davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been a AAA VISA card holder since XXXX. Outstanding balances were always paid on time. In XXXX XXXX a BofA rep called me and, giving my frequent foreign travels, urged me to take a XXXX VISA card. This XXXX Card was issued the same month to me. On XXXX XXXX this year I informed XXXX that I would be traveling for one week to XXXX XXXX. They put a notice in their records. After arriving in CR I realized that both XXXX cards were refused when I tried to pay with them. I called XXXX, and after being referred to various agents who could not tell me what was wrong, the fourth agent finally told me that the accounts of both cards had been closed on XXXX XXXX and that I should have received a letter in the mail informing me about the closure. But she did say that BofA would not tell me the " Business Reasons " for the closure. Luckily my hotel accepted my XXXX Card which many merchants did not do. 
Upon my return to the US I went to a BofA Branch, I keep a checking account there with substantial balances, and they informed me that my Debit Card had also been closed. They were at a loss why this was done but then handed a copy of the letter to me which seems to be somewhere in the postal system which reads " This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the bank 's risk tolerance. '' By the way my outstanding balance on the Visa accounts to $ XXXX It also informs me that reward points associated with the account would be forfeited. 
The Branch Manager reiterated that Bank of America could not give further explanations for the closure but urged me to contact XXXX to check my Credit Rating and thus find the answer for the closure of my VISA accounts. After checking with XXXX I learned that my Credit Score is XXXX, A, as of XXXX XXXX, that there was nothing delinquent or derogatory. 
To be kind, I find BofA 's behavior bizarre, there seems little interest in good clients.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX XX/XX/XXXX with a three year ARM. XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agent 's address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the XXXX index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XXXX XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : The servicer for our rental property ( Select Portfolio Servicing ( SPS ) ) has not corrected the interest rate calculation error or responded to our CFPB dispute of their response. In addition they have not advanced their foreclosure case since their original court filing. Through our legal counsel in XXXX XXXX we submitted information required for the HAMP program even though we have never qualified for any of the HAMP programs. SPS offered us a trial modification program using an incorrect loan balance and interest rate. We are requesting that our XXXX loan balance be correctly calculated. 

Thank you for time and consideration.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Experian is reporting this inaccurate information.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Regarding Complaint # XXXX Unresolved Capital One did not resolve my issues nor did they address all of the issues. There were at least three ( 3 ) different conversations with their non-English Speaking Fraud Dept and their response does not accurately address any of these conversations. They do not even address the lies told to me by their Fraud Dept nor does their response address the fact that their Fraud Dept stated in the conversation to me that the application process was not over and they did n't know why the card was send out. 

Unresolved 1 ) They did not void the application as requested and Capital One stating that it is not possible to do so is not true. They are dishonest ... .. just as their Fraud Dept was dishonest with me. 
2 ) They did not address the initial conversation with their customer service where they insisted that the card had been used prior to me receiving it. 
3 ) They did not address the initial conversation with their customer service where they told me the card could not be used. 
4 ) They did not address the initial conversation with their customer service where they accused me of not being who I said I was. 
5 ) They did not address the conversation with their customer service where they emphatically told me ( on their recorded line ) that the application process was not completed and they do n't know why the card was sent out. Per your Fraud Dept, there was not a completed account set up. So, this application can be voided. So, who is telling the truth, your Fraud Dept or you? 
Capital One has dinged my credit, accused me of fraud and now refuses to do what is right. " VOID THE APPLICATION '' and let 's move on with life. 

XXXX XXXX XXXX
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (NY)

XX/XX/2016 I request my credit report from XXXX, XXXX, and XXXX. I noticed that there was an impermissible credit inquiry made by Diversified Consultants , Inc . Furthermore they even furnished a debt collection item to my XXXX and XXXX Credit report. On Tuesday XXXX XXXX 2016 I sent notice of intent to sue, informing the company of their violations and requested that within five days they send me documentation of an application I 've completed for services, employment or credit from their company. It is Monday XXXX XXXX, 2016 and I receive a call from a representative at Diversified Consultants , Inc. who was requesting my information before they verified who they were. I received multiple calls from this number since XX/XX/2016 and when I would answer the phone it was always dead air. I never heard representative speak except for the call they made to me today. My main concern is that I never executed any services with this company and do not know who gave them my private information. This company has captured my identity and damaged my credit standing by invasion of my protected interest and by inserting negative items on my credit reports. I intend to follow through with private right of action.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

Experian has not even tried to investigate my identity theft, I have given them the names of the fradulent accounts yet they keep sending me a letter saying I did not provide them with enough information, the other XXXX credit agencies actually investigated and removed the negative items Experian refused to investigate. Is it not the law to investigate identity theft accusations to make sure the information is accurate. Experian 's investigation department is little to non existent apparently and the FCRA has been violated.
Consumer complaint received 2016-07-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SQUARETWO FINANCIAL CORPORATION (CT)

XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX. Since this was a business debt with a different organization other than myself, XXXX XXXX, it never appeared on XXXX XXXX personal credit record. 

XXXX XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with CACH , LLC and has been paying with never a late payment the agreed upon amounts. 

CACH , LLC has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather Cach , LLC bought the debt. 

This false reporting that the debt is in collections is wrong and it is not delinquent at all with Cach , LLC
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (TX)

XXXX   XXXX   XXXX  " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.
Consumer complaint received 2016-07-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

US Bank has arbitrarily and in a apparent retaliatory manner closed by account without fault of my own or reasons. It seems highly probable that this results from me complaining terrible service provided by its branch and Branch manager. 
I would like an explanation, apology and restoration of the account ( Not because I need the bank but because of the convenience for using one of its service : XXXX XXXX ). 
I would appreciate if you could assist resolving the matter. I have contacted US Bank but I have reached an impasse where no answer or explanation is available and no resolution path is proposed. 
I am sure that you realize that a bank closing arbitrarily accounts is rather strange and exceptional. None of my other banks ( or account with other merchants ) have ever been treated this way. Considering how and when it happens it is even more suspicious that it is retaliatory despite USBank having claimed zeal at resolving the previous matter that itself was not motivated. It certainly is not a context where USBank can argue that it can chose freely who it does business with! If USBank does not appreciate that I use its service only for one of its services ( XXXX XXXX ), then it could inform me with a proposal to that effect. It has never done so. And in any case, it is a bit difficult to believe that a bank dictates what a customer should do with its services. Is this legal? Why does it matter? How does it impact in any way USBank. Again no bank have ever questions my decisions to use them to save, to pay bill to invest etc. What happens? Was this all a orchestrated effort to get rid of me as a customer? It makes no sense. 
Your assistance in solving the matter ( Ideally with account restoration ) and at least obtaining clear explanation that can be publicized and understood by all the numerous US Bank customers in the XXXX XXXX would be extremely useful! And I really think that USBank is misbehaving and that it should be exposed to the public. 
Your help is appreciated. 

The sequence of events since XXXX 2016 is in attacehd documents
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been struggling to work with SPS on keeping my home for several years now. I fell upon hard times when I lost my job of several years and could not afford my mortgage. I eventually fell behind and applied for assitance with Keep Your Home California. I was approved for this program but SPS would not accept the funds from this program and instead placed me into foreclosure. I decided to attempt a short sale but that has not turned out so well, SPS wants alot of money for my house and there is not a buyer willing to pay that much for my home. My home is in need of updating and minor repairs. I started working again and with my wife 's income I can now afford a mortgage payment. Since I have been unsuccessful with the short sale I decided to apply for a modification. I sent in all my documents and they were received by SPS. Now I am being told that due to me having a sale date that they can not work with me. The worst part is that they are unclear as to how much time is needed to review me for a modification before a sale date- I was told it was 7 days, but theyve had my package at least 10 days before my sale date and still refuse to work with me advising that their system wont allow it. I feel like this is the hardest company to work with, I have done everything they asked- I just dont want to live with having a foreclosure on my credit and I can now afford to keep my home. This treatment is very unfair I wish they would just be easy to work with but it seems like all they care about is foreclosing on good people that have come across hard times.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

My family has owned our home in XXXX for over 30 years. At this time I am retired and live in the property along with my XXXX son. I am contacting your office because I am in trouble on my mortgage loan which is with Wells Fargo, and they are moving me into foreclosure. I am afraid that I am going to lose my home and be out on the street with nowhere to go. I feel that Wells Fargo is not fairly negotiating with me ; I feel that they are denying me access to government programs that should be made available for struggling homeowners. I feel that they have made errors in their review of my financial situation and have wrongly denied assistance. I need help with this matter, I ca n't seem to make any progress with Wells Fargo and I do not want to lose my home. 
I first began struggling with my mortgage payment in XX/XX/2013 due to the overwhelming costs associated with my son 's XXXX and began the process of attempting to get assistance from Wells Fargo. It took literally over a year of back and forth with their agents to actually get a review conducted. During this long period my delinquent amount continued to increase, putting me into an even more difficult position. When the review was conducted I was just entering into retirement and I do n't believe that they took into account all sources of income. I receive SSI, a pension, and also money from the government for my son 's XXXX. I believe that if Wells Fargo were to properly calculate these income sources and to work with me in a fair manner, a resolution could be drafted that would be beneficial to all parties. I know that Wells Fargo received billions of dollars in bail out money, and I know that Wells Fargo has been reporting record profits, even as their employees open fake bank accounts in order to maximize profit. I would like Wells Fargo to show some compassion towards my family, and the home we have owned for nearly 35 years. I paid this loan on time for years, they have collected thousands of dollars in interest from me and this is a problem that can be resolved if Wells Fargo would take the time to conduct a fair review of the current and correct financial information. 
I feel that Wells Fargo is more interested in moving me into foreclosure instead of attempting to resolve this matter. A foreclosure would be devastating. If this can be avoided, why is Wells Fargo making things so difficult? I believe if Wells were to conduct a proper review that we would be able to work things out.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I opened a joint account with my husband over 15 years ago with Bank of America. Subsequently, I developed a  XXXX  that makes it very painful for me to use a voice telephone. As I am not deaf or speech impaired, I do not have a relay service nor equipment to use one. Further, use of a relay service compromises privacy in unacceptable ways. I have previously complained here regarding BoA 's chat portal, where they first said they could n't help me because it " was n't secure, '' then backtracked on that and found other excuses not to use the portal for assistance.     Despite my opening the account, my husband was listed as primary cardholder, a fact I was not aware of until I tried to get information on transactions several years ago. I attempted to resolve this through use of online chat, but was unsuccessful as BoA refused to discuss the matter or afford solutions using a medium I could communicate with. I requested they escalate to their general counsel and/or  XXXX  coordinator, but nothing ever happened.     This week, I attempted to bring my credit card feed into my accounting program. I found myself unable to either view the credit card information online, or bring over the feed, likely due to not being the primary cardholder despite my opening the account. As BoA now advertised help via  XXXX , I tried that and asked how I could get help either via chat, email, fax,  XXXX ,  XXXX , or any other online means.     Unfortunately, the person answering my query on  XXXX  said BoA had taken down chat, and help would not be available using any of those means. My only recourse is to physically go to a branch. My  XXXX  makes it difficult for me to go to a branch, my work from home job usually encompasses the hours most branches are open, and I feel I should not be penalized for having a  XXXX  by a company that offers its services to the general public.     I fully expect Bank of America to treat  XXXX  customers with the same level of customer service afforded to other customers. This is, indeed, the law. They refuse to offer me any type of reasonable accommodation whatsoever.
Consumer complaint received 2016-07-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I have been trying to get a copy of my modification agreement that spells out the terms of my modification and future interest rates since XXXX XXXX, 2016. I have made several attempts to Rushmore Mortgage by fax and email and still have n't received.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OR)

I have tried twice on Experian 's website and then once on free credit report.com to get my credit info. Their site comes back that they can not provide the info with my information. I ca n't get ahold of them to figure out the issue. Thanks, XXXX
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NJ)

been with discover 20 plus years good customer i have no doubt they will respond with a script. they have putnotes on all my accounts essentially disbaling me from getting any help on any of them or interest refunds. Racial profiling of sorts. i will not put up with it. i tried to see if apayment was scheduled on XXXX and to handle the ending offer. so i can avoid interest. i called at XXXX friday XX/XX/XXXX was told to be transferred to XXXX that i could get no help in CS cust service. that is not a way to treat anyone. i cant do business here, wont. but i certainly wont go without knowing if a payment is scheduled or how i can avoid itnerest next weeki will not put up with this. will not. i have no answers. but am being discimrinated against. no customer should have to only deal with one person for issues. not sure who why or when people put notes on my accounts i want them. asap. i was told by one supervisor he would remove them but they are there. so i am done with disocver and just want to know how i can avoid itnerest on XXXX and if a payment was shceduled if i get a late response i will pay nothing. how DARE you treat me this way? XXXX XXXX. if you dont like that i ask for interest bar me from using them. this is no way to treat anyone. no other bank has before. In fact i have reported this conduct here.
Consumer complaint received 2016-08-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 there were a number of fraudulent ATM withdrawals made from my account. A police report was filed. I disputed the charges with the bank but after asking for no paperwork or documentation they rejected the claim and now my account has a negative balance.
Consumer complaint received 2016-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Designed Receivable Solutions, Inc. (GA)

This is an outstanding account with a debt collector who bought this debt with XXXX Hospital. I contacted XXXX Hospital on my own to find out about this debt. I also told them that I was a victim of ID Theft and that my wallet was lost in the past with all of my personal information in it. XXXX Hospital went over the bill with me on a date of service that I was not familiar with. XXXX at XXXX Hospital stated that they no longer have the debt and that it was sold to the company that I am making a complaint to.
Consumer complaint received 2016-08-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MILLENNIUM FINANCIAL GROUP, L.L.C. (MI)

This is a scavenger who bought a bad debt. Original creditor XXXX sold loan to XXXX. Both accounts were closed in XXXX. Michigan statue of limitations for this type of loan reporting is six years. 
The original and secondary loan holders have been removed from reporting agencies. 
Millienium obtained this information in XXXX. This is not a valid debt, and needs to be removed immediately.