davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

On XXXX XXXX, we started our process to get a construction loan approval with BBVA Compass in XXXX, TX. After giving all our information and running our credit we received pre approval for a loan. The loan officer then quit. XXXX from XXXX office referred us to another loan officer who was not qualified and then after a month finally referred us to a XXXX XXXX out of the XXXX, TX. We submitted our paperwork again in XXXX XXXX over the phone. Every Friday new paperwork was asked to be submitted and was faxed to XXXX XXXX the loan processor. Every month was a new promise of closing by the end of the month. Our credit report has been run about 3 times. It is now XXXX XXXX and we barely received our appraisal ( which we paid {$600.00} ) and have been told it will take another month to close on the loan. After repeatedly telling them and emailing them that our builder has given us a deadline regarding his material prices. Both officers blamed us for submitting paperwork late although we have the emails and fax reports that correlate our promptness. When I finally told XXXX XXXX that we will leave if our loan wasnt expidited and cleared within two weeks. She said it would be best if we leave and go with another bank. Both me and my husband have good credit, good jobs, our property is paid for, and we are only asking for a $ XXXX.
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC. (MO)

On XXXX XXXX XXXX I cosign for my sister a car in which later me and her had a problem getting on the same page about the car and insurance and payment in which I made the decision to take the car back to the dealership to have them take me off the loan or take the car back. I spoke to the finance manager XXXX XXXX on friday XXXX XXXX 2017 in which i had the car with me to return it was at XXXX which she stated that the finance place that she went threw was closed and said that she will reach out to me on XXXX at XXXX in which she didnt so around XXXX when i got off work i went back to the dealership which is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Mo. XXXX and spoke to XXXX XXXX again and she said when she got to work this morning and said they said it was to late the loan has been sent already. I ask for the number to call and speak to them and she did so I called and talk to an rep name XXXX in which she stated that she couldnt give me here last name i said ok i gave here my name and social to look up the account she said that there was not an account yet because it takes up to 30-45 days i told her that i was trying to return the car because I didnt want my name on the car because of personal reason she then stated that the dealership can do that since there is no loan yet so I had them page XXXX again told her what the young lady said she said that they dont know what they are talking about and there is nothing that she can do and i told here that she can and she said there is not so i decided to take the next steps.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (PA)

Our current mortgage service has been problematic since the onset. They have claimed we were behind on payments for the beginning. We have exhausted all means to rectify the issue and have had no help or resolution. We have consistently requested an accounting for the payments we have submitted and they will not provide the information. Due to the companys start up nature, they are not effective at communicating with customers. We were facing financial hardships while out of work for XXXX issues, they would only offer a modification to the loan and no forbearance or deferment. Causing a worst financial situation for our overall experience, they sent our loan to a lawyer and treathtend foreclosure on 3 occasion. We have settled all back payments, however we believe we have over paid and they will not send us an accounting for our account.
Consumer complaint received 2017-11-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Its been a complete waist of time filing consumer complaints. Ocwen Loan Servicing 's puppet employee XXXX XXXX was given a Ocwen Loan Servicing title to learn how to become a pathological liar so Ocwen executives can shuffle documents to rob homes. The CFPB was puzzled together to collect millions in settlements using and twisting the laws all up so it could allow Ocwen in return to admit no wrong doing which has allowed Ocwen and its abusive employee to continue to harass and abuse homeowners. This CFPB communication is evidence that I demand XXXX XXXX to Cease and Desist all further communication with me because she is a pathological liar who has caused me serious harm. This matter will be handled in a court of law. I will not waist anymore of my time dealing with a bunch of incompetent fraudulent abusive shady criminal servicers. I have attached shady XXXX XXXX response to my consumer complaint. I have attached summons. I am not able to attach any exhibits because the volume is to large. You can review the entire complaint once you have been personally served. The process servicer is in route to your locations.
Consumer complaint received 2017-11-06
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. (OH)

on all 3 credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} ( which I paid ) and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all 3 bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I have written to XXXX on a minimum of three occasions requesting proof that this account is mine. I have no recollection opening an account with them and certainly did not fail to pay any amounts owed. They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. This charge off is harming my credit profile and score.
Consumer complaint received 2017-11-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (OR)

I started the process of refinancing to cash out equity with XXXX XXXX XXXX on XXXX XXXX, XXXX. I was told that I called in at the " perfect time ''. The lender was offering a 2 % lender credit with a rate of 3.85 %. Plus the loan officer found a way to get the lender to pay for an appraisal. My appraisal came in and everything looked great. We were then informed that our loan amount would put us in a jumbo loan and that the rate would be much higher, no lender credits would be given and the {$1000.00} appraisal is now on us to pay at closing. I feel like this is bait and switch. The facts on our end have n't changed. Also to be noted is that the switch happened nearly a month in and it 's now been 56 days with still no closing date in sight.
Consumer complaint received 2017-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I have requested a modification on my 1st and 2nd mortgage which are interest only loan. I received 1st and 2nd modification agreement from Caliber Home Loans that limited-term loan modification that are not good terms for a modification and they are only good fro 1 yr where the payments will reflect a estimated payment based on the terms of an adjusted rate loan which will be higher which will give me a new monthly principal and interest payment, This is not a good modification agreement and it will put me in a worse position then I am already in,
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Mortgage Issue : Applying for a mortgage or refinancing an existing mortgage We finally heard back from Wells Fargo & they basically told us they did nothing wrong on their part & we are basically  XXXX in out attempt to re-fi or even Modify our loan. 
How does this Bank stay alive?? 

We will need to start defaulting on our loan in order to get someone 's real attention and help in this matter?!? 

Seriously, Wells Fargo HAS DONE NOTHING to help but put the blame on us!!! 

CFPB was really our last hope that you could get WF to at least do a modification of our loan.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I have a credit card with First National Bank. I have a balance in my credit card amounting to {$680.00} and the due date isXX/XX/XXXX. I paid the full amount last XX/XX/XXXX.  When I got the next billing statement, I was charged of {$11.00} for interest charged. I called the credit card company to dispute the interest charge. They told me its a valid charge and they can not waived it, since in the 2 previous billing statement I did not pay the full amount. I told them yes I understand that I did not pay the full amount in the 2 previous billing statement that 's why you charged me a interest which is fine with me. But on the 3rd billing statement I pay the full amount before the due date that 's why I should not be charged of interest. 

And I told them just to closed my credit card because I am disappointed with your credit card. I told them I will not pay the {$11.00} because I believed this is not a valid charged. They customer service representative I spoke even treat me that they will report me to credit bureau for not paying the balance and my credit score and credit file will be affected. 

Just to make it easier I decided to pay the {$11.00} but I will complain the First National Bank to the Consumer Financial Protection Bureau.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

I was repeatedly contacted by IQ Data about a debt I do not owe. They are calling me constantly, harassing me, threatening me with suing, threatening me with credit reporting yelling, belittling, calling during business hours, calling my work, leaving repeated voice mails, calling back to back, day after day. They never sent me a letter detailing any debt or given me the opportunity to dispute the debt if a valid one existed. I have not verified any debt owed to IQ Data. I do not owe any money to IQ Data. I want the harassing phone calls to stop. They are calling all hours of the day about a debt that is not owed. They have the wrong person! This has to be against the law.
Consumer complaint received 2017-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Every single inquiry on the report except for XXXX and XXXX XXXX auto are not his.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I made additional principal payments with my previous loan servicing company - XXXX XXXX XXXX. Those payments were made on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they total {$11000.00}. On XXXX/XXXX/XXXX my loan was transferred to another service bank - Flagstar Bank. Flagstar Bank has the wrong principal balance. They do not have the {$11000.00} of payments on the account. I talked to their customer service a few times and every time they tell me to contact my previous loan service company and ask XXXX to send Flagstar the missing payments. I talked to XXXX XXXX XXXX a few times already and they keep telling me they have send the {$11000.00} to Flagstar. I told this Flagstar and I asked them to take the necessary steps and obtain the missing information and payments. I asked Flagstar to contact XXXX  and work with them but they would n't do that. They are not taking any additional steps to resolve this issue. I have also send Flagstar the following ledger and amortization schedule that I obtained from XXXX as a proof.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Closing on a mortgage — 
Company: Seterus, Inc. (CA)

Some how around 2011 my mortgage was bought by SETERUS INC and during that time I had filed a Chapter XXXX and since then I have completed it almost a year ago! I have asked for payment statements and I have not received one to  this day and yet I still send in my payment. I have asked why there is no record of my payments being made on my credit records and I have not received an honest answer 4 different answers from 4 different people! I also dont understand where almost {$50000.00} has been attached to my loan.
Consumer complaint received 2018-01-03
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. (PA)

In XX/XX/XXXX I initiated a dispute with Experian in regards to a bankruptcy that is listed on my credit report. OnXX/XX/XXXX Experian responded that the information in regards to this bankruptcy was accurate. On XX/XX/XXXX I wrote a letter to Experian requesting what method of verification they used to determine their accuracy. On XX/XX/XXXX I received a response from Experian stating that I should refer to my personal credit report for the furnisher or public records office name, address and phone number. The only entity that was listed was the Bankruptcy court. On XX/XX/XXXX I sent a letter to Experian explaining that I talked to the clerk of courts and he informed me that the court does not provide information to the credit bureaus. I asked Experian once again for their method of verification. I received a response from Experian dated XX/XX/XXXX and once again I was not provided with their method of verification. According to FCRA I am entitled to a description of the procedure used to determine the accuracy and completeness of the information and be provided by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. NONE of this was provided after two separate requests. I have attached a correspondences.
Consumer complaint received 2017-11-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( XXXX, XXXX AND EXPERIAN ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (GA)

Purchased auto - dealer sought credit from XXXX XXXX who denied based on information from XXXX XXXX. The score reported was grossly less than any other credit bureau and was purportedly based on limited history at address ( lived at address 22+ years ), phone ( do not have landline phone, cell phone number for 15 plus years but with two providers ), length of history at this phone ( see above ), length of residence too short ( 22+ years ca n't possibly be too short ), and proportion of satisfactory trades too low ( what the heck is this ). I have never heard of XXXX XXXX and will not share personal information with them to purportedly address these matters. They need to be shut down as they clearly are not taking any meaningful steps in building credit files.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX  Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/year> was made on time, which falls well within XXXX 's 15-day grace period. The payment was not 30 days late, and therefore, it should not have been reported as such. 
Clerical error by XXXX : The creditor processed my payment on time, but due to an internal system error, the payment was incorrectly marked as late. This caused an inaccurate 30-day late report to the credit bureaus, despite timely payment. 
Evidence provided : I have attached the bank statements and payment confirmation emails, which clearly show that the payment was processed on time. This evidence confirms that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I applied for a Bank of America rewards card. The terms were 13.99 % to 23.99 % depending on your credit. My credit is Excellent and over XXXX. When I received my credit card the disclosure showed my interest was 23.99 % I called customer service at Bank of America and talked to someone in Maine on XX/X/17. I asked her why my interest was so high when I have great credit. She tried deflect and said well it 's interest free for one year. I again stated to her that the web site said 13.99 to 23.99 and wanted to know why my interest was so high. I told her this was misleading and wrong. She stated she could not do anything about it. I told her I would never do any business with Bank of America. Is this a big deal maybe not. I am complaining for the people who do not look at the fine print and before they know it they are in financial trouble.
XXXX XXXX  Visa cash reward card XXXX XXXX XXXX XXXX You can publish this. I cancelled the card
Consumer complaint received 2018-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Strategic Automotive Servicing, LLC (TX)

XX/XX/XXXX, I originally got a XXXX XXXX XXXX van from XXXX XXXX with {$2000.00} down payment, total sale price is {$10000.00}. Amount financed is {$6800.00} and the total value of payment after I would have made all payment is {$8600.00}. Amount financed is {$1400.00} at annual percentage rate of 26.71 %. After some payments in the month of XX/XX/XXXX I was transferred to another company called STRATEGIC automotive servicing company when my loan origination was {$3700.00}. I continued my prompt payment until I tried to make another payment on XX/XX/XXXXwhen I realized my online account is no longer available on their website. What kind of companies transfer your loan account to another without due notification???? SAD. Instantly, i received a call from another company called XXXX XXXX XXXX XXXX that my account has been transferred to them. Right now, strategic auto. servicing payment record does not match the balance sent to me by XXXX XXXX XXXX XXXX, so i never recognize their generated account number.. I have called and sent mails severally to these 2 companies involved for a week now to express my frustration but to no avail. These companies are trying to cheat me, somebody pls help me ... ..they 've told me that my record is presently under review and said no additional charge or interest will be accrued towards my payment since it was n't my fault to paused the payment. but, i 'm scared i can not afford to loose my van cos i have paid too much for it and its all i have to take the kids to school.