davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-25
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent XXXX to someone with XXXX in XXXX, XXXX last XXXX XXXX, 2015 though my bank. It was international money transfer. I came to know that i sent it to him by my mistake. I had called XXXX several times to send it back to my account but they kept telling me to talk with him for his approval but i dont know him. I dont have or dont know his phone number. His bank told me to send an email to them what my problem was. so i emailed to them several times and they ignored me for a long time. I was angry. When i called the bank, i needed my money back asap and they said they cant do anything because they said i am not a XXXX customer and i must speak to the receiver. I was stuck and told his friends to communicate with him for me. He was so angry because he was not allowed to give me his phone number then he decided to close his account after he told his bank to transfer my money back. His friend notified me that my money was on way to my account but the fund was never wired for XXXX months!!! I even stopped by my bank about that many times so my bank contacted their wiring dept to request what happened to my fund and where it was. They found that my fund IS STILL AT XXXX ACCOUNT. My bank from XXXX different locations requested it to XXXX to wire it back to my account several times but XXXX refused to do it for no reason. Why?
Consumer complaint received 2016-09-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was trying to open a bank account at Bank of American but the banker told me that I ca n't open bank account at Bank of American because they said I abuse an account that I had. At that moment I was confuse because I have never open account at Bank of American before I was a victim of identity theft before I had fraud on my credit report. So I had to go to my local police station to file a police report that day so I need this bank to do a investigation on who open this account without my authority Bank of American told me I can never open a bank account never in life because of this situation.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Once you've successfully filed your credit dispute, you should expect the following to happen : 1. Confirmation Code You'll receive a 10-digit confirmation code for future reference. You may check your status anytime within your myEquifax account.

2. Investigating Your Dispute When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so. Otherwise, we contact the reporting company to verify the accuracy of the information youre disputing.

3. Results in 30 Days Within 30 days of your dispute request, we will notify you of the results of our dispute investigation. 

From EQUIFAX page themselves but all my disputes take more than 45 days in most cases
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America will not stop contacting me re : a mortgage modification that I rejected back in or about XX/XX/XXXX. I am attaching a voicemail I received on XX/XX/XXXX from Bank of America 's " NEW Primary Contact ''. As you can see from all complaints that I have filed with the Bureau of Consumer Financial Protection , Bank of America has royally messed up my mortgage account ; violated my privacy and personal information ; misappropriated my escrow funds ; refused to accept my XX/XX/XXXX mortgage payment and the list goes on. Please note that I have left several messages demanding the specific BOA employees, XXXX. XXXX XXXX in XXXX XXXX, NJ and XXXX XXXX who claims to now be handling my " moidification '' to stop contacting me since they have no reason to do so. There is not mortgage modification that I have approved. I have also demanded XXXX to stop contacting me. This company obviously received my mortgage information from Bank of America in order to contact me, without my permission for BOA to release any of my personal information. 

Although I have requested on numerous past occasions that my mortgage account be placed BACK TO " NORMAL '' and to remove if from the modification account they have placed it in WITHOUT MY CONSENT OR ACCEPTANCE of their proposed modification, BOA continues to harass me about my mortgage modification, which I rejected and does n't exist ; is and always has been current and they are now refusing to accept my XXXX mortgage payment that I have been trying to remit since XX/XX/XXXX, at their local BOA office in XXXX, NJ. On XX/XX/XXXX, I was caused to expend {$11.00} in XXXX fees to mail my mortgage payment to BOA via certified mail, return receipt requested. 

Most importantly, I have recently been advised by the Internal Revenue Service that they have " flagged my XX/XX/XXXX Tax Return '' since someone else has attempted to file XXXX using my personal information. This is quite troubling since Bank of America violated my privacy by ( 1 ) employing someone who stole customers ' personal information a few years ago ; and ( 2 ) by recently providing another individual with my mortgage documentation/information, whereby I received that person 's Bank of America letter re : a rental car which was received in an envelope addressed to me. As a result of Bank of America 's failure to protect my privacy and personal information/identity, same has been stolen and the IRS will not release my XX/XX/XXXX Tax Refund. 

Please advise if you require any additional documentation and I will promptly provide same which shall confirm the fraud. Simply stated, Bank of America has violated the Federal Privacy Act, among other illegal acts.
Consumer complaint received 2016-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I can give you more detail at a later date if needed but the condensed version is that I app applied and was accepted for a loan with Bank of America and through the process the amount that would be payable per month changed 4 times till literally the night before closing it was higher than I knew I could afford. I was not given that amount till I called my loan officer the night before because I did n't even know how much I was supposed to bring to the closing. I was n't given my final disclosure till 2 days AFTER the closing date!!!! I was NOT going to go to a closing without having the final disclosure and therefor the closing did n't happen which left me " homeless '' as I had given notice for where I was living and HAD to move! I have every piece of documentation and email of charges I incurred that has never been returned and proof of the increases and that the final disclosure was sent AFTER the closing date.
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been trying for over 2 months to contact someone from Bank of America to investigate why my account was charged for over 5 years a service fee each month when I had an automatic deposit over XXXX $ each month. I can not get thru to anyone. I am constantly redirected when I finally speak to an individual they redirect me back to automotive system! Ye
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I entered into a 40 yr fixed mortgage with boa on XX/XX/XXXXXXXX.beginning in XXXX XX/XX/XXXX bank of america has not complied with the terms of the agreement. I have made all payments on time or early according to the agreement. Bank of america has charged me late fees and overdue charges for not receiving full payment. I have been in contact with several resolution specialist, the latest being XXXX XXXX. This rep has stopped calling on the agreed upon times. Boa is inappropriately applying my payments to interest and late charges and other fees that are not owed. I have all the documentation that this loan has always complied with the agreement and the boa states they are still trying to obtain the needed paperwork. This has been going on since XXXX of XX/XX/XXXX.My payments that are presently and historically been current with no late payments are being applied and then reversed according to my monthly statements. I have no way of knowing what is being applied correctly to principal .This has been going on since the inception of this loan, that began in XXXX of XXXX. This loan should be audited by this agency.
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I took out a car loan, through Bank of America in the amount of nearly {$30000.00} around XXXX XXXX. The car was repossesed by Bank of America in XX/XX/XXXX, with a balance of about {$18000.00} remaining on the loan. Bank of America auctioned off the vehicle for about {$20000.00}. Now, XX/XX/XXXX, their so called collections department claims that I owe them {$10000.00}. Go figure that. To add insult to injury, XXXX of the crooked collectors, went into my account on XXXX XXXX, XXXX, with no authorization on my part and took ( stole ), my entire pay of about {$2000.00}, for a car loan that should have off set to XXXX balance, when the vehicle was auctioned off in XX/XX/XXXX. This is an unscrupulous collection practice to say the least. When I tried to dispute the action, I get reminded of some disclosure, that most people with XXXX vision probably need a magnifying glass to read. In the meantime, I am out of {$2000.00} for the month that a conniving, thieving agent of Bank of America stole from my account on XXXX XXXX, XXXX without any authorization, nor consent on my part. Unbelievable!
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

In XXXX 2014 I was scammed and was charged {$9000.00} from my Bank of America Visa Credit Card, I think the {$4000.00} charge is still under investigation but the {$5000.00} dispute was closed and now they are beginning minimal charges against my card. I made every effort to give them information and documentation regarding this fraudulent activity. I do n't understand how they could close this case knowing that this was a result of fraud. I think that this may be an inside job ... you can call me at XXXX. Any help would be appreciated. Thank you
Consumer complaint received 2016-06-22
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America ( BOA ) refused to refinance my HELOC into a regular mtg on 3 occasions. I have XXXX properties that are paid in full & can be used as collateral & a monthly income of {$2500.00}. The HELOC 's current balance is $ XXXX and the XXXX properties that can be used as collateral are worth $ XXXX. I 've been making monthly pymnts on the HELOC since year XXXX in the amt of $ XXXX/month... which is $ XXXX per year & now a total of $ XXXX so far paid solely to interest. Not XXXX applied to principal. This loan will never be paid off in this manner. My monthly income comes from the renting of XXXX of the properties and I reside in the other. The HELOC was taken out against the property that is being rented. I spoke to them again today ( XXXX/XXXX/XXXX ) about converting the HELOC into a regular mortgage so that my monthly payments would include both interest and principal and they informed me that when the HELOC matures in XXXX, the HELOC will convert into a regular mortgage. I am XXXX and my husband is XXXX. I fear that the bank keeps refusing to refinance my HELOC simply because they want to collect 2 more years of interest from me. On 5 different occasions I 've had some extra money and mailed it in to be applied to the principal of the HELOC. The payment coupon has a space for you to write the amt for principal only. Yet, BOA would never apply it to the HELOC at all. The additional funds sent would be held in a " floating status '' and then eventually be applied to our XXXX mortgage. How in the world can they apply funds to a XXXX mortgage account when they were to be applied to a HELOC account?!!! Each account has a different number! The pymnt coupon has everything clearly notated. There is no reason that they should not refinance my HELOC. We 've been a customer from XXXX thru XXXX with our XXXX mortgage. We made 36 yrs of pymnts & were never late. Half of our monthly income of {$2500.00} from the rental goes to the HELOC & the other half is used for food, utilities and medical expenses. We are simply trying to live our last years and be able to take care of each other. We are being taken advantage of & need your help.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

I am a co-signer for my son 's student loan account with Navient, aka XXXX. Navient incorrectly reported to the credit bureau that " my account '' was 60 days past due, with a reckless lack of communication to me that the account I co-signed for was even late. I dispute that Navient had any lawful right to ruin my good credit by reporting to the credit bureau that I was 60 days past due, in regards to my son 's student loan account. Navient should have some legal duty to actually contact me before they take such extreme action as ruining my credit. Navient negligently failed to make any reasonable effort to contact me to alert me to any late payments on this account! I only received XXXX vague email, just just six days before they reported " my account '' as 60 days late and it had no mention of a late pmt in the email. Navient claimed they " generated '' a notice but they did not. Navient said they fulfilled their duty to notify me by sending " automatic '' phone calls to a land line with no answering machine or phone, and they acknowledged that none of the phone calls were answered. ( Navient had all of my contact info in a separate parent plus account ) Naviant destroyed my good credit, as my score dropped from XXXX to XXXX the day they reported " my account '' as 60 days past due. I explained this to Navient but they have done nothing to satisfactorily explain why they relied on the inaccurate incomplete, unverifiable and non-existent notification to me, that the account I co-signed for was late -- prior to ruining my credit in reporting this account 60 days late without sufficiently communicating with me that it was late first.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

I recently refinanced my loan with New Rez Llc. Account # XXXX. Effective XX/XX/XXXX. My payment was to begin XX/XX/XXXX. I received a collection call from my previous services XXXX XXXX Account # XXXX. My XXXX payment was late with XXXX XXXX and I was being charged a late fee of {$85.00}. When I advised them my account should have been paid off I was told the wire was short by {$3600.00} and rejected by XXXX XXXX on XX/XX/XXXX. I was not advised by New Rez that my loan was not paid off or that any action was needed. No one ever reached out to me. The wire was rejected on XX/XX/XXXX and I had since received my mortgage coupon from New Rez to begin my payment as of XX/XX/XXXX. I contacted my loan officer XXXX XXXX who was unaware of the situation and said he would look into it on XX/XX/XXXX. I currently have 2 mortgages out on the same home with a XXXX payment due with loan care for {$2100.00} and a XXXX payment due for {$1800.00}. No one seems to know whats going on. I did call and leave a message and sent an e-mail to the manager for lending for New Rez XXXX XXXX and have not heard back. I called the number for New Rez on my mortgage coupon and reached a company Shell Point Mortgage who said they were servicing my new loan for New Rez and could not offer any assistance. When I requested a supervisor I was then cold transferred back to New Rez. Shell Point Mortgage is not advertised anywhere on my mortgage coupon. I am very frustrated and feel mislead. I cant seem to get any answers and need help. Thank you
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute against Bank of America Credit Card unit because I took my car into a repair shop and they did not fix it and then they tried to change me additional fees to fix the original problem. I sent several documents to Bank of America by fax and they said they did not receive them and the deadline for my dispute was expired. I filed a compliant with your organization and keep in mind the car repair shop issued a letter stating they did not repair the part of the vehicle that I originally requested repaired. Bank of America has put a negative comment of my credit profile in retaliation to the fact that I reported them to your organization. I recently ran my credit and it said the I filed a dispute of resolution. I have a right to contact you and request a fair and appropriate resolution and it is illegal for them to retaliate with the goal of destroying my credit score. I pay all of my bills on time every month.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : [ Amount ] {$4800.00}
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On Tuesday XX/XX/XXXX I stopped at Bank of America to withdraw money at the drive through ATM. I tried to withdraw {$300.00} but did not retrieve it from the ATM machine. The lid on the machine did not open for me to retrieve the money so I assumed it was stuck. I checked my bank account and saw that it was debited the {$300.00} so I pulled around and went inside the bank to see if I could get the it there instead, but the lady I spoke with told me to call the number on the back of the card and file a claim. The next morning on the XXXX I called and submitted a claim and they told me to wait 30 days to get a response, but I received a letter in the mail from Bank of America dated the next day XX/XX/XXXX, that they closed my claim due to suspected fraud. I was tolled that they needed to look at the security footage and audit the machine, but I assume that they never tried to look into my situation in the first place if they were able to make a decision that fast. Its been over 30 days and I haven't received anymore information regarding my claim. So I would like to have this claim re-investigated so that I can get my money back.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (PA)

ERC is attempting to collect {$200.00} for a sprint phone bill. We had sprint for 1 month only. This can be easily verified. We signed up under a no obligation trial promotion. This is verifiable by googling sprint free trial etc. we cancelled and were told by a manager we would not be responsible. The is extremely ridiculous considering the OWE ME MONEY. They took our XXXX trade ins and we never got them back after we cancelled. XXXX fails to tell you that when you do the trial promo. So we lost our phones to XXXX, had to pay XXXX for them, and now they are trying to collect a months bill from me for a promo I shouldnt be responsible for anyway AND THEIR SERVICE DID NOT WORK IN OUR HOME! I cant move because of this collection affecting my credit score. This is an erroneous collection. Ive attached photos that show old excerpts about the promo.
Consumer complaint received 2015-10-22
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (GA)

I used my Netspend card at XXXX of their " FREE '' ATMs. AFTER logging in and clicking " withdrawal '' I was then asked whether the w/d should be from Savings or Checking ( I was given the choice ) ; so I chose " Savings ''. The machine then denied the choice IT gave me and charged me a decline fee for insufficient funds ; not because the amt was n't in my saving account, but because ( from calling them ) they say they do n't allow withdrawals from savings. If you 're going to charge a fee for an option you do not allow, you should n't offer the unallowed option as a choice. Please look into this. I have saved the receipt and I 'll supply you with what you need. Thank you XXXXXXXXXXXX.
Consumer complaint received 2015-10-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently refinanced my HELOC with Bank of America to lower my payment and specifically requested a fixed interest rate loan multiple times. During the application process my loan officer reassured me he would get me into a fixed rate loan. After 6 months of making my new payment amount, my statement had a note on it that my payment was increasing and I had a variable interest rate. My new payment amount is more than what my previous payment was after the interest rate change! I do n't understand how this happened when my loan officer reassured me multiple times the loan I was getting into was a fixed rate. On top of all of this, I now can not make my payments online anymore like I was able to with my old HELOC. When I called in to ask about this, I was advised I have to have a Bank of America account to pay my HELOC account online. That makes no sense because I could make my old HELOC payments online just fine without a BAC account. I 'm completely unsatisfied with the product I was given and having my payments be more than they used to be. This is a hardship on my financial situation.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

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