davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

In XX/XX/XXXX I fell behind on my mortgage and racked up some debt due to several visits to the ER and absences from work. 

I reached out to my mortgage company, Freedom Mortgage and applied for loss mitigation. I submitted paper work on XX/XX/XXXX and after some back and forth dialog regarding one missing signature on a document, I submitted the final document on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX stating my application as of XX/XX/XXXX was " facially complete '', and that a final decision is expected to be communicated withing 30 days. 

Instead I received two letters after XX/XX/XXXX, dated XX/XX/XXXX, stating my request for assistance has been received, at this time you application is incomplete, requesting all the documents I had previously submitted. Essentially starting the process all over again and negatively impacting my time line to request assistance and receive the appropriate assistance. 

All the documents requested are documents that were already provided. I believe this is intentional, the customer support team apologized and said they do n't know why, but this happens ALL THE TIME. The words of several customer support representatives. 

This is wrong and negatively and unfairly impacts people looking for assistance during trying times. Again, the items that they are requesting are the same items they described as facially complete.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had my XXXX XXXX/Bank of America Credit Card for XX/XX/XXXX. For the first year, I would call in every month and make a payment on the credit card. I was finally sick of calling in each month so in XX/XX/XXXX when I called to make my payment, I asked if they could set me up for reoccurring payments each month. The man that I spoke with was very hard to understand and there was a little bit of a language barrier. I politely asked him to speak with someone else and he insisted that he understood what I was asking for and he could help me. I asked the man to set up reoccurring payments for the minimum payment due each month. He insured me that he did so, and the conversation ended. Stupidly, I put my trust in Bank of America to put the right people in place to DO THEIR JOB and I did n't check on that card for another four months or so. Because I do n't regularly use that card, I did n't feel the need to check on it. ( Keep in mind ) I have proof that my account was current and all my payments were made prior to this man setting up my auto pay. Long story short, the man that set me up for auto pay DID NOT put in the minimum payment amount, he put in a payment amount that was just under the minimum required amount. So for six months Bank of America has been taking {$40.00} out of my checking account and applying it to my credit card, THE PROBLEM IS that this is not the minimum amount, so for six months my account has been getting charged late fees and interest. I went into the Bank of America office in my city and they could not believe what was going on. They continued to apologize and they called the customer service line for me while I was there. Bank of America acknowledged that they were wrong but they still wanted me to pay over {$400.00} up front to get my account back to current, and then they would credit my account two months later. This is the most ridiculous thing I have ever heard, I 'm hoping and praying that someone can see that this is FRAUD! Recently Bank of America closed my account, but they are still taking out the {$40.00} a month. I understand that mistakes happen, and it was the ignorance and lack of focus of one individual in that company that caused this problem. I also want Bank of America to file a dispute to fix my credit.If this is n't a class action law suit, I do n't know what is.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

On XX/XX/XXXX, we requested Roundpoint to remove our PMI, and requested an appraisal to be done. Being a licensed XXXX XXXX, I am aware of the current comparable sales in the community and was confident that our property would appraise at a point where it would meet the LTV to at least 80 %, given the upgrades we had done. 

On XX/XX/XXXX, an appraiser came to our home to do her appraisal. 

On XX/XX/XXXX, we received a letter from Roundpoint that our request to remove PMI was denied due to the LTV based on the original and current property value does not meet the agency/investor eligibility criteria. It also noted that the principal balance of our mortgage loan has not reached 80 % of the original value of the property. Based on the appraisal, our home was valued at $ XXXX, which is lower than what we anticipated, with a loan balance of $ XXXX. A similar home ( same plan ) backing a street with an upgraded backyard, which we also do, sold at $ XXXX, and another home with the same plan sold at $ XXXX. Our home should have appraised at $ XXXX at a minimum. I called the lender and requested a copy of the appraisal, since I would like to dispute the value it was appraised at. I was told that I should get a copy electronically within an hour. Days passed and did n't get a copy. 

On XX/XX/XXXX, I called the lender twice and requested an electronic copy of the appraisal explaining that I never received a copy from my original request. I was told that I should get it within 48 hours and not after an hour as I was told previously, since it needed to be requested from a 3rd party. I waited and waited, but nothing was sent in my email. 

On XX/XX/XXXX, I called the lender again and mentioned that based on our recent mortgage payment in XX/XX/XXXX, our loan balance has dropped to $ XXXX, and with the appraised value of $ XXXX, we should be able to get our PMI removed. I was told that it could not be removed because it does not meet the agency/investor eligibility criteria of LTV at 75 %. From the time we signed our loan documents for the purchase of our home in XX/XX/XXXX, the PMI was disclosed to be removed when we reach LTV at 80 %. Mortgage servicers must give borrowers an annual statement that shows whom to call for information about canceling mortgage insurance, but we do n't remember having received anything form Roundpoint regarding a requirement of 75 % LTV. This lender was not the original lender we obtained the loan from. It was sold to them shortly after we closed on our purchase in XX/XX/XXXX, from XXXX XXXX XXXX, followed by XXXX, and finally, we ended up being serviced by Roundpoint. 

We are therefore requesting assistance to get Roundpoint to remove the unnecessary PMI from our mortgage payment, as they are currently basing the eligibility from the agency/investor criteria, instead of what we were told when we obtained mortgage loan. Additionally, Roundpoint has not provided us with a copy of the appraisal report, as requested.
Consumer complaint received 2024-11-02
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX 2016 I rented a vehicle in the XXXX, XXXX, XXXX,, XXXX XXXX XXXX XXXX. I returned the car full of gas, on time and I was given a signed bank receipt for certain amount. When I got back to the states and noticed that there was an overcharge of {$130.00}. 
Immediately I called the company in fluent Spanish and I was explained that the charges were for an exchange of a vehicle, that I had asked for since the keyless ignition locked me out, and the particular vehicle had a recall XXXX wide for that problem, and I was told that they charged for that, even though I sent Chase bank a copy of the recall and names of witnesses that helped me tried to start the vehicle. Regardless I sent them copy of the contract showing " free towing '' in which I paid, and was included in the contract. I waited for 6 months without a response and I reminded them of the time elapsed and all of a sudden without contacting the vendor and approaching them on the vehicle recall and free towing, they sided with them. This was fraud and they did not treated as such. 
When I approach Chase, they are very rude about it and do not want to explain as to when they talked to the rental company or what was discussed. I have been defrauded and they did not treat the investigation as such. 
.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2018-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Between XX/XX/2017 and XX/XX/2017, I called Bank of America to close my checking account. During the call, the account was closed and I was told that the remaining funds ( about {$1200.00} ) would be sent to me within 2 to 3 days. After 9 days, I called again to see where my money was. The representative said that the funds arrive between 7 and 10 days from the date of closing the checking account. Now after almost 2 weeks, I still do not have my funds.
Consumer complaint received 2020-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (NC)

I inquired about an installment loan which ended up a payday loan with high interest. Upon paying this off as well as my husbands we could not close the account. Countless calls emails were never returned. They kept the accounts opened and charged us a $ 50 monthly fee. Payday loans are illegal here and NC has a suit against them. 

XX/XX/2019 Trying to charge {$970.00} now
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (OH)

To whom it may concern ENHANCED RECOVERY CO # XXXX is an account that was legally discharged in a bankruptcy USBK COURT XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (GA)

Hello, I 'm contacting you in regards to some concerns I have with the way your employees at your headquarters are handle business practices within your company. I recently applied for a car loan on XXXX XXXX and was given options on my loan based on my consumer report and annual income. When I contacted your reps to verify nothing else was needed, I was told only my license needed to be uploaded and my check stubs just in case your underwriting dept needed them. After uploading these documents, a few days after the holidays I contacted support to get the status. I was then told some information that was incorrect and wanted to speak with a supervisor, after being connected with team lead XXXX in Arizona instead of being assisted with my concerns on what I originally called in about I was attacked with all kind of questions that I felt was unnecessary to ask being the underwriting dept had already emailed me with a few things that were needed to move forward and out of those things I only needed to provide one. XXXX began to ask questions that I felt were inappropriate for him to ask. He also informed me that on a previous application that was submitted months before there was n't any verification done for a fraud alert I have on my credit report, also informing me at the time there was n't one on the report and that 's why the verification processes was n't done. I then contacted XXXX to make sure this was true and it was verified it was n't. After receiving the initial email of documentation that was needed after getting off the phone with XXXX I received another email and suddenly documentation requirements changed. XXXX not only went on Secretary of State to investigate the company but also accused me of not being an employee but the owner! After, I explained that I was no longer affiliated with that part of the business and was just an employee XXXX he continued to find other unethical reasons why they could n't go any further. " The number on the account created with XXXX did n't match the number on my credit report '' even after I verified the number on my report with XXXX he never took the proper measures to verify me which was calling the number listed on my consumer report and verifying security questions. I 'm disgusted with the way I was treated and investigated despite the information I provided and furthermore I feel as though decisions were made based on feelings and not fair business practices. After, resolving that issue XXXX wanted additional information other than the check stubs I provided. He began to ask for scanned documents from the bank even after I provided my check stubs and bank statements from a legit bank institution showing proof of income. After, complying with all his requirements he still refuse to approve my application
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CA)

Creditor : XXXX XXXX XXXX XXXX Credit account number:XXXX southwest reference number : XXXX principal : {$1300.00} discounted amount : {$910.00} letter dated:X/XX/2017 XXXX XXXX XXXX has sent a collection debt on my name to South west credit systems in the amount of {$1300.00}. They offered me a 25 % discount totaling an amount of {$910.00}. I have spoke to them several times and have explained to them that XXXX XXXX XXXX has performed unfair consumer relation practices against me reason being is I cancelled XXXX XXXX XXXX to switch to XXXX. I spoke with XXXX XXXX XXXX prior to cancelling and going to collection to try to resolve this issue but they would n't work with me. They are charging me for cancellation fees, last months dues, and remaining balance of cell phone purchases on my account. I feel it is unfair because of their unfair stipulations and policies they have set forth. I refused to pay them d/t their unfair policies and practices, lack of customer support, and unfair treatment. Another issue is, prior to me cancelling, my sister XXXX XXXX had 2 of 3 lines on her account that were switched over to me. Remaining balances of phone purchases which was 2 of 3 of those  lines were supposed to remain on her account however XXXX XXXX XXXX still put the liability upon me. We spoke to XXXX XXXX XXXX and they told me that the amounts of the phone and charges would stay on XXXX 's account but they lied. Once, we tried calling them to resolve the issue they were n't able to do anything worthwhile to solve the problem.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.
Consumer complaint received 2018-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (TX)

After contacing Stearns Lending Consumer Solutions Department through stearns.myloancare.com and by phone at XXXX 7 times to get them to pay my XXXX property, MUD, and school taxes they have failed to do so and my taxes are now 2 months late. I have called them 7 times since XX/XX/XXXX, it is now XX/XX/XXXX and each time they have told me my taxes would be paid. Each time I have asked for documentation to show that the taxes will be paid and each time they have been unable to do so. I have been told I would be called back twice, both times they did not call me back. I have made every effort possible to make sure my taxes would be paid and they have failed to do so. A professional mortgage servicer should at very least be able to provide documentation that they will pay my taxes on time. The whole point of setting up escrow is to make sure they handle paying my taxes which it has clearly failed to do, they can not even provide a date that I can expect the payment, I simply have to wait until they go late another month before I will know. This is an extremely unprofessional process which has provided no documentation or records, and has cause late payments and undue stress.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late XX/XX/XXXX. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Finance LP (NC)

This account was in bankruptcy until XX/XX/2018. Selene finance said that 3 payment were late not true and in XXXX of this years they said XXXX payment was late also not true. Need this investigation fone one this company bad business
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Experian Credit Reporting service debited my monthly membership ( {$21.00} ) 14 times in one day on XX/XX/2018for {$300.00}.

I called to complain ( where i was in hold For almost 1.5 hours ) and was subsequently promised refund in 2-5 business days. Following week no refund. Then i was finally refunded but for only 12 of those debits. I XXXX my issue on social media ( XXXX ) where i receieved a generic response. Direct messages on twitter followed where i was directed to email their billing address. Then a week later another debit from my account. So that is 15 times in one month.

I have emailed twice now requesting a refund and to cancel membership but no reply. Today there have been a further two debits from my debit card from experian!

I have tried calling today and there was an esimated. 3-5 minuts wait time. I have been waiting on hold form1 hour 21 mins so far!

They have now debited almost {$400.00} from my bank in 1 month. I can not cancel, can not reach anyone to help and i want my money back!!! This is surely a crime?
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I am trying to transfer money to my wife Citibank account. I am explaining to the rep something is wrong with the website and app. I explained to them I can not clear the browser on a Federal Government computer. I am asking for the routing number rep is refusing to provide me with the bank routing information.