davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I asked Bank of America for a replacement check on a check that was made out to me and was void because it was after the 120 days. Bank of America has a confusing process to navigate the system and I was on the phone for hours and days being shuffled from XXXX office to another. I was finally assured by XXXX in XXXX that she would send a replacement check. She did not do so and when I followed up on her direct line, she hides behind her voicemail and does not respond. Instead, she referred the matter back to her subordinate who was unable to assist. Bank of America cancelled the original check which I have and then failed to issue a replacement despite repeated assurances to do so.
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

Not opted into overdraft protection ; ACH debits not included in this ONLY debit card .... not clearly stated. XX/XX/XXXX account was overdrawn, called PNC XX/XX/XXXX rep explained people dont understand overdraft protection fees/policies and it doesnt applied for ACH and got fees waived so I could close account. XX/XX/XXXX overdraft fees were put back on account for pending transactions that the representative I talked to didnt mention and was told there was nothing they could do and had to wait for 2 days for a call back. XX/XX/XXXX went to PNC branch to explain situation and that Id be happy to pay debit balance of XXXX $ but wont pay the fees totaling XXXX . ( Charged me a fee for not showing my college ID every 6yrs INCLUDED in this was CONTINUOUS OD fees and overdraft fees ). Account now at $ XXXX and theres nothing they can do. XX/XX/XXXX branch manger trying to assist but cant refund fees theres nothing he can do, but will try to escalate account.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CO)

I had a XXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. XXXX sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, XXXX reported to XXXX and Equifax a past due balance of {$1200.00}. I disputed with both credit bureaus, XXXX removed the information from my credit card promptly and Equifax told me to contact XXXX. I have contacted XXXX multiple times to no avail. The last communication was a phone call about a month ago and XXXX was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by XXXX to Equifax ( XXXX XXXX ). This is affecting my Equifax score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

After filing an initial complaint regarding how Santander would not accept my payments, I filed a complaint to get help from the CFPB. They responded and ignored the complaint. Since then I have been working with them trying to figure out why I have so much additional interest being paid on my account. Tonight I found out that they would not except my payments in XX/XX/XXXX, and rolled the balance due in XX/XX/XXXX into XX/XX/XXXX. So now I do not know anything from XX/XX/XXXX or XX/XX/XXXX but I owe {$810.00} on XXXX/XXXX/2016. My standard monthly payment is XXXX. Not only are they charging me additional interest but now they are extending the term of my loan that I did not approve of or accept. this is a separate complaint but it is based off of the first complaint as the second complaint it is regarding retaliation by Santander. They continue their corrupt and predatory business practices and I 'm once again left with no option but to reach out asking for help to someone who can make them respond. tonight after trying to understand what they did XXXX the representative disconnected the chat and is now blocked me from chatting with them any further. Please Help!
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX XXXX, XXXX, i called Transunion to have inquires that i didnt authorized removed. I spoke with a US rep that was handling my request. As the rep was confirming the inquires beening removed, the phone call was disconnected. i called back and waited 23 minutes to get another US rep on the phone. i explained to him what happen and how the US Rep was deleting unauthorized inquires and could he continue. He stated that he could n't do it. Again, I explained that the other US Rep was in process of deleting theses unauthorized inquires. however, he didnt care. Needless to say, he did n't help me with what the other US Rep was more then willing to help me with. There 's 5 inquires from XXXX from car loans companies. none of theses compies had my authorization to do so.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TN)

Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC. (CO)

New American Funding ran a paid advertisement on the radio. The broadcast said that a special refinancing offer was available for people who called during the broadcast. The advertised rate was 3.375 % 30 year loan bought down to 2.375 % for the first year for a refinancing. Also, the ad said that there were XXXX closing costs. They kept emphasizing all of these points. I called during the broadcast and Spoke to XXXX XXXX, one of their lenders who did business in Colorado. We have EXCELLENT credit, and a large escrow in our house. I told him ideally we would like to refinance our first and second loans together and then he asked for all of our confidential information ( where we do banking, our salaries, our social sec numbers, etc ). He said he would get back to me in a few hours. Did n't hear from him. I called the company two days later and they tracked XXXX XXXX down. Yes he had the wrong email for me, but still did n't have the numbers. Then he called back and said he could only get us a 3.875 % loan with us having to bring in {$6000.00}. Now this did n't make sense and was n't what was advertised! I asked him for a good faith estimate and told him I was really unhappy. He said it was because we were trying to get cash out ( to also pay off a credit card ). I said " fine '' forget the cash out. I want the special offer of 3.375 % /2.375 %. He said he would go back and get me another set of numbers. Waited another 2 days. Then he still came back at a much higher rate. Said this was because the special offer was only for loans above {$410000.00}. Now I 'm really starting to get frustrated. The hidden limitations were not making sense. I told him to refigure the loan again ... the rate he was quoting me was ridiculous and way above market rates. I also asked him for a copy of the loan limitations. Then he said he would get back to me that day. Waited 8 hours .. no reply XXXX next day no reply. He only replies when I cancel the loan refinancing. 

Either XXXX XXXX is playing games .. or New American Funding .. whom XXXX XXXX XXXX .. is playing games.
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (NY)

I received paperwork from Wells Fargo approximately in XXXX of 2009 regarding a private student loan that I owed. When I contacted Wells Fargo regarding this student loan account they had no information to provide to me. They could not tell me how/where they obtained this loan from, when they " bought '' /obtained this loan, etc ... Since that time I have contacted Wells Fargo on numerous occasions asking about this loan and received the same " answers '' over and over again. No information has ever been provided to me about this loan, or where this loan came from. I get a monthly statement that I have continued to pay out of fear of collections or negative impacts to my credit score. I have also contact Wells Fargo numerous times requesting my monthly payment to be lowered due to my income, housing bills and being a single mother. They have told me over and over again that because this is a private student loan they have nothing to offer to me that could help me lower my payment nor do they have any obligation to offer me anything because it is a private loan. I never once received any loan disclosure statements, never once did I sign ANYTHING for Wells Fargo for a private student loan, nothing at all that would make me feel like they obtained this " loan '' on the up and up, so to speak. My biggest concern here is if this account is even legitimate or if I somehow have been affected by this huge scam of fake accounts that has been brought to the attention of the public. If I have been affected how would I know? Who would I contact? Where would I go? If I have n't been affected or " scammed '' what are my options for help with private student loans? I really need help with this and help with trying to figure all of this out. Thank you very much for your time.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

This complaint is dealing with the Equifax Breach 2017 earlier this week that affected up to 143 millions  customer records. I learned from my current employer to go to https : //www.equifaxsecurity2017.comXXXX to see if I was impacted and I was along with my husband. This information should have been shared with everyone back in XXXX 2017 when it started. Also if they had any idea of all the people affected then notification should have been sent to those individuals. This affects my entire family.
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Robinson, Reagan and Young PLLC (TN)

I lost my job after ten years in XXXX the business suddenly closed without warning. I had XXXX houses, XXXX new cars and XXXX kids and was a single parent. I paid my bills on time always up until about two years after I lost my job. I used all savings and retirement. It was the years when the mortgage and housing bottomed out. I had a loan with XXXX. I begged XXXX then XXXX XXXX XXXX to help me. They gave me the run around. So in XXXX I finally had to file ch XXXX. 
My payments were {$4500.00} a month to the trustee for five years. I only owed basically for my house and a second mortgage. 
I successfully completed the ch XXXX a couple of months ago and the XXXX collections accounts were added and removed over and over to my credit report. The collection agency was told and sent the ch XXXX paperwork they were included in and they continued to harass me. 
I filed disputes with all credit bureaus. The collections would be removed only to return over and over. 
The collection agency did n't even have my information on XXXX she said my name but had incorrect address, no social, no birthday nothing. I kept telling collections that it was n't even my bill. She called me a liar and said I was trying to get out of paying. Which it was already included in my bankruptcy. So that was a mute point at that time. 
After I disputed they removed all XXXX collections only to show back up over and over. My score was almost XXXX they added the collections back and it dropped to XXXX. 
I really do n't understand how a collection agency can do this over and over. I 'm trying to refinance my house and this has affected my score so much I ca n't apply now. 

The agency is rude, they say just about anything to scare you to death and harass me with saying I better pay. 
Please help me. I XXXX after I lost my job which I work 7 days a week but am doing well. This is not fair I worked so hard to pay such a high bankruptcy payment plus about {$4000.00} more in other bills. I do n't know how I did it for five years but paid almost {$9000.00} in bills plus food, gas and other things. I 'm very proud I accomplished this but want to be treated fair and given a fair chance. Any help would be greatly appreciated.
Consumer complaint received 2017-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (TN)

I was contacted by a fraudulent company called Equitable Acceptance regarding student loan forgiveness. I was told by a representative that their company was legit & during Obamas administration loan forgiveness was possible. They told me if I signed up for {$39.00} per month for 2 years my student loans would be forgiven. Since I was hopeful to have my loan forgiven, which would free my husband & I to save money rather than spend a total of XXXX {$550.00} per month towards our students loans, I was baited & agreed to their terms. This meant giving them vital information, such as bank account number, name, email, social, etc. they proceeded to impersonate me to XXXX ( my student loan company ) several times using my information to access my account. Im afraid that has or is happening to many people. Please remember : if its too good to be true, most likely it is. Dont be gullible like me. Be wise & always ask questions.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (CA)

I had summited a claim regarding this with another company and it had been removed but that company sold my dept to this new company and its showing that its a new re opened collection ... 
RECEIVABLES PERFORMANCE MGMT {$0.00} {$630.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$630.00} Balance XXXX Original Creditor {$630.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Joint Account Responsibility -- Remarks NoteXXXX, XXXX. 

XXXX XXXX, XXXX XXXX {$630.00} Re : XXXX XXXX Reference No : XXXX Dear XXXX XXXX : It is our policy and procedure to honor requests for no phone calls. On behalf of XXXX XXXX XXXX XXXX we apologize for any inconvenience or embarrassment you may have been called. Your comments have been referred to the appropriate department for investigation. 
Please accept this as confirmation XXXX XXXX XXXX XXXX has closed its file and discontinued collection efforts on the account. 
Sincerely, Consumer Affairs on behalf of XXXX XXXX, XXXX. 
Toll Free No : XXXX This communication is from a debt collector this company is trying to collect a collection that was sold to them when we had came to agreement with other company.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (PA)

I called up Equifax about an error in my credit report that they said was resolved and when I checked on credit karma more then a month later the mistake was still there. I have contacted the original debt issuer ( XXXX XXXX XXXX XXXX ) and informed them that they were charging me for a bill ( {$320.00} ) that was my mothers not mine and they had told me they had contacted the debt agency ( XXXX XXXX XXXX ) and told them. Then I contacted XXXX XXXX XXXX and let them know the situation and the lady on the phone said XXXX XXXX XXXX has called and informed them of that and it will take about up to 30 days for it to go away. I asked them if they could email me a conformation of this or send me something in the mail ... There response to me was " NO, we do not send anything out. '' ... few months later is when I contacted Equifax. This is the only credit agency with this debt on it. When I was on the phone with them I questioned them about it the person i was talking to seemed to mess up alot of his answers, as if he did n't know the right thing to say until I told him they emailed me telling me the dispute was resolved and would be removed in 30 days. When I continued to question him on why it is still on the report and how they could resolve it and then never take it off he hangs the phone up on me. I am not sure how else or who else to question about this debt that is being charged to my credit even though the bill was created before I even turned XXXX.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with Experian, XXXX and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.
Consumer complaint received 2017-02-11
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I have been paying my mortgage religiously ( even when i was XXXX by the Government ), we refinanced our VA loan in XXXX XXXX and were told that our payment would not be due until XXXX XXXX ( which we made ). Never paid much attention to our credit report because we were n't making any purchases ( houses, cars, etc ) but when my car went belly up i was surprised at my high interest rate on my car loan ... .so i had my credit looked at by a financial planner friend of mine. 

And low and behold, LoanCare " services " filed on me not paying my loan in XXXX XXXX, my credit score dropped almost XXXX points and has caused my car loan rate to be higher and blocked the ability to buy another house if i wanted to in the next 4 years.
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CO)

I 've asked for the creditor to validate the debt by providing an itemized bill over a dozen times. During our correspondence they continue to harass and abuse me by calling me repeatedly at all times of the day offering to close said collection to coerce payment for a debt that I ca n't confirm to be true and valid. Despite these predatory and unlawful tactics they have now reported the collection to all three reporting agencies dropping my credit score from the high XXXX to the low XXXX. I have mailed them my rebuttals and their violations of the Fair Debt Collection Practices Act yet they still continue to with their unlawful ways.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

XXXX/XXXX/2016 From : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Dear cfpb, I am writing to let you know that a few years ago my wife and I lost our jobs and because of the loss of income we suffered falling behind on our mortgage payments. Because of this we could not attend to any modification and or any program since our companies for work did not have any work for us. We had attempted over and over since then to get a modification or some program recently to start to pay the mortgage because we have our jobs back and between us all at home are making just over {$8000.00} a month. however, penny mac loan servicing has a number of times denied us because they have stated that they can not help us. I have called them many times and every time they give me different excuses as to why the they can not help us. For example, they state that we do n't make enough, then they stated that they did not receive proof of income, then another time stated that they received all the proof of income but there is nothing they can do. They my case to home saver program new jersey housing and mortgage finance agency, where I spent 2 months attempting to get help funds to save our home to be told by them that they denied our application and did not even said why. They had informed penny mac of the denial and stated to me when I called that I could appeal on both ends the home saver program and penny mac. I did just that XX/XX/2016 and never received a response from the home saver program and penny mac told me that whoever I spoke to at penny mac failed to tell me to send them proof of income and that I should send the proof immediately which I did. A week went by and I called them and they told me that the underwriter closed my case because of not sufficient income every month and that I needed over $ XXXX month. I explained to them that collectively my wife, myself and my son are bringing in the home over $ XXXX a month. 
I feel I have been discriminated upon as penny mac did not ever give me a proper instruction to apply for mortgage assistance. I have sent letters and called them desperately seeking assistance. Once again we are making money and have our jobs and willing to start paying a mortgage. We do n't want to lose our home. We want a fair chance at saving our home. They wo n't even tell us the proper steps to a short sale which I have inquired about. I make this complaint because I do n't think it is fair that we are now recovered with respect to having jobs and are not given a chance to keep our home. Thank you. XXXX XXXX XXXX . Loan # XXXX Penny mac loan servicing XXXX.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of issue.