davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-22
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had applied to a Bank of America Home Equity line of credit. During the application process, when I entered in my data to the automated application, it permitted me to go up to 90 % of the LTV, and in my discussion with XXXX XXXX, I provided my information which would move the LTV value to 90 %. At no time did XXXX say anything was wrong with that issue. 

Today, while submitting paperwork, I find my HELOC was denied because Bank of America estimated my home value at XXXX. This estimate is a great deal lower then a XXXX estimate done a week before by a certified estimator. That is suspicious on Bank of America 's behalf. I was also told by XXXX XXXX # XXXX that despite what the mortgage company had on it 's web-site, they never go above 75 %. This is absolutely a bait and switch and an outright lie by Bank of America. I want Bank of America to be put to task for lying to consumers via their applications.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, and XXXX. On XXXX XXXX, XXXX I submitted a request for Appeal on my loan modification.offered on XXXX XXXX, XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XXXX XXXX, XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XXXX/XXXX/XXXX 2. Your " OFFER '' is clearly beyond my means. 
3. There is NO WAY I can afford this payment. 
4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following. 

7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XXXX/XXXX/XXXX, Servicer : XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ). 
( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION. 
9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do. 

Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS. 

As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE. 

I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN INDIE FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: IQOR US INC (IL)

I got into a contract dispute with XXXX XXXX. XXXX broke our contract based on XXXX issues. I rightfully terminated our former agreement for non-performance. Thereafter, XXXX tried to use debt collection agencies to enforce early contract termination fees. Debt is defined as a promise of future payment owed for goods and/or services rendered. 

Early termination fees of a contract agreement rightfully discontinue is a contract dispute not debt for services or goods provided. This is a civil matter not a collection matter. There is no court order. XXXX XXXX is trying to use the debt collection process as a means of extortion rather than hiring an attorney and taking the matter to court which is their legal right and where the issue belongs. I believe they are using this method because they understand they have no legal position. 

Thereafter XXXX XXXX hires a collection agency. The collection agency writes me notice I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. Again, I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. This goes on 6 times. I have attached all correspondence and proof of delivery to each. 

It appears in the middle of this process XXXX XXXX increase the amount owed and changes the account number. Finally XXXX XXXX finds a collection agency that sends no notification " Allied Interstate ''. The agency immediately reports I owe {$410.00} ( and some change ) to XXXX XXXX and gives this information to credit rating XXXX and XXXX. I write a letter to Allied Interstate claiming I was never sent a notification and could they please send me a copy. They do not reply. I write back stating to please send the original notification and I further tell them that I will be requesting XXXX and XXXX the remove this from my record and verify any alleged debt. This would remove any plausible deniability on Allied 's part. Both XXXX and XXXX do so. Thereafter I write to Allied demanding they remove this claim from my credit record telling them, what they have done is illegal ( since no notification was sent and I will report them if they do not ). See all correspondence attached and proof of delivery. 

As of date this issue still remains on my credit record.
Consumer complaint received 2016-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

When my student loan was transferred from XXXX to Fedloan Servicing in 2012, Fedloan refused to honor a year 's worth of payments I made toward public service loan forgiveness because XXXX had me on an incorrect repayment plan. Yet, XXXX acknowledged their error in writing and agreed to count my payments prior to transferring the loan. XXXX also informed me that my qualifying payments should have been accepted upon transfer. Still Fedloan refuses to accept them. 
I have sent Fedloan the letter from XXXX XXXX, but they refuse to acknowledge the payments. In addition, I have contacted the Department of Education Ombudsman 's Office with the same outcome. 
How is this legal? XXXX admitted they made a mistake, agreed to honor my payments IN WRITING ( in fact, they were even honoring more than I expected ... I really only expected them to honor my {$500.00} payments and not forebearance payments, which they also honored as qualifying payments ), and yet Fedloan refuses to allow the payments to count. 
I have been told there are about XXXX of us that this happened to - put on wrong plan by XXXX, who admitted mistake and agreed to accept wrong plan payments, only to have Fedloan deny them upon loan transfer. You can find others with similar stories on the internet, such as the following site where I once posted : XXXX I am attaching all correspondence with XXXX XXXX and Fedloan Servicing ( in order from earliest to most recent ). I also have recordings of conversations with Direct Loans stating all payments should have been transferred and accepted by Fedloan Servicing. 
Your assistance would be greatly appreciated. Without help, Fedloan will succeed in denying me over {$5000.00} in payments that XXXX XXXX accepted. Not to mention, Fedloan is denying an additional {$370.00} payment because they claim I paid it too early. Seriously? And there are countless others like me.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax is reporting a fraudulent account on my credit report and as refused to remove. XXXX Bank is reporting XXXX same account two times which is against FCRA as you know, obviously XXXX Bank does not know that. I have submitted accountable documents to Equifax to support that this XXXX same fraudulent account from XXXX Bank twice, account number XXXX and XXXX Bank XXXX XXXX account number XXXX. This XXXX Bank account is not my account. I have never signed or had any affiliation with this account. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Equifax report again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have already faxed Equifax on numerous occasions a copy of my birth certificate and social security and recently faxed again on XXXX/XXXX/2016 and XXXX/XXXX/16, proof of residence along with other supporting documents to fax number XXXX and I resent again to XXXX XXXX at Equifax at fax number XXXX so it is no reason for Equifax to respond saying that they require this information.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I keep disputing XXXX particular accounts with Equifax that have not yet been resolved to my satisfaction. The XXXX account is a collection account with XXXX XXXX XXXX. Initially when I first saw this item on my credit report, I was unfamiliar with it and almost 100 % sure that I had never dealt with this company before. However, I just went ahead and paid it. This account was paid over the phone by credit card to XXXX XXXX on XXXX XXXX. The amount was {$75.00}, however I paid an additional {$9.00} fee due to the fact I used my debit card. A grand total of {$84.00} was paid. I was assured that this would take care of the debt and the account would be deleted from my Equifax credit file. Unfortunately, it has been over 2 months and this item still reports as an unpaid collection account. I have disputed this item at least twice yet it is remaining unchanged. I have my bank statement and a receipt from the company proving that this account was paid in full. The next item that I have disputed multiple times without resolve is with XXXX. This account is also a collection account. There are several issues with this account. First, this account was removed last year but was reinserted on all XXXX credit files. Secondly, I knew nothing of this collection account until I started doing credit monitoring using XXXX XXXX. I was not familiar with the collection agency or original creditor nor had I ever been contacted by either. I later researched this account by tracking down and contacting the original creditor to determine if this was in fact a valid debt. Upon contacting the original creditor, I did determine that the debt was valid and immediately made payment to the original creditor by phone. Upon a closer look by the representative for XXXX XXXX, it was found that they had the wrong address and phone number for me that is why a debt from XXXX slipped through the cracks. When I was in XXXX, I had so many doctors coming in and out who were not my doctors but they still had fees for providing care to me. This is what caused me to question what was being reported on my credit report. Nevertheless, once I paid the {$210.00} over the phone to the original creditor, I contacted the collection agency and notified them of the payment. I dealt with a very rude woman who did not seem happy that I paid the original creditor. As a precaution, when I saw no changes, I disputed this account information. I even attached a file that contained the receipt from the original creditor. XXXX and XXXX deleted the account but it was still reporting as unpaid on Equifax end. I disputed again but the online system was having issues with my attachment ( receipt ), so I submitted it without the recipt. This time it was updated to paid. However, this account should have been removed from my file because it was reinserted and I had no dealings with the collection agency. This account was removed in XXXX of XXXX and reinserted XXXX of XXXX.
Consumer complaint received 2016-09-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (ND)

I was looking online to get a quick loan for a bill I had neglected that needed to be paid. I selected big Picture Loans. I was approved for {$600.00} with a fee coming to a total of {$800.00}. I talked to the lender over the phone and all that was mentioned was the fee of {$200.00}. I just paid what I thought was my last payment on XXXX/XXXX/XXXX. Making the total {$860.00}. I received an e-mail later on that day that my next payment was scheduled in two weeks. I thought that did n't seem right, and went to check why I still had a due amount. After clicking to review documents I discovered that I was being charged an astronomical amount in 749.4296 % in fees. Making my {$800.00} loan {$4200.00}. I did not agree to this, nor was I informed on such a high rate of interest or I would have not chosen this company. I am beyond enraged that they are getting away with so much of my money. I have paid my due loan of {$800.00} and that should have been that. Not a payoff date of XXXX XXXX for a loan so small.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: GUARDIAN MORTGAGE COMPANY, INC. (TX)

GUARDIAN MORTGAGE company in XXXX Texas and XXXX Texas have mishandled my loan application to purchase a home in many ways, making mistakes, causing delays that cost me money, providing no explanation or transparency for the process. There seems to be a disconnect between the central office in XXXX and the XXXX office. The broker handling my case was careless, making mistakes, forgetting to follow up. The loan officers in XXXX are badly managed and trained. 
The whole experience was frustrating to say the least. I had to send documents several items, the staff were rude and indifferent. 
Avoid working with this company.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SC XXXX
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WA)

Filed disputes against XXXX XXXX XXXX about collections containing in accurate information. Investigation took longer than 30 days and Equifax report as correct by verification through an online 3rd party system and did not speak to original creditor to verify the debt. XXXX was able to delete these same accounts and was unable to get the correct verification so they actually removed them.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (PA)

I used my American Express card to book a international flight on XXXX airlines with the flight originating in the USA. Shortly after takeoff the passenger sitting behind me began to show signs of severe illness. XXXX. I repeatedly asked him to stop and cover his mouth as he was spraying me with his XXXX. After no compliance i contacted a flight attendant who forcibly moved the passenger to a vacant aisle in the back of the plane away from passengers seeing that he was very sick. 

An hour later he was back sitting behind me continuing his actions. The flight attendant ordered him to move repeatedly and then gave up. 

While reporting it in XXXX at the XXXX desk I was told in order to file a dispute I would need to go to the XXXX police and file a report in XXXX which is a lie as the flight originated in the USA. They then cited the contract of carriage however I am pretty sure they are required to ban visibly ill people from flying so was moot and they did n't do anything further. 

I then contacted American Express to dispute the charge. American Express did not follow up and the airline kept my money and severely endangered my health. 

Under US criminal law spraying people with XXXX is classified as assault and in some cases assault with a deadly weapon. XXXX did not ensure my safety and were severely negligent a case has already been filed with the CFPB and American Express 's response was not satisfactory. American express has no right to keep my money per violation of the purchasing agreement which insures my safety during a course of travel. It is inferred by all reasonable means that all passengers are entitled to safety and that the airline staff will take all necessary acrtions. I will be filing a criminal case in the next week against American Express and XXXX. This is clear fraud. 
Issue Transaction issue
Consumer complaint received 2016-06-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am filing a complaint towards the Capital One Bank due to their scams. I have been with capital one for a few years now where there has been a few situations I had to block or cancel my debit card because fraudulent transactions in the past but that is not the reason why I am filing this complaint on them. I am having a major issue with Captial one regarding two payments that were recently made to XXXX and were processed successfully during the time of payment but ended up being drawn back from my bank a week after the time of payment with a denial from XXXX that caused XXXX charge a past due balance for my upcoming bill twice in a row ... .capital one bank withheld the payment on their end. i had filed a complaint via phone to both parties. Capital one bank continuously blamed XXXX for their " error '' with charging double for two payments that were made but were n't processed. I did n't know what else to do, so I just reported XXXX to the XXXX to get to the bottom of this. Finally, I received a phone call from the CEO of XXXX where they were able to tell me that the scandal is coming from my bank after all. I demand Capital one bank to pay for my upcoming balance of {$700.00} to XXXX. I will no longer be a client to such an irresponsible and unsafe bank such as capital one.
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO. (NY)

XXXX was seized without warning in the amount of {$4800.00}. for a credit card that i have no knowledge about. they did not send me any notification but my money was seized from my XXXX XXXX account, by XXXX in New York and New Jersey.. when asked i was informed it was for a credit card i had open with Providian national Bank in 2004.
Consumer complaint received 2016-09-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments and it is showing an inaccurate balance on my Capital One Auto Finance account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month. I spoke with a lady representative during the week of XXXX XXXX and she stated that she was able to extend my loan and that she would call me back with all the details as of XXXX XXXX I have not heard from her and anyone in the Capital One office.