davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

I opened this loan in  XXXX  2014 under car finance which sold to now flagship credit, during the whole course of my loan at an interest rate of 14 % the balance never goes down I have asked for an itemized statement on many occasions and the statement continues to be deceptive with what they see to decide at the time to post to principle on my last payment I paid   XXXX   I asked on the check to apply all to priniciple and instead my statement said interest I am now behind on the loan because despite trying to resolve my payments of  XXXX  to pay off the car I can not get an answer, As of recent I called on four occasions and no one returns my call I finally got a   XXXX   on the line yesterday she has now stated the car is out for repossession I said this is ridiculous I left several messages to get this account resolved she then stated if I paid   XXXX   it would bring the loan current and prevent charge off but it is out for repossession so you could still lose the car I said after almost three years of payments of  XXXX  over 13k my balance is only down  XXXX ? she then says call me back by end of day, that was yesterday the  XXXX  I call back and get a gentlemen telling him I would be able to come up with the money he said LOOK   XXXX   THAT IS NOT HOW IT WORKS HERE I said excuse me   XXXX   said that was what we were working with I said please have her call me So she finally calls me around   XXXX   XXXX   XXXX   and I am with a client I told her I was going to pay the loan  XXXX  but needed till wednsday  XX/XX/XXXX  she said hmmmm that could be to late. I then get an abusive call at  XXXX  from  XXXX  ( repo ) he left me a message said the bank just wants the car back no payments from you. I call  XXXX  this morning  XX/XX/XXXX and they tell me no one by that name works there What do I do? They are taking my pmnts and pocketing all the money not reducing the loan and now threatening my car to be taken away by strong arming me after hours The account number is you can  XXXX
Consumer complaint received 2016-06-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I get a credit card secure from bank of america 8 years a go since that time bank of america denie go give me back the {$500.00}. Of the secure deposit. 
I contacted bank of america and for 6 months they still give me the same answer " bank of america give me a credit card of {$700.00} credit line '' that totally false. I never recive that amount of credit line. 
After one year past i finish the payments of the credit card secure and applied for the credit card and that credit was denied. 
I only need my money back.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (WA)

Credit Collection XXXX informed me that I owe XXXX XXXX XXXX {$210.00}, but in my communication with XXXX XXXX, I do not owe them because I already settled and closed the account, and also the account is already under a different name and a different address and that person is the one who have an unpaid balance in the amount of {$110.00}. I emailed and fax them to let them know about it and explain to me why they think I owe XXXX XXXX, but I do not receive any answer from them, and probably they are the one who always call me and put me on hold every time I answer the call ( XXXX )
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After approving our loan and having us remove contingencies on our purchase Bank of America XXXX XXXX branch reversed their decision based on a condition that they had not mentioned at any time during the 2 months that the preapproval process took. During that time we incurred financial expenses that we are requesting the bank to compensate us for. These expenses include the non refundable escrow deposit, the property appraisal and travel costs. Note that we are respected clients of BOA since 25 years.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (NC)

I have a " debt '' from a previous employer that i worked for in  XXXX . It was a   XXXX   doctor. The  XXXX  doctor gave all the employees free vision screenings etcs. I bought a pair of prescription sun glasses. It was to come out of my payroll check. I ended up changimg jobs shortly after because I found a better job. The office manager asked if she could keep my last check to pay for the frames. I agreed. NEVER receiving my last check, i assumed all was fine with the presciption glasses. Apparently not. I have disputed and disputed this debt for years. I never once signed anything stating I would be liable for anything better yet something i paid for in full. In   XXXX   XXXX  , i contacted the collection agency to explain what was going on. They did n't care. I explained what was the total of the glasses which was {$210.00} at the time, compared to what they said I owed which is {$470.00}. It 's not right. Its illegal what my past employer did and for the collection agencys doing. This is killing my credit score and its stopping me from pursuing goals that I wanted to meet. Please help. Thank you!
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2016 I received a refund check from my insurance company, XXXX. When I called them, they told me that my home owner 's policy had been canceled. A new policy had been issued, but was not paid for. 
I went to a local Bank Of America office on XX/XX/2016, from whom I have my mortgage. They repeatedly told me that BoA could not have canceled the policy. They also told me they had paid for the policy, twice, in XX/XX/XXXX. After much repetition, BoA acknowledged that they had altered my policy without my permission, to change the deductible for wind damage from XXXX % to XXXX %. They also reduced my coverage for personal property loss. 
According to XXXX, BoA called at least 4 times from XXXX XXXX. There were no specific notes on any of these calls. The cancellation and reissue were handled at the XXXX office, not my agent, but the policy was given a new agency code, still with my previous agent XXXX XXXX XXXX of XXXX, DE. 
I believe that neither party should have altered my policy ( paid for with my money ) without my knowledge and approval. No one can explain why they were able to or justified in doing so. 
I am enclosing a copy of the new policy, which I received only because I asked for it today, which includes the details of the agent, the issuer, and the mortgage holder. 
I wish both parties to refrain from altering my policy without my knowledge and permission.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

two weeks ago, I applied for an XXXX card -which comes with several perks I 'm interested in- while I was making a purchase of a flight using XXXX website XXXX I filled out the application and in a few minutes I got the positive response saying I would get their card, but when I received the card a few days later, it was n't their Visa Signature, but a Platinum Plus card which does n't carry the perks I wanted. XXXX cards have an annual fee XXXX XXXX XXXX is {$75.00} and the Platinum Plus {$50.00}. I did n't mind paying the {$75.00} for the card I wanted. There is not a single sign during the application warning us, the applicants, that if we did n't qualify for the XXXX would be issued. These are the XXXX lines on the bottom part of the first screen of the invitation which are not a warning : The benefits above apply to XXXX XXXX accounts only and different benefits apply to XXXX accounts. Card type is determined by creditworthiness. So, I immediately called Bank of America which is the credit card issuing bank. I told them, I applied for the XXXX XXXX not for the XXXX absence of perks. The bank representative asked me if I filled out the application correctly due to the fact that they had had similar situation with other customers. She said that if I wanted I should apply again because some customers had done that and they get the XXXX XXXX in the second try. So, while I was on the phone I applied again and my application was declined. I told the representative the results and I also told her I wanted to close the XXXX card. I also told her they had to cancel the XXXX fee they already had charged to that card. I asked her how all this situation would affect my credit record and she said that it would n't for they will report how things happened. She said it would n't hut for me to write to you here to let you know of the situation to leave a record of it.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC (KY)

This loan originated in 1987 and was originally with XXXX XXXX Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

per Equifax I have spoke with a agent snow and a supervisor by the name XXXX on XXXX/XXXX/XXXX around XXXX we spoke clearly of a account XXXX which is labeled to be XXXX this XXXX has appeared on my credit years back maybe XXXX perhaps in which i called them directly and they removed it off and Equifax also sent me a letter in the mail that I no longer have stating that this item has been removed. XXXX stated that she was going to put me in a system to block that information due to the information that I had provided to her with my story of what happened. I called yesterday XXXX/XXXX/XXXX and I was told by an agent that she received my police report I have filed through the XXXX department and I asked about the XXXX item and she stated it is in dispute not removed. XXXX stated it would be moved in XXXX72 hours why was n't it removed. if she would have said it would be a dispute than I know it could take up to 30 days but she clearly stated it should n't be there and she will get it removed. all the agents said they cant do anything cant even find XXXX. Equifax is getting my information or if they are a fraud company who works for the creditors I sent in mail letters, identification etc they have n't received that information this was last month on XXXX/XXXX/XXXX and up till this day of XXXX/XXXX/XXXX they still do n't have it what is really going on. per section XXXX in the Fair Credit Reporting Act if a person is a victim of identity theft with proven documents the bureau has four days to investigate to remove or block fraudulent or negative information. I have waited past 30 days prior to the police report filing I called multiple times asking for help and answers im always getting miss information and the run around. I 've been working with the sheriff department to dispute and get help during this hard time but Equifax does not care that I 've been a victim nor do they care of me providing the correct documentation their job is to blame someone it seems. I 've waited long enough and I want results there should n't be an excuse for this this is a major bureau company and its unacceptable. they provided me with multiple case numbers some for my name in which I never called in about I sent my id etc.. at this point this company is all lies and does n't do what needs to be done to help a victim of identity theft. In a bad time like this they try to sell me products instead of holding back knowing im a victim of identity theft its all about the money I feel that is very rude and not professional. Agents all the way to the management are just selling products vs helping you with what is truly going on.
Consumer complaint received 2016-06-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XXXX XXXX, I was discharged from a bankruptcy. I had paid throughout the bankruptcy my 1st mortgage and HELOC with Bank of America. During the bankruptcy I received statements on XXXX mortgage, but not on HELOC. Even after the discharge, statements never resumed. I was never notified and even to this date notified of how much my payments are, the due date and any delinquency. I never received any type of information regarding my status on this account. In XXXX XXXX, I received an Intent to Accelerate Payments. At this time I contacted the bank and inquired about modification. I recently was serviced foreclosure papers XXXX XXXX. This is the first contact I have received from Bank of America since XXXX XXXX regarding status. Bank of America has been in violation and noncompliance of Periodic statement ( XXXX ). I inquired to representatives about why I was never provided with earlier notification and was told that if I do n't make a payment - I do n't get a statement. How do I know that the status of my account if there is not communication with Bank of America. I initiate a modification assessment and have been mislead by Loan Modification department by representatives, who would tell me to hold on and not do anything. i trust them, as they are the experts. I am now finding myself in situation where I could lose my home. I was never given any notice on status of account or provided with any statements. How can I pay on an account if I have no notification, information on who to contact or even a number. My compliant is Bank of America has violated XXXX XXXX XXXX XXXX XXXX that was in affect XXXX XXXX
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NH)

I am behind in my mortgage and learned from a letter from Citifinancial in XXXX that my home was to be auctioned XXXX XXXX. The phone number on the letter resulted in two days of calling and being transferred to at least XXXX different numbers to try to find someone who could give me information on my home and my loan and an amount to pay to stop the auction. I work out of state. My children are grown or away at school and we only get to come home once a month on weekends. I was informed in XXXX 2016, the amount I would need to pay before the XXXX of XXXX 2016 was {$36000.00}. Unfortunately my husband was hospitalized XXXX XXXX. I was able to make the wire transfer on Monday, XXXX XXXX as soon as local branch opened at XXXX. I was told by my bank that Citifinancial should receive the money by XXXX. Of course they did not post the funds to my account but I did call Citifinancial 's Massachusetts XXXX on Tuesday to inform him that I had made a wire transfer for an amount to reinstate the loan. He was kind and offered to send a message from his side to inquire about the receipt of the money. Apparently my auction date is XXXX XXXX, and not XXXX XXXX as stated in the letter I had received! Later in the afternoon, I received a call from a Citifinancial rep that they had received my wire transfer but that the amount was not sufficient to reinstate the loan. I was told I had to pay {$2600.00}. immediately. ( a monthly payment ). I do not have this amount to pay and will not have this amount to pay until the end of the month. Meanwhile, I am receiving so far XXXX3 calls a day about this amount and I have also received a call from a Citifinancial rep identifying herself as a supervisor and insisting that the money sent to Citifinancial would be returned and the auction proceed unless I made the payment immediately. 

Please note, I have not been served any papers about auction or foreclosure. I have noticed that my home has been listed on real estate websites for about 160 days as preforeclosure and auction. I am desperately trying to keep my family home. I will be able to continue with the monthly payments, I just can not make double payments.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Consumer complaint received 2016-06-16
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (CA)

On XXXX I transferred money over the internet using my credit via Western Union ( WU ). 
The recipient 's destination country was the XXXX of XXXX and XXXX XXXX XXXX XXXX. Total transfer was XXXX {$300.00} and the related transfer fee was XXXX {$8.00}. 
Today, XXXX ( less than 2 months later ), I attempted to repeat the transaction. The associated fee is now XXXX {$27.00} ( almost a 400 % increase. ) I reached out to customer service ( CS ). While on hold the hold-music reiterated the {$8.00} fee for XXXX, XXXX XXXX and the XXXX. Various agents in CS referred me to Corporate Headquarters ( XXXX XXXX ) who is checking XXXX. 
Unfortunately, WU may be providing false advertising and manipulating prices unfairly. Can you check into this and advise? 
Thanks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX m : XXXX
Consumer complaint received 2016-06-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have been paying on a debt that Portfolio Recovery said that I owed I have asked for confirmation of the debt. I have been paying for 8 months and they have still not provided me with proof of the debt. I know XXXX credit card only had a credit limit of XXXX and by the time I finish paying for the 12 months I will have paid more. I live on a limited income and this month it will be hard to pay and they threaten to make me pay more. They are also trying to collect on a XXXX card which they again have not sent proof. I have been holding up to my agreement and they have not held up their part by sending proof. They have only harassed me and threaten legal action. XXXX credit card is for XXXX which I have been paying last 8 months and only had a credit limit of XXXX. The other card is a XXXX XXXX which I have been paying {$150.00} a month for by the time I am done will be almost {$2000.00}. Then they are saying there is another XXXX XXXX credit card which they are saying is around {$3000.00} I never had a card with that big of a limit. None of these cards have they sent me any proof of what is owed and paying this is becoming financially difficult and I believe I should have proof.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Consumer filed a complaint with CFPB about Transunion 's ongoing reporting from XXXX. Since there is an investigation and that Transunion stated to CFPB that it would take 60 days to investigate, this investigation is hindering my access to my credit report. Just Monday, XXXX XXXX, 2016, I tried disputing an illegal entry from another creditor, and could not get assistance. I was transferred five times because other reps did not have access to my file. I ended up leaving a message on a voice mail with SS #, phone number, and name. Someone did call back and kept asking " did you call for XXXX, '' giggling, and kept mispronouncing the creditor I was disputing. The phone rep stated that she had removed the illegal entry, but kept inquiring about XXXX. Consumer discovered that the Transunion Priority Desk rep had given me an incorrect balance that was reporting from the creditor, so I called back and left another voice mail message with SS # and phone number because I was not sure the illegal item was deleted. Consumer is trying to close on a mortgage loan, and this weird stuff keeps popping up on my Transunion credit report. 
That same day, the mortgage lender, e-mailed me that XXXX ( that had been reporting paying as agreed, though with a bogus balance ) was reporting a charge off. Another XXXX illegal reporting tactic that has been going on for a year. For two days, consumer has not been able to reach this Transunion Priority Desk to dispute this item. Consumer, also, received XXXX credit reports from Transunion, today, dated XXXX XXXX, 2016, that I did not order.