davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In 2014, I sold my home that was financed through Bank of America. Although the foreclosure process had started, I sold the home for a price that would cover the entire balance owed, interest generated and fees accumulated. Prior to closing however, Bank of America forced me into a Short Sale scenario but sending out the Escrow for insurance that was n't due for another month and by their attorney having increased fees. The attorney also did n't respond to a request for payoff for over a month that accumulated more in interest fees. Although the payoff was only {$2200.00} short because of their actions on a {$170000.00} amount, they have reported it as not paid in full on my credit. They have refused to reexamine the situation or refund the additional amount of interest because of their attorney 's actions. I was not able to use HARP as I was self employed. They refused to modify my mortgage loan as well.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (RI)

After months of dealing with issues in working towards obtaining a short sale approval letter we finally received and deadline to close is XX/XX/18. However, we can not close because XXXX XXXX XXXX has a judgment against the property for the wrong person, they confirmed it was not my social security number. 
We had our realtor and daughter contact MCM for proper release on XX/XX/XXXX and they confirmed it was mailed on XX/XX/XXXX, yet we did never receive. We called again on XXXX and offered to pay for the expedited service in additional to a fax or email of document to closing attorney for title insurance approval and closing by deadline -- MCM said they could not. Now i'm faced with possible foreclosure due to short sale deadline and MCM will not work with us in providing quicker service. Their best is to wait another 7-10 days for regular mail. Supervisor XXXX confirmed there is no escalation process and manager above him will not be able to help as well. When asked to speak to his manager, conveniently he was unavailable and no direct # to call back. 
Furthermore, their website for service and complaints have been down for maintenance, it re-routes back to making payments only. Not as friendly as website portrays to be.
Consumer complaint received 2016-06-10
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Unifin Inc. (IN)

I was contacted by Unifin to collect a debt for a payday loan. I advised that I could not pay the debt at the moment but intended on paying it. I was told that they would proceed with legal action because they had the information they needed to do so. I was told that as soon as I pay it, I would be able to borrow again. I was also told that if I had a negative reporting, they would delete it. The first date did n't work for me. I called back today XXXX XXXX, 2016, to clarify what I had been advised. XXXX offered me another settlement. When I asked how soon I could borrow, I was transferred to her manager. He advised that as soon as I settled, I could borrow. I paid the amount and was told that I would receive the settlement offer & receipt in an email. I did n't receive anything. Borrowing quickly was important to me because I had to take my daughter out of town to a specialist the following day. So, I paid the amount. When I went in to borrow, I was told that I could n't. When I called Unifin back, I was then told by XXXX, it would take XXXX 60 days. This was misleading and deceptive. I asked if all of their calls were recorded. She said they were. I spoke with them a total of 4 times in 2 weeks. I encourage them and other governing agencies to listen to those calls. I am probably not the only victim of their unfair and deceptive collections practices.
Consumer complaint received 2018-04-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

Congratulations on reining in Wells Fargo and making them pay for their arrogance. 
Recently while house cleaning I came across a Wells Fargo piece of mail which I had not opened since XX/XX/XXXX.

The letter mentioned that I had opened a CD for {$5100.00} on XX/XX/XXXX for a term of 3 months. The maturity date was XX/XX/XXXX. The next maturity date was for XX/XX/XXXX. 
The problem is I don't remember purchasing this CD. So I asked the branch in XXXX XXXX, MN what was the disposition of this CD. I do have a checking account with Wells Fargo which evolved into two additional savings accounts without my knowledge. 
The banker said that it's been a decade and they didn't keep records that long. She added that the bank would search the archives if possible. That's the last I heard from Wella Fargo. 
Of course I take the blame for not opening the mail and taking care of the problem a decade ago.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

The dispute is over a {$610.00} charge on XX/XX/2018. The charge should not be on my account because I had received an email from Chase on XX/XX/2018 stating that the charge is declined and that my account will not be charged unless I attempt the transaction again. As a result of the email assuring me the charge was declined, I did not take any actions with the merchant. I did not attempt the transaction again so the fact that it later posted on my account is an indication of an unauthorized charge. The merchant has a 4hr cancellation policy and so when I found out Chase did not in fact decline the charge as Chase said it did, it was already too late for me to cancel the charge with the merchant. 

I have disputed this charge with Chase and provided Chase with the email evidencing the fact that this {$610.00} charge had already been declined by the Chase and thus should not be on my account considering I did not attempt the transaction again. Despite evidence of my not authorizing this charge, Chase refused to credit this amount back to my account. Chase decided to validate this charge and disregard the fact that the XX/XX/2018 email it had sent to me clearly assured me that the charge was declined and that I would not be charged unless I attempt the transaction again. Chase misrepresented the fact that it had declined the {$610.00} charge and as a result, I am now held responsible for a charge that could have been canceled in time had Chase not misled me into believing that the charge had already been canceled.
Consumer complaint received 2018-04-24
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. (FL)

This is a request to investigate the following entities : Equifax, XXXX and XXXX for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and XXXX XXXX, XXXX for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX 's alleged " {$850.00} '' debt reported by XXXX   XXXX to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. Equifax responded by saying that the XXXX 's debt was " reported correctly, '' by XXXX XXXX. 
XXXX XXXX and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/XXXX. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and XXXX XXXX, XXXX have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (CA)

Creditor Information FRANKLIN COLLECTION XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Attn : Resolution Department Re : FRANKLIN COLLECTION Dear Collections and Consumer Relations Dept : I am writing to dispute the following information in my credit report and/or file. I have circled the items I dispute on the attached copy of the report I received. 
This is the second time I have been informed that there is negative information reported by you Franklin Collection and the original alleged creditor ( s ) XXXX XXXX XXXX, in the records of the credit bureau records for XXXX XXXX XXXX which maintains under my Social Security number. Upon ordering a copy of the report ( s ), I see an entry from Franklin Collection for an alleged amount of {$0.00} dollars. Secondly you state that I had a high balance of {$42.00} which is also inaccurate. 

Please validate this information with XXXX XXXX XXXX and your records, and provide me with copies of any documentation associated with this alleged amount you state I owe bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security number and removed from the all three ( 3 ) credit bureaus. 

I am formally requesting that you provide validation of this alleged debt and in the absence of any such alleged debt that you immediately remove any and all information that you have reported to the credit bureau. I am formally disputing and officially notifying you that I dispute any and all alleged debts stated in your notice. XXXX XXXX disputes your debt collection-related allegations and inaccurate reporting, denies the same, and demands strict proof and verification thereof. This dispute, denial, and demand are made in accordance with federal law. Pursuant to the XXXX Fair Debt Collection Practices Act and the Federal Fair DEBT Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) your claim is disputed, and validation is requested. 

I am finding it very difficult to apply for credit and gain access to credit because you have reported inaccurate information.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.
Consumer complaint received 2018-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

Our address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX. 
We have a 203k loan on this property. We finished all of the home improvements as required and received our last reimbursement check in XXXX. Homebridge employee XXXX XXXX was servicing the XXXX loan. Within the rules of the loan, Homebridge had 30 days to close out the loan with FHA. Their failure to do so is creating us great financial hardship because we can not refinance the loan until it is done. This costs us several hundred dollars a month. We are ready to close on a refinance and this is preventing us from being able to have another loan on the property. We have contacted their office many times and sent them the information that they need in order to close out the loan. They are claiming ignorance and not accepting responsibility. The loan is with XXXX but Homebridge is servicing the XXXX. Our XXXX inspector, XXXX XXXX has been reaching out to the HUD office on our behalf but it does not seem as though HUD can help us. It is our understanding that the close out process takes approximately 5 minutes. 
Here is the contact information for the company servicing the loan. 
XXXX XXXX, 203K Draw Administrator HomeBridge Financial Services , Inc . 
o : XXXX f : XXXX e : XXXX w :  www.HomeBridgeInc.com Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX {$6700.00} Closed Reported : XXXX. XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX {$5700.00} Closed Reported : XXXX. XXXX, XX/XX/XXXX A letter was send to inform the credit agency that this information is incorrect, they have no prove or wet ink signature or any contract with me.
Consumer complaint received 2018-04-24
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. (GA)

On XX/XX/XXXX, I sent a letter to Equifax XXXX and XXXX XXXX. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.
Consumer complaint received 2018-02-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (SC)

I'm filing this complaint against this company today because they are and have violated all of FDCPA rules and regulations when it comes to collecting payments. The branch manager especially, XXXX. She is very rude and very unprofessional. I had gotten a loan from this company in XX/XX/XXXX, she was very rude when going over the paperwork. I missed my first payment and advised them that I would be late, the employees called me everyday, I wasn't even 30-days late and they contacted all of my references along with leaving voicemails and on top of calling me during my work hours which I had given and advised when would be the best times to reach me, which was completely ignored. XXXX and he employees harassed me by calling me over three times in one day, leaving me voicemails all in that day, and calling my references and leaving them voicemails as well. My references called back and advised to remove their number from the list and was told that wouldn't be contacted anymore. Today, XX/XX/XXXX XXXX contacted me, she and i talked I advised that a payment was already made online, she still called my job, left a message with my boss, and called my sister after she was informed a month prior to remove her number, which was completely ignored. XXXX, also made an attempt to sabotage a loan I was getting with another company by contacting them back and advising them not to give me the loan, which again is against consumer loan policies. I have forwarded all of this information along with the the phone calls and voicemails over to my attorney and which we will be proceeding to file legal actions against this company for harassment. I no longer want any dealings with this company and I advise that they make no further contact with me. I advise to speak with my attorney.
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tulsa Adjustment Bureau (OK)

I received a letter earlier this year alleging a debt by a company called XXXX XXXX. On or about XX/XX/XXXX a letter was sent to them requesting information/validation/disputing the debt. As a consequence, they stopped all contact for the past few months. Today XX/XX/XXXX a voice mail was left by this company. They have never attempted to validate the debt or provide any of the information requested.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NCB Management Services Inc. (VA)

In XXXX XXXX I took out an internet installment loan from XXXX in the amount of {$2400.00}. I made several payments to them before finding out that this type of loan is illegal in my state ( Virginia ) as it was originated online. I contacted XXXX and offered to pay what I received minus interest as the loan was illegal. XXXX advised that they would no longer pursue collection on the loan. Fast forward to XXXX XXXX the loan was charged off and purchased by NCB Management. XXXX has never contacted me for any payments or reported any information regarding the loan on my credit report. In XXXX XXXX NCB Management reported an outstanding debt of {$2900.00} on my credit report on all XXXX credit bureaus. I contacted the XXXX and advised that I had no knowledge of this account from NCB and requested that they validate the debt. NCB responded that it was an account from XXXX. I contacted NCB by phone directly to see what needs to be done to remedy this issue. They advised that I needed to pay {$2900.00} ( principal plus interest ) to remedy this. They have also continuously called me at home, work and my personal cell phone in an attempt to collect this debt. I advised that this loan was illegal in my state but that I would attempt to resolve it after looking into this further. The representative has continued to contact me at work yelling at me that I owe this money because I took the loan. I am now reaching out to Consumer Finance to see what options I have to resolve this. I am requesting that this account from NCB Management be removed from my credit report as it is from a debt that is illegal in my state that I attempted to rectify with the original creditor.
Consumer complaint received 2016-06-09
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

i applied for a mort loan about 1 month ago. i was trying to refi my bofa loan with that has a XXXX balance with a XXXX pmt to a 15 yr loan for about XXXX per month. i have been with bofa for 30 yrs, i 've had this loan for over 10 yrs paid perfect. they sent me that my beacon was XXXX, home value XXXX. i can show XXXX in assets in XXXX financial institutions and could easily cash in annuities to pay but i dont want to. i am asking only to redo my bofa loan w/no money out ... .i have XXXX for 25yrs this should be the easiest loan you can get, there is no angle that this is not a paying loan. on XXXX i tt XXXX XXXX he asked me to get verification a loan on my XXXX was not mine i did that called the next day no return call ... XXXX & XXXX called left msg no return call ... about XXXX recieved turn down letter that was sent out XXXX XXXX he sent me on a goose chase ... .both XXXX and XXXX XXXX that i spoke to were not very helpful ( useless ). could someone with bofa who can make an educated loan descion please contact me to at least explain to me why you would make this desiscion on a 30yr perfect cust of bofa
Consumer complaint received 2016-05-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST REPUBLIC BANK (CA)

Hi, In the last 2 months, I have been looking to get a mortgage form the XXXX banks where I have an account : XXXX and First Republic Bank. After giving them all my datas and explanations ( down payment of $ XXXX- {$100000.00}, I have no debt, no school loan or such, good credit score, have been working with the same employer for the last 12 years, work contract signed for next year, letter from my Human Ressources ), etc ..., they still told me that I could n't qualify for a mortgage ( i 'm looking at a {$300000.00} loan ), because I 'm currently on a XXXX and therefore not receiving any paycheck. I told them that I felt discriminate and it 's the case. 
After some research online, I found a recent article concerning that discrimination : XXXX Again, I believe that none of the reasons they gave me make sense. Right now my rent is more expensive than if I had a mortgage to pay. Why would they let one of their client to pay a rent more expensive than a mortgage. Not very customer oriented for a bank. 

Please let me know if you have any questions.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX for {$160000.00}. The loan was evidenced by a Security Deed, '' naming XXXX as the " Lender '' and XXXX as the " grantee, '' or beneficiary, of record acting solely as nominee for same. The Loan was one of those Adjustable Rate Mortgages ( ARM ). I did n't want this kind of loan I had good credit but was told at the time that I could be put in a fixed loan at a later time. On or about XXXX XXXX, XXXX my loan account was transferred to HSBC. My monthly note kept getting higher and higher until I was having trouble making the payments. I reached out to HSBC and requested a loan modification. Their representative told me that I did not qualify for a modification unless my loan account was in default. Up until this time my loan account had never ever been behind. So HSBC had me pay a forbearance XXXX XXXX XXXX ) for months under the pretense of giving me a loan modification. I in turn, made each and every payment as agreed. Instead of the loan modification that we initially agreed upon, HSBC restructured my loan. They, however, never informed me that my loan account was being restructured. In the end, I still could not afford to meet the obligation. When I had gotten behind on my payments and finally sent the payments in, the payments were returned to me. I called and talked to various HSBC staff as to why my payments were being returned and because it was at this time I discovered that what I had been given was a restructuring of my loan and not a modification. Well nobody would help me. I did n't agree to a restructuring of my loan account but was lead to believe that what I was getting from HSBC was a loan modification. In XXXX XXXX, HSBC performed a foreclosure on my home.