BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
My husband passed away in XX/XX/XXXX. I just learned that there was a credit card in my name and he it closed in XX/XX/XXXX or XXXX. I never received any information that this card was past due, or that I owed anything on it. We lost our business, he was ill and passed away in XX/XX/XXXX. We were waiting for the VA to help out and he never received a XXXX. I had to sell my house at a huge loss after he passed away and manage to pay off the mortgage and other debt. Now I am trying to get a small mortgage and there is a XXXX write off on my credit report. I called them and they said they wrote it off and that I did n't owe on it. I did n't receive a XXXX but they soon sent me XXXX ( XXXX actually ) very promptly. I do n't understand why in four years I did n't know about this. I ca n't find any statements about this account and have been at the same address ( after I sold my home- my mother 's home ) and had the same phone number, so I feel there should have been some communication to me that I owed on this. Now I have to pay taxes on this, but with our business loss, not sure how much that will be. Now it will be on my credit report for 7 years. They have n't contacted me in 4 years, will I still owe this amount and can I get it resolved. It is showing up on my credit report that I am paying $ XXXX a month on this and I did n't even know about it. There is no way a lender will give me a loan and it really messes up my credit I have worked so hard in the past 4 years to resolve. He was a vet and some issues, but this is very hard for me to deal with and he is n't here to tell me what went on. They just wrote it off in XXXX according to my credit report, but I was talking to them in XXXX or XXXX about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XX/XX/XXXX it came to my attention that XXXX payments made on XX/XX/XXXX ( {$350.00} ) and XX/XX/XXXX ( {$350.00} ) had not posted to my Navient account. I submitted an online request for assistance. I received an email back saying they had not received the payments and to please send a copy of the bank statements. I immediately ( same day ) attached copies of the payments from my bank and emailed them back. I did not hear back from Navient. On XX/XX/XXXX I called Navient to follow up. They said they had no record of my email and asked me to fax the documents to them, which I did that same day, XX/XX/XXXX. After not hearing back again, I called on XX/XX/XXXX at XXXX and was told they received the fax but did n't not have any record of the payments. I asked to speak with a supervisor ( XXXX ). XXXX told me she would submit an inquiry to XXXX XXXX since they were probably lost in the transfer of my loan from XXXX XXXX to Navient and to check my account in XXXX weeks. After payments we still not posted, I called again on XX/XX/XXXX and asked to speak with a Supervisor ( XXXX at XXXX ). XXXX said the information I submitted was not sufficient and they need the Electronic Fund Transfer ( EFT ) numbers. I informed her my bank does not have access to EFT numbers but I had submitted copies of the payments that included the confirmation of payment numbers. I asked to speak with a supervisor and the call was disconnected by them ( I called from a land line ). Navient has never followed up with me, they did not send confirmation of receipt of my email or fax, nor did they ever reach out to me to let me know the status of my claim. They have never contacted me to help resolve the missing payments, even after hearing back from XXXX XXXX on XXXX XXXX. I am writing to ask for your help. I 'm not sure what else I can do. I have copies of my bank statements showing the payments, Payment detail receipts showing confirmation numbers and a log of my contact with Navient. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I filed a complaint with CFPB and the company responded however their response was not posted on your web site. I was told I would receive their response via US mail and I have not. 

My complaint number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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 are 15 accounts on my credit report that are not mine I have not opened or used these accounts

do not belong to me!!!! Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : This is not my account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : XXXX  XXXX  Account Number : XXXX  Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXXReason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America, after my previous complaint, once again discriminated against me by refusing to provide me with the information necessary to assist a client who was XXXX, but her BoA account was frozen and she was unable to purchase food. I informed the representative that I was an attorney representing a client. Once again, I was refused assistance via chat, and via email. I was attempting to find out how to submit a power of attorney from my client so that I could determine what was happening with her account, and assist her. I was told that I was " required '' to use a TTY. When I informed the representative that this would be a breach of attorney client privilege as a TTY would force me to disclose confidential client information and PII through a third party, I was told that this was the only accommodation they provided. When I requested chat, email, or fax addresses for their legal department, I was told that information was unavailable. I wasted many hours between chat, emails, and faxes, attempting to resolve the issue for my client who was in a desperate situation. The representative told me that BoA " does not accept '' powers of attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAINE & WEINER COMPANY, INC.
State: NM
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 began receiving collection notices from CAINE AND WIENER ( C & W ) via email around XX/XX/XXXX stating that I owed money to its client XXXX  ( auto insurance ) in the amount of {$400.00}. I contacted C & W directly to inform them that this account was not opened by me and that I had no knowledge of it at all. They suggested that i call XXXX directly to investigate furthed which i then did with no avail! I disputed the collection account SEVERAL times claiming ths same thing - That the account was not mine mor did i have any knowledge of the account, however all my dispute claims where said to have been investigated and found as accurate. This incorrect collection account has not only caused extensive damage to my credit report ( because it is very thin making a negative account very damaging ) but has also cost several hours of my time and has even prevented me from finding better housing opportunities for my family and I. If this company would ACTUALLY investigate these dispute claims they would know that this account IS NOT MINE because I havent owed a vehicle ( let alone needed insurance services ) since XXXX of XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2016-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America attempted to get updated information and, when they did not get it, they froze our account. First all the information, the information they wanted was updated " physical address '' information, where requests were made through email. My wife and I have been Bank of America customers since 1986. They should have phoned us if they were going to freeze our accounts. By freezing our accounts they 've knocked out check transactions that will have to be resubmitted and that will probably end up with additional charges from various creditors, not to mention jeopardizing our relation with those creditors. Secondly, my wife 's mother 's account is also with our accounts and also got frozen. Her mother 's account is with us for various reasons but is still her mother 's account. Her mother, who is in her XXXX, is currently with her sister on travel, helping her sister recover from a recent XXXX XXXX. My complaint is this ; YOU DO NOT DRACONIANLY STOP SOMEONES FUNDS BECAUSE YOU 'RE NOT GETTING INFORMATION YOU FEEL IS EXTREMELY IMPORTANT TO YOU AND JEOPARDIZE THEM FINANCIALLY OR WORSE, ESPECIALLY A CUSTOMER THAT HAS BEEN WITH YOU FOR 30 YEARS!

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 2021-03-19
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I have been waiting for 180 days, which have now passed and l still can't transfer my money out and I was charged a large fee too of XXXX l am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
The credit bureau reinsert a deleted item from your credit report without notifying you in writing within 5 business days.

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

Complaint:
I submitted a complaint to CFPB about Bank of America and the response I got from them had nothing to do with what my complaint was about. So I am submitting a new complaint in the hopes that this time B of A will address my complaint. On XXXX XXXX I deposited a cashiers check for {$7500.00} in my checking account. When I asked the teller when the check would clear she said it would CLEAR the next day. I went back the next day and took {$4500.00} out of the account on the information that the teller had given me that the check would have CLEARED by then. On XXXX XXXX the bank informed me that the cashiers check was fake and that they are holding me responsible for the money spent. It was never explained to me that even though I was told that the check had cleared that there could still be a problem with the check. That it could take days for it to actually clear. I should not be held responsible for the money that was lost on the fake check. This is the bank teller 's fault for not explaining the process to me and for telling me that the check had cleared and allowing me to withdraw money on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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:
These are not my accounts they do not belong to me tney are not mine and I will not be responsible for this!!!! 

XXXX  XXXX - Accounts # XXXX XXXX {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX {$0.00} Opened XX/XX/XXXX INQUIRIES Creditor Name : XXXX XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-06-30
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a call today from Credit Control Corporation, phone number ( XXXX ) XXXX, but the caller did not leave a message. I called them back and the person who picked up the phone didn't give me any details. She simply asked me for my Full Name, Date of Birth and Full Social Security Number. I told her that I didn't want to disclose my personal information. 
She then threated me with garnishments or arrest if I didnt disclose my personal information and pay my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: GUIDANCE RESIDENTIAL, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for refinance mortgage for my rental property and I was offered mortgage rate 3 %. All documents were submitted as requested. Application was denied and reasons on denial letter based on my credit reports are false. I got copies of all 3 credit reports and denial reasons were not found on my credit reports. After discussion with agent, I was told since my application, mortgage rates have gone up and they can not offer me rate of 3 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2021 got a letter from XXXX XXXX XXXX stating that they are representing Bank of America but Bank of America sold debt to a 3rd party but they are claiming that they are representing Bank of America.

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 2016-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Other

Complaint:
Bank of America said they sent me a form to fill out, a XXXX form. I never received this. Well, I tried to log in to my account to see if I had a balance, and it was blocked, so they told me I had to fill out this form, giving me instructions to go to the IRS website. I did, I filled it out, and I faxed it to them. So then I called customer service, and they did reinstate the account. They said I had to do this because they could n't verify my SS number. Well, I see that they did a hard hit to my credit report!!! They never said they were doing that ... if I knew that I would not have gone through this!! It 's terrible! I want them to take that off of my credit report, as I have an inquiry from them when I originally opened this 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 non-monetary relief