davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: APPLE FINANCIAL HOLDINGS, INC. (CO)

Took my XXXX old Mother, who lives in a XXXX to Apple Bank, ( with great difficulty ) on XXXX. in XXXX to put my name on her account since I have a POA, and she is no long capable of transacting business. The VP of the Branch refused to put me on her account, lied to us and claimed some technicality ( which turned out to be false ) as to why she could not put me on the account. Now I can not transact her business, since I live in another state and will not be able to return to remedy this for a few months. 
Then I went to another of her banks ( her account of which I am also on ) and she signed a check to transfer money from her account at Apple. I find out when I return home that Apple refused the check and that I now have a fee, as a result. 
It is difficult to pay her XXXX, due to my inability to access her account. Apple Bank also refused my POA and the same VP said her account statements were going to an address in another state that she had not lived at ( for the past 15-20 years )! These people are not only corrupt, but incompetent as well. I am consulting my attorney and am planning to file a formal complaint with the Banking Commission.
Consumer complaint received 2016-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have reached out to Ditech repeatedly to have them fix their records of my mortgage payments. My mortgage is up to date with payments but they continue to show we are past due AND assess me late fees that are not justified. My email messages and phone calls continue to go unanswered. The long and the short is .... As we explained in emails we were victims of identify fraud XX/XX/XXXX. That led us to having to open a new account so our XX/XX/XXXX payment was not made until XXXX/XXXX/XXXX. Then we forgot to setup autopay so our XX/XX/XXXX and XX/XX/XXXX payment was n't made until XXXX/XXXX/XXXX totaling {$3200.00}. Our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX and our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX. We are up to date until the next payment that is due on XXXX/XXXX/XXXX. 
To recap : XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$3200.00} covered XX/XX/XXXX and XX/XX/XXXX payments XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment Next payment not due to you until XXXX XXXX for XX/XX/XXXX mortgage. 
Along the way they took multiple payments from my account but they have refunded those.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

I opened a Citibank Account Bank Checking account with a {$400.00} bonus promotion offered if I deposited {$15000.00} within 30 days of account opening. I met these requirements, I opened the account on XXXX/XXXX/XXXX. {$15000.00} was deposited into the account by XXXX/XXXX/XXXX. I should have received the {$400.00} bonus by XXXX/XXXX/XXXX according to online customer support. I never received the {$400.00} bonus.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On my credit wise scores it does n't list none of my oldest loans from my bank nor any of my bank loans. I have never even been late on my payments. I believe that if reported that would greatly increase my credit score, thus saving me greatly on loan interest and insurance rates .I would deeply appreciate your looking into this for me. THANK YOU XXXX
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AR)

Over the past few weeks the credit card company has called me numerous times throughout the day. They will not leave a message so that I can return the call when i am not at work. Also, when I have been at work and picked up the call the people on the other end are just rude. I have requested for them to not contact me during me work hours, which are generally XXXX, and of course I get the response " well if you would handly your debit we would n't be calling you. '' I have no problem explain the situation and working through to pay off the debit that I owe but my job does not allow us to use our personal phones while on company time.
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I submitted for assistance for a HAMP modification about while I was with XXXX, XXXX XXXX XXXX and now Carrington Mortgage. After many years I finally received an FHA Modification in XX/XX/XXXX. The payment was still high. I was advised that I could appeal which I did, and then after I requested the appeal I was advised that I had to reapply, this was in XX/XX/XXXX. I thought that perhaps I would be able to make a payment, but it truly was going to be a hardship, so I began submitting documents as of XXXX XXXX, XXXX. I sent all of the documents as per the checklist, RMA, TAX returns XXXX and XXXX, XXXX, paystubs, bank statements, Interspousal Transfer, etc. Then when my representative called she was advised that we needed to fill out a new XXXX and check off a little box near my signature. Now today, XXXX from Carrington Mortgage advised that they had received all of my documents but that I needed the documents from XXXX, my ex-wife, when all along I advised that we were separated. Now I am told that I also need an assumption letter ; that I need to fill out a form to have XXXX sign as well to a research center for the bank, and that I would receive the documents so that I could assume the loan. My representative asked the Carrington representative why we were not advised back in XX/XX/XXXX if this new item was added to the list of documents. ( Please see the checklist attached-no where in the list does this requirement appear ). She apologized and continued by adding that FHA can only postpone a trustee sale if documents are completed within 37 days. I now have a Trustee Sale on XXXX XXXX. I waited over 5 years for a modification only to lose my home as a result of faulty information I am receiving. I was not given accurate information by the Carrington representatives. I am told that I can stop the sale by XXXX of XXXX actions : File Bankruptcy, Pay the arrears plus attorneys fees, or be in a disaster area. It seems that the representatives time after time, gave us piece mail information. I am at the risk of losing my home because I was not given the proper information. It seems the banks are doing this to have the homeowners give up. I need the assistance of the CFPB to assist. I feel the representatives at the bank were negligent in advising what really were the proper documents. I am not even given the opportunity of time to have the review nor sell he property via HAFA short sale. Please help me and my family not lose our home via foreclosure.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
XXXX CT XXXX the date XXXX/XXXX/2011 is not the date this was filed and I need to see the petition where you obtained this information " XXXX CT '' is not the name of a court and you must list this as a bankruptcy court with the city and state The docket # XXXX is invalid and does not belong to this bankruptcy - please send me petition You have no plaintiff listed No liability amount listed Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 TransUnion 's response to my letters ( received in the mail ), clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX TRANSUNION that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the bankruptcy is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.
Consumer complaint received 2016-05-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MN)

We are ALWAYS current on our payments yet Ocwen continues to call EVERY DAY including SUNDAY to RE-DISCUSS that our payment is changing and that they received our insurance changes and all is well. this was discussed thoroughly with an agent over a week ago yet they keep calling to say the same thing! ENOUGH! 
Caller : OCWEN
Consumer complaint received 2016-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have requested PMI cancellation. The eatablished value of home is over XXXX. Current amount owed on home is around XXXX. BofA claims they can not cancel PMI yet loan is current. The payment history is a bogus claim by BofA to extend PMI payments longer than requested. The laws do not permit or support this claim.
Consumer complaint received 2015-08-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX 2014, I went over my credit card limit pumping gas at the pump by {$20.00}. For years I 've been paying my credit card bill online & that statement that follow had a minimum fee of about {$75.00} which I paid. However, for the next year XXXX Capital One charged me an over-the-limit fee every month, never again emphasizing on the online payment statement I was still over the limit. Being I had n't purchased anything on this card for a year I always paid the minimum fee over a bit more to try, what I thought I was doing, paying off the loan. However, the online payment window is vague with nothing more than the minimum payment, but I noticed after XXXX months my balance was going up. First off, I never agreed to allow Capital One to let my card go over the limit - which I thought was a new law- & that they were not supposed to charge me much more than the overage cost itself as the penalty. I would imagine the minimum payment should be such to get you back to your limit, but being this is not my only credit card I overlooked it. I believe they should not have let my card go over-the-limit with out my permission.
Consumer complaint received 2016-05-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NC)

Why is the Federal Government supporting the new 3 % mortgage downpayment products recently being offered by Wells Fargo and XXXX? This is exactly what caused the housing crisis bubble which caused the 10 year depression we are just recovering from. There is no way that XXXX XXXX and XXXX XXXX should again be involved in underwriting these risky loans ... .Your organization should be fighting this new movement back to risky loans and business practices on the backs of taxpayers. I have already written my Senators and Congressman to step in and escalate this new movement so it 's more transparent to everyone ... ..please have someone in authority do something before it gets out of control ... and we all know it will! 
Regards, XXXX NC
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Integrity First Lending LLC (UT)

I got a rate quote from Integrity and it was pretty good compared to other companies, But through the process they said the market shifted and couldnt honor the rate.. it was the same day and the rate jumped from 3.875 to 4.25? on their site it shows rates but they havent been updated since XX/XX/2017 I have a feeling they do alot of bait and switch XXXX
Consumer complaint received 2016-05-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

I have asked Collection Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft and I have unauthorized and fraudulent inquiries listed on my Experian credit report. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (PA)

Dear CFPB : My first compliant CFPB Number : XXXX filed in XXXX XXXX I explained and laid the ground for a fraudulent mortgage foreclosure against me and my wife by Caliber Home Loans and it 's alleged trustee, XXXX Master Participation Trust. Caliber Home Loans in their response to my original compliant said they conducted an internal investigation by the XXXX XXXX XXXX XXXX of our allegations of fraudulent assignments. They said once the investigation completed they would send us the results of their findings. The last we heard was that they found no merit in our allegations and the investigation was closed on XXXX XXXX, XXXX. As of this new filing we have never received the results either by U.S.P.S. or electronically. 

XXXX filed a Motion for Summary for Judgement in XXXX of XXXX. We filed our Objection/Opposition to their MSJ on XXXX XXXX with a affidavit from a Certified Fraud Examiner and incontrovertible evidence of forgery on XXXX or XXXX assignments of our mortgage. The judge on this case ruled and ordered in favor of the plaintiff for their Motion for Summary Judgement on XXXX XXXX, XXXX. He also granted the plaintiff 's In Rem action which essentially eliminates any constitutional rights or due process as citizens of Pennsylvania and the United States to present our evidence in a court of law. The judge granted the foreclosure and sale of our home by sheriff sale in 30 days. The judge issued a XXXX Order with no opinion, no finding of facts and no conclusions of law. I 'm sending to CFPB a copy of our Objection/Opposition to the plaintiff 's Motion for Summary Judgement and the judge 's XXXX order.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am filing this complaint against the unlawful practices of Bank of America that takes advantage of its vulnerable customers. I am a customer of Bank of America since XX/XX/XXXX. My checking account has settings to prohibit any debits, charges to and transfers from the account if there are insufficient funds to cover the transaction. Unfortunately, Bank of America does not honor its end of the bargain and on a separate occasions let my checking account debited, and the next day slapped me with {$35.00} late fee. It happened last year. I asked the bank not to honor any transactions in case of insufficient funds, but it did. The bank never refunded my {$35.00} late fee. It happened again this year. Bank of America allowed the transfer transaction to hit my checking account though I had insufficient funds, then conveniently slapped me with the late fee the next day. 
My second concern with the bank 's unlawful practice is the Alert system. With other banks, such as XXXX, XXXX, I get notified right the same moment any transaction happens in my account. However, Bank of America failed to alert me the same day about the insufficient funds in order I could rectify the situation and deposit the funds. Instead, Bank of America sent me the alert the next day- XX/XX/XXXX at XXXX. I immediately deposited the check to cover the difference and called the bank to see if any further actions were needed to take care of the insufficient funds. The rep asked me to call the next day - on the XX/XX/XXXX to get my credit back. Today, XX/XX/XXXX I called twice, spoke to XXXX who refused to credit the late fee, and did not transfer me to her supervisor XXXX , stating that the latter would not credit the late fee.Then I called again and spoke to another rep, and then her supervisor XXXX , who also refused to credit the {$35.00} late fee. Also, in response to my inquiry that this is Bank of America error, as it failed to notify me on a timely fashion about the negative balance in my account, as well as it allowed the transaction to go through in spite of my prohibition in case of insufficient funds, this supervisor said that Bank of America will do this again in future, if it wants - '' This is at the discretion of the bank ''.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had XXXX checks deposited into my bank account on XX/XX/XXXX This deposit was not placed on hold i did not receive a hold notice of anytime. the checks that were deposited were sent from a company to be deposited into another bank of america account. which i did once the funds cleared on XX/XX/XXXX later after i check my bank account and XXXX of the checks were placed on hold. i called bank of america and they told me that i was going to receive mail advising me of that hold. to my understanding when any item is placed on hold i am suppose to receive a hold notice and i did not receive XXXX. the representative said there is nothing he could do and there was a hold. The representative seemed to not care much and told me id have to come up with the funds to pay the bank back. I am a victim of fraud at this moment because i was advised to deposit those checks take the money out and deposit into another bank of america account. XXXX in your system will show exactly what account it is in and i feel like you guys could do way more to help me with these scammers. Not only that I was never told about this hold i received a copy of the deposit receipt and on there it does not show a hold. From what i know i am supposed to be advised about any hold and i was not this would of avoided the other transaction.
Consumer complaint received 2015-08-24
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc. (MI)

I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who XXXX never heard of them. I had an auto account with Santander Consumer USA. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. Santander sold them this account. I do n't want to communicate with XXXX or their representation lawyers either. I want Santander to communicate with me about any debts that they feel I owe them. I sent a letter to XXXX and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with XXXX or their lawyers.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a problem with TransUnion. XXXX ( XXXX ) is merging with XXXX ( XXXX ). The merger is in progress and should be completed in XXXX. I have several accounts with the XXXX which are being transferred to the XXXX. TransUnion is reporting XXXX of these accounts in each bank 's name which incorrectly reports my outstanding debt and debt ratios TransUnion is reporting that I am using 40 % of my credit lines when the true number is about 20 % ). As a result, my credit score with TransUnion dropped XXXX points. I filed an email complaint with TransUnion and in response It apparently took each account reported by the XXXX and changed them to the XXXX. At the same time, it changed the accounts reported by the XXXX and changed them to the XXXX. The total number of open accounts did not change nor did the credit usage. I filed a new written complaint but there has been no correction. ( XXXX apparently did not make the same mistake. )
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote and corresponded directly with XXXX and was told the account was closed with no penalty to me as per the contract which requires XXXX days notice and cancellation allowed for medical reasons. I also sent a letter to collection agency XXXX XXXX XXXX and never received reply. Now I see it 's still on my credit report. How do I get this removed?