davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XXXX XX/XX/2015 my wife & I were pre-qualified for a new primary residence home mortgage through Bank of America. We found a home we wanted to purchase & on XXXX/XXXX/XX/XX/2015 our offer on a new home was accepted by the sellers with a close date of XXXX. We immediately forwarded all the information to BofA to start the loan process. We provided all information that the bank requested and responded to them with any additional document requests the same day they requested them. Our closing date came & went and they only explanation we were provided was that our file was very complicated. On Tuesday XXXX/XXXX/XX/XX/2015 we were finally told that our loan had been 100 % approved. On Wednesday XXXX/XXXX/XX/XX/2015 the bank then informed me that not only was the loan not approved yet, but they wanted an additional {$140000.00} of liquid assets in order to close. After speaking with the bank, they then amended the requirement to {$15000.00}. I was able to come up with the additional assets that they required the same day & now it is Friday XXXX/XXXX/XX/XX/2015 and I still have no answers from the bank other than the file is in underwriting.
Consumer complaint received 2015-05-14
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Revenue Recovery Corporation (TN)

I entered into a payment plan with XXXX XXXX on XX/XX/XXXX. I received regular bills every month up to and including XX/XX/XXXX. I never received another bill or letter after this. No attempt was made to contact me either by mail or phone. I received letter from Revenue Recovery Corporation on Monday XX/XX/XXXX stating this account had been placed in collection.I called XXXX XXXX on Tuesday XX/XX/XXXXand was told that the account was set up on a payment plan in XX/XX/XXXX and that they had sent a letter in XX/XX/XXXX and XX/XX/XXXX which I never received. The account was put into collection in XX/XX/XXXX according to them. I have all statements that were sent from XX/XX/XXXX to XX/XX/XXXX along with cancelled checks.
Consumer complaint received 2015-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (KS)

I recieved a call from a private number, saying they were with Navient. Saying they were trying to collect on a student loan i have. I have never gotten a student loan - EVER. When I refused to give them my info - they gave me a fraud number, but no one answered at that number. I want to make sure no one has used my info and I dont have a student loan. How do I verify this and not give my info to just anyone. thank you
Consumer complaint received 2024-09-27
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I HAVE A KOHLS STORE CREDIT CARD. WITHOUT NOTICE, OR MY ASKING, THEY SENT ME A CAPITAL ONE KOHLS VISA. I DO NOT WANT THIS CARD. I SHREDDED IT THE MOMENT IT CAME IN. NOW I AM RECEIVING EMAILS FROM CAPITAL ONE STATING THAT MY PAYMENT IS DUE. I TRY TO LOG IN ON LINE, IT WON'T LET ME. I CALLED CUSTOMER SERVICE FOR KOHLS, I ASKED THEM TO CLOSE THE VISA ACCOUNT AND THAT I NEVER ASKED FOR THIS CARD. SHE SAID ( IN BROKEN XXXX ) THAT I AM A PREFERRED CUSTOMER AND THAT'S WHY I RECEIVED THE CARD. I ASKED HER TO CLOSE IT, SHE SAID SHE WILL SEND A CODE TO MY CELL PHONE, I TOLD HER THAT I AM NOT TECH SAVY TO GO BACK AND FORTH FROM TEXTING TO PHONE CALL AND ASKED HER TO EMAIL IT TO ME AND SHE SAID SHE CAN'T! THEY HAVE NO PROBLEM EMAILING ME FOR PAYMENTS. AT THIS POINT I AM FRUSTRATED AND WA N'T EVERYTHING WITH KOHLS CLOSED, STORE CARD AND THE VISA I NEVER ASKED FOR. THEY CAN SEND ME MY FINAL STATEMENT. WHEN I GO ONLINE TO CUSTOMER SERVICE, NOW IT SAYS THEY ARE HAVING INTERNAL TROUBLE AND I CAN'T LOG IN AND THEY CAN'T HELP ME NOW.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One has caused significant issues for my family and me, leading me to consider suing them for disrupting our family vacation and negatively impacting my life. Between XXXX and XXXX, I had joint accounts with my ex-wife, XXXX. Following our divorce, we both filed for bankruptcy, and my accounts were charged off. My bankruptcy was XXXX in XX/XX/XXXX, and I opened a new secured account in XX/XX/XXXX with a {$1000.00} cash deposit at Capitol One. Despite adhering to all required procedures, my card was locked upon trying to pick up a rental car, XX/XX/XXXX denying access for XXXX days, even though I provided the necessary documents within XXXX minutes. 

The account was later unlocked, and I used it for XXXX more weeks before it was locked again, XX/XX/XXXX with demands for documentation not legally required in Michigan, which seems like unwarranted harassment. In XXXX, when activating my new card, Capital One did not remove several old, inactive bank accounts linked to my profile. My fiance accidentally made a payment from a closed account previously shared with my ex-wife. I corrected the mistake immediately and made an updated payment, but XXXX days later, they started asking for documents that I am unable to provide. They are unwilling to compromise and are not providing assistance, effectively seizing my {$1700.00} and refusing to let me fix the problem or use my card. It's like they are not human, and they only care to read what is on the computer screen they lack any empathy or professional business skills This is the worst experience i've ever had in my life! They are asking me to prove ownership to an account that is several years old, closed and doesn't have my name on it because it was my Ex Wife 's and I did provide them proof i had used that account more then XXXX times in the past to pay on my account and I also provided proof I was married to XXXX at the time of using the account but they won't listen and they don't care. I am not able to speak to my Ex-wife if I wanted to get these document 's and they're refusing to compromise, they are not being rational they are acting like I intentionally added a closed bank account to Capitol One online account
Consumer complaint received 2015-04-06
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Real Time Group, Inc. (CA)

On or about XXXX, I was made aware, from my credit report, that Realtime Resolutions was reporting that I had a current and delinquent mortgage. I called XXXX Resolutions on or about XXXX and spoke with XXXX XXXX ( a representative ) and expressed to him that this lien / collection was directly tied to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Furthermore, I explained to XXXX XXXX that this property was foreclosed upon on XXXX. I informed XXXX XXXX that they were erroneously reporting this as an active and delinquent upon my credit report. I requested that it be removed immediately. XXXX XXXX asked me to show proof of the foreclosure date along with the reporting on the credit report. XXXX XXXX requested that I email this information to him which was done on XXXX. He responded positively and said he would personally take care of the matter and have it rectified within 48 hours. 

On XXXX, I had heard nothing from the company. I called and spoke to a representative. I was informed by the representative, that with their research, they were reporting accurately. 

The mortgage forgiveness debt relief was explained to Realtime Resolutions. This law which was passed, forgave of any and all debt that was secured by XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I am now requesting help from the CFPB because the matter has not been handled in accordance with the law. I have attached proof of foreclosure and the credit report with the erroneous reporting from Realtime Resolutions. 

I called back
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (MA)

I bought XXXX computer using barclay card with 0 % APR for 12months. I was paying {$100.00} every month. In XXXX 2015 the remaining balance was {$200.00} and was charged with XXXX dollars of interest for not paying off entire balance on time. It turns out that it was deferred interest card. Well nobody told me that when I was signed up for card. What kind of practice is that? They made XXXX and lost customer. I will never use barclay services.
Consumer complaint received 2024-08-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I attempted to get a property modification for my house at XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) times. They never responded with a answer. This is a violation of federal law. They have violated my Constitutional rights under the 5th and the 14 amendments. No person shall be denied the right of life liberty or property without due process. They have also been investigated under the RECO Act and have had many class action suits against them. I'm a XXXX XXXX XXXX XXXX  and living in a basement because of their actions. I have contacted the XXXX FBI Banking commission and now your office. I'm also going to contact XXXX to get the information out.
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MD)

THIS DISPUTE WAS PAID TO THE ORIGNAL ACCOUNT HOLDERGE CAPITAL RETAIL BANK {$350.00}. THE ISSUE WITH THIS IS NEITHER PORTFOLIO RECOVERY NOR GE CAPITAL WILL RESPOND. I EVEN SENT AND FAXED A COPY FROM MY BANKTHAT IT CLEARED TO XXXX THIS ACCOUNT IS PAIDED IN FULL.
Consumer complaint received 2015-11-30
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Nationwide Biweekly Administration, Inc. (IA)

We have been customers of Nationwide Biweekly Administration Inc. since XX/XX/XXXX. I have had MANY arguments with them about how they were not saving us money and they argued if they were wrong, they would have to refund me every single fee, so they were right because they were n't going to. They performed an audit to try and prove they were saving us money. They have very often been late on making our mortgage payments, not 'on the books ' late, but when we signed up our contract said our mortgage is due ON the XXXX of every month. No the XXXX or XXXX. Now on XX/XX/XXXX I get a letter in the mail saying my account is suspended and they have {$680.00} of our money. They will not answer their phones and our mortgage payment is due tomorrow and we do n't know what to do. We feel we are entitled to at least every single fee we have ever paid them, including weekly fees, and of course we want to cancel because this letter shows how irresponsible they are. Plus they have our money and wo n't answer the phone. It literally hangs up on you. I emailed them and my emails bounced back. What do I do??? Please help.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I disputed with Equifax Credit Bureau however I was never able to get the results. I called and spoke with someone and they told me that they did n't have a timeframe as to how long before I 'm able to view my credit file. The lady stated they can take as long as they want too. I 've attempted to get my free annual credit report online and my access was been blocked to that site as well. Please help. Due to the various data breaches that has occurred, I 'm concerned about my credit report.
Consumer complaint received 2024-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (NC)

XX/XX/XXXX help for homeowners sent my mortgage company {$14000.00} and additional XXXX more payments in advance. which caught me u XXXX balance owed and I had to start making payments in XX/XX/XXXX. I paid in XX/XX/XXXX until XXXX XXXX my mortgage company held XXXX checks for 5 months and sent them back and filed foreclosure on my home. i was not behind. I have a foreclosure hearing XX/XX/XXXX my mortgage filed the foreclosure process before time which I was not behind on payment noe i am under alot of XXXX and don't know what to do. my mortgage company was the error
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

HI. I have been trying to get a loan modification from Wells, Fargo Home Mortgage. 
I am under a sheriff sale in less than 3 weeks ( XXXX/XXXX/2015 ). I have written to you about this and Wells, Fargo just leaves me a message that they are looking into it. 
I submitted all the information they wanted on XXXX/XXXX/2015 ( the day they told me it had to be in ). Then they sent me a letter that the information was to old a week later. My last letter from them was on XXXX XXXX, 2015 from XXXX XXXX, SVPand it states that they are looking into the inquiry from CFPB and I will have a result by XXXX XXXX, 2015. I have not heard anything from them. 
Please help! We live on XXXX. I ca n't sleep at night. 

Thank you, XXXX
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I originally filed a disputed on XXXX XXXX for not accurately reporting my acct to Equifax. Turns out I filed the complaint on the wrong intetity. Equifax shows my XXXX XXXX card open date to be XXXX XX/XX/XXXX and the most recent report from XXXX XXXX in XXXX XXXX, XX/XX/XXXX. That is 10 months of age of the account. Equifax is reporting my account to only be 7 months old and this is causing a lack of credit score increase, which is in turn preventing from getting our mortgage loan. I would like Equifax investigated for knowingly holding back the proper reporting of my accounts and are costing me time and money.
Consumer complaint received 2015-04-06
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation (NH)

On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery, called the CEO and the Chief Technology Officer of my employer. XXXX of these company leaders are based in XXXX and in separate offices, identifying herself as being from Performant and asked whether I was working. XXXX officers informed the caller such calls were not allowed at work and that the caller should make any calls on a non-work number ( i.e. a personal number ). 

On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery XXXX called the New Hampshire office of my company. In the XXXX of the XXXX calls, she left a detailed phone message with the office that included identifying herself as a debt collector. A XXXX call was made from this number XXXX hours later, XXXX. 

Prior to the XXXX XXXX violations, repeated hang-up calls have been made to the New Hampshire office of my employer from XXXX. In several instances, a XXXX telephone number, XXXX, has also made hang-up calls to the New Hampshire office of my employer moments later after the XXXX hang-up calls from the phone number ending in XXXX. 

Since the XXXX XXXX violation, robo and/or hang-up calls from the XXXX have been coming in daily ( including Saturdays now XXXX to the New Hampshire office of my company. 

Note : on XXXX XXXX, I mailed notice to Performant via certified mail with return receipt requested to 1. demand they stop calling my place of employment and 2. put them on notice they have violated FDCPA plus similar consumer protection laws in Massachusetts and New Hampshire XXXX 

I mailed a copy of my letter to Performant to the Federal Trade Commission Bureau of Consumer Protection office XXXX XXXX XXXX XXXX XXXX as well as mailed copies to the appropriate enforcement agencies in Massachusetts and New Hampshire.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION ()

NFCU has yet again blocked us from accessing any of our funds, credit card, checking, savings. They never say why. They insist on me calling them but their phone system can not receive calls from an overseas system. This effectively freezes from any funds and puts us in severe financial distress. It nearly killed our son when he could not receive needed medical care.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (TX)

After having an emergency surgery over the summer I fell behind a house payment. I contacted the holder of the account ( XXXX XXXX XXXX ) and worked with the very helpful and friendly people there to get on a repayment plan to get me caught up and current on the loan by XXXX XXXX 2016. This helped tremendously, but what they did was sell my loan to Residential Credit Solutions ( RCS ). I was sent a letter stating that all payments after the XXXX of XXXX would have to be made to RCS. Now it is the XXXX and RCS is unable to locate my information and XXXX XXXX XXXX can not help me as they have already transferred my information to RCS. I was able to speak to an actual person at RCS by calling the loan application department and not through the endless loop of the customer service number. XXXX attempted to contact them with the number they supplied and said they were not able to contact a person. ( XXXX ). According to their website, a payment is late and will be sent to the credit agency 's if it is not received, the person I spoke with on the phone said, " just relax until Monday ( XXXX ) it will be fine ''. I am not feeling fine, he did not want to give me his name, did not want to transfer to the proper department and said this happens all the time. I am truly concerned that the agreement I had with XXXX is danger of not being honored and that RCS inability to locate the information that was transferred to them on XXXX ( according to XXXX ) in going to place me in a situation causing my repayment plan not to be honored and keep me from making payment on my home.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have mailed to them letters explaining my position on student loans ; several attempts with proof from the school financial aid department I 've attended. I have a zero balance! I 've shown this to them and the loan holder and servicer. They will not remove the information from my credit report. Initially there were XXXX student loans on my report, just recently they removed them after my most recent attempt to ask them to remove all of them. They will not remove XXXX of them. They tell me to contact US Dept of Ed, but they only want money from me. They will not accept that it is identity theft. Also, they do not contact me after I contact them. It is so frustrating ; I have medical bills on my report that do n't belong there either. But they will not do anything, but extend the time on the items, so that they will remain on my credit report ; it is so unfair. I am a student and I ca n't get financial aid because of this. They have conflicting information, and they 've all ignored the mistakes they 've made. This is extremely damaging to my life. I gave them information as proof and the truth of the matter. A contact name at the Institution XXXX where I once attended as a student before. I do not have any student loan debt. 
Please help me correct these issues with them, by getting them to remove the student loan fraud completely without it returning. 
Thank you, XXXX XXXX
Consumer complaint received 2015-05-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Auto Finance continues to take up to 3 months or 60 days plus to report my on time payments to all XXXX Bureaus. For example my on time Patment for XXXX XXXX 2015 was reported on XXXX XXXX TH 2015 this is wrong and hurts my XXXX scores. XXXX 's and XXXX still has not been reported as paid either. It should ( not ) take them 80 days. This is not ( accurate ) reporting. If your late/ pastdue they report you immediately.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I would like to file a complaint against Experian, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My XXXX yrs. old daughter without my permission used my Capital One credit card to purchase XXXX concert tickets valued at {$340.00}, later that day looking at my notifications on my phone I see the charges and called Capital one, they told me I needed to call the police and present charges to my daughter ( needless to say I developed a knot in my stomach ) the agent proceeded to contact the merchant and they did not helped even though I mention that I was within my 3 days to rescind, plus I did not authorize this transaction, I did therefore disputed the transaction today I received a letter from Capital one saying they are charging my account {$340.00} because the merchant showed my daughter made the purchase, mind you this concert is for XXXX/XXXX/15, which is in the futurePlease help me
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.