davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (WA)

I have written to Loancare about this issue multiple times as well as called them. Loancare continues to report incorrectly to the credit bureaus. With the last complaint to the bureaus the solution was to simply list our home loan as currently on time. This is not the fix Loancare needed to report. After we finally were allowed to get out of forbearance ( we were denied multiple times by Loancare ), we completed the forced three-month trial period after the forbearance program, those months were XXXX, XXXX and XXXX of XXXX. These payments were to be made on time and in full in order for Loancare to redirect the missed payments to the end of the home loan. The first payment was XX/XX/XXXX. XXXX, XXXX and XXXX of XXXX were all paid IN FULL and ON TIME, with receipt confirmation and yet Loancare has reported all of those months as 30 days past due to all three credit bureaus.We entered the forbearance program because our household went from two and half incomes down to one, we called Loancare to get advice as to what the best choice would be for us to not lose our home. We were told the forbearance was an option, we could get out of the program as soon as we were able to pay the mortgage with no issues. We were told Loancare would send the credit bureaus a non-report notice each month until we were out of the program. I have over 20 calls to Loancare over the last year and a half. This program was a disaster. Each time I called I was shifted around to different departments, I spoke with multiple managers and supervisors, they each had different answers to the same questions. Our mortgage was reported late for over a year. We were told while in forbearance it would be a non-report. I have contacted Loancare directly about this issue multiple times. I am given different answer, and different reasons why the reporting is not being corrected. None of which are the same employee to employee. I have documented payments that are on time and in full that Loancare has reported as 30 days late ( whether they were paid in full or not during the forbearance ). We still paid as much as we could while in forbearance, some months in full, some what we could afford but all of these payments were not required because we were in forbearance. Loancare still reported as late every month. We would not in a million years have chosen to take part in a plan reported us late for over a year. This issue has ruined my credit. I am willing to take whatever steps needed to get this corrected. I am trying to refinance my house but because of the incorrect reporting I am unable to do so. I need help. I have contacted every other government site and company I can think of including two lawyers. I need direction and help to get this issue resolved. Thank you. 
**Attached are all of the payments that came out of my account, the other owner has the payments from XX/XX/XXXX to XX/XX/XXXX ( he has since moved out of the home )
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

In XX/XX/2018, my wife and I fell behind on our mortgage payments after she became ill. The majority of our income went to her treatment and medical expenses which made it impossible for us to keep up with the payments since we were on a fixed income. Paying our bills literally became a life and death decision. She recently passed away this past XXXX and I am just trying to get the default rectified so that the home does not foreclose. I do not have the funds to reinstate the loan so I am in the process of applying for a short sale to sell the home. I need more time to get my wife 's belongings out. I haven't had any time to clean out and sell the home because I've been in such a whirlwind since XXXX XXXX death, I could barely afford to cover her funeral expenses. Please have someone help me in getting the foreclosure auction stopped so that I can sell the home, I just need at least 60 extra days.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I visited the Bank Of America XXXX in XXXX, CA at approximately XXXX am with the intent to deposit {$500.00} cash into the ATM. Upon putting in my information with the card and attempting to deposit the cash the machine accepted my money and proceeded to make the sounds as if it were counting it. I stood there for a few minutes waiting for the machine to finish counting and after a while, a loading screen just kept popping up. Worried about my money being taken and not deposited I hit the cancel button on the screen. The machine gave me {$1.00} back out of the entire deposit and gave me a receipt stating " We apologize for the inconvenience. We are unable to process your request and can not return your item ( XXXX ). Please contact our XXXX Claims team at XXXX to discuss this transaction ''. 

After this incident, I went inside the bank with the receipt and told a bank teller what happened. He directed me to open a claim ( which I did ) and told me everything would get sorted out within a few days. However, as of XX/XX/2021, my claim has been declined. I spoke again on the phone with the claims department who could not provide me information as to why my claim was denied or allow me video camera access to the date and time that I was there.
Consumer complaint received 2022-06-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (PA)

Mountain Run Solutions appears per my credit report to be collecting for XXXX  which is a bogus and fraudulent collection on my credit report. I didnt even know about it until I looked at my credit report. I disputed it numerous times with XXXX and to date and thus far hasnt fixed it even acknowledged that I have this debt. 

I was a perfect customer and fulfilled all of my obligations with XXXX. 

I have never borrowed or entered into any contract with Mountain Run Solutions or know who they are. I never received any notifications by text, phone, email or mail from this company regarding why they claim I owe this debt, nor did they provide me with any or my rights to dispute or validate this allege debt. 

I discovered this was merely placing a collection on my report. 

I feel this needs to be off of my credit immediately.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX I applied online and was approved for the XXXX XXXX " XXXX XXXX  XXXX '' issued by Barclaycard US XXXX Barclays Bank, Delaware ), As you can see in the attached scan of a Barclaycard handout ( one of severaI collected on XXXX XXXX flights over the past months ), I was promised the first-year membership free. 

As directed, I entered the handwritten code on the card application website, so my flight attendant would get her reward for the sale. 

Yet, on my account ( also attached ) I was billed a {$99.00} first year membership fee, and on 3 separate calls to Barclaycard US the most recent on XX/XX/XXXX I was unable to get the fee reversed. 

Most astoundingly, the Barclays agents all insisted it was my fault. They told me I must have responded to an ad that did not feature the fee waiver. I understand that they recently had two sets of ads running -- one with and one without the fee waiver offer, which is a recipe for confusion -- but I am 100 % certain I used the offer on the attached ad, and followed instructions on the webpage indicated. 

Approximately XXXX year ago, my son had the same thing happen with him when obtaining a XXXX XXXX credit card. Unlike me, however, my son was able to get the fee reversed after several complaints to the bank. 

I believe this represents a pattern of promotional " errors '' at Barclaycard US, and I would hazard a guess that the majority of them are in the bank 's favor. CFPB should investigate as Barclaycard is in the midst of a marketing blitz promoting co-branded cards with XXXX, JetBlue, XXXX and other travel providers,
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (NC)

In regards to acct number XXXX. The Original contract details from Regional acceptance were for {$27000.00} with a finance charge of XXXX at an interest rate of 17.95 % at terms of 72 months.. XXXX XXXX , happily sent a list of payments on the XXXX XXXX XXXX XXXX Total of payments made is {$30000.00}. The total of interest payments made was {$16000.00} and currently the interest rate is now 17.97 %. Regional has repossessed a vehicle that has been paid off for months. They are also claiming That {$3300.00} with a repo fee of {$4300.00} is still left on the account. The vehicle was repossessed on XX/XX/XXXX. The last payment sent to Regional was XX/XX/XXXX. The car has been paid off for months and I should have had possession of the title. The car has been auctioned off. Not only am I out {$30000.00} dollars, but I do not even have the vehicle.
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

My mortgage servicer, Carrington Mortgage Services , LLC, failed to capture the XX/XX/XXXX {$250.00} property tax deduction from the Township of XXXX in the XX/XX/XXXX escrow analysis, resulting in an incorrect shortage and an increase in the monthly mortgage beginning with the XX/XX/XXXX statement with payment due on XX/XX/XXXX going forward. 

Additionally, Carrington Mortgage Services , LLC after updating their system to reflect the correct names ( XXXX XXXX XXXX and XXXX XXXX XXXX ) on the mortgage of record based on the XX/XX/XXXX assumption, modification and partial claim indicated that any excess escrow disbursement check would be issued to XXXX XXXX XXXX and XXXX XXXX XXXX. Any excess escrow disbursement check from XXXX should be issued solely to XXXX XXXX XXXX, since I as the principal borrower alone and homeowner am eligible and entitled to participate in an to receive the New Jersey Tax Reimbursement Program, the New Jersey Homestead Rebate Program, the Veterans property tax deduction, the Disability property tax deduction and/or the Senior property tax deduction from the Township of XXXX. Additionally, my name alone appears on the Deed. 

Thirdly, XXXX in updating their system to drop the names of the original signatories ( XXXX XXXX XXXX and XXXX XXXX XXXX, my deceased parents, to reflect the names that appear on the mortgage or record ( XXXX XXXX XXXX and XXXX XXXX XXXX ) based on the XX/XX/XXXX assumption, partial claim and modification, the servicer changed the correct property address ( XXXX XXXX XXXX, XXXX, NJ XXXX to the mailing address ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). 

Despite having contacted Carrington Mortgage Services , LLC on numerous occasions, including submitting a written request to the Carrington Research Department, these issues to date have not been addressed and resolved. Therefore, I am submitting this formal complaint against Carrington Mortgage Services to the CFPB. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A couple months ago, I used to bank with Bank of America. I liked banking with them because my work checks are with Bank of America. but I had a family emergency in another country where I had to fly out and with in that I lost my debit card within that process. And I guess they closed it due to fraud or something like that. I was told I could never reopen with them until XXXX years, I called to find out why and all they said was that it shows something about business decision and that I can not open a new account. No reason was specified on why it was closed all they said is I cant bank with them anymore.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, equifax is reporting it as open and transunion and experian are reporting it as a collection... equifax is also reporting this 120 days late and a collection thats double dipping, equifax is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I requested by letter for Experian, XXXX and XXXX to validate the missed payment on XXXX accounts with the Office of Attorney General. I received a response by email from Experian and by mail from XXXX and XXXX by mail. That the accounts were verified as correctly reporting. All XXXX credit bureaus reports are inconsistent showing sever missed payment on XXXX case XXXX has reported XXXX payments being missed. While XXXX reporting XXXX missed payments and no other data received. Experian reports has a XXXX days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other XXXX cases with the XXXX office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the XXXX office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how Experian, XXXX XXXX and XXXX received the information I was told at the XXXX office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (UT)

On XX/XX/2021 two items were cancelled with XXXX and I was charged for those items and was supposed to get {$21.00} back for the two items the bank chime is withholding it and won't stop withholding it. I never received my refund.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

We sent Chase the comprehensive contract on XX/XX/2021 which clearly indicated that the property has an apartment number and as such is a condo. 

Per our lock-in agreement signed on XX/XX/2021, the discount point is stated at 0.073 % and expiring on XX/XX/2021. Per the loan estimate package dated XX/XX/2021, we also note the same discount point and the same expiration date. And per the firm commitment issued on XX/XX/2021, the same discount point is mentioned. 

Friday XX/XX/2021 ( XXXX days before closing ) was the first time we noted that the higher discount rate 0.823 %. We signed this so we can close otherwise we would be in breach of contract ( end of time of the essence notice is XX/XX/2021 ). 

When questioned why our locked rate change when it clearly said expiring on our close date XX/XX/2021, Chase first told our attorney that it's due to the change in bank between XX/XX/2021 and closing date XX/XX/2021. It couldn't be because we went with a different lender as we did not sign any documents with Chase on XX/XX/2021 and the first signed document is dated XX/XX/2021. When confronted with this information, Chase change the explanation to the fact that it was a condo and not a single family home, which warranted a change in the discount rate. A condo is legally a single family home. The signed contract we sent over on XX/XX/2021 clearly indicated an apartment number. According to Chase, this pricing change and was immediately disclosed through the portal, which unless we logged on the portal, which we did not, would be completely oblivious to this change. 

I believe a best practice guide, which obligate bank to call/email customers as well as have customers re-sign the lock-in agreement should there be a change in pricing should be in effect to avoid this situation in the future.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

XX/XX/2021, Experian. XXXX XXXX XXXX of the fair credit reporting act law states that a consumer report must be accurate. Experain is reporting my name and address inaccurately. I HAVE DISPUTED MY PERSONAL INFORMATION TWICE. I have attached documents to support my personal information that is listed on my consumer credit report is being reported as INACCURATE. REMOVE FORMER ADDRESSES. THOSE ADDRESSES ARE NOT MY ADDRESSES. MY NAME IS SPELLED WRONG. UPDATE MY NAME TO XXXX XXXX XXXX XXXX as it shows on my birth certificate and social sercurity card that is attached to this compliant. I ALSO ATTACHED MY CURRENT EXPERIAN CREDIT REPORT ( PERSONAL INFORMATION ) FROM EXPERIANS WEBSITE.
Consumer complaint received 2021-12-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (SC)

We closed on our house last month. At the time of closing we paid all fees to include our taxes. Despite being advised by our closing attorney ( and I have emails to show this ) the mortgage company decided to not wire the money for taxes, instead they deducted it and kept it. Where this becomes a problem is they sold our loan quickly to another company and now no one can tell us where this money is. We have been working with our local branch and are told no one can find it. We have called customer service at Primary Residential Mortgage and are told we never had an account with them. We keep getting the run around despite having emails given to us by the attorney showing that XXXX kept our money. I have tried sending emails to the closing representative at XXXX and they refuse to respond to me. At this point no one can tell us where our money is and will not communicate with us. It seems they have kept our money and are claiming to have no record of it. Again we have documentation that they did not follow normal procedure and were advised against doing this by our attorney, XXXX refused to comply with the attorney recommendation and this has resulted in the loss of our money. We are beginning to suspect they have stolen our money or doing some form of illegal activities. I have exhausted all avenues other than someone with the government investigating what happened, so we are not out more money to pay our property taxes.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Contacted transunion for 9 unauthorized/incorrect hard inquiries on my credit report, representative told me he couldnt do anything until I sent in letters, ( which I did ), contact my distributors to ask for removal, ( which I did )