BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are in the final stages of a 30 year fixed rate conventional mortgage underwriting final approval with Bank of America ( BofA ) for a home purchase. At origination on Mon, XXXX XXXX, 2016, we were given the option of whether or not to escrow property taxes and homeowner 's insurance as part of the application process. When we asked mortgage loan officer XXXX XXXX XXXX ( NMLS ID : XXXX ), " Does it matter? '' XXXX XXXX replied, " No, it can be done either way and you can always change your mind later. '' When we shared that on the current BofA mortgage for the home we would sell only real estate taxes were escrowed, XXXX XXXX stated, " Ok, I 'll just go ahead and set it up now for XXXX and we can revisit it later. '' Today, obviously later, concurrent with requesting the " binder '' for submitting to XXXX BofA and our attorney, we decided we did not want to escrow homeowner 's insurance and as such informed XXXX XXXX via e-mail. He replied via e-mail, " Please be advised that your change in escrows will results in additional points to your loan. Please confirm you still would like to do that. '' To which I replied via e-mail that I had read and re-read all of the forms and disclosures and could n't find any reference to said increase and asked where it was written and how much the additional points were. XXXX XXXX then replied, " It is not written but it was change pricing by XXXX points '' ( please note the quotes are cut and pasted directly from XXXX XXXX 's e-mails and not edited by me ) In a subsequent exchange of several e-mails I requested that given that increase was nevere disclosed it should be waived and requested such, XXXX XXXX wrote via e-mail, " The XXXX points will not be waived and we will proceed with the loan as currently configured ''

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 2023-09-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Account XXXX XXXX XXXX Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages

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 2016-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I AM A XXXX VETERAN. I AM WRITEING THIS LETTER BECAUSE BANK OF AMERICA HAS ILLEGALLY MERGED XXXX DIFFENT EQUITY LINES OF CREDIT ON A HOUSE UP FOR SHORT SALE AND XXXX THE EQUITY LINES OF CREDIT BELONGS ENTIRELY ON A DIIFRENT HOUSE ONLY RELATION IS THEY BOTH HAVE IS THEY BOTH ARE OWNED BY BOA. THE LESSER AMOUNT IS ON XXXX XXXX XXXX XXXX, MICHIGAN XXXX. THE HOUSE GOING TO SHORT SALE BECAUSE ITS EQUITY LINE IS IN DEFAULT BECAUSE IT IS XXXX NOW {$65000.00} UPSIDE DOWN IS IS XXXX XXXX XXXX MICHIGAN XXXX. 
BANKS HAVE THAT MUCH POWER NOW. WOW. 
PLEASE HAVE THEM CORRECT THE PROBLEM.. THEY HAVE IT IN THEIR RECORDS THAT THE LESSER LOAN THAT IS NOT IN DEFALUT BELONGS TO A TOTALLY DIFFERENT ADDRESS WHICH IS XXXX XXXX XXXX, XXXX, MICHIGAN I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN. THEN THEY FORCED ME TO CHOSE BETWEEN SHORT SALE OR FORECLOSURE. I CHOSE SHORT SALE BECAUSE I DON.T WANT TO FILE BANKRUPTCY. I PAY MY BILLS. I HAD TO FIND THE REALTOR AND THE BUYER. THE BUYER IS ABLE TO BUY IT ON PENNIES ON THE DOLLAR AND I GOING TO RECIEVE A XXXX I HAVE TO CLAIM IT AS EARNED INCOME. AS MUCH AS IT HURTS.AND AS EMOTIOAL DRAINING AS IT HAS BEEN, I DID IT. NOW I FEEL I HAVE BEEN WRONGED AGAIN. I HAVE A FAMILY HOME THAT WE JUST LET FAMILY LIVE IN FOR FREE XXXX XXXX, XXXX, MI XXXX IT HAS A SMALL LINE OF CREDIT OF {$7000.00} I ESTABLISHED WITH XXXX WHEN I WAS AROUND XXXX OR XXXX YEARS OF AGE. I AM NOW XXXX. THE ACCT NUMBER ON XXXX XXXX HAS CHANGE SEVERAL TIMES THROUGH BANKS. 1 ST WAS WHEN XXXX PURCHASED IT FROM XXXX, 2ND WAS THEN BANK OF AMERICA PURCHASED IT FROM XXXX BANK. 3RD TIME WAS WHEN BOA WAS CHANGING ALL THERE ACCOUNTS IN 2007 THE ACCOUNT CHANGED AGAIN. XXXX XXXX ACCOUNT HAD XXXX ACCT NUMBERS THIS ACCOUNT IS SO OLD IT IS GRANDFATHER IN TO BEING A FOREVER REVOLVING LINE OF CREDIT. NOW BANK OF AMERICA IS TRYING TO TAKE XXXX OF MY HOUSES FOR THE PRICE OF XXXX. PREVENTING THE SHORT I AM UNABLE TO SHOW PROOF OF THE PAPER WORK BECAUSE MY HOUSE HAD A HOUSE FIRE AND I STORING A LOT OF MY PAPERWORK IN THE BASEMENT. SO I AM UNABLE TO PROVIDE THE INFORMATION FROM NEARLY 25 YEARS AGO. BUT IT IS HARD FOR ME TO BELIEVE THE HOUSE WHICH IS TO BE SHORT SALE ; XXXX XXXX XXXX MICHIGAN HAS MYSTERIOUSLY GOT A XXXX MORTAGE OF AN ENTIRE OTHER HOUSE XXXX XXXX XXXX MICHIGAN IS UBELIEVABLE. THIS IS WHY I GOT A LAWYER. IT WAS JUST THE WRONG ONE AND I CA N'T AFFORD ANOTHER ONE. THIS IS WHAT THE BANKS ARE DOING TO XXXX PEOPLE. THE BUYER WHO IS READY TO FLEA, I AM STILL RESPONSIBLE FOR THE WATER BILL AND TAXES. IT 'S JUST TOO MUCH. I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN.

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 2015-11-19
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I keep getting phone calls about a debt that I do n't know the creditor. They have been calling my son, my niece, my daughter in law. All the numbers being called are non-published numbers. All who have no knowledge nor involvement with this debt collector, nor any of my dealings. They tell them that that is an important court matter that needs to be resolved in a threatening manner.. 
The number I get calls from is XXXX ( Municipal Services Corp ). or so they identify themselvesI have called that number telling them to stop calling me and my relatives to no avail. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: WESTERN MASS CREDIT CORP.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Several years ago I received in the mail a notice from the XXXX XXXX XXXX for a delinquent debt for a XXXX account. I have NEVER used XXXX. After speaking with a XXXX representative, I was told to email a copy of a completed FTC Complaint and a photo ID to remove the debt from my name. I emailed both of these items to XXXX. This month, about 3 days later, this SAME collection is showing up on my CREDIT REPORT. I have contacted XXXX yet again and was told this account has DIFFERENT social security number affiliated with it. In order to have the collection removed I was told to AGAIN fax a copy of my FTC Complaint, a copy of my credit report, and a copy of a police report showing that I reported this incident. I faxed all of this information to XXXX six days ago and received a fax transmittal confirmation. I called XXXX billing department this morning and was told they have no recorded of receiving this information and that it could take up to 2 weeks so I just needed to be patient. I am incredibly doubtful that sending the same information to XXXX as I did 3 years ago will cause them to take any action towards removing this fraudulent collection from my credit report. I have exhausted all resources I possibly can to clear this up and the Company again is refusing to act. I am attempting to purchase a home and this collection has SERIOUS NEGATIVE IMPACT to my credit score. XXXX is costing me money, time, and effort and there is nothing it seems that will make them take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Interest rates on my bank credit cards are 22.49 % while I have never missed a payment. I am retired and have watched my IRA decrease to a very terrifying level. 

HOW CAN THEY GET AWAY WITH IT? 

Where can I complain? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Altisource Portfolio Solutions, S.à r.l.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2015-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Last year in XXXX and into XXXX of this year XXXX, Bank of America Homes Loans had been looking at my loan ( # XXXX ) for a loan modification. During the review process, my Privacy Laws were severely violated, which cause unbelievable damage to myself and my children. An employee of Bank of America at the time, XXXX XXXX, gave my ex-wife, who was not on the loan or had any authorized access to my information, damaging and incorrect information without my consent or knowledge. My loan modification was recently denied and now being foreclosed. Bank of America has a duty to keep my loan information, and any personal information private. The entire loan review modification process of my loan was tainted, and my Privacy Laws severely damaged. I have proof of this with phone records ( texts, e-mails from my ex wife ), as well as testimony from myself, my children, and others. The information was used to slander me as well as torture my children with incorrect information that my ex/wife used to scare them to sleep at night about losing their home, among other threats. The occurrences took place mainly in XXXX, XXXX and XX/XX/XXXX. My life and financial stablility have been crushed by Bank of America 's poor and pitiful attempt to protect my Privacy Laws. I have retained an attorney to represent me, and this is also another financial burden. I would like a response asap as my home is in foreclosure, and my kids and I are going to be kicked out because of Bank of America 's callous and ridiculous actions. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Attached is a full explanation of my issues with Bank of America concerning their putting me on a Trial Modification Program without me filing documents and clearly telling them I did not want to do a modification since it was rejected several years ago after 7 months, leaving me with a ruined credit report. After numerous telephone calls for 4 days I finally got them to a few days later to correct my information and remove me from the trial period. My concern it this should never have happened. They had no authority or permission and frankly continually made excuses. I did file with the state and then now with you. If this is happening to me, it is obviously happening to others. Please investigate and stop this continuous nonsense and I believe illegal process they force on people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America gave me a payoff balance to a credit card. I sent the check in full and asked to close the account. Bank of America did not close the account and charged me {$15.00}. They than reported it late for the next 120 days. At this point they closed it and removed the {$15.00} charge. This damaged my credit score tremendously and ability to obtain credit.

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 2015-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Our lease ended on XX/XX/XXXX and we inquired about extending ot for up to 3 months but had n't yet sent back the argreement. Just in case we did extend, we scheduled a bill pay to go out on XX/XX/XXXX to SEToyota even though no further payments were due. 
On XX/XX/XXXX, we sold the car to a XXXX dealer and bought another one. XX/XX/XXXX we contacted BOA to stop the outgoing payment They advised us that although it could not be stopped, we should leave the account negative until it declined twice then it would stop. 
On XX/XX/XXXX, a transaction was processed showing as a bill pay to XXXX for {$350.00}. I went into the bank to ask how this happened and was told by the bank manager that XXXX used the information from the declined bill pay to force the transaction through as a collection. There was no collection. This transaction occurred in the amount of {$350.00} and cleared with only {$160.00} in the account without authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a loan through Navient ( formerly XXXX XXXX ) and it has become one payment behind. I understand that they need to try and collect their payment, but they call XXXX times a day, and at all times of the day ( from XXXX to XXXX pm central standard time ). The loan was for XXXX XXXX XXXX in XXXX MO. The number that appears when they call me is XXXX. They never leave a voicemail, and the only reason that I know who they are is because I had to google the phone number to find out who was harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: ERC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was taking care of back in 2005 and is still reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report and there was information on it that didnt belong to 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 2015-03-25
Company: Resolve Partners, LLC
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Filed dispute online with all XXXX credit reporting agencies concerning the account from Resolve Partners LLC for {$2200.00} for damages to a house I rented from XXXX in XXXX SC XXXX XXXX to XXXX. I did have to vacate the property before the lease was fulfilled but the house was re-rented immediately. There was no dispute over the rent. The itemized bill they sent to me shows that fact ( see * on attached bill where it shows the amount did not change indicating there was no lapse of tenants ). The dispute is over damages. I caused no such damage as evidenced by a letter of reference written and signed by XXXX in Charge : XXXX XXXX ( see attached letter ). I have a long history of home rental and have never had a problem. There are no other such complaints on my credit files. I have always left the properties I have rented in better condition than I found them. I believe this dispute with XXXX resulted from my physical inability to complete the counter top after the kitchen stove was removed. XXXX recognized that the built-in stove that was there when I rented the house was severely damaged and posed a fire risk. I offered to remove the stove and use my own appliance relieving them, temporarily, of the duty of replacing it for me. I, however, did not agree to leave my stove when I moved. There was no other damage to the house from me. 
XXXX kept my security deposit which more than covers any perceived damages. Now Resolve Partners LLC is attempting to profit from this dispute by damaging my credit. I have written to them via certified mail and they have not responded except to update and reiterate this bogus debt. I have written XXXX as well who have also not responded. The credit reporting agencies ; all XXXX majors, have also not responded to my disputes. 
I believe the bill generated by XXXX XXXX XXXX serves as its own evidence that I do not owe this debt. It shows the inflated charges for petty damages, the unreasonable expectation that I finish out their counter top after the stove install, and the retention of my security deposit even though the house was immediately re-rented. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I previously complained about Discover 's website : XXXX. I try to access the site and I am unable too. The site will not allow me to reset my password saying the model of my first car is wrong. I know what the model of my first car was and the information their site is pulling from is wrong. There should be another way of resetting my password. Anyway, they finished the last complaint by telling me to contact XXXX, which is who provided that questions information. They have come back and told me they are unable to assist as they have no affiliation to XXXX. Now, it is back to Discover. I want remediation. This has been a complete and total service failure. I need to reset my password. I expect them to be able to help me ; nothing otherwise. If they do not, litigation will be next!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have recently been informed that there is negative information reported by TransUnion, for a " Bankruptcy. '' I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. TransUnion did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.

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 2016-01-21
Company: R J Baucum Enterprises, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A representative from ESA ( XXXX XXXX ) continues to contact me at my home and mobile in regards to a debt that they have failed to verify. They are stating that they will arrest me and take other legal proceedings. I am assuming that they fail to verify this debt because they is no verifiable debt.

Company response to consumer: Closed with explanation