davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (FL)

Two of my accounts at BB & T ( one checking, one savings ) were fraudulently accessed by an unknown person ( s ) with access to my SS number and my previous name ( I am divorced and took my maiden name back 7 years ago ). They also set up a new account online at both XXXX XXXX and XXXX XXXX in my previous name and SS # and after transferring trial credits and debits between my account and their new accounts at XXXX XXXX and XXXX XXXX,  proceeded to transfer {$12000.00} in installments into the XXXX account. They also changed my email address on my profile at BB & T so I did not receive any emails regarding the transferred funds. The XXXX account was openedXX/XX/XXXX and closedXX/XX/XXXX. The account at XXXX XXXX was opened/closed within days betweenXX/XX/XXXX and XX/XX/XXXXand except for the trial credits/debits, had no activity. In addition to lost interest due to my BB & T balances being lowered due to the money transfers, I have lost {$12000.00} plus {$12.00} in bank charges for four separate transfers totaling XXXX ( {$5000.00}, {$5000.00}, {$2000.00}, and {$500.00} ), as well as {$7.00} for certified mail to file a fraud alert with the FTC. BB & T has denied my claim of identity theft and have advised me that the funds were transferred to an account that was opened in my name and SS #. XXXX XXXX is telling me that they are not responsible for my loss and it is BB & Ts responsibility. XXXX XXXX has approved my claim but I never lost any money to that bank.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (PA)

I sent a dispute letter to  XXXX    XXXX   which was signed for on  XXXX / XXXX /   17  due to having the wrong amount owed. I received a letter back from them dated  XXXX / XXXX / 17  in which the correct information was showing but was not what was reported to the credit bureaus by them. I Sent them a new letter which they signed for on  XXXX / XXXX / 17  asking them to remove this item from my credit report due to FCRA section  623 ( a ) ( 3 ) and FDCP 807 ( 8 ). In which they never marked this item as disputed within the 30day  period. They proceeded to send me a letter dated  XXXX / XXXX / 17  stating they would mark it dispute. However, this is not Within the parameters of these laws.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services (IL)

I lost my long-term job on  XX/XX/XXXX . I graduated from   XXXX   XXXX   in   XX/XX/XXXX . I had never missed a payment since I started with ACS on  XX/XX/XXXX . I cont inued to try to stay off of forbearance and managed to pay my student loan until   XX/XX/XXXX  . My normal monthly payment is {$380.00}. I contract while I am interviewing for a full time job which I have not found yet.     When I realized I could not meet the payment requirement in   XX/XX/XXXX ,  I tried to request forbearance for 1 month only - but the paperwork took too long to arrive and they tried to withhold but were unable to.     I still made my  XX/XX/XXXX  payment as soon as I could on   XX/XX/XXXX   and made my  XX/XX/XXXX  payment timely on   XX/XX/XXXX .  As of now I am current.     I received an e-mail on   XX/XX/XXXX   informing me that on   XX/XX/XXXX  , they were now going to start withholding {$440.00}. I called requesting an explanation and they told me that there was only a 15-day grace period and they were raising my interest rate and payment amount for each month by {$54.00}.     I had to apply for a reduction in loan amount for  two  years as I 'm worried about making the payments now with the increase.     I 'm upset because I only made one late payment and am penalized permanently going forward.
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (CO)

I applied for a Re-finance mortgage wit h Contour mortga ge and paid for an appraisal. After the appraisal my loan estimate went up by thousands. When i switched to a new mortgage company, I filled out an appraisal transfer and  Contour is refu sing to release the appraisal. I had the new compa ny (   XXXX   XXXX   XXXX   )  reach out to them and see if they could get it released and they are still refusing to release the appraisal.
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX, I opened a Secured Credit Card with Bank of America of XXXX dollars, I used it properly and I always made the payments on time. 
In XXXX, I decided to close it because I had some inconveniencies with this Bank and they did not informed me that I had to pay some extra fees for using the Secured Credit Card. They did not educate me on managing the Credit properly and did not inform me neither that I had to pay some fees. 
After a month, I paid what I owned, it was not more that XXXX dollars but they had already reported me to the Credit Bureau and it is affected negatively my Credit. 
Last year, they sent me letter in which they said, I do n't own anything to Bank of America but I need to get this removed from my Credit Report, please!
Consumer complaint received 2017-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: DFC Global Corp. (CA)

I applied for a small online payday loan fr om Money Mart ,  X/XX/2017   . Ive done business with them in the past, and paid my small loans. I was approved, not " preapproved '', for {$150.00} . Money mart w anted source of income, Social Security  XXXX   XXXX   XXXX  Statements, and a government ID. They wanted me to fax or upload it to their site. I could not, so I took it to their store at,  XXXX   XXXX   XXXX ,  XXXX . CA.  XXXX , the next day. I TOLD the clerk I was approved online and could not, upload the forms. I gave her copies, I showed her I ad already been approved. She went through the motions of processing a new loan, i thought she was going o email or fax the papers to the online service. She gave me a paper, that said the loan was denied, because, I had one being processed. I TOLD her that, she knew it was going to be denied, she seemed to be doing some type of fraud. She said she could fax or call them, but she was doing irregular business processing so I left. I informed the company, someone named "  XXXX  '', that appeared to be covering the clerk lied, and said the clerk cancelled the online loan. She can [ t and that does n't make since.She kept copies of my papers. I think hey may have been trying to do fraud on some of my family 's properties, I have identity-theft. I think a bad group or gang bought this store a year ago, it is no longer credible.
Consumer complaint received 2017-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I will like to start by saying Chase bank is so far my worst bank. I 'm a  XXXX  year old  female,   XXXX   XXXX   and working to survive.  XXXX     2016 ju st before  XXXX  I tried to logging to my chase online but it kept saying my account is blocked and asked me to call a number. I called and they said chase closed my account and I should be expecting a letter that 's supposed to explain why. I wanted my funds but they said I would n't get it till the closure was complete. They said I should be expecting a check in the mail. I never got any letter  but one stating  they asked for some information and have n't gotten it. I went to the bank but they were n't helpful either.. the manager tried and asked me if I noticed anything in my account and I said no. I told him about how my boyfriend was the only one sending me money and he confirmed that was n't the reason. I had a bad  XXXX  because there was no way of me getting money and the money I had was frozen.. I had to use my credit card and could n't pay on time which ended up affecting my  credit score. I  waited till the  XXXX   XXXX  and never got any letter or check. After so many calls, I decided to go back to the bank, only for the banker and after several hours of calls to tell me she is sorry but I 'm not getting my money because they think it 's fraudulent. I asked why and she said it 's not her decision.. It was late so the manager said I should come back the next day. I went with my boyfriend and explained everything again, I told her I did n't want any reasons to why they closed my account, I just wanted my money. She called and at first she said they sent it to me then eventually she said they did n't cos it 's fraudulent. She looked into my account and she saw my boyfriends Id and confirmed that it was real money. After a long call she was told to send copies to some lady on the phone. I had to go print my statement and boyfriends statement for her. I was supposed to hear back from her but never did. After like a month I went back only to hear she was on a leave and they were n't sure when she 'd be back. The acting manager and banker I met said they would send her a message and get back to me too. I 've been calling and now I 'm tired. They always claim to be sorry and try to tell me how bad they feel but they do n't know anything I 've been going through. This is  XXXX  and no one seems to bother about it, so I decided to do my research and found this website. I know the bank claims they do n't have to explain why they end a relationship but I do n't think they have a right over my money especially since I gave them evidence of it. They ruined my  XXXX  and   XXXX   XXXX   plans and also affected m y credit score and al l that ca n't be paid back but I do think I deserve an explanation and a proper compensation for all the troubles cause I do n't think I 'll ever forgive all these. I hope this website helps me out and I hope no one else experiences what I 've gone through with Chase.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Trans-union on XX/XX/2016 and advised that I was a victim of their inquiry issue and that I had never received notice from them, the customer service rep stated that I was not a victim of this and refused to remove the inquiries. I asked what method she was using to determine that I was not a victim and she refused to give me this information. Trans union is notorious for reporting incorrect information to consumers credit reports and will not remove the incorrect information even when it is brought to their attention that an error on their part was made.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/XXXX XXXX {$350.00} OPENED XX/XX/XXXX XXXX {$820.00} OPENED XX/XX/XXXX XXXX {$450.00} Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2016-08-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

My auto loan is with Ally. I made a personal loan to pay them XXXX and not have to pay my car again till XX/XX/2017.i called and asked if I could do this. To the payments not the principal, they said yes. I tolded them not to any late fee or any other fee. Since then I have talked to XXXX people, because they say my next payment is due on XXXX 2017. Not XXXX. 2017. ..because they took out the late fees, plus some money from when my car had been repossessed, some while back. But that 's not what i asked for, or authorize. If not, i would have just made the payments month by month. Now after I 've been calling for 2months and spoken to XXXX people about this issue, they tell me the money they took can not be reversed. To put on my payments. No one wanted to be responsible for it. Try speaking to a manager during these 2months, they always answer me, that there is no manager at the moment. Iam so upset, because if I did this personal loan, to pay my car. ( Advanced ) is because I ca n't pay till XX/XX/2017.They lie to me, and just did what they felted like doing with my money. This has affected me so much. Ca n't sleep. Iam so sad, XXXX and very disappointed. Mad. Please let me know if you can help me. Thank you and God Bless
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NH)

To whom it may concern : I have a complaint against Rushmore Loan Management Services. I tried to modify our mortgage with them and they refused and started bankruptcy proceedings. In order to stop the foreclosure I had to file for bankruptcy on XXXX XXXX, XXXX. Rushmore filed a proof of claim with inflated charges and through my bankruptcy attorney I objected to their inflated charges. We reach an agreement XX/XX/XXXX and it was court ordered for them to adjust the charges that they had originally filed. A second RESPA letter was sent to them XX/XX/XXXX requesting that they follow the court order and fix the charges that were on my mortgage statement. Rushmore responded to that letter and did not correct the mortgage statement as they said they would in their letter. Rushmore continues to charge bogus charges to my mortgage statement every month see attached statement the charges are listed under property preservation, corporate advances, and attorney fees. 

I would like to file a claim against Rushmore Loan Management Services for incorrect charges on my mortgage. I have attached files to support my complaint. 

Thank you XXXX XXXX
Consumer complaint received 2017-05-24
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: EQUIFAX, INC. (SC)

Orginally I had an   XXXX   XXXX   XXXX    (    XXXX   XXXX      spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my credit score went up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?
Consumer complaint received 2017-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Orginally I had an   XXXX   XXXX   XXXX   (   XXXX   XXXX    spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score w ent up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?
Consumer complaint received 2016-12-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (MN)

I recently received a debt collection letter for a debt through PayPal. I have not had an active PayPal Account since 2007. I contacted PayPal about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former PayPal account holders. It appears it is a collection scam. XXXX So I am filing a complaint before they try and hurt my credit.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performant Financial Corporation (TX)

I 'm a XXXX veteran living on social security and XXXX. I cosigned a loan for my daughter when she was in her last year of college in order for her to work as an intern and complete her degree program on time. She graduated, bought a dependable car, got a job in XXXX and two years later was married. She now has XXXX small children and a husband who provides for the family and struggles to make ends meet. He is an XXXX and work is feast of famine. His work has been showcased around the world but sales of his work are not steady. Recently we started receiving these letters. My credit score has dropped more than twenty five points since XXXX. I want to help my children, but my resources are limited. My son-in-law is doing the best he can and is working tirelessly to provide for his family. I need to get him the help to get these threatening people to backoff. I want them to leave me alone and not mess up my good credit that I worked years to get.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These items XXXX XXXX Bank is reporting are inaccurate. Report states last payment was XXXX XXXX, but it was in XXXX. They report major delinquency was first reported in XXXX, but it was XXXX. Also amount owing wrong. They say {$390.00}, but account nearly paid off. I requested from them proof of the information they are reporting under the Fair Debt Collection and they never responded.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have the same account on my credit report three times, XXXX are regular account the other was just added as a public record yesterday but shows a date of XXXX. This information is wrong this is XXXX account which should be paid in full. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed XXXX Missed Payment {$1400.00} The public record listed below Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems XXXX Other XXXX XXXX, XXXX Closed {$0.00} This account below is fraud. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$4100.00} The XXXX accounts below is not mines. 
XXXX Auto XXXX XXXX, XXXX Open - Collection/Charge-Off {$3000.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1000.00}
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (OH)

I was contacted by XXXX back in XX/XX/XXXX and I paid them {$2000.00} with my US Bank credit card, apparently for their " Business Concierge '' package. It was my understanding that they were going to increase my online presence by managing my online reputation, therefore increase my SALES. Well it has now been a while, the reason why I am writing to your agency is because they promised me in writing my refund on XX/XX/XXXX and they are not complying with their word, I called them several times and no word from them. They are being dishonest and I need your help with that. I am attaching the refund and harmless form that I signed to this complaint.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred including transfers within XXXX. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
In Bank of America 's response to Consumer Financial Protection Bureau, Case number : XXXX your representative, XXXX XXXX, XXXX XXXX, XXXX Customer Care Resolution, said, " Our records indicate that in XXXX 2009, the transfer of your loan from Countrywide Bank, XXXX, to Bank of America, N.A., was completed. '' If this is indeed true, why was there no notification to the borrower at that time that the ownership of the mortgage was transferred? 
My records indicate that this transfer took place on XXXX when Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XXXX at XXXX XXXX ). This transfer was a transfer out of the XXXX system as evidenced by the instrument recorded in XXXX XXXX XXXX, NC. ( See attached Assignment of Deed of Trust ). It was transferred from XXXX as nominee for Countrywide Bank XXXX Bank of America, XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
This was XXXX Resolution Specialist, XXXX Customer Care Resolution, response to my question why I was not notified of this transfer : " Under the XXXX, XXXX XXXX XXXX XXXX XXXX, your lender holds your promissory note, and XXXX was designated as the beneficiary under the Deed of Trust. The beneficiaries under your Deed of Trust are tracked through an internal electronic database. '' Her statement is partially true but does not answer my question. This transfer was directly to Bank of America, not held in XXXX for Bank of America. 
Why was no notification sent to me, the borrower, that this transfer had taken place? 
If what XXXX XXXX, and her supervisor XXXX XXXX, and XXXX XXXX reviewer XXXX 's Supervisor, XXXX XXXX, Senior Vice President at Bank of America, all agreed that what was published as the date of a transfer, why was I not notified of the assignment of the deed of trust in XX/XX/XXXX referenced above?