davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-01
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX/Mortgage Loan Officer/NMLS ID:XXXX/Bank of AmericaOne of the worst experience I have ever gone through. The fact that the MLO didnt have clear and basic understanding of how mortgages work, and kept running around in circles troubles me. 
Story : My name is XXXX XXXX XXXX had explained to MLO my current marriage situation, MLO kept on saying it would be fine and WOULD NOT HAVE ANY ISSUES. My Realtor ( XXXX XXXX, has supporting documentation ) and also confirmed with him that I would have any issues. Well when my offer was accepted she got really nervous with my questions and didnt even want to speak to my Realtor or was given me clear instructions. Very disappointing! Seller and I were out money and time and this could have been prevented if the MLO and Bank of America would do a better job of qualifying clients. 
She was very irresponsible, never gave clear answers, was very unprofessional, and when ask what to do next she answer " THE PAST IS HISTORY AND LETS MOVE FORWARD '' WOWAlso at the start of my application she approved me for Conventional and changed it to FHA later on the process without definite answer as to why.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I 'm in the process of purchasing a house and the lender provided more evidence of Capital One 's dishonesty. Attached are XXXX pages of a credit report showing CapOne has intentionally made false derogatory statements on my credit report. 
1. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They continue to show a {$20.00} balance and the balance to be due is {$25.00} when none is owed. 
2. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They show this account as XXXX balance owed from the XXXX, XXXX bankruptcy but keep reporting it as late payment un derogatory statements as recent as XXXX, XXXX. 
3. acct. # XXXX - Their last report was on XXXX, XXXX and they show a balance of {$430.00} owed when there is nothing owed and should show XXXX balance. This is from their taking over XXXX in XXXX, XXXX problem they created. 
I filed a complaint regarding some of the issues CapOne was doing but it did not include all of them. That complaint is # XXXX. It was filed on XXXX XXXX, XXXX. CapOne is not resolving this issue and I would like cfpb to do so. Thank you. 
XXXX XXXX
Consumer complaint received 2015-09-02
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Delbert Services (FL)

I received a deposit of {$5000.00} on about XXXX XXXX, 2012 for the the loan amount of {$5000.00} minus a {$75.00} processing fee held by Western Sky. I made payments of {$560.00} and XXXX payments of {$480.00} in monthly withdrawals debited from my account until I stop the withdrawals from my bank. I paid a total of {$8300.00} for a {$5000.00} loan with an interest rate of 116.57 % for a total payments to them of {$40000.00} for a {$5000.00} dollar loan. My loan agreement was with XXXX, later sold to Western Sky, and later sold to Delbert services and I have lost track how many times my loan was sold. Looking at my credit report Delbert Services have reported me to the credit union.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (VA)

I have a JC Penny Charge Card and have had it for more than 30 years. For many years I have kept this card at a zero balance. I used the card only to keep it active and did some minor charges in XXXX 2015. For the record, on XXXX XXXX, 2015, I thought about my account and realized that I did not receive a statement from JC Penney. So I went on line, and checked. Much to my amazement I had a payment due on XXXX/XXXX/2015. I called JC Penny on Friday XXXX/XXXX/2015 and told them that I did not appreciate their deceptive tactics which is not sending me a statement at all and then popping me with an {$18.00} late fee. I told them that the only reason I was contacting them was to inform them that I am reporting them to the FTC for deceptive credit practices. The late fee is really a non-issue, the issue is JC Penney Credit is conducting deceptive credit practices, I am reporting it, and I expect the FTC to take note and take appropriate actions to protect other consumers. 
Also for the record, my XX/XX/XXXX JC Penney statement arrived a few weeks ago as it should and I paid on time as I should. It really helps out consumers a lot when we are mailed our statements and are informed of the due date. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-10-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America 's mortgage loan officer, XXXX XXXX, did not disclose a {$10000.00} fee when she compared XXXX products from which to choose ( FHA loan v. XXXX loan -- her e-mail to me is attached, dated XXXX XXXX, 2013 ) ; the e-mail details costs, fees, etc. but it does not show the nearly {$11000.00} fee mentioned above. Additionally, she did NOT provide a Good Faith Estimate when we identified the house we were to purchase -- XXXX XXXX had taken all income, assets, liabilities information for a home loan ( she also provided a pre-approval letter on XXXX XXXX, 2013 ). Please note that we entered into contract on XXXX XXXX, 2013 and we received the Good Faith Estimate ( attached ) from the Colorado processing center until XXXX XXXX, 2013 ( mailed on XXXX XXXX, 2013 ) -- the first time the nearly {$11000.00} fee was disclosed to us. We had a 14-day financing contingency that was going to expire on XXXX XXXX, 2013 ; we received the Good Faith Estimate after business hours on XXXX XXXX, 2013 so the first business hour opportunity to reach XXXX XXXX was on Monday, XXXX XXXX, which was 5 days before the financing contingency was due to expire. The date of the GFE was clearly beyond any RESPA requirement of 5 days to have been provided to us. Since we could not withdraw the FHA loan without losing the home, we had to accept this loan that was unfavorable compared to the doctor loan that did NOT have the {$11000.00} up-front fee and the monthly PMI of nearly {$800.00} Bank of America misrepresented the loan and did not follow the law, which cost us an additional {$25000.00} until we refinanced the loan ( we now have a 30-year, fixed-rate loan with Bank of America ). The CEO of Bank of America is involved and the person to contact at his office who is fully aware of this matter and its details is XXXX XXXX XXXX at the following number : ( XXXX ) XXXX. Thank you.
Consumer complaint received 2015-08-01
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MI)

hello i just received a wage garnishment from asset recovery, but I was not notified prior to being sued, I did not know i had a wage garnishment until i checked my pay stubs then once I received the notice from payroll this is from 2010 i was never served also no settlement letters was sent out, I just finished paying off student loans voluntary so i would have a problem paying them, I tried to reach them several times just to get transferred to many different numbers and then to a voicemail that apparently does not return phone calls this is ridiculous to say the least they cant help when i call but can take money out my checks every week. how can they garnish my wages after no prior notice. A attorney suggest bankruptcy but i think that was just for the money this is becoming very frustrating they are taking more money then the government out of my checks.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After a week long battle between " XXXX '' companies in which XXXX of them " XXXX '' ( CREDIT CARD COMPANY ) and the other " ENHANCED XXXX ( DEBT COLLECTOR FROM PREVIOUS PAID DEBT ) i had been involved in. 

The XXXX accounts seem to have been fixed as of Last evening at XXXX when i checked my credit report/score. 

Upon checking this my credit score which had previously dropped " XXXX '' points a week earlier seemed to have been worked out. 

I check the same credit report/score ( XXXX CREDIT TRACKER ) My score had dropped another " XXXX '' points due to either XXXX/Credit agencies not leaving things the way they were supposed to be left or a mistake was made with " XXXX '' when attempting to fix this issue! 

Enclosed doc 's. 
PLEASE HELP!!! 
XXXX obtained as of this moment.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis (NY)

We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. XXXX the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the XXXX XXXX XXXX. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster XXXX program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (MI)

Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. 
It 's passed seven years and they proceed to attempt to collect on it. 
In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (CA)

ARA Inc employees have called me several times, cursed at me, yelled at me, threatened to ruin my credit, threatened to contact my employer, and threatened to sue me over a disputed credit card debt the collection of which is barred by the statute of limitations. ARA Inc employees have been very abusive, and when confronted with the fact that the debt is disputed and not collectible they become even more abusive, and more threatening including calling me several more times. What prompted this complaint was a letter I received yesterday threatening collections action, again.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (GA)

Over a year ago I received in the mail and letter from Owen Mortgage, indicating my mortgage load had been cancelled, the amount of. {$140.00}. When I called several time inquiry about the deed I got no response, just shifting me from one department to another. Next a Sheriff appeared to evict me from my hone, with a sticking type paper. When I inquired she said, " You got to get out :. I was absolutely deviated, where I felt that XXXX was the only solution. However, friends rallied around me, and that day I went to the court ( XXXX ) to file an appeal. I was asked to submit a letter, to the judge explaining my situation. A week later I received notice for a hearing XX/XX/2015. Where I appeared before the judge, but the lawyer representing XXXX, XXXX, XXXX law firm, did n't allow me to get a word in edgewise.. So I filled an official appeal with both courts. 
XXXX. XXXX XXXX XXXX appear to be apart of the fraudulent behavior as their name is listed too., Please help me I have lived in this home for 21 years, I 'm a XXXX XXXX, with no relatives in the area. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX HOME XXXX XXXX XXXX CEL
Consumer complaint received 2015-10-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I placed an order with XXXX ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. The furniture was not delivered and the check was not cashed by the authorized party. I contacted Chase Bank and reported the fraudulent check, and they were only concerned about who wrote the check. However, they refused to address the issue about the unauthorized party cashing the check which is also fraud. Chase has no record of who cashed the check, has been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ORG GC GP BUYER, LLC (CA)

I have no idea what to check ..I paid GC services and they havnt callled XXXX court to release the hold on my license so I may go back to work. I paid them XX/XX/XXXX..they said 10 working days.It 's been passed that and I 'm still waiting.
Consumer complaint received 2015-10-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration (TX)

XXXX ref # XXXX, contacting my ex husband telling him they are going to arrest me and put me in jail. They have threatened to have the police come to my place of employment. I do n't know who this debt collector is cause when I ask, they just start telling me they are having me arrested. I WILL NOT pay anything I do not owe. Please make them stop. They have even threatened me in regards to my insurance license with the State of Texas. That is threating my ability to work and make a living.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXXDelete all the XXXX trade line for all XXXX credit bureaus and not report the short sale.
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

, Since late XXXX, I was trying to resolve my AT & T Universal credit card issues and every day I am getting different road blocks to resolve my credit card issue that caused me financial injury, stress and time, per Citibank XXXX request on XXXX/XXXX/XXXX, XXXX XXXX asked me to write letter to XXXX XXXX at Office of President of Citi XXXX, just on XXXX/XXXX/XXXX I faxed to XXXX a letter and explained my issue to XXXX I thought the nightmare is over, because on XXXX/XXXX/XXXX after speaking with XXXX XXXX ( maybe wrong spelling ) advise me that in few days my balance will be XXXX ( XXXX ) and it will reported to all credit bureaus, but when I checked status on XXXX/XXXX/XXXX no please write letter to XXXX XXXX at Office of President of Citi XXXX since late XXXX, after reviewing my monthly statements that was send on XXXX XXXX by XXXX XXXX and again on XXXX XXXX by XXXX XXXX XXXX at XXXX ( only person that it seems doing something about ) that she reduced the amount and now asking me to fax her a list of creditors in my bankruptcy, since opening the credit card account XXXX, never been late and credit limit was {$20000.00} after paying off on XXXX Citibank reduce it to {$500.00}, if I wanted to not pay it I should down it that time I am Citibank Gold account holder since XXXX and I have excellent record, the balance on the AT & T credit card is incorrect from early XXXX to XXXX XXXX my personal data was hacked while I was with XXXX XXXX, among others credit cards ( few credit card with XXXX XXXX XXXX, XXXX XXXX and other bank Institutes since the amount was big the banks and I settled but with AT & T credit card amount were low and I AND MY WIFE HAD THE CREDIT CARDS AT OUR POSSESSION but it seems they made XXXX same and my mission was at XXXX XXXX I thought my wife was using it while I was making monthly payment until my bankruptcy on XXXX then my attorney XXXX XXXX included it in the bankruptcy till that point I never was late, in good standing and the balance was {$410.00} and XXXX XXXX XXXX in her letter stating that and she also subtracted fraudulent charge around {$96.00} and at present time she is reviewing the creditor bankruptcy list that why Citibank continue to charge fees and interest credit card and other after BK, if Citibank knew about the bankruptcy that is violation of Bankruptcy rules and regulation to charge any interest and fees, is almost 2 years now to resolve this issue I did sent numerous letters, phone calls, faxes and other requested documents filled with CFPB and disputed the charges with credit bureaus and solution yet under FCRA, Citibank has 30 to 90 days to resolve, I hope with these violations FTC and CFPB must audit or whatever maybe penalized Citibank and for not resolving my credit cards issue that caused financial injury, stress and time how long I have to wait, I hope she response and make mutual decision as soon as possible and remove it from my credit report. 
XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX Info Employers XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal refuses to transfer money from my checking account to my credit card. They refuse to send me their arbitration certificate which is stated in their membership agreement is available. Every time I call Navy Federal they disconnect the call or place me on extended hold periods. They mishandled a dispute and recharged my credit card and a credit card that I am an authorized signor on. Navy Federal refuses to provide me with information regarding their alleged investigation and the information on why they denied my claim. I am also not receiving paper credit card statements in the mail, I receive emails to view my statement online but my online access is blocked. I want to records of all the statements that have been mailed.
Consumer complaint received 2015-09-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (NY)

I have several loans with Wells Fargo. When I set up paying about XXXX years ago they arranged it to be made under 1 payment. For the first several months payment was not dispersed by them to all loans. They the claimed I failed to make all payments and listed about XXXX accounts a month delinquent for XXXX months. I was in conversation with them about this the entire time. This lowered my credit score. They refused to reverse the delinquent reports even though it was they who did not distribute payment made. Additionally they refuse to refinance a consigned student loan less than XXXX
Consumer complaint received 2015-05-10
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

I have had a cash back credit card with Citibank ( Citi Dividend Card ) that allows you to earn XXXX % every quarter on different types of purchases. It advertised XXXX % cash back when you use your card at The Home Depot and any home and garden store between XXXX XXXX and XXXX XXXX 2015. I made a {$620.00} purchase of an outdoor canopy for my backyard at XXXX, which sells home and garden merchandise and is a direct competitor of Home Depot, on XXXX XXXX, but was denied the XXXX % cash back because they claimed XXXX was a wholesale store and not part of the promotion. I believe this is false advertising on the part of Citibank.
Consumer complaint received 2015-06-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A. (NJ)

In XX/XX/XXXX My wife and I Went to PNC Bank to get a XXXX Mortgage ( commonly known as a Home Equity Loan ). We thought we were getting a XXXX Mortgage ( commonly known as a Home Equity Loan ), but we were given a Home Equity Installment Loan. In XX/XX/XXXX I noticed that this loan was not functioning like a mortgage loan. Since XX/XX/XXXX I have been trying to refinance this loan with PNC Bank but have been denied due to the decrease in our property value due to the housing bubble crisis. PNC advertised the loan as a Home Equity Loan, not a Home Equity Installment Loan.