davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had a first and 2nd mortgage with Bank of America on a home that I no longer live in. XXXX XXXX XXXX XXXX XXXX, NC XXXX loan numbers XXXX & XXXX Recent changes in our income, plus economic factors in the area make it impossible to sell the home for what is owed. After exploring Modification options, it became clear that our best option was a deed in lieu of foreclosure. Before our loans even became delinquent, I initiated this process with B of A back in late XXXX, to get the process moving. After spending countless hours on the phone, printing out, filling out and faxing forms, and taking the house off the market, Bank of America transferred the servicing of my loan to a company called XXXX, as of XXXX XXXX, just as the process was about to be completed. I received notice of this XXXX XXXX, and brought it to the attention of my deed in lieu of foreclosure specialist, who knew nothing of it, but said that there was nothing they could do. now the loan has transferred, and I am getting no response whatsoever from Bank of America, except to refer me to XXXX. I was assured that all of the information I have submitted will be passed along, but no one could assure me that I would n't have to restart the whole process. After reaching out to B of A several times last week, they finally called me today to tell me they were no longer servicing my loan and to call XXXX. I called XXXX, but they are " still in the process of receiving my information from Bank of America. 
As part of the process of satisfying the requirements, Bank of America required us to remove all personal items and take the house off the market as of XXXX XXXX, BECAUSE BANK OF AMERICA WAS CHANGING THE LOCKS AND TAKING POSSESSION OF THE HOME. 
I now have a vacant home that I can not access, that I am told I am still responsible for and no one is willing or able to answer any questions. I do not understand how Bank of America can transfer my loan in the middle of this process, especially after they have already taken possession of the property. Our family has become the victim of the economic wreck that these shady mortgage lenders created, and I have been doing my best to do the right thing here, but it appears to me that Bank of America is doing something underhanded in order to dump a bad loan. 
We chose to go the Deed In Lieu of Forclosure route, because we felt it was unethical to drag this out for 2 years in a costly foreclosure process, plus we understand that our credit rating will recover more quickly if we did it this way. 
We have been getting nowhere with Bank of America, and are completely invisible to our new loan servicer. 
I am attaching a few of the documents that I have scanned and sent in, but I have a 3 inch thick stack of paperwork concerning this, as well as dozens of emails. I only wish I had recorded the countless phone conversations!
Consumer complaint received 2015-08-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I had setup a payment plan in XXXX 2015 to repay back XXXX XXXX for a credit card I had. I was told that the balance was over {$1000.00}. Portfolio Recovery Associates started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with XXXX XXXX was {$500.00} so I made a call to XXXX XXXX and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

We need your assistance. Portfolio Recovery Associates , LLC continues to call my home for a debt we do not owe and know nothing about. They 've been harassing us since the late XX/XX/XXXX while living in XXXX. We 've since moved to XXXX ( XXXX yrs ago ) and they somehow found our new home # and started ringing it off the hook shortly after we moved here. We set our home phone to 'do not 'disturb ' and they have now found a way to contact us on our cell phone, which is against the law. Way back in the XX/XX/XXXX, we told them we do n't owe this money and they continue to harass us. So we 've been ignoring their calls for the past XXXX+ years. We sent letters telling them we do n't know what this debt is and to produce a copy of the original debt and we 've received nothing in the mail but their letters asking us to pay the debt. The latest letter I received was a couple of days ago. And interestingly enough, a portion of the letter says, " ... Because of the age of the debt, we will not sue you for it and we will not report it to any credit reporting agency. '' That tells me they must be trying to collect on a so called debt that is outside of the Statute of Limitations for California. The original creditor listed in the letter is XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX to Portfolio Recovery Associates , LLC. My wife and I had a couple of credit cards with XXXX XXXX XXXX that we obtained in XXXX in which the combined balance far supersedes the {$360.00} they are asking for. Furthermore, the credit cards were PAID OFF in XX/XX/XXXX and Portfolio has been calling my house since the late XX/XX/XXXX. That said, we owe XXXX XXXX XXXX nothing, this looks like Portfolio is trying to collect on a very old debt we know nothing about and I want these people to leave us alone! Should you wish to discuss this matter, please contact me through the email provided in this complaint. Any assistance you can provide in this matter is greatly appreciated. Thank you for your time!
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

SPSAccount # XXXXI 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. 
XXXX XXXX
Consumer complaint received 2015-11-23
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC. (MI)

They called XXXX times in XXXX minutes and a XXXX time XXXX minutes later. When I answered the XXXX time and tried to explain that I can not take calls of this nature during work, they attempted to keep me on the phone rather than just providing me with their contact information so that I may contact them when I am not at work. It took entirely too long to get this information from the representative on the phone.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XX/XX/XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XX/XX/XXXX5.XXXX XX/XX/XXXX showing past due XX/XX/XXXX6.XXXX closed XX/XX/XXXX showing past XX/XX/XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MI)

I was notified by email that there would be an update to the system which occurred XXXX XXXX 2015. I checked my account after the update and my money that was previously on my card was gone. I did n't panic thinking that the update was n't over yet, so I waited until my direct deposit went through on the XXXX of that same week and to my surprise nothing, zilch, XXXX, it was then that I decided to call but was put on hold for several hours and when I could n't get through I sent several emails. I then called several other times even staying on hold for as long as XXXX only to be hung up on, and when I finally did get through no one could help me at all in fact the representative seemed to be in the dark as much as I am. Fast forward it has now been 10 days of the same thing, it is now the XXXX and nothing has been done and my money is nowhere to be found. I am extremely frustrated but it feels like I will never see my hard on money again.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AZ)

Did file a dispute with equifax. XXXX believe was confirmation. I disputed XXXX as we agreed the account was settled. They reported paid collection. My credit monitoring showed the item being deleted and then re inserted with different information. The problem is they never notified me within FCRA laws of 5 days. I asked for deletion and they are disputing they said.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In 2010 entered into a Loan Modification Agreeemnt with Bank America who charged me {$17000.00} in fees and costs. This amount is grossly overcharged. I received a schedule of fees and costs for a for {$1900.00} from BofA. The Bank has overcharged me for the sum of {$15000.00}. Bof A has not responded to my numerous complaint and a Respa complaint. This matter is quite straight forward and relies on the Banks own documents. I have attached the documents and my most recent letter. I want the correct sum of {$15000.00} paid back to me via check.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (NY)

I filed a complaint a week ago regarding American Express contacting my spouse without my concent. They then said they took that number off there screen when I called them. I NEVER authorized them to use any other numbers other then the one I provided when opening the account. I want documents showing that I authorized my spouse cell number to be added to my account. By law they should not be contacting anyone or using any numbers i have not provided. So you telling me if I contact American Express from a public phone they going to call that # and release my information? I want all documents and recordings of my calls to be sent to me with American Express paying the expense to send them to me. Or I will have my attorney draw up paper work to obtain that information, then I will go puiblic to social media, news channels, to show them how careless and unprotected american express is with its customers information and privacy. I will fight this till American express admits it screwed up on contacting someone else other then the card older. As a result of them contacting my spouse it caused us to split up, and i will sue for damages if needed.
Consumer complaint received 2015-10-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

When my son entered college it was necessary to have a co-signer. The application indicated I would be the co-owner, which I had a problem with. The loan officer said I would not be responsible for the loan " that is just the way the form is created ''. I asked her if I could notate that on the Promissory Note with her name and she said yes. I wrote down everything she said and sign under the notation, not " on the doted line ''. XX/XX/XXXX my son stop paying his loans on a regular basis, then not at all. XXXX XXXXNavient called my phone everyday, so many times that I stopped answering it. In the beginning I would request a copy of the Promissory Note with my signature so that I could explain why I did n't feel responsible. Each time I received a copy with a computer generated signature. 
XX/XX/XXXX, I answered a call from Navient and tried to explain the extenuating circumstances under which I signed as co-signer and that I would be willing to help my son with his loans if they would just send me a copy of the original note so I could have for future reference if the calls started up again. Because she was collections, she said she would issue the request to Customer Services and if I did n't hear from them to contact them directly. I received another computer generated document and contacted Customer Services who inform me that sometimes these documents are lost. I learn last week that it is a Federal Law that the signature page must be provided upon request. I will probably need legal assistance because I kept my word and have paid on this loan for almost a year but I have never received the document I need. I am turning the responsibility back over to my son and hopefully, though doubtful, he will pay this loan. I still need the document to prove my claim but have been unsuccessful. Please help me obtain this document that I believe we help me clear my name. Thank you.
Consumer complaint received 2015-09-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I took out a payday loan on XXXX/XXXX/15 and it was due XXXX/XXXX/15. I called on XXXX/XXXX/15 and advised I would n't be able to pick up the check on the XXXX and asked if it could be pushed to friday the XXXX on my next payday. I was told no. I was told on the phone and in the office when I got the loan that they no longer send checks to the bank and they go to collections ; so when I called on the XXXX i was given collections number to call tomorrow ( XXXX ). I got an email today that my checking acct is overdrawn. so not only did they go against what they said and their what their contract says, I was charged a {$34.00} insufficient funds fee by my bank because they covered the check I was told would go to collections and not the bank.
Consumer complaint received 2015-10-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I happened to be monitoring my bank account at well fargo bank on XXXX XXXX, I was waiting for a direct deposit to occur. I checked the account several times. At XXXX on XXXX XXXX, 2015 my account became overdrawn, It said that a check posted on XXXX XXXX. That did not happen. My direct deposit came through and I transfered funds before a overdraft fee was charged. 

It has got to be against the law for them to post a check on the day before the actual posting occurred.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (WA)

I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX
Consumer complaint received 2015-08-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

None of the loan servicers/mortgage owners have produced one stitch of documentation, original or otherwise, regarding my mortgage. Currently, I am being bombarded by Ocwen Loan Servicing. They send me notices about everything in the world, except some acceptable resolution. Now that the real estate market has improved, they simply want the property for purely their own benefit. I was caught in a downward spiral as a result of the financial crisis. I have recovered somewhat, but these people refuse to even enter into a dialogue. Any assistance you are able to extend, would be welcome. I am XXXX years old, and find it difficult to fight a large financial institution, by myself. My E-mail address is : XXXXXXXXXXXX. Thank you in advance!!
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (SC)

I have been a victim of identity theft for over 21 years. I am trying to purchase a 3 in 1 credit monitoring product from equifax consumer services, however my attempts have been unsuccessful due to the fact that my file is being handle by Equifax Office Of Consumer Affairs. This department is not helping me to stop the identity thief from viewing and accessing my credit file online. I do not wish for the office of consumer affairs to no longer handle my credit file at this point an time. There services just do n't work. With me ordering the equifax 3 in 1 credit monitoring product, will allow me to better monitor my credit file as well as lock and unlock the file at anytime, keeping the identity thieves out. Please assist me in handling this request as soon as possible please. 
Thank You, XXXX XXXX
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (OH)

We are in the process of losing our home we built. Because of the bank stating after 8 yrs our loan matured. Even though we have signed legal doc. stating we have a 30yr fixed loan with at date of XXXX. The bank wants the payment in full but no one can explain how or why this is happening. They are forcing us into Foreclosure and the latest they ask if we would deed the house back to the bank. We have the house on the market trying to short sale it, our realtor XXXX had it on the market for XXXX. We had an offer but the bank refused the amount and counter XXXX. The buyer did not take that offer. We have had an mortgage specialist tell us we can afford that price but M & T bank will not work with us. After several attempts at a loan modification they approved us, but the payments were over XXXX a month. First all of that is unrealistic and totally unacceptable. They stated refusing our payment and would send the checks back to us. I had to file bankruptcy to stop them selling the house. Then they realized they did n't serve the paper and follow proper rules. I DID NOT go through with the bankruptcy but its showing up on my credit report and It will be a long time before I can provide a home for my family. I have a daughter that just graduated from XXXX XXXX and my other child is XXXX
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

How long can a mortgage company hold an escrow account after a loan has been paid off? I made a mistake when I attempted to pay off my Wells Fargo Morgtage. I did n't call and ask for a payoff balance however, on XXXX XXXX, 2015, I sent the balance reflected on my WF online bank account. On XXXX XXXX, 2015, WF debited the regular installment amount so there was sufficient funds to payoff the account. On XXXX XXXX, 2015, I called WF and the customer service representative said that the bank did n't know what to do with the funds. He acknowledged that there were sufficient funds on hand and proceeded to complete the paperwork to payoff the account. On XXXX XXXX, 2015, I received a check from WF from my inquiry. No one from WF contacted me to inquire what to do with the funds. However, if I am one day late on my mortgage, there is no doubt I 'll get a call concerning why the payment was laWF held my funds over 30 days and made money off of it before they sent me a check. 
Poor customer service