davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Continuation for complaint :  XXXX  To recap : Bank of America, 7 days before closing, made mistakes that caused the underwriter to cancel our mortgage application. The underwriter claimed we did not show adequate funds to close, yet Bank of America had in their possession multiple documents showing that not to be the case. Bank of America later admitted that they have made some processing mistakes that caused the cancellation.     We were forced to rely on alternate, temporary financing, to close on the house on time as the seller was not interested in waiting the 21 business days that Bank of America claimed were needed to correct their mistake.     My first complaint yielded positive movement from Bank of America and they agreed to re-finance at the original rate, which after the  XXXX  election had climbed almost 1 %.     With that said, however, Bank of America would not work with us in regards to thei r Origination fe e, plus the other fees that were duplicate to the fees we had to pay in our original closing. So while Bank of America honored the original rate, and we 're thankful for that, they still left us on the hook for close to {$5000.00} in losses due to their original mistake.     As the consumer, I was left with no choice due to their original error. I could accept their offer at the original rate, but lose in the neighborhood of {$5000.00}, or I could book a re-finance at another lender with terms that would cost us  $ 75,000+ over th e life of the loan. We accepted Bank of America 's offer reluctantly.     The purpose of this complaint is to make record what happened. As the consumer, I have no recourse against Bank of America other than to clearly state that their mistake cost my family significant losses. In the end, they still got their loan.
Consumer complaint received 2017-04-27
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America loan #  XXXX  was reported as closed which has negatively impac ted credit score. Th is needs to include an explanation of why it was closed such as the loan as been Paid in Full. By an explaination not being given it looks as though the account was just closed due to being sold which it was not. Please include a statement on my report that explains the account was Paid in Full by me.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.      XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX    XXXX   XXXX   XXXX    XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX .       XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  experian   XXXX   XXXX     XXXX   XXXX  ,  XXXX  experian  XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian   XXXX   XXXX    XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX  NA  XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I submitted a complaint against Chase bank in regards to fraudulent activity done on my account. On XX/XX/XXXX I received a letter from Chase in response to my complaint. In the letter it states that on XX/XX/XXXX, 9 checks for {$4200.00} were deposited into my checking account ending in XXXX. Those 9 checks were deposited fraudulently in XXXX XXXX XXXX in XXXX XXXX, IL. In turn those checks were returned and subtracted from account balance but not after funds were already taken out from that account to a Company named XXXX XXXX XXXX, in XXXX, IL. Along with these fraudulent deposits these persons had full access to my account online and they were able to transfer funds from my other accounts ( {$1600.00} ) and do ATM withdrawals. According to Chase in their letter I was denied this claim due to fact that they state that i was monitoring my account online during the time of the transactions had occurred and that I did n't immediately notify Chase to the fraudulent activity. When I originally filed the complaint I did n't go into much details, and only received one phone call from Chase and it was only to inform me that they were in receipt of my complaint and that they were working on it. But not once was I contacted to verify these facts they so called found in their investigation to explain what in reality had happened, I was in constant communication with Chase from the moment I found out such activity was being done in my account. I spent 2 full weeks going daily to the local branch trying to resolve this issue for Chase to come with this XXXX letter of explanation without referring to me for confirmation on the occurrence of the events. When I was aware that they had access to account online I called Chase and made them aware of what was happening and they helped me gain access of my account they reset passwords etc. They should have records or recording in regards to all these calls involved in this matter as for they were so many and they went on for 2 weeks straight trying to resolve this matter. I can even tell you the Branch I went to daily and find out the name of the branch manager that tried to help in this matter. I am willing to submit all the documentation I can find of the proof that I did go to Chase immediately to report the fraud on my account.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have asked the credit bureaus to investigate several accounts that are reported in my name, and I have not had a solution. I sent a certified letter printed with ID, the information reported in my credit is inaccurate, incorrect. I requested the deletion of this account and received a response. I demand that these accounts be removed since they are affecting my ability to grow and obtain credit. The response from the credit bureau is incorrect, I did not obtain proof that these accounts belong to me. I ask you to please help me to be able to delete these accounts.
Consumer complaint received 2017-04-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

It goes beyond struggling to repay. I was misled into the loan by  XXXX   XXXX  employees getting compensation. As well, I was not informed about the many loans they took out to pay for the loan including the variable interest rates. After graduating college and getting a job as an intern in the field to " pay my dues '' I deferred payment which I was explicitly told would not increase my interest. During that time I received an ungodly amount of calls, throughout the day and evening. I tried working with them, explaining to them my situation and they told me that if I could not pay the full amount, it did n't matter, I would default. Even when I was laid off and told them I could make partial payments from my unemployment checks, they told me no. In the end, it makes no sense. How does someone accrue  XXXX  of interest in one year?? I have been paying back thousands of dollars over the years but with the change of ownership, lack of experience from employees and always getting the runaround, my loan amount keeps increasing. They have harassed me, mismanaged my loans and on multiple occasions taken out more money than they were supposed too.   It has been almost ten years and my loan has not changed even after the years of automatic payment.   So much has happened and I can not get the records that they have hidden away. The conversations alone would especially validate my claims.   At this point, its become me versus city hall and I ca n't win. All of this should be incredibly illegal, but they keep getting away with it. Navient,  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to pay for what they have done to past students like myself. I am not a slacker, I work hard, make a living, but still can not be a fully functional member of society for what these institutions have done to me.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Im writing to express that my foreclosure need to be postponed and the assignment filed in  XXXX   XXXX , Georgia need to be investigated for fraud. The servic er, Select Portfolio Servicing has  been informed several occasions prior to  XXXX   XXXX ,   XXXX   that the loan was transferred illegally through the assignment. A  Qualified Written Request ( QWR ) and Proof of Claim surrounding the mortgage loan was sent to the servicer and they are   claiming that that they never received my documents. Thats the reason why Im sending it through the CFPB.   The servicer refused my payment after I became 30 days late. They are trying to take my house and not acting in good faith. I want to keep my home and requesting a postponement and hopefully obtain a forbearance.
Consumer complaint received 2017-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

In XX/XX/XXXX we got a Home Mortgage Equity LOAN, not equity line, originating with XXXX XXXX. At that time and with our poor credit we had to go with a high fixed rate of 12.25 APR interest. We signed up for a 15 year loan that is supposed to be completed in XX/XX/XXXX. After getting the loan we put our heads down and just kept it paid. My wife and I have been paying this loan for 11 1/2 years. Recently XXXX sold (? ) our loan to Select Portfolio Servicing ( SPS ). Today I received the first statement by mail from SPS and was very confused when the figures were computed. In XX/XX/XXXX we took out a 15 year Home Equity Mortgage Loan of {$25000.00} ( XXXX XXXX XXXX dollar ) with 12.25 % APR interest rate, and as of today we owe, according to SPS, {$24000.00}!! We have n't missed any payments and have paid on time. According to the statement, the payment due is {$260.00} a month with {$26.00} going to Principal and {$230.00} STILL going to Interest. I called them today to find out about getting the correct amount owed where it should be and the lady I spoke to insisted that the numbers were correct. So after paying {$260.00} a month for 11 1/2 years on a {$25000.00} ( XXXX XXXX XXXX Dollar Loan ), we still owe ( according to SPS ) {$24000.00}. According to these numbers we have paid approximately {$33000.00} in interest, yet only {$3600.00} has gone toward principle on a {$25000.00} loan at 12.25 % for 11 1/2 years. When I asked how this loan could possibly be paid off by XX/XX/XXXX, she stated that " there will be a balloon payment at that time ''. I then asked the amount of the balloon payment and she said " It 's not on here. '' referring to our paperwork By my calculations our " balloon '' payment will be {$12000.00} IF every monthly payment from this point is applied to the principle, which it wo n't. The other issue I 've discovered is that in XX/XX/XXXX, XXXX had our loan balance amount at {$23000.00} outstanding, but somehow SPS has increased that amount to {$24000.00}. So they are charging us an additional {$610.00} for a " Deferred Principle ''. I asked that we be mailed the paperwork SPS has for our loan and they claim they will send it in 5-7 business days. This must get sorted out or e will never be free of a loan that is supposed to mature in XX/XX/XXXX.
Consumer complaint received 2017-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

Hello, I was issued a check from the CFPB on behalf of a complaint filed against National City Bank on  XXXX   XXXX ,  2015 a  nd the  check has now expired. I would like to have this check re-issued to me. I have the check and it has not been cashed.
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Please note that under Sections 605 and 607 of the Federal Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit file. The information being reported on my credit report is more than seven years old and exceeds the statutory time period under this Act and must be removed. The information to be deleted is as follows : Date : XX/XX/09 Amount : {$4800.00} Actions take by me : I have sent several letters via certified mail to all XXXX credit bureaus demanding that this erroneous information be removed along with an updated copy of my credit report that reflects the deletions of all XXXX credit bureaus.
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson capital has a n item on my credit report that I just discovered today for  XXXX   XXXX . I have never had  XXXX , and I never received written notification that this item would be added on my credit report. I have asked for verification from this company, whose response was " they did n't have to provide anything. '' I have never had or signed any contract with either  Jefferson n or  XXXX , and this action is completely illegal and violates my FCRA rights completely. This action is causing disruption to my financial profile for creditors I am interested in doing business with by giving a false dichotomy of my credit worthiness.
Consumer complaint received 2017-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I deposited {$94000.00} on  XXXX  at a branch in  XXXX , PA. They put  XXXX  holds on the account. Later they put an indefinate hold on the account citing that the maker bank put the wrong account numbers on the check. Then they said the check would never be honored and said the FDIC would write me a letter with no clear date or timeframe.     I am told today by  XXXX  that the funds have cleared the bank and they are not deposited into my account
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I called my lender, Navient, and advised them that I was unemployed and/or when employed, my income was below what any affordable payments possible. I have  XXXX  dependents, and my spouse is a  XXXX  Veteran. I was recently informed of the Income Based Repayment Program, however, I was placed on Forbearances for many years. During these years, I SHOULD have been provided the option and information regarding th e Income Based Repayment Plan.  If I was offered this option, I would be much closer to the end of my plan, as I graduated in  2006 .
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (VA)

seller is deceased and heirs put property up for sale. The property is encumbered with  XXXX  mortgages and the  XXXX  is being paid in full. The  XXXX  approved a short sale on the property and when we requested the payoff on the  XXXX  we were unable to get the figures from the lender. The lender is foreclosing on the property  XXXX  and we have an offer that can close later in the week with a full payoff including all attorneys fees. We are trying to get a postponement on the foreclosure so we can settle the new buyer and payoff the entire balance. I contacted the law firm conducting the sale and they claimed that they have notified the servicer but that they are not obligated to even acknowledge the request.
Consumer complaint received 2017-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (NC)

Recently signed up for  XXXX   XXXX   XXXX  around  XXXX    XXXX  . Upon the people at   XXXX   XXXX   XXXX   XXXX  checking out my debt at  Paragon  they was able to remove  one account from there records but not the other account. I received a letter from Paragon Collection Agency stating they are validating the debt by sending me a medical bill that does not show my actual signature on this bill that they submitted to an insurance company. This is not validation of the debt as it does not show a signature on this documentation that they provided but instead, it seems to violate HIPPA laws as they should have t his information.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

I am closing on a  XXXX  home in  XXXX , TX with the builder 's approved lender, Prime Lending as the lender.      XXXX   XXXX   17 : I  locked my rate for 60 days.     Given the following closing dates by the builder  XX/XX/XXXX       ( Verbal ),   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Received an initial closing disclosure for  XX/XX/XXXX .      XXXX    XXXX    17 : M y rate lock expired because the builder still could not complete the home. Was told by the loan  Officer,  that I would have to pay a  1/4 penalty f or the lock expiring and lock at worst case rates. Was told new rate would last till  XXXX   XXXX   17.      Eventually told interest rate would be 4.375  % ( o riginal rate ) even though prevailing rates were 3.875 % - 4.000 %. Provided proof of a loan estimate from another lender at 3.875 % but they would not move on the rate. Also, my float down option went away completely. They eventually offered to pay for the rate lock expiration penalty, and {$880.00}.     Given new closing dates of  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  Asked for a new disclosure several times, including via email on  XX/XX/XXXX  ,  XX/XX/XXXX , and  XX/XX/XXXX .       XXXX   XXXX   17 : Re altor asked for the builder 's representative,  XXXX   XXXX , for closing to be moved to  XX/XX/XXXX  or  XX/XX/XXXX  She refused and there are additional issues with home as well. In fact we will be unable to see our {$16000.00} wood floors until 2 days after closing (  XX/XX/XXXX  ) because they are being finished on the day of closing and dry fo r 24 ho urs. When asking to move the closing she also told me I would start accruing a {$200.00} a day penalty starting on  XX/XX/XXXX .     As of  XXXX    XXXX   on  XX/XX/XXXX I have not received the disclosure and my closing is tomorrow,  XX/XX/XXXX at  XXXX    XXXX   at a location  XXXX  miles from my current home.     I have consulted with the realtor and he recommended to file a complaint. It is both his and my understanding that when a rate lock expires, a new disclosure document is required and the 3-day window applies.     I have attached the last closing disclosure that I received.