davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I keep losing all the information I put down so this is just me saying what happened. As of XXXX XXXX, XXXX on them before date of XXXX XXXX, XXXX I was placed in a mental health facility. The direction of the length of time being spent was n't given to me by overall stay there over three weeks and a half. During the time of my stay my personal checking and personal savings was liquidated far before I got out my credit cards are maxed and basically accounts were closed before I even got out. With that being said I got out of the facility and during the day and there was never informed that and then Vic should notice was placed on my door with notice to leave. With me being in the facility all my personal items were thrown away from my house or apartment XXXX XXXX Virginia XXXX, XXXX, CA XXXX. With all my valuables been thrown away materialistic items gone. There is also three of my vehicles that basically could n't be moved. They got labeled as a banded waist and put out have a XXXX for an impound. Now When leaving the facility in receiving this information that everything of mine was thrown away and cars and pounded basically I walked from my house to my personal bank Bank of America off of XXXX XXXX Less than a mile away not having any form of ID so security social card or birth certificate as well as EIN XXXX the personal banker that I had actually open my accounts up with that help me out to try to figure the situation he then presented to me that both of my accounts were liquidated around 9100 and  something dollars and then my credit was maxed out the total of 2700 and something I really do n't know what to say more I 've tried and continue to do so but the definition of insanity been to repeat the same process and expect a different outcome is starting to dwell on my shoulders thinking I might be insane.
Consumer complaint received 2017-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (MN)

My file is being dual tracked. I was in an active review with the lender and they set a foreclosure sale while I am in review. 

On XX/XX/XXXX my HUD approved Housing Counselor confirmed that I was approved for a forbearance agreement through the end of XX/XX/XXXX.  On XX/XX/XXXX my HUD approved Counselor faxed over a request for continuing the forbearance including the following : 1. FHA form 710 2.  4506-T 3. Hardship letter 4. Information about latest status of medical hardship & upcoming XXXX 5. My food support Award Letter 6. Transaction history for my food support and general assistance showing proof money is received on EBT card.
7. Lease agreement 8. Rental receipts signed by me and my renter 9. Explanation that rent is paid in cash 10. XXXX signed Federal Tax returns 11. Letter of explanation regarding me having no bank account and therefore no bank statements. 
12. Authorization for my HUD approved counselor to speak with my lender On XX/XX/XXXX my HUD counselor called Pacific Union and spoke with XXXX who said that she sees that they have received everything they need to review my request for continuing the forbearance agreement and that we should callback every 2 weeks to see where things are at. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union and  spoke with XXXX who said there were no updates, nothing needed. He then said that the file was still being reviewed for completeness. My counselor asked why we were told it was considered complete and it was with underwriter. XXXX said he did n't know and suggested we call back the next week. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union to see where things were at. She spoke with XXXX again, who then had a list of documents including documents that we had already sent. My counselor called me and made me aware of documents and due to my recent XXXX, it took me until XX/XX/XXXX to gather and return the documents. 

On XX/XX/XXXX I was served a foreclosure notice. My request for assistance was not denied and my request was in on XX/XX/XXXX and confirmed on XX/XX/XXXX, so we are confused as to why there was a sheriff 's sale set and how this is not considered dual tracking?
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (IL)

I was notified on XXXX/XXXX/XXXX by the website that Equifax set up that I was potentially compromised in their recent security breach. I have not enrolled in their ID monitoring service.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx, XXXX XXXX XXXX XXXX Sir/Madam, I am writing to request a reinvestigation of the following item ( s ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter. Sincerely, [ Your Full Name ]
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I am disputing incorrect personal information appearing on my Equifax credit report. The report inaccurately lists the name " XXXX XXXX '' and the address " XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ XXXX ''. I have no connection to this name or this address, and they do not pertain to my account. I request that Equifax promptly investigate and remove these inaccuracies to ensure my credit report reflects only correct and accurate information, in compliance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2017-09-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

I enrolled in automatic payments for my student loans with Navient a year ago. 
Navient advertised 1 % interest rate reduction for enrolling. 
There was no disclaimer ( unless it was buried in fine print ) indicating that the loan source, or type, or the loan guarantor determined eligibility for the interest rate reduction. 
I spoke with someone at Navient today, and they told me that I did not receive the interest rate reduction during the period my loan was on automatic payment because the guarantor was ineligible. 
I have been unable to receive adequate assistance from Navient in this matter and with the servicing of my loans since they began repayment. 
I had assistance from U.S. Department of Education Ombudsman group in getting this set up about a year ago, and felt comfortable with my arrangement. 
I have received paperwork from Navient that requires me to complete annual re certification of my income driven repayment plan. They acknowledge the paperwork received XX/XX/XXXX, and told me it will take them until XXXX/XXXX to process the application. I should not have to go through this annual stress fest. I need reasonable repayment terms, and Navient needs to correct their errors, and their processes to prevent this consumer stressing, time-consuming bottleneck.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have successfully sent over documentation/supporting details regards to this fraudulent /incorrect account that have been added to my file. After speaking to numerous customer service reps in addition to faxing over documentation showing I am a victim of identity theft. Despite showing supporting document XXXX, has failed to update my credit file accordingly. 

XXXX XXXX XXXX Amount of XXXX Reason : Fraudulent Account
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have successfully sent over documentation/supporting details regards to this fraudulent /incorrect account that have been added to my file. After speaking to numerous customer service reps in addition to faxing over documentation showing I am a victim of identity theft. Despite showing supporting document XXXX, has failed to update my credit file accordingly. 

XXXX XXXX XXXX Amount of XXXX Reason : Fraudulent Account
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (NC)

I currently have an account with Pinnacle Credit Services on my credit report that I disputed because I did not believe the account was mine. It came back as verified with all XXXX credit bureaus. Recently, I contacted all XXXX credit bureaus to remove the dispute comments from my credit report since I would like to apply for a mortgage. XXXX complied, however, XXXX and XXXX stated that based on the status of the dispute they would have to re-dispute it to have it removed. I got the updates from XXXX and XXXX around XXXX XXXX stating that the investigation was complete but the account remained in a dispute status. I called both XXXX and XXXX on yesterday, XXXX XXXX, regarding this. XXXX removed the dispute status, however XXXX stated that they could not remove the dispute because the creditor felt like the issue was unresolved and I would need to contact them. I called Pinnacle Credit Services at XXXX and spoke with a representative who informed me that they no longer held the account, and I had to speak with someone at XXXX XXXX. I was also given the account number of XXXX, phone number XXXX. When I spoke with the representative at XXXX XXXX, they informed me that they bought out XXXX and that this account was no longer being collected on or reported, but its still being reported on my credit report. She also told me that the account was from XXXX 2009 ( which is 7 years ). When I explained the situation to the representative she stated that all updates would be made in XXXX. With the information that I have been given, I do n't understand why Pinnacle would not remove the dispute comment from my credit report, especially since they no longer own the debt! This has been a very frustrating process for me since all I wanted them to do was to remove the dispute comment, but to find out that the account is 7 years old, no longer owned by the company reporting on my credit, and to then be told it 's not reporting but instead it is.
Consumer complaint received 2017-10-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avadyne Health Holdings, Inc (MI)

Received an automated voicemail from H & R Accounts. Voicemail states that the call is to attempt to collect a debt, and any information obtained may be used for that purpose. Since the voicemail is an automated message, the debt collection can not confirm that whom they are calling is the consumer. Therefore, violating FDCPA regulations with regard to leaving a message relay that there is a debt owed and being collected on. 

Also the debt in question was pulled by their client over a year ago, as it was placed with their agency in error. This has been confirm by their client today by phone call.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (CA)

I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. 
I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " QLSC '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. 
A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. QLSC was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Quality Loan Service Corp, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NC)

Dear sir or madam, Summary : I have been with Schwab for 5 over years, but they gave me less than a month to transfer my retirement, brokerage, checking, and savings accounts before they close them and mail me check triggering unwanted early withdrawals and taxes.
Details : I am US citizen residing in North Carolina. Currently, I am overseas on a long-term work assignment. Earlier this month XXXX XXXXXXXX XXXX XXXX  sent a letter to me informing that they were closing all my accounts including Roth IRA, Regular Brokerage, Checking, and Savings by XXXX XXXX. Thus, the notice was mailed less than a month in advance. I did n't receive it until XXXX XXXX because I am overseas. I did not receive any other notifications from Schwab regarding this even though I am subscribed to receive e-mail notifications and all my statements only electronically. Additionally, I have Schwab mobile app installed on my cell phone. Their mobile app notifies me of most actions on my account, but I received no notification about these account closings.
Given the short time I had left, I started looking for other brokerage and bank firms to manage my Roth IRA, brokerage, and bank account assets in order to transfer them from Schwab as soon as possible. By the end of the XXXX of XXXX, I managed to initiate the transfer of my Roth IRA and found where to transfer my assets from my other Schwab accounts.
One problem was that my North Carolina state tax refund was still processing. NC department of revenue needed about 4 more weeks to finalize and deposit my refund. The refund amount is almost {$2000.00}. Mailing the check is not a good option for me because I am overseas without a permanent address. I called Schwab, explained the situation, and asked if they could keep my checking account open for 4 more weeks. I spoke with 2 different representatives. Both said they could not do it.
When I logged on to my Schwab account on XXXX XXXX, my accounts were restricted. Even though the letter from XXXX said that I could transfer my assets until XXXX/XXXX/XXXX that was not the case. I could not transfer my balance ( over {$10000.00} USD XXXX to my linked account with another institution. 

Sincerely, XXXX XXXX XXXX. 
A copy of the body of Schwab 's letter is attached to this complaint. I have the original if required.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MS)

On XXXX XXXX, XXXX a check in the amount of XXXX was mailed to Home Depot. However, I continued to get phone calls regarding non-payment on the account. I explained on multiple occasions that I had mailed a check on XXXX XXXX. After continued calls, I faxed a copy of the check to Home Depot offices. On this copy, I stated all pertinent information such as date mailed and account number, my name, address, and phone number. The calls continued! On XXXX XXXX or XXXX, I called and asked to speak to a supervisor to try to explain the situation ( check sent but not posted or cashed ). The supervisor said he could stop the ( harassing ) phone calls for 4 days. On Saturday, XXXX XXXX, I began to receive phone calls again regarding this account. At this time, I decided ( it was also recommended by the Home Depot representative ) it would be best to put a stop payment on the check and have a new one issued. On Monday, XXXX XXXX, I did have a stop payment issued in order to send a new check in the event that the first really was lost. Upon calling to get an accurate mailing address, I am advised by the robot that I have a balance of {$0.00}. Again, I ask to speak to a supervisor and I was informed that the check was posted to my account on the XXXX of XXXX. Why was I receiving calls as late as the XXXX? Although the check was posted, it had not been deposited. Upon deposit the check could no longer be honored as stop payment had been requested. A new check was sent immediately. As a consequence, Home Depot has reported me as being over 30 days late in payment. All attempts to rectify this with Home Depot and correct the credit report has been in vain. Furthermore, My account balance is now XXXX dollars and change with no further charges having been made.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Original Complaint with CFPB : XXXX In our original complaint, we detailed how JP Morgan Chase wrongfully charged us escrow fees in the amount of {$8600.00} and {$470.00} upon closing our house on XX/XX/XXXX. They also did not credit us for the {$500.00} in Good Faith Funds paid. In the original response, Chase submitted to us and to CFPB on XX/XX/XXXX the following assurance in writing : " We are refunding your {$500.00} Good Faith Funds, as well as the escrow amount that you paid at closing. {$470.00} for county taxes [ that was actually prepaids for property insurance ] and {$8600.00} for property insurance [ that was actually for property taxes ]. We are refunding the {$500.00} Good Faith Funds through regular mail. You should receive this check in the next 7-10 business days. For the escrow amount that you paid at closing ( {$470.00} for county taxes and {$8600.00} for property insurance ) [ Chase again misrepresented the funds and the {$470.00} was for property insurance and the {$8600.00} was for property taxes ], you will receive another check by mail with these two amounts combined in the next 7-10 business days. '' On XX/XX/XXXX we received a single payment from Chase in the amount of {$8600.00}. It did not include the remaining {$470.00} they assured they would refund in the previous response. I called the Chase Mortgage Banking Executive Office at XXXX on XX/XX/XXXX to inquire about the missing funds in the payment. Their representative stated that they were investigating the {$470.00} and would not be returning that portion of the overcharges until they completed their review. We have waiting an additional week for them to return the full amount that they had previously assured us they would refund and have not done so. Furthermore, we have not received the check for the {$500.00} in prepaid Good Faith Funds that were not credited to us on closing. 

Chase has lied to us and to CFPB by not following through and their assurances and refunding the escrow charges. 

Please help us so that we may receive the full amount due to us, which is still {$470.00} remaining from the mischarged Escrow and the {$500.00} in prepaid Good Faith Funds.