davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

Rushmore Loan Management Services is refusing to participate in a Short Sale proceeding with no explanation as to why. 
They originally denied the offer and gave an amount. The amount was met and still they waiting months to deny the offer with NO further explanation. 
The contact at Rushmore ( XXXX XXXX ) stated that the investor has refused to go any further with negotiations and no additional contact has been made except more generic denial letters and offer to take the home in a deed in lieu or other programs. I do not trust that any of the programs they offer actually work for the consumer as they are not answering calls or giving any explanations once they give a flat out NO. 
I can not afford this mortgage anymore and have a buyer willing to negotiate and did increase to the demand for the amount Rushmore stated. Once they got the offer they refused to go any further and now my house may foreclose. Which appears to be their goal.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OK)

When attempting to post additional payments to this account to reduce the amount of interest paid to Wells Fargo Dealer Services I was told that loan payments are always taken care of first. This includes interest to the loan that was not earned yet. Additionally it will not deter interest for the amount paid ahead until you are three payments ahead. 
I have called and spoken to Wells Fargo 's customer service department on more than one occasion including escalation to a supervisor and I was told that this is policy. 
I am including a screenshot of the web page that told me I had to pay three payments ahead before they start applying payments to principal only! 
Thank you for your help in this matter!
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (LA)

It is my understanding that when a federal holidays falls on a friday that transactions should post on the business day. Having said that, Chase charged me an NSF fee on friday XXXX XXXX, when banks were observing Veterans Day, which should have allowed all my transactions to come through over the weekend and should have all posted officially on Monday, XXXX XXXX. I opted for the overdraft protection in the past, so normally i would make a deposit before the end of the business day to cover my balances and transactions, so to my surprise i found i was charged a fee of {$34.00} on XXXX XXXX, which is when the banks were observing XXXX day. I contacted Chase and they refused to assist me and actually stated they have internal policies and chose to observe XXXX XXXX on Saturday alone and that they would not help me. Please help me resolve this issue since this really is an unfair practice for them to charge fees on extended weekends when all other banks gave their customers the proper procedures and opportunities to bring their accounts current. I should not have been given this fee based on the fact that it posted on a long federal holiday weekend and transactions should have posted on Monday, like all banks did. Thank you!
Consumer complaint received 2017-11-15
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. (MD)

On XXXX XXXX, XXXX, I provided a " qualified endorsement '' negotiable instrument to my lender XXXX to pay for my mortgage in full in the amount of {$110000.00}. Since then they have demanded additional payments from me each month. The last statement I received they demanded {$3200.00}. Attached is proof of payment in full for my mortgage made on XXXX XXXX, XXXX. They are committing fraud and using the credit reporting agencies to assist. They even threaten to foreclose on my if I do n't pay them additional money.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (CA)

I filed an original complaint against XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX regarding a wrong reporting 30 day late pay on the credit card account complaint number XXXX. ( I have also attached the email confirmation for this ) On XX/XX/XXXX I was emailed by CFPB stating that my complaint will be referred over to the Federal Reserve ( I have also attached that email ) On XX/XX/XXXX I received an email ( attached ) from the Federal Reserve stating that they received my complaint from the CFPB and that it can take up to 60 days to resolve. Fast forward to XX/XX/XXXX I received an email from XXXX XXXX from the Federal Reserve stating that the investigation of my complaint has been completed. ( attached email / Letter of result " I highlighted the key words here '' ) on the letter dated XX/XX/XXXX XXXX XXXX told the Federal Reserve that they are reporting my account closed across all 3 credit bureaus. ( which I highlighted in attachment ) This is false and it continues to report open. I advsd XXXX of this and she proceeded to ask me why the bank returned the payment which I responded why ( all attached ) and she never addressed the fact that the account was still reporting open. I gave it some time so fast forward to XX/XX/XXXX I emailed XXXX advising her that XXXX XXXX was still reporting my account OPEN on my credit report ( email attached ) so she can see the company was lying and not reporting correctly. She did n't respond to the email but she did call me about a week or so later advising me to give it some time to update ( at this point it was 43 days since the Federal Reserve later stated the account should be showing closed ) Im aware it can take 30-45 days to update a report sometimes even 60 days, so I waited. 60 days would be XX/XX/XXXX. Fast forward to XX/XX/XXXX I checked my credit report ( attached ) and as of todays date the account is STILL showing open. I emailed XXXX to update her. But I have also attached all correspondence. At this point I just want this account REMOVED for reporting incorrectly. Per the FCRA any inaccurate information reporting MUST be deleted. They continue to report when I no longer have business with them and they themselves said the account should be closed.
Consumer complaint received 2017-11-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I would like to report Mortgage Fraud. We closed a loan on a refinance with XXXX XXXX in XXXX XXXX they paid our property taxes for XXXX upfront and then the previous mortgage company had also paid the property taxes as well. This caused an overpayment for property tax which was refunded by the county Commisioner 's office in XXXX, GA. The refund was sent back to closing officer in the amount of {$1900.00}. The closing officer stated he was instructed by XXXX XXXX to return the refund to them. XXXX XXXX ( XXXX ) stated that they then sent the refund of {$1900.00} over to RoundPoint Mortage around XXXX XXXX. Roundpoint then took refund for Property taxes and placed it in a suspense account instead of returning it to the homeowner because taxes were already paid in full. Then Roundpoint decided to just take {$600.00} of the property tax refund and apply it to principle mortgage and there has been no accountability of the remainder. {$1300.00} is still unaccounted for according to XXXX at XXXX XXXX XXXX. As a result the mortgage was then transferred over to XXXX and with a deficit in escrow it has now caused me injury where my escrow account was short and they advanced monies to pay property tax which led my house payment to be increased over XXXX a month for not having enough in escrow. Where is the refund? As far as I am concern this is theft by mortgage company. You can speak to me or my wife in reference to this incident. I 'm a veteran and this is a disgrace how they do what they want with your hard earn money. Some of these banks are out of control and taking advantage of the average citizen. Please help. Thanks.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MN)

In XXXX 2006, I took out a XXXX fixed rate mortgage @ 7 % upon getting divorced and having to refinance. That loan was sold to Ocwen Loan Servicing company. I have never missed a payment but was trapped in this mortgage due to the housing market collapse, and resulting loss of equity and inability to refinance. Ocwen did not offer any options and it was impossible to get a real person to answer the phone. I eventually noticed that my principle did not seem to be declining at a rate that I expected, and asked for an amortization schedule. They finally provided this after many months, but he schedule showed that the loan would have a {$200000.00} balance after 30 years of payments. When I tried to contact them about something being wrong with the mortgage principle pay down, I never received any response. 

I am currently trying to sell my house. After over 11 years of payments, they show on my statement that I still have a XXXX principle balanceI checked several amortization calculators, and they all indicate that o should have closer to {$350000.00} principle balance. I called them today but could not get to talk to a real person about this. The person I did get in touch with said that I had to write this all up and fax it to a number! I dont have access to a fax! I will have to write it up and go to a XXXX office or something. Plus, they said it would take 10 days or more, an do have no confidence they will even respond in that time frame, and I have an offer on the table for my house, which I need to decide upon based on the payout.
Consumer complaint received 2017-11-14
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: Experian Information Solutions Inc. (TX)

I pulled my Credit Report and found XXXX/XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XXXX XXXX, XXXX I wrote XXXX/XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX/XXXX received the certified letter on the date of XXXX XXXX, XXXX. 
XXXX/XXXX responded on the date of XXXX XXXX, XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, Experian, XXXX, XXXX and XXXX. And further state that they can not delete or modify the status as it reported. 
XXXX/XXXX sent another letter in response to the first letter. XXXX/XXXX  also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. 
XXXX/XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XXXX XXXX, XXXX I wrote another certified letter to XXXX/XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX/XXXX received the second certified letter on the date of XXXX XXXX, XXXX I never received a response to the second certified letter. 
On XXXX XXXX, XXXX I pulled my credit report to find out if XXXX/XXXX had marked my credit report as disputed. And found that XXXX/XXXX had not marked my file as disputed, and as to this day of XXXX XXXX, XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX/XXXX  on that date of XXXX XXXX, XXXX notifying XXXX/XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XXXX XXXX, XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX/XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XXXX XXXX, XXXX And yet again XXXX/XXXX has failed to respond to the certified letters I have sent to them.
Consumer complaint received 2017-11-14
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)

I pulled my Credit Report and found XXXX/XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XX/XX/XXXX I wrote XXXX/XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX/XXXX received the certified letter on the date of XX/XX/XXXX. 
XXXX/XXXX responded on the date of XX/XX/XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX, Equifax, XXXX and XXXX. And further state that they can not delete or modify the status as it reported. 
XXXX/XXXX sent another letter in response to the first letter. XXXX/XXXX  also states that the account in question was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX/XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XX/XX/XXXX I wrote another certified letter to XXXX/XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX/XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 
OnXX/XX/XXXX I pulled my credit report to find out if XXXX/XXXX had marked my credit report as disputed. And found that XXXX/XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX/XXXX on that date ofXX/XX/XXXX notifying XXXX/XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by XXXX law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for onXX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX/XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX/XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX/XXXX has failed to respond to the certified letters I have sent to them.
Consumer complaint received 2017-11-14
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. (TX)

I pulled my Credit Report and found XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XX/XX/XXXX I wrote XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX received the certified letter on the date of XX/XX/XXXX. 
XXXX responded on the date of XX/XX/XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX, XXXX, XXXX and TransUnion. And further state that they can not delete or modify the status as it reported. 
XXXX sent another letter in response to the first letter. XXXX also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. 
XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XX/XX/XXXX I wrote another certified letter to XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 
On XX/XX/XXXX I pulled my credit report to find out if XXXX had marked my credit report as disputed. And found that XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX on that date of XX/XX/XXXX notifying XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX has failed to respond to the certified letters I have sent to them.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

My XXXX year old son has been receiving credit card offers from Capital One for the past four months. I called in XX/XX/XXXXto report it when it first happened and was told that his information would be deleted from their database. 

I then received, yet another one in XX/XX/XXXX. I commented about it on their XXXX page that my son kept being solicited, despite them assuring me that they would be removing his personal information from their database. 

Then it happened, yet again, at the end of XX/XX/XXXX. I contacted them, yet again, on social media. They wanted a photo of it and I sent it, again. They told me, again, that the information would be removed. 

Today, XX/XX/XXXX, he received another credit card offer. I made another negative comment about it on social media and received another stupid response via XXXX asking if it was for a car loan?! 

EVERY SINGLE ONE OF THE CUSTOMER SERVICE REPS STATED THAT THEY " REMOVED HIS INFORMATION '' BUT ( CLEARLY ) THEY WERE ALL WAS A LYING. 

I honestly do n't even know how they got my minor child 's personal information but I want it deleted, NOW. What else am I supposed to do to have them stop sending him credit card solicitations? The kid is XXXX!! 

How did they even get his information??!! And why ca n't they remove it since he is a minor and I am requesting it over and over and over and over again?
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Car dealership ran my credit for a car loan several times on XX/XX/XXXX to 9 different creditors. Now Credit reporting agency are reporting a high inquires when its only supposed to be reporting as one since the credit was ran within a 30 day period. I also ran my credit on XX/XX/XXXX for a car loan too
Consumer complaint received 2017-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Utah System of Higher Education (AZ)

In the summer 2016 XXXX XXXX closed it 's doors while I was going to school. I had gotten student loans from XXXX XXXX and was told because the school closed those loans would be discharged. I followed XXXX XXXX 's instruction and was denied. They told me i was denied because the loans were in use with another school, XXXX XXXX XXXX XXXX, the school I go to now. However, because XXXX lost its accreditation no school i found will take XXXX credits including XXXX. They first claimed the loans were knew and only for XXXX however I got the loans three months before I even enrolled in XXXX. They said they made a mistake and told me to resubmit my paperwork and they 'll take care of it. Something I sent along with my forms were documents from XXXX that they did not receive XXXX transcripts and if they did n't they would n't be able to use them because of loss of accreditation. This was about 4 months ago and I still have heard nothing from XXXX XXXX and after checking my account the balance is still there. This process has been nearly a year. I feel like I 'm being scammed by XXXX XXXX, should this take this long.