated the unit and there should have been no further charges or debts. If this company would have notified me of the debt, I would have showed all the proper evidence to justify my moving out, therefore it would have never appeared on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Direct Recovery Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
this company which has already received multiple harassment complaints XXXX XXXX has contacted my ex wife whom I have n't had communication with since 1990!!!!!!!!!!!! my ex brother in law frequently and daily whom I have n't seen in 9 years!!!!!!!!!!!!!!!!!! and leaving threatening messages regarding legal action!!!!!!!!!!!!!!!!!

Company response to consumer: Closed
Consumer complaint received 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with Bank of America since XXXX 2015 to sell my house. 
I am not able to pay for it. I have done everything they have asked of me. They have priced the home to high and rejected the only offer we received. I have had it sitting vacant since XXXX 2015. I have asked over and over to talk with people and help. They do not answer questions, and when someone calls they just say they are doing a check in and they cant assist me in that issue. I want to short sale or deed in Leui the home. But I am getting nothing but the run around. No help has been given.

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 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I worked for XXXX XXXX for 14 years ( XX/XX/XXXX-XX/XX/XXXX ). I used my Bank of American/XXXX XXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XX/XX/XXXX and for the previous 3 years, I was the XXXX of XXXX for XXXX. 
XX/XX/XXXX, the company was forced to close due to XXXX of the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made BY XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of approx $ XXXX plus fees I continued to pay my personal charges monthly until XX/XX/XXXX, when they did this and would not budge. 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years and I need help XXXX had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
In XXXX 2015, I applied to refinance my HELOC with my existing mortgage company, PNC. I was informed that even though my FICO score was XXXX, I needed to have " XXXX successful trades '' in order to refinance and receive the same product. I was told I had only XXXX trades. I asked repeatedly what specifically was meant by a " trade '' but was never given a real answer. I was told it was a government guideline/regulation and XXXX the bank could not get around. I was informed, after asking, if paying off XXXX more bill would make a difference and told that it should. I rescinded my application, paid off a bill and three months later -- in XXXX 2015, reapplied. My FICO score is now XXXX and I am still being told that I do not qualify for a HELOC but must settle for an interest plus principal-type product. During this second attempt, I was initially told I needed a XXXX FICO score and " XXXX trades. '' Both of which I obviously had back in XXXX and then again in XXXX. I was later told I did n't have " XXXX trade lines. '' I have repeatedly asked for a federal regulatory number or other identifying information to corroborate this guideline they are using to deny my application for a HELOC and I am consistently denied this information. Each time I speak with a different loan specialist, I am given different information. I have your organization and others for information but no one has ever heard of such criteria. At this point, I can only assume this jargon is particular to PNC and used to deny clients certain products in the hopes that they can be assuaged into the lending product XXXX that PNC is currently XXXX on its clients to meet their profit margin. Please please look closely into PNC 's lending practices in NJ. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I froze my The Work Number credit report with Equifax late last year due to fraud concerns and Equifax 's repeated history of poorly protecting PII. On XXXX the XXXX I login and see that my report is not frozen and has been provided to inquirers. I did not unfreeze my report. I was not notified the report had been unfrozen. 

Actions I took : Froze Consumer Credit Report over the phone Received letter that confirmed freeze was successful Actions Equifax XXXX took : Supposedly froze my report Sent letter with a pin confirming the freeze Unfroze my report at some point without permission or notification ( or maybe never froze it in the first place ) Provided XXXX Consumer report to inquirer while supposedly the report was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are involved in an active state mediation program with Bank of America. The attached statement from Bank of America indicates that the loan is in the foreclosure process on page XXXX and XXXX. On page XXXX indicates that Bank of America , N.A . has made the first notice or filing required by law for foreclosure. This is a dual tracking violation to be threatening foreclosure while we are in active mediation. 
Please cross reference with previous complaint case against Bank of America, 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 explanation
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I signed up for a 2nd mortgage -- a 2nd Balloon Mortgage- without really understanding it completely. That was my fault. I was laid off ( this was years ago ) I was unable to pay my 1st mortgage or my 2nd. Eventually I got a loan modification on my first all the while requesting that we address the 2nd at the same time. I was repeatedly told -- not not now..later. Later never came. After multiple attempts to work with BOFA to start paying on the 2nd loan I gave up. Now, I am trying again. And they are working with me to an extent but still vert shifty and vague. All i want it to renegotiate my loan -- start paying on the PRINCIPLE- and pay off the loan. I am gainfully employed now and can do it. I have JUST started to talk with an account officer at BOFA and will be going through the process next week. I am filling out paper work now. I know there is no guarantee that this will result in anything different than what I have now. I need advice and help. Thanks! XXXX ps. this is NOT thug loan -- I am {$14000.00} late on payments and the original loan is worth {$25.00}, XXXX. Can you help me or direct me to some one who can? 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 2016-03-25
Company: Navient Solutions, LLC.
State: CA
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 have a student loan that I was making payments on. Due to life complications I stopped payment. I did not receive warning that it was going into default or I would have responded and payed proper attention to the situation. They began to repeatedly call my XXXX friends whom I had used as references, which immediately got my attention ( as opposed to sending me a single email - which I never received ). I signed in to resume payment to see that I was in default. After initial consolidation the amount owed was XXXX. They raised it to {$11000.00} - after selling to themselves at pioneer credit ( their own subsidiary debt collection agency ). Pioneer immediately proceeded to raise it again to {$13000.00}. Upon completing rehab I will be charged up to XXXX % more again. This will more then double the loan amount. This feels like its excessive to me. Do I have options here or do I just have to accept their terms? Thank you for your help in understanding this matter and my options.

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 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
a bank that has never had a loan with with me has foreclosed on me and sold my home when they had no standing or subject matter jurisdiction to do so. the assisgnment was from bank of America to bank America using robo signers in californnia while I am in XXXX. There was a correction of deed which was not signed by me not having any authority to do so, doing illegal conversion to do so. There was court testimony by a bank employees who had no first hand knowledge with a affi\adivit of note ownership both which were heresay. the bank was requested over and over to supply a proof of claim which they did not show any transfer, chain of title, or any evidence that they were a holder in due course with any standing in anyway. countrywide securitized my note on XXXX XXXX, XXXX to XXXX countrywide series trust XXXX XXXX. They have stated in court evidencary affadivit by XXXX XXXX XXXX that they had it on that date and still have it to this day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Trying for two years for modification. Turn down four times first time not enough money, sec time to much money, third time not XXXX days late, the last not enough money and I got XXXX days late. They took 4 months to tell me this, and I gave all doc. They ask for. I want to keep my house. I had XXXX hardships a XXXX XXXX and loss half of my income. They just play a game with u and string u along.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ON OR BEFORE XXXX XXXX I RECIEVED A COLLECTION CALL FROM BANK OF AMERICA REGUARDING MY MORTGAGE PAYMENT THE LADY I SPOKE WITH TOLD ME I HAD XXXX IN MY ESCROW ACCOUNT AND IF I PAID XXXX THAT WOULD MAKE 1 MORTGAGE PAYMENT SO I GAVE HER MY ACCOUNT INFORMATION SO XXXX COULD BE DEBITED FROM MY ACCOUNT ON XXXX XXXX AND SHE GAVE ME A CONFIRMATION XXXX AND ON XXXX XXXX THEY DEBITED XXXX OUT OF MY ACCOUNT ON XXXX XXXX CALLED THEM BUT THEY COULD NOT GIVE ANY EXPLAINATION AS TO WHY THEY KNEW I WHAT THE AGREEMENT WAS WITH THE CONFIRMATION NUMBER THEY GAVE ME AND KEPT PUTTING ME ON HOLD AND EACH TIME THEY WOULD TRANSFER ME TO DIFFRENT LIKE NO ONE KNEW WHAT TO SAY ABOUT IT AND THE PEOPLE I SPOKE WITH KEPT SAYING THEY WOULD PUT IN A REQUEST FOR A REFUND AND ON WENSDAY XXXX XXXX XXXX I CALLED BACK TO CHECK ON MY REFUND THEY TOLD ME SINCE I WAS BEHIND ON MY MORTGAGE THEY WOULD JUST KEEP IT AND APPLY IT TO MY MORTGAGE HOW CAN YOU JUST TAKE MONEY FROM SOMEONES ACCOUNT ILLEGALLY AND NOT RETURN IT IF I DID SOMETHING LIKE THAT I WOULD BE ARRESTED FOR THEFT AND WHATS WORSE THEY DIDNT WANT TO ADMIT THEY STOLE MONEY THAT WASNT RIGHTFULLY THEIRS TO BEGIN WITH SOMETHING NEEDS TO BE DONE ABOUT THIS

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 2017-02-28
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX XXXX, 2011 my ex and I divorced. The decree became final on XXXX XXXX, 2011. It stated the she would retain the residence that was financed by XXXX, {$330000.00} which was in foreclosure status. She then obtained financing - and a loan modification by XXXX. She paid the late fees, interest etc. Page XXXX item # XXXX specifically released me from any further liability on the referenced promissory note. I executed the quit claim deed for the property on XX/XX/XXXX2011. 
Equifax continues to show the mortgage as active and overdue. It can not be active in my name, it needs to be removed from my history as active or owed on currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to the Bank of America on XXXX/XXXX/2017 to deposit my refund check into my personal checking and was informed that the check would be placed on hold for different dates, first date given was XXXX/XXXX/2017 and released at XXXX, the other date was for XXXX/XXXX/2017 at XXXX. And I was certain to have the fund for {$200.00} released on XXXX/XXXX/2017. I saw the funds for the {$200.00} today and then it was returned to the bank. They instructed this was certain to be released and no additional problems with the hold on the check. I had a choice to decide whether I would like to deposit the check or go somewhere else. But I was told the correct information then I would have went to another location or another place to cash my check. I did state it was important that I receive those funds by that date.

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 2015-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have an old credit card debt that turned into a judgment. I have been trying to get in touch with someone to get this resolved since XXXX 2015. My account is with XXXX and the only way to contact them is through fax. Finally, I talked with someone on XXXX/XXXX/15 and was offered a reduced rate settlement. I was supposed to get a letter from them, but still have not gotten it. I have even send copies of all faxes, confirmations, etc. to XXXX XXXX ( CEO ) via mail and e-mail to ask for assistance in getting this resolved so that I can purchase a home. No response from him either. After finally talking with the resolution department, they found out that the letter that they were supposed to send to me, was actually sent to an attorney that I do n't even know who it is. So they sent my personal information to someone without my knowledge that told them that they were representing me, who is not. After I finally talked back to resolution, they put in another request for this letter to be sent to my home address. It has now been three weeks and I am no closer to getting this resolved. I have never in my entire life had someone not wanting to take my money for a debt that I do owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief