BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
am filling a complaint against Bank of America , NA for the deceitful, dishonest, lies and corrupt, method which They unlawfully auctioned my property on XXXX XXXX, 2016 it was an illegal sale, It has gone back to their XXXX XXXX I found very serious violation in the process of transfer of my loan there was no Assignments, Substitution or Substitution of Trustee ever recorded in the County in which my property is located. it clearly states in the California Civil Codes Regulation proper recording of documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I have been a Bank of America customer since XXXX and never had an outstanding balance in my XXXX credit card. On XXXX XXXX, XXXX I took advantage of a promotion of a 0 % cash advance. I paid {$600.00} fee for a {$15000.00} cash advance payable in XXXX XXXX at 0 % interest. 
In my following statement on XXXX XXXX, XXXX I was charged {$44.00} for interest, even though I had paid in full for my purchases. 
When I called the bank, I was told that my payment was applied to the cash advance balance and not my purchases, thus the interest on my purchases .... This to me is clearly a scam or misleading promotion since I am being charged twice the interest. Bank was unwilling to solve my problem and suggested to stop making purchases with my credit card to avoid future interest charges.

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 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call evey XXXX minutes between XXXX and XXXX, even after I talk to representive. They even admitted that it was robo calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My husband and I have had a BoA account together for over 10 years. A few years ago I noticed an automatic debit from our account of {$150.00} that was not associated with any company and I feared a fraudulent transaction so I called the fraud line and the associate was as surprised as I was because there were no transactions details. She agreed to investigate. A day later we were informed that it was a BoA charge and they indicated that this charge was for a safety deposit box that my husband and his former spouse had together 20 years ago in another state. We were also informed that the debt would continue to accrue unless we flew back to XXXX ( we now live in XXXX ) and paid to have the box drilled to the tune of {$170.00} and emptied ( former spouse had both keys and had agreed verbally to empty and close the box which was not done ). 
BoA was unable to collect from his former spouse because she was now with another bank. Apparently during an audit BoA discovered that my husband now again held a BoA account so they debited our joint account - without any notice, identification or information re : the reason for the charge that was actually owned by my husband and his former spouse. After all even the bank technician was mystified by the debit and to investigate. All total we were changed {$320.00}. I can actually understand the drilling fee. But I can not understand the legality of charging our joint account-under the cloak of darkness- especially when this charge is ultimately shared by me, an innocent party. My question : was this legal? Was it proper? Is my husband jointly and severally liable for that prior debt and by default so am I because I share a new account with him at BoA? If so, can a bank just randomly charge our jointly held account for debt owed by my husband and his former spouse just because they have access to our account and can do so without notice at all? Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2019-05-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX   XXXX '' and " RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.

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 2016-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
experian has taken too long with their investigation for XXXX ending in XXXX XXXX ending in XXXX also late payment for XXXX mortgage for XXXX 2015 needs to be marked current for XXXX 2015

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 2021-12-27
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint falsified to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX that I did not qualify for a covid modification because my loan was more than 60 days past due on XX/XX/XXXX. 


I spoke to XXXX XXXX and the representative said that this means 2 payments. I was not more than two payments delinquent on XX/XX/XXXX. Yet, Shellpoint is playing games with my payment history and the confusion about 30 days translating into one payment. 

Background only on how we got here.-I successfully completed a trial modification that Shellpoint withdrew for unethical reasons because I paid the amount on their statements that differed with the offer letter. Then, Shellpoint falsified to XXXX XXXX that I did not make all three trial payments. Shellpoint was supposed to have sent me an approval letter on XX/XX/XXXX according to my single point of contact XXXX XXXX. But, he said his superiors, in which XXXX XXXX is his supervisor, overruled him and asked for another trial modification. Shellpoint claimed it was what XXXX XXXX approved, but XXXX XXXX said the decision as 99 % Shellpoints and XXXX XXXX had not been given the facts favorable to me. But, Shellpoint has mischaricterized what happened as though I failed to comply with the terms of the modification when in fact Shellpoint sent me different modification amounts on my official monthly statements, which I paid. I asked for clarification and Shellpoint refused to provide it. - End Background

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
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:
Hello, I was attending XXXX XXXX I enrolled XX/XX/2016 with an expected graduation date of XX/XX/2016, the school closed on XX/XX/2016 and was bought by XXXX University, Neither school is accredited like they previously stated, the credits are not transferable, they had students take out loans under false pretenses, I stopped attending and logging in when the school closed, they sent me an e-mail stating that i was terminated from the program for non participating then a few weeks later they sent an e-mail asking me to name their school on my student aide paperwork so they can continue receiving money. I have attached the e-mails they sent. I feel i should not be held liable for the total loan balance i took out seeing how the school lied about being accredited, the credits are not transferable and the school closed before program completion. XXXX has also been reporting false information to the department of education such as student status and attendance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: American Credit Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
I contacted AMERICAN CREDIT ACCEPTANCE four times prior to filing my complaint with CFPB in an attempt to resolve my concerns and have received a response via mail as of XX/XX/XXXX with them denying all allegations in my complaint. Due to this I am moving forward to file my complaint. 

It was brought to my attention that AMERICAN CREDIT ACCEPTANCE violated several of my constitutional rights and went against The Truth and Lending Act protacal. I pointed out a few violations specifically pertaining to 15 USC 1662 and 15 USC 1605. I purchased my vehicle XX/XX/XXXX from XXXX using AMERICAN CREDIT ACCEPTANCE as my finance company and was told for them to finance the vehicle I was required to put down a {$1300.00} deposit and I would be required to pay monthly installments of {$430.00} after running my social security number and I extended my credit to their company. AMERICAN CREDIT ACCEPTANCE did not provide an option for including liability coverage within the finance charges at all. I was advised to look for my own coverage through a third party. I sent AMERICAN CREDIT ACCEPTANCE a written letter and email informing them of the violations according to 15 USC 1662 and 15 USC 1605 and asked for {$1000.00} per violation mentioned totaling {$3000.00}, payment for insurance premium charges for the full term of my 72 month finance agreement totaling {$14000.00}, refund of my {$1300.00} deposit, and I asked for my vehicle loan to be voided and the title of the vehicle to be mailed to me. AMERICAN CREDIT ACCEPTANCE has refused and is taking no accountability for their actions even with me detailing how they violated so I am reporting their faulty practices. It is completely unfair for companies like ACA to take advantage of people for their own benefit. I extended my credit and their company was able to sell my completed application for the total cost of my vehicle plus finance charges so they have been paid yet they want to be greedy and take even more money from me because they think they can and think no one will stop them. I hope this complaint will get me some resolution and cause them to change their future procedures. What I have requested of them in payment is minimal compared to the damages they have done to millions of Americans thus far. According to 12 CFR 226.2 law and 15 ISC 1637 AMERICAN CREDIT ACCEPTANCE owes me and I expect to receive full payment, for them to void my loan, and send me the title to my vehicle as requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortage was recently sold to a financial institution that I nothing about and I had no say in the matter as a consumer. My mortage was initially with Bank of America. My mortgage was with them for 10 years and in good standing. To my knowledge, I did not miss a payment in those 10 years. I have a checking, saving, money market, and credit card with Bank of America, so it came as a shocked that my mortgage was being sold to another financial institution without any choice in the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I am NEVER able to login to SYNCHRONY BANK because the EXTRA SECURITY TELEPHONE NUMBERS they show for SENDING A phone call or text message with a Pass Code, are NOT MY CORRECT NUMBERS. I am NEVER ABLE TO LOGIN. Opened CDs with my XXXX Savings and can not Login.

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 2021-12-27
Company: The Bureaus, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Bureaus is reporting that I owe a debt to the Credit Bureaus. I have reached out to the Bureaus on several occasions and continue to be lead down a rabbit hole with no live person to discuss and resolve my concerns. Upon calling the Bureaus there is no one that answering the phones and I have repeatedly called over several weeks. I finally emailed and received a response. In the email i was informed that " XXXX XXXX XXXX '' was handling my file on behalf of The Bureaus and was advised to call a number provided to me by the representative. 

After calling the number several times. I ran into the same situation as phoning the Bureaus, there is no live person to talk to, a machine continuously picks up messages are not returned. Also, after inputting the requested information according to the prompts, I received a message that there was no information that could be found at this time and to phone back at a later date. 

I have paid and settled all past accounts with XXXX XXXX and am requesting that The Bureaus immediately delete and cease reporting to the Credit Bureaus. There is no accountability from this agency to pick up the phones or return calls to discuss concerns. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to get from Bank of America a satisfaction of mortgage from a mortgage that was paid off in XX/XX/XXXX. I originally received a satisfaction from the FDIC back in XX/XX/XXXX, but it was never filed at my county clerks office, so it still shows outstanding. LaSalle National Bank was the last bank it was assigned to. As per XXXX XXXX in the FDIC, since XXXX was acquired by BOA it is their responsibility to do so. They have refused giving different answers every time I contacted them to do it.. XXXX XXXX asked to have someone call her to get an explanation, but they refuse. I was told by BOA that XXXX XXXX has to get me the satisfaction, but they are no longer in business. When i received a letter answering my complaint to BOA they wanted a payoff, which I was able to get from XXXX XXXX in the FDIC.. After that was sent in it still was not enough.They said it wasnt paid to BOA. Of course it was n't. I have attached all the paper work from XX/XX/XXXX to XX/XX/XXXX.. The best part of this is that I found about this while I refinanced my mortgage through BOA. The title co gave an exception, that is why the refinance went through. I do n't know where else to go to get this done before I pass on. I need this satisfaction so my children call sell the home after I pass on..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collector stated that he could not accept my payment of what i could afford {$50.00}. The collecter then proceeded to tell me if i can pay {$7000.00} it would be paid in full when i said i ca n't afford that he said can you get a cosigner for a bank loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe CONVERGENT OUTSOURCING in the amount of {$1000.00}. Requested debt validation, company has not responded.

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 2020-06-08
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: Information belongs to someone else

Complaint:
I applied for a house I am trying to rent today XX/XX/20 and when my credit report came back I was told that I did not qualify due to having several accounts reflecting badly on my credit. I had no idea what accounts it could be because I have never let any of my accounts or loans go negative. I looked through my report and I saw about six accounts that I never opened. Those accounts do not belong to me and I did not give anyone permission to open them in my name using my personal information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contact the company that representing this collection account I try to negotiate a offer to pay this account all at 50 % and they refuse they are saying that is showing for collections account and its only showing three collections account on my credit report this is affecting my credit and Ive been trying to get this taken care of for several years and theyre charging me a daily feed it only showing three collections account and theyre stating that is a total of seven its not seven showing on my credit report is only showing three I am trying to pay this accounts off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a checking and a savings account with the WELLS FARGO BANK on XX/XX/XXXX. I had a check from my attorney for the settlement of the accdent that XXXX my husband in XX/XX/XXXXThe amount was XXXX so I had to trust a bank. Not something l do So the manager gave me {$40000.00} cash and transferred the remaining {$140000.00} to  the XXXX branch.Friday before XXXX l withdrew {$1000.00} from checking for the dinner celebration. Then when I went to the bank on Monday to get money to pay bills the teller who was helping me said she did not know what happened to both

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 2021-12-27
Company: EQUIFAX, INC.
State: PA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation