davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

HSBC has been holding me hostage over my mortgage since XX/XX/2008. I have been approved for over XXXX loan modifications since 2008, however, after each approval, HSBC fails to send me the modification documents and approvals, and continues to solicit me for other loan modifications, when there is a court order on file with XXXX County, SC, stating that HSBC is not allowed to contact me directly. More Recently, HSBC defense council, XXXX XXXX, has promised my attorney and I that she will expedite my loan modification. see attached letter. It has been two years, and XXXX XXXX has never responded to me or my attorney. HSBC continues to ignore me and my attorneys requests and we do not know how to proceed. I need to get out of this house and get out of this loan so I can move my life forward. HSBC has effectively ruined my life and my credit for the last 8 years. Can you help them to contact me or my attorney? Can you please sanction XXXX XXXX or report her to the bar association for her complete failure to do anything in my case? I am going to provide the proof I have been approved for a loan modification, and the proof that XXXX XXXX has done nothing to help the situation.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KS)

My personal information was stolen during a break in on XXXX XXXX, XXXX. I have a police report and my ssn, id, and birth certificate was taken. This is not my inquiry and it is fraudulent and needs to be removed. XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX,
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

I have been trying since XXXX 2016 to get a " short sale '' approval from Chase Mortgage. There is a XXXX mortgage along with a line of credit. The offer for our home is enough to pay off the XXXX mortgage with the remaining monies going to the line of credit. My attorney keeps getting delay after delay from Chase. We have submitted all that the bank has asked for, sometimes two and three times. The potential buyer is getting very frustrated with us asking for continuation of the settlement date month after month. Chase has ruined my credit rating as well as forcing me to pay condo fees, double utility bills, double insurance bills, along with rent. Through my attorney, Chase has been made aware that I have recently lost my business due to poor health so all the extra bills get paid with the little savings we have left. Now that my attorney can not get past these roadblocks or delays, I am turning to CFPB for help.
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

I was twice charged {$34.00} for overdrafts that were less than {$10.00}, so for over drafting {$18.00}, I was charged {$68.00}. Chase Bank would not waive the fees because they had given me a courtesy credit within the past year. This is outragegous. I understand from XXXX 's book The Unbanking of America that banks make a lot of their money charging people who can least afford it exhorbinant fees.
Consumer complaint received 2015-08-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a bank of america checking account which I closed today. Lately they 've been charging overdraft fees BEFORE I overdraw the account. If the account gets under {$7.00} Bank of America with initiate an Overdraft Transfer and then charge a {$10.00} fee on top of that. I 've had BofA for years and this is the most recent scam of theirs to get extra money. I 've spoken to BofA XXXX times in the past month and I got reimbursed the XXXX XXXX times with the most recent incident earlier today resulting in me closing the account. The CSR said that BofA is " assuming '' that I will overdraw and to prevent that from happening they initiate a tranfser. My ending balance on XXXX XXXX, 2015 was {$5.00}, the following morning BofA inititates a transfer to keep my from overdrawing before I overdraw the account?! It 's bad enough they 're charging me {$2.00} for even looking at my balance on an out of network ATM but this is just so underhanded and sneaky. I still have a savings with them but I may close that soon. This is n't how overdraft works you charge me when I overdraft not before when you think I might especially when there were no pending transactions at the time of the overdraft transfer. This is the second time I 've closed a checking account with BofA because of their practices. I have XXXX other checking accounts which I use more frequently and I 've never had these problems with those XXXX other accounts. They try to justify the charges by saying that by the end of XXXX XXXX, 2015 I would 've overdrawn. I knew my account my close to {$0.00} which is why I checked the balance and because of the BofA inititated transfer of {$14.00} my account was still positive. Had that transfer not been inititated by BofA I would 've seen that my account was close to {$0.00} and initiated the transfer myself. Not once did my account drop below XXXX NOT ONCE. They charged me a fee and transferred funds all while the account was positive, way to nickel and dime your customer.
Consumer complaint received 2017-02-15
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONWIDE EQUITIES CORP (PA)

Nationwide Equities based out of NJ have been false advertising on Reverse mortgages. Nationwide has been sending homeowners solicitation through the mail to look like its a check and it says you have been approved for x amount of dollars. These are all homeowners that already have a reverse mortgage. I have had several clients of mine when I worked for Nationwide Equities that have read to me over the telephone what the check says of the solicitation. Most of all the mailers are coming out of XXXX XXXX office in XXXX Md. They print all the letters from that location. I have a list of about XXXX names that they have sent mailers too. I reported this along with another situation I came across when I was working at Nationwide Equities which XXXX and the FBI are working with me and my attorneys in NJ. Here is my incident number when I reported to the CFPB back on XXXX XXXX but got no response. I also have some information on kickbacks that certain employess are getting from using one title company who they forced me to use when I was employed by Nationwide Equities. My incident number is XXXX. My name is XXXX XXXX and my phone number is XXXX. My next call is going to be to XXXX XXXX at XXXX or XXXX XXXX XXXX. They have mailed out over XXXX false advertising fake checks for the last 14 months and are continuing to do this fraudulent activity still today on XXXX/XXXX/2017.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (AZ)

BRCLYSBANKDE XXXX : XXXX XXXX, XXXX  - Bank did a hard credit check on my account. I don't even know who they are or where they are located.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX XXXX XXXX I requested from XXXX TO SEND ME PROOF OF PAYMENT DATE FOR A BILL PAY XXXXXXXX XXXX XXXX. THE EXACT DATE XXXX RECEIVED PAYMENT FROM TD BANK. 
SPOKE TO SUPERVISORS XXXX, XXXX, AND XXXX AND THEY CLAIM THEY USE A THIRD PARTY TO.GENERATE MY REQUEST. TD BANK SAID THEY DO NOT KNOW WHERE MY REQUEST DOCUMENTS ARE. THEY HAVE NO ANSWERS. THEY OBSOLVE THEMSELVES FROM OBTAINING THESE REQUESTED DOCUMENTS AND BLAME THEIR THIRD PARTY FOR THE DELAY AND NO ANSWERS AS TO WHEN THIS REQUEST WILL BE PROCESSED AND SENT TO ME VIA ONLINE BANKING OR VIA HARD COPY VIA USPS.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (CO)

I tried to purchase some items with my XXXX that is through Comenity Capital Bank. I was approved in store at XXXX with the highest interest rate of XXXX % due to my credit worthiness, I made a purchase and paid off the balance long before the due date. I had made some more purchases at the store not more than 2 or 3 weeks later and was under the assumption that my credit card was in good standing. Then I get a letter in the mail from Comenity Capital Bank on XX/XX/2017 telling me that I did not qualify for a lower interest rate on my account but they were excited to serve me as an XXXX card member. This letter is dated XX/XX/2017 and they had pulled my credit score on XX/XX/XXXX from Equifax with a score of XXXX. I tried to use my card on XX/XX/2017 at XXXX different locations and they all denied my transaction. I called the card company to find out that they had closed my account. I talked to a supervisor named XXXX from Comenity Bank who said her name would be in their documents if I needed to prove I spoke to a supervisor who gave me some answers after I had called the company 3 previous times the same day. The supervisor told me that they get their credit score from XXXX, even though the letter they sent me said their credit score was pulled from XXXX and told me that they had pulled some more information from all XXXX credit reporters and told me that the they reviewed my account, " audited '' my account and closed it on XX/XX/2017. I have checked all my credit reports and they all say that for XX/XX/2017, my accounts with Comenity Bank were in good standing. The supervisor also told me that the letter I received was sent in error and that no scores were actually pulled, but the fact that I have proof of a credit score number on the letter they sent me shows that the supervisor was not telling me the truth. All the bank keeps telling me is that I need to wait for the mail in order to know more about why they closed my account because they claimed to have no access to any records of why my account was closed even though they were the bank that closed my account. When I first had called, a representative had told me that there were notes on my account strictly stating to not re-open it. When i talked to the supervisor, she said that there was no way for them to re-open the account and that it was permanently closed and that there was nothing more she could tell me or do. She told me I would get a final bill, which I already paid off today on their bank website after getting off the phone with them, and their bank website still shows my account as completely active and does not indicate any issues. The only good thing to come from all this is that my XXXX credit report shows a hard inquiry from another credit card company that was never placed and am currently disputing it right now.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc (FL)

The Complaint that I have is with BULL CITY FINANCIAL SOLUTIONS. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with BULL CITY FINANCIAL SOLUTIONS. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Wellsfargo is misleading and being dishonest their customers due to how they process transactions with their XXXX Day Grace Period offer. For example, on XX/XX/XXXX, I had two purchase transactions pending ( XXXX XXXX for {$96.00} and XXXX XXXX XXXX for XXXX ) that didnt post til until XX/XX/XXXX. The bank charges overdraft fees after the transactions post. With the One Day Grace Period should give you an extra day to deposit funds to cover, however the bank back dated these transactions to XX/XX/XXXX as posted which caused two other transactions both from ( CapitalOne for {$100.00} and {$50.00} ) that was already posted on XX/XX/XXXX to have unavailable funds that caused two overdraft fees of {$35.00} because the bank backdated XXXX and XXXX XXXX XXXX to XX/XX/XXXX. There are more transactions like this which is deceitful and delayed transactions. Also I had a XXXX transfer initiated and sent on XX/XX/XXXX WELLSFARGO didnt post til XX/XX/XXXX causing another overdraft a XXXX XXXX should be available same day or at least next day business from XXXX XXXX XXXX XXXX sent before XXXX. 
I will upload screenshots of examples. Please review and thank you for your time.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass is attempting to charge me an improper and unlawful mortgage-related " fee. '' My efforts to get BBVA to remove the " fee '' have been unsuccessful. 

About two years ago, we purchased a new home financed by XXXX BBVA Compass loans. On the morning of closing, we were given a HUD-1 Settlement Statement from the title company for the second, smaller loan. Line XXXX of the settlement statement listed {$380.00} as the " CASH FROM BORROWER '' due at closing. As detailed elsewhere in the settlement statement, this amount equaled the title company 's fees plus governmental recording fees for the second loan ( specifically, {$310.00} for " Title services and lender 's title insurance '' ; {$4.00} for " Flood certification '' ; {$5.00} for " Courier '' ; and {$62.00} for " Government recording charges '' ). There were no other fees identified on the HUD-1 Settlement Statement. 

The title company instructed us to bring a personal or cashier 's check to the closing for {$380.00} made to the title company. Pursuant to those instructions, we obtained a cashier 's check for {$380.00} made to the title company. When we arrived at the closing, we presented the cashier 's check for {$380.00} to the title company 's agent, the agent accepted the cashier 's check, and we executed the closing documents. 

Several months later, I noticed that BBVA had assessed a " fee '' on our monthly loan statement in the amount of {$380.00}. When I initially contacted BBVA, I was told that the " fee '' was an error and would be removed. After that did not happen, I contacted BBVA again last month. 

The story changed the second time around, with BBVA now claiming the " fee '' was imposed because we did not pay the {$380.00} at closing. During the call, however, BBVA openly admitted that its records were inaccurate and incomplete. For example, BBVA admitted that the HUD-1 statement in its records differed from the final, executed HUD-1 statement in the title company 's records. ( BBVA apparently discovered this incredible discrepancy when it contacted the title company while I was placed on hold. ) BBVA also admitted that the title company had sent checks to BBVA for which BBVA had no record. ( Bizarrely, BBVA asked me to contact the title company on BBVA 's behalf and request copies of the checks. ) When I asked the BBVA agent how the closing documents could possibly have been signed if, as BBVA Compass asserted, we failed to pay the {$380.00} due at closing, the BBVA agent had no answer. 

Despite the obvious and admitted discrepancies in its records, BBVA refuses to withdraw the improper {$380.00} " fee. '' When we closed on our house, we paid {$380.00} to the title company for the " CASH FROM BORROWER '' as instructed by the title company. The fact that BBVA allegedly has no record of such payment is entirely due to BBVA 's negligent and sloppy record-keeping and its inability to obtain documents from the title company. BBVA needs to remove the {$380.00} " fee '' immediately.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (NV)

I was a victim of identity theft back in XXXX and I have new accounts that are showing on my credit report unauthorized l. Vehicle loans from XXXX, late payments on account that was not authorized by me.
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (MN)

To my complete surprise, I was recently contacted concerning a charged off credit card debt, purportedly opened by myself of which I have absolutely no knowledge, by a debt buyer Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. When I adamantly advised the collection agent of the fact that I had no knowledge of this debt whatsoever, she began to imply, although she did not directly say it, that I either I was lying to her or that I had knowledge of some kind concerning this debt. She did so in a way that I considered to be judgmental and demeaning to my character. Additionally, throughout the entire conversation, she spoke to me in a menacing and condescending tone, berating me with a litany of veiled threats and scare tactics. I am personally no expert on the fair debt collection practices act ; I do however feel harassed and slandered. Furthermore, although your drop down menu only allows me XXXX option to summarize my complaint, I also feel that they are guilty of false or misleading written statements because on the bottom of their letter there is a disclaimer or advisory that says to begin with " This account may still be reported on your credit report as unpaid. '' It continues with, " We will not report your debt to the credit bureaus if you set up a payment plan, make a payment by XX/XX/2015 and make all payments as agreed. '' However, I know for a fact that as of XXXX XXXX, 2015, there were no charged off trades " still reported on my credit report as unpaid '' ; yet, as of XXXX XXXX, 2015, after having the letter from MCM Inc. on XXXX XXXX, 2015, a credit check revealed the charged off trade. This leaves me with no other conclusion than that MCM Inc. reported this to my bureau, and therefore, misrepresented themselves in their letter as described above.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: New Era Asset Management, LLC (NY)

XXXX ( XXXX ) from New Era Asset Management has called my workplace on the unsecured line, called other phone lines in my name, very aggressive nature and states he was told to contact me for a complaint filed in XXXX County for a debt that I owe. I have not received any written documentation from his company regarding the debt or a chance to call them with a resolution. I am recently employed after being laid off 2 years ago and along with caring for my XXXX sick mother and also dealing with my own health issues, I have fallen behind with a lot of debt and will need 3-6 months to get caught up. XXXX states that the " smart '' thing to do would be to call him back. He also states that he knows where I work- this statement implying a threat to interfere.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (VA)

Never received a bill from XXXX XXXX, XXXX, MD because when I signed up for XXXX mini box for my XXXX Tenant in my townhouse in XXXX XXXX, Md, I gave the XXXX Clerk my service address in XXXX XXXX and my home address in Florida to send the {$3.00} a month bill. I never received any bill ever. I was told that XXXX had been sendng the bill to my XXXX XXXX address ... this house has been a rental for past 40+ years. I have never lived there. XXXX told me that was their fault and they would take care of it. 
I later discovered all XXXX of my credit reports had a collections notice of {$180.00} balance I owed. I called XXXX many times and was assured this would be completely removed. I call the Credit Management collection company and told them what happened and also told them that I had never received any collection notice letter. One of their managers said they would removed it completely. I have called and complained many times to both XXXX and to Credit Management and the only thing was done was the {$180.00} was reported as Paid Collection and the Notice reporte as Closed. Neither of which does anything to totally remove this whole Collections Notice from all XXXX of my credit reports from XXXX, XXXX and XXXX XXXX. I was also told by Credit Management that under Federal Law I was entitled to get a written notice of the Notice having been filed against me, which I never did. Will you please help me get it removed from all XXXX credit reports as soon as possible.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Podium Mortgage Capital LLC (CA)

I reached out to XXXX XXXX at XXXX Mortgage Planning in XXXX XXXX, CA inquiring about a mortgage loan. He was referred by a co-worker and has familiarity with my positions pay structure. I had yet to file my XX/XX/XXXX taxes and asked if he could look over my financial information to let me know what was possible for a mortgage. I specifically told him I was not applying yet but as he was referred, wanted to have a discussion about my numbers so I could decide if I wanted to increase/decrease my XXXX deductions. We specifically discussed that my SSN was not needed at this time as I did not want my credit run. I uploaded my financials including XX/XX/XXXX filed tax returns and XX/XX/XXXX draft tax returns into their 'cloud ' for his review. The next morning XXXX called me letting me know that I looked good for 'X ' dollar amount of a loan and had a great score at XXXX. I asked why he knew my score as we had talked the evening before about NOT pulling my credit. He apologized strongly and said the good side was that we would not need to run my credit again. He apologized again saying his staff automatically pulled the information and ran it. I told him as manager of his office he is responsible for managing his staff and that he had assured me we would n't run my credit yet. Of course I had not blacked out my SSN on my taxes, so he secured my information from there. Bottomline : XXXX did NOT secure my permission to pull my credit. In fact he was specifically instructed NOT to pull my credit. I want the record cleaned up from my credit score with all XXXX agencies.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

I was contacted by Midland Credit Management in XX/XX/XXXX on an account that gone into collections. I was told by the rep that once this debt was paid, it would be reported to the Credit Bureaus for DELETION! I made arrangements and paid this debt XX/XX/2016. It is now going on XX/XX/XXXX, and this collection is still showing on my account.