davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Myself and my same-sex partner are currently in a 30-year fixed FHA mortgage. In XXXX, we were originally contacted by PennyMac to do an FHA streamline refinance because rates were favorable. After talking with the sales agent, we decided to apply for a 30-year fixed conventional instead in order to save having to pay MIP. We were verbally told over the phone that the underwriter did not find the evidence of extenuating circumstances sufficient enough to forgive a foreclosure that happened 6 years and 11 months ago - 1 month away from 7 years when it would drop from my record entirely. I then asked the sales agent if we could go back to the FHA Streamline Refinance and he said " Yes - and it would still lock in your very low rate ''. Later that same day, he copied me on an email to the loan processor and underwriting requesting that my application be switched to the 30-year streamline. 2 days later, we signed the application and loan disclosures for the FHA streamline at a 3.25 % rate. We submitted all signed documents a couple of days before the XXXX XXXX elections in the U.S. Our rate was locked until XXXX. However, shortly after the elections, mortgage interest rates went up considerably and quickly. We did not hear back from anyone at PennyMac. When I finally contacted them a week later, they verbally told me over the phone that the underwriter on the conventional loan DENIED and CLOSED our application so we lost our rate lock. Despite this, I have an email messages that asked the underwriter and loan processor to CHANGE our application - which were sent on the day we were verbally told we were denied. I have YET to receive any documentation in WRITING of our denial / cancellation and the reasons given. Whenever I 've inquired why the loan processor and underwriting did not follow the instructions requesting to switch to an FHA Streamline, I 'm given an " I do n't know '' answer and that the issue would be escalated to management. The sales person, of course, offered to start a new application but since market rates have gone up since we originally applied, the new rate offered was 4.125 %, not 3.25 % which we had originally locked. I suspect that PennyMac is failing to comply with fair lending practices because interests rates rose by almost a full percentage point after the election which was considerably higher than I had " locked in ''. I asked that the issue be escalated to upper management and that I receive follow-up explanation and written documentation. That request was processed on XXXX/XXXX/XXXX ( per email from sales agent ). As of the date of this complaint, ( XXXX/XXXX/XXXX ), I have received no resolution, no explanation, and no denial / cancellation documentation.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CT)

Shellpoint mortgage is showing we are late on our Mortgage and threatening to negatively affect our credit when we are not late and have never been late. We have corresponded with them over and over again showing them the cancelled checks and proof that all payments since the inception of the loan have cleared our bank account along with the original note and closing statement and they still send us letters showing us as late and will not correct their records even though we have provided proof we are not late. We have sent them certified mail, emails and have spoken to them and they still send us letters showing we are late. They deny receiving the certified letters that we have proof that they signed for. We can attach all correspondence with them showing they are being negligent in this matter and we as consumers should not have to be put this.
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NJ)

This number calls me repeatedly every day. They do not leave messages and I have not received anything in the mail from them. They are harrassing me. I XXXX the phone number they tell me to call back and apparently its from XXXX???? and the company is sunrise services.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened an account with Citibank last year with the understanding that I would receive a {$400.00} account opening bonus after meeting certain requirements. I confirmed with the call center in the bank that I met the necessary requirements to open my account ( which included depositing and keeping {$10000.00} ). They were not able to confirm the date that I would receive my bonus. I have called back multiple times and either been on hold for too long ( 1 hour ) or been given unclear information. When I 've called the bank, they 've taken 25 minutes or longer, including transfers to supervisors, to even locate the promotion on my account. The promotion code itself was never given to me, as I signed up for this online. 

I would like your assistance in retrieving this reward. Thank you.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

The loan I secured in XXXX for my home was with XXXX. It was a 10-year interest only loan converting to an ARM based on the LIBOR. I just received notice from Ditech ( the fourth lender since XXXX ) of the amount of my new payment beginning XXXX XXXX, XXXX. I do n't have a problem with the interest rate going up because I understood that from the beginning. What I am now discovering, however, is that the amount applied toward principal is less than the previous year which leads me to wonder if the method they use for amortizing the loan will ever bring the balance to zero. 
In conversations with various lenders about refinancing with XXXX, I 've been told that I would have to go through my current lender because I continue to need a no doc/stated income loan as I am self-employed with XXXX credit scores. I have been told by Ditech that there are XXXX problems with refinancing with XXXX. The first is they are showing ( incorrectly ) that my home is a multi-family home even though I have confirmation and verification from my county tax office that it is a single family residence. 
Secondly, Ditech is stating that since I have an Alt-A loan, they can not put me in a new loan that will raise my payment. In other words, I could not convert to a XXXX or 20 year fixed interest rate loan even though that would be in my best interest because my payment would go up. This notion is somewhere between hypocrisy and irony in that my payment continues to go up each year with my current ARM and could go as high as 10 %! 
My concern is that there may have been unscrupulous business practices on the part of XXXX and unwittingly continued with Ditech. 

As mentioned, the original loan was a no doc loan since I 'm a self-employed XXXX with excellent credit scores. That has not changed, however, I am now XXXX. I 'm hopeful there is a no doc XXXX or some instrument that would not be starting all over again with a 30 year mortgage - or possibly modifying my loan.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach inXX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Moreover, they must provide financial compensation for those affected to fund credit monitoring services like XXXX to provide ongoing protection of priceless, irreplaceable personal information.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I saw the checking account cash offer on the internet and I opened a new checking account with Capital One 360. Then I called in to confirm with the representative to make sure the offer is valid. The service personnel told me the cash offer {$400.00} is valid as long as I have XXXX direct deposits within 60 days. Now I have satisfied the requirements by making XXXX continues direct deposits. Today I talked to the customer service again and they told me that the cash offer is no longer valid. This is really bad customer experiences with Capital One 360 because they told me the previous customer service did not put notes in the system.
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (OH)

In XX/XX/XXXX I purchased a XXXX from XX/XX/XXXX. Our credit was pretty bad at the time, and foolishly we signed for a high interest loan on this car. We have paid $ XXXX since the purchase date. Payoff right now is {$20000.00} plus on an {$18000.00} car! Not one dime has went toward the interest. Every cent has been going to the interest. They refuse to let me talk to someone to tell me why, and make excuses for why it is all interest. There is no possible way to get out from under this loan, or even come close to paying it off. We have had probably 20 car loans during the course of mine and spouses lifetime. NEVER have we ever had a loan where the principal continues to grow, no matter if we were late, early or on time! Please help us!
Consumer complaint received 2017-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (TX)

last year I filed a complaint about this debts collector, they put this negative outstanding debts on my  XXXX  report, I dispute d this debt an they remove it after I filed a complaint with CFPB. This debt was paid 1 year ago in my Doctor office they turn around an put it on my  XXXX  report. " CFPB '' complaint history you 'll see the complaint was file one year ago.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC (WA)

My wife and I applied for a mortgage loan last year with  XXXX   XXXX  at   XXXX   XXXX   in  XXXX , WA. After providing all my paperwork, I was approved for right around {$240.00} on a Conventional Mortgage Loan. I began working with an agent names  XXXX   XXXX , who assisted me with finding a property. The home we found was listed for {$240000.00} but we needed our closing costs paid so we offered {$240000.00}. This was a push on my file and debt ratios and I barely qualified. When my wife and I saw the monthly payment, we immediately expressed grave concerns to ou r Loan Officer and Real Estate Broker  and said we werent comfortable with it. Regardless, they continued forward with the process and ordered the appraisal while assuring us that we would be fine with the payment. After attending the required class for Homebuyers using down payment assistance programs, I learned more about mortgage loans and the importance of not putting yourself in a position where youre house poor. After much consideration, I reached out to  XXXX  and  XXXX  and told them that if the payment could not be reduced I was not comfortable going forward. Instead of working with me on it, they sent me a form to sign and said I would not be getting my  Earnest Money  back.     My wife and I feel it is unfair that we lost our Earnest Money of over {$2700.00} because we tried hard to let our Loan Officer and  Real Estate Broker  know ( multiple times ) that the payment was too high. In addition, after signing the recession form and forfeiting my  Earnest Money, I  realized that the lender didnt include the child support payment I am obligated to pay and therefore I should not have qualified for the loan to start with.     We strongly feel that we were coerced into buying a home that we explicitly stated was too expensive for our budget. We feel that our  Loan  Offer and Agent were both using extreme force and ignoring our concerns to get our loan closed and get paid. If you can please address our concern at your earliest convenience we would greatly appreciate it. The loss our  Earnest Money  has been truly devastating to us and we feel it was not warranted. It is our hope that you can assist us in getting it back.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Equifax refuses to adjust the account with State of Oregon Child Support, account # XXXX, from what is currently showing as a monthly payment amount of {$2800.00} to {$0.00}. The correct monthly payment amount is {$0.00}. Equifax claims that it has verified the monthly payment amount, but this is not so. The correct monthly payment amount is {$0.00}, and not XXXXXXXX has refused three times to correct this. See below, which I have cut and pasted from the State of Oregon Child Support Payment History web page : Payment History Log Out Print this page Help : Case Status Definitions Help : Case Status Definitions Obligee : XXXX, XXXX XXXX Obligor : XXXX, XXXX XXXX Case Number : XXXX Court-Ordered Amount : {$0.00} Case Balance : {$1200.00} If you were expecting a tax payment and have not received it, go to Holding Tax Payments. 

If you are a title or escrow company, please contact the Program 's Title and Escrow Assistance Desk for the total owed on a case. 

Pending Payments : {$0.00} Enforceable Balance : {$1200.00} Status : Judgment Office Information : DIVISION OF CHILD SUPPORT XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-05-01
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. (CT)

There are multiple duplicate student loan accounts on my credit report and they ca n't determine which ones are duplicate and original. If they determine the difference between the original ones and duplicate ones they should delete them. It is adversely affecting my credit, making my income to debt ratio much higher than it is. I have been refused for a mortgage because of this problem
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express refuses to refund me on a fraudulent transaction charge. I disputed a few transactions from XXXX totaled {$110.00}. Those money where taken from my account by XXXX XXXX. The product that XXXX delivered was inadequate. XXXX itself wants to keep my money offering some " credit '' which I do not want. Thus I claimed American Express to refund me on a fraudulent sale through XXXX. I do not authorize that transaction. The dispute with American Express was filed weeks ago. My money is still not refunded.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

I am writing to dispute a situation  with Wells Fargo. They are reporting a negative home equity line of credit account to the credit bureaus of  XXXX  and  XXXX . It is p ast the  XXXX  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  Wells Fargo account on the credit bureau reports. I am disputing items and requesting written documentation from Wells Fargo  documenting payments made from  XXXX  to   XXXX   as well as multiple consistent 120 day late entries from  XXXX  to   XXXX   I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NJ)

Amex continues to decline my request to remove the account which I am no longer an authorized user in the XXXX report. 

I was added as an authorized user originally but the account owner closed the account, so it should not be reported on my credit report any more as I am not financially responsible. I was able to remove these accounts by submitting a dispute to XXXX and XXXX ; however, it did not work for XXXX and XXXX advised me to contact Amex. 

Amex Credit Bureau XXXX kept referring to 'legal reason ' or 'Fair Credit Reporting Act ' as a reason not to remove ; however, I am not aware of any issue like this and I had no issue removing my other accounts where I was added as an authorized user from XXXX and XXXX. Amex even told me to write a letter to their legal counsel if I want to get an exact legal answer and I do not feel this is an appropriate way to handle this simple request. 

Please help me remove this account from my report.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Other — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/XXXX has sent out an announcement that they are changing out consumer 's current credit card with a new TRIO Rewards card ( same credit card number ). This credit card will come with a XXXX % to XXXX % interest rate. My current card that I have had since XX/XX/2004 is at XXXX %. Does this sound like something I would be interested in. Absolutely not. This is how I can keep the card that I have at the XXXX % interest rate. Close it! Pay on the past charges at XXXX % and open a new card XXXX same credit card number ) at the XXXX % to XXXX % interest rate. Does this sound acceptable? Not to me. If I can not keep my card with the XXXX % interest rate XX/XX/XXXX will be loosing my business. Evidently it is legal for them to do whatever they want when they want but to, after XXXX years with the same interest rate, adjust my rate because I did not do anything wrong is unacceptable. I am expediting my complaint thru XXXX at XXXX different complaint points and wanted to go thru cfpb to also insure that my voice is being heard. My attorney suggested that I go to this site and file a complaint.
Consumer complaint received 2017-01-04
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: F&L Marketing Enterprises LLC (VA)

On XX/XX/2017, XXXX, contacted my reference. She informed the reference that I had applied for credit. She used other misleading statements that gave my reference the impression I was attempting to open a new account. The employee also asked her to verify that I recieved my income via military retirement pay. This made my reference feel uncomfortable. The employee also asked my reference if she trusted me. I feel these aggressive and misleading collection practices are unnecessary for a loan that is XXXX payment past due, with a total balance of XXXX. The company employee also calls several times a day, leaving a voicemail each call. I attempted to resolve the matter with the employee on XX/XX/2017. She was rude and informed me that it was company policy to tell my reference my personal information about the debt. I informed her that a general verification of my name, home address, and phone number should have been sufficient. I feel that my references should not be told my source of income, the amount of the debt, or questioned about their level of trust.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.