davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of america keeps over charging me for overdraft fees although i called them and told them im going through a divorce and XXXX  XXXX XXXX issues i got charged XXXX since XX/XX/XXXX alone although i told them to stop any automatic payments which they did not they told me they cant stop any transactions or stop the fees ..then they told me i can put money in the account before XXXX XXXX ET but when i put money in to try and cover some transactions they apply it towards large transactions and hold smaller ones and charge over draft on them. i tried to communicate with then they refusing to help they say im over my overdraft allowance .. im like yea because of my severe circumstances. in the past i may have over drafted like 1 or 2 times in my life but my XXXX XXXX XXXX XXXX and i dont qualify for state income help.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NM)

Yes I got an alert from XXXX XXXX saying I had some hard inquiries recently. The two I do not recognize or did not give consent were both on XXXX XXXX, 2017 from XXXX and XXXX. I 'm not sure where they came from or how they obtained my information. I did not authorize them to access my credit report.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION continues to report one of my account XXXX XXXX XXXX as included in BANKRUPTCY the account was never in BK and I do n't even have a BK on my report. I contacted the creditor and they stated that its not them reporting the derogatory mark on my report. This is going on the 4th month now and I will be seeking legal against TRANSUNION. Also i requested that unauthorized inquiries to be removed XXXX response to me is they do n't investigate inquiries. TransUnion will not help at all. According to FCRA any mistake must be investigated.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

EXPERIAN CREDIT REPORTING AGENCY ... I HAVE A DISPUTE ON MY CREDIT REPORT ... AN ITEM IS OVER 7 YEARS 6 MONTHS outdated I advised must be deleted per FAIR CREDIT REPORTING ACT..per Experian file XXXX it remains on my credit file..i am being denied new credit and fair employment and housing because of the information on my credit report that is outdated and negative information. I want Experian to remove ALL outdated negative information in my credit file per the fair credit reporting act.
Consumer complaint received 2017-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lustig, Glaser & Wilson, P.C. (MA)

XXXX XXXX XXXX, amount for {$2600.00}. I have sent XXXX XXXX XXXX, XXXX a debt validation on XX/XX/XXXX and XXXX XXXX XXXX, XXXX did not respond to my demand. I then received a court letter from Lustig Glaser and Wilson, P.C. stating I was being sued. I have no knowledge of this debt.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On Monday, XX/XX/XXXX, I checked my account balance and realized that I was missing over {$800.00} as noted below. When I checked my online balance it showed the following activity at XXXX XXXX. I placed a call to Bank of America to dispute the charges. The Bank of America representative stated I would have to wait for them to mail me a dispute form. The dispute form never arrived, so on XX/XX/XXXX and XX/XX/XXXX, I faxed a letter disputing the charges. Initially, I was told that a provisional credit would be issued within 2-3 days of receiving the dispute. Now, I have been told that the bank does not have a time limit to issue a provisional credit. I 'm attaching a copy of their error resolution policy that contradicts the information I am receiving from the representatives. Additionally, they are now claiming it may take 90 days to resolve the dispute. I look forward to your resolution and any possible understanding explaining how the charges were illegally extracted from my account and the funds redeposited into my account. 

LINE ITEM CHARGES -- ALL THE DEBITED AMOUNTS OCCURRED ON XX/XX/XXXX XX/XX/XXXX ( {$210.00} ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$210.00} ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Decline Fee, XX/XX/XXXX ( {$2.00} ) ATM Decline Fee ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00}  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I looked at my credit report on XXXX/XXXX/XXXX to see an account in collections, XXXX XXXX ( XXXX ), reporting an account to collections that I have never heard of before. 

I am in the process of purchasing a home and do n't think its fair that a company reports an item on my credit report without providing any written notices to dispute it. This is in pure violation of section 809 ( a ) of the FDCPA : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- '' I have the right to sue this company for improper adherence to the laws that govern them.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (TX)

The Loan Estimate ( Good Faith Estimate ) disclosed estimated property taxes for the LENDER ESTABLISHED escrow period to be collected at Settlement of the loan. 
The GFE- LOAN ESTIMATE - disclosed 10 months {$350.00} a month would be collected at Settlement on the HUD 1 ( {$3500.00} ) Closing Discclosure for XXXX property taxes. 
12 CFR 3500.17 ( c ) ) ii ) affirms property taxes may be collected from the date the property taxes were last paid until the date of the first payment for the escrow account for the escrow period. XXXX was the date established by the lender as the first month for the escrow period. Per Regulations, the lender was allowed to estimate for the GFE and collect on the Closing Disclosure ( HUD-1 ) charges from when the property taxes were last paid ( XX/XX/XXXX ) until the month of the first payment into the escrow account in the established esrow period by the lender-XXXX .XXXX TEN ( 10 ) MONTHS FOR XXXX PROPERTY TAXES ; XXXX XXXX XXXX The estimated property taxes for XXXX were XXXX..XXXX and paid by the lender as {$320.00} per Texas Property Tax Code 28.01. 
Should have disclosed 10 months @ {$26.00} per month for XXXX property taxes- {$260.00} for the GFE and the HUD-1 to be collected at Closing. 

Why was the lender allowed to collect on the CLOSING DISCLOSURE- ( HUD-1 ) an EXCESSIVE amount of XXXX property taxes. HUD-1 ( Closing Disclosure ) the lender disclosed {$1500.00} was collected at Closing- Disclosed as {$3500.00} on the GFE Loan Estimate and {$1500.00} on the Closing Disclosure- HUD-1. 

WHY the unreasonable difference on DISCLOSED loan documents? 
Each amount disclosed was not accurate by facts from the XXXX XXXX. 

WHY was the lender allowed to NOT DISCLOSE XXXX property taxes on the Loan Estimate or on the CLOSING DISCLOSURE. TO THEN REQUIRE UNREASONABLE INSUFFICIENT DEPOSTS TO DISBURSE INACCURATE PROPERTY TAX CHARGES FOR XXXX NOT DISCLOSED ON THE LOAN ESTIMATE OR CLOSING DISCLOSURE? 

12 CFR 1024.38 ( 11 ) requires WRITTEN EXPLANATIONS AND CORRECTIONS FOR ERRORS DESCRIBED in the Error Notices ( QWR ) submitted XX/XX/XXXX and XX/XX/XXXX within time restrictions of SUBMITTING QUESTIONS REGARDING THE LOAN SERVICING, WHICH HAVE NOT BEEN, WERE NOT ANSWERED BY THE LENDER/SERVICER IN A LETTER FROM XXXX XXXX, WHO WAS NOT THE LENDER OR SERVICER OF THE LOAN. 

WHERE ARE THE FINANCIAL PENALTIES, FINES, CORRECTIONS FOR THE INVALID NOTE AND SERVICING ERRORS IN THE NOTE BY THE CFPB to be assessed by the Bureau? 

Where are my WRITTEN COMPLETE AND CORRECT ANSWERS to THE QUESTIONS IN THE QWR 'S REGARDING AGGREGATE ACCOUNTING ERRORS AND DOCUMENT COMPLETION ERRORS AND ALL OTHER FINANCIAL COMPUTER ERRORS FOUND IN THE INVESTIGATION BY THE LENDER OR REGULATORS AS AFFIRMED IN 12 CFR 1024.35 ( b ) ( 11 ) Evidence of receipt of the Error Notices ( QWR ) by the servicer in the time period has been provided but is available.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian is all over the place with my Fica score it need to be updated and reflect the same as thing as XXXX and XXXX SCORES ARE DIFFERENT ON EVER SINGLE AGENCY OR COMPANY I PULL PLEASE UPDATE IMMEDIATLEY,
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

Caliber Home Loans mislead me regarding their claims disbursement process regarding property damage loss. This misleading, resulting in me paying for repairs to my home that my homeowner 's insurance company provided funds for, prohibiting me from affording my mortgage payments. Caliber Home Loans has breached their implied covenant of good faith and fair dealing.

After suffering damage to my home, my homeowners insurance company paid {$5200.00} to make the repairs. The claim funds was made payable to myself and Caliber Home Loans. The original contractor I was working with was no longer willing to accept payment according to the Caliber Home Loans disbursement process. As a result of this change in contractor, I informed Caliber Home Loans that I would have to pay these contractors using my personal financial resources. 

After having the 50 % inspection, I received a check in the amount of {$980.00}. 
Previously a Caliber Home Loans Loss Drafts Department employee told me that after having the 50 % inspection, they would release 50 % of the remaining funds, followed by a 75 % and 90 % inspection and the remaining funds would be released similarly. This was n't the case, they claim that they meant that after the 50 %, they would release another 25 % disbursement so I would have received a total of 50 % disbursement. As a result I had to pay general contractors out of pocket without receiving full reimbursement from Caliber because they released an amount lower than expected.

Due to the severity of the property damage, and without the insurance money, I was forced to continue using my own financial resources to repair the property ; preventing me from having the funds to pay my monthly mortgage payment to Caliber Home Loans Despite me submitting letters and receipts showing how much money I had paid out of pocket, and as a result of paying the general contractors out of pocket, I have not been able to make my mortgage payments, and Caliber filed for foreclosure as a result. I have contacted Caliber Home Loans rega
rding this matter on the following dates : 1. XX/XX/XXXX ( phone call ) 2. XX/XX/XXXX ( phone call and letter ) 3. XX/XX/XXXX ( letter ) 4. XX/XX/XXXX ( letter ) 5. XX/XX/XXXX ( letter ) 6. XX/XX/XXXX ( letter ) 7. XX/XX/XXXX ( letter ) There attempt at resolution was to have me file for another loan  modification. Why should I have to do that because they made a mistake in their communication and I stuck to the loan terms by having the repairs made to the property, despite not receiving the loan proceeds that they are holding XXXX.
Consumer complaint received 2017-12-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC (TX)

My husband and I closed on our VA Mortgage with Eagle Home Mortgage on XXXX XXXX, 2017. We have a close agreement to provide pay stubs from my husbands job at XXXX for the week ending XX/XX/XXXX and XX/XX/XXXX. During the loan process prior to closing the first pay stub submitted for evidence was in PDF format because my husband had a paper check that week. The following weeks we sent a screen shot from his computer at work instead of a PDF copy. I asked the loan processor if it was acceptable and she said yes. All pay stubs after were sent as a screen shot from his work computer and sent on time per the agreement. 
My husband is in training in his job. He does not have his own computer. The computer he does use does not have the ability to print, or convert to PDF, or email. After closing, Eagle Home Mortgage has been telling us we are not meeting our agreement by not providing PDF copies. In the signed agreement it does not state the format has to be PDF and I asked several times for them to point me to the regulatory requirement that says the statement has to be printed in PDF.  My husband also suffers from a XXXX XXXX XXXX from XXXX and while Eagle Home Mortgage may think they are providing simple instructions, it does not work that way with his XXXX. Also, if Eagle Home Mortgage required the paystubs in a specific format, that should have been clearly stated in their agreement and not left open for interpretation. When working with people with XXXX XXXX you have to be very specific on the ask or the individual reading it does not understand. I believe they also may be in violation of the Americans with XXXX  Act by not providing an agreement in clear,  usable format for his XXXX. 
Eagle Home Mortgage is going down the process of saying we are not meeting the agreement and will take action to force us to default on our mortgage loan by requiring the balance to be paid for in full immediately. What seems to be happening at Eagle Home Mortgage is my file was selected for a quality control review. The loan processor failed to follow their internal policies with the format of paystubs and rather than taking the hit on not meeting their own requirements, they are penalizing my husband and I for their mistake.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am a single mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we  can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (ID)

My son left his apartment in XXXX XXXX at XXXX XXXX 2 months early that I had cosigned for him. A company called IQ Data INT was calling me day in and day out and when I returned a phone call back to them they were very rude when I told them they needed to be calling my son who was the actual contract holder and I was just the cosignor. They refused to call him stating I was in charge of this bill treating me like a child stating do n't you know what a cosignor is means you owe the bill not the person who signed the contract first or who was staying in the apartment and on and on. I even spoke to the supervisor and he stated that if I did n't pay this bill I would get turned over to collections and reported as I refuse to pay. I told him I never once said I refused to pay this bill you ca n't illegally report something. I told you to call my son to set up a payment plan. I had my son call them and they refused to speak to him stating his name was n't on the lease. I called XXXX at the apartment complex who was in charge of turning this over to IQ Data to collect on the bill and she stated she has no idea why they would n't speak to my son because he was the contract signor and I was the co signor. XXXX said she emailed them and told them to make sure his name was on there and if not add it so when he calls they speak to him directly not me. When my son tried to call back they were still very rude and refused to speak to him. I called back and they said XXXX did not send them any email and they were only going to deal with me paying the bill. I told them I 'm not paying this bill my, it 's my sons and you need to talk to him but if it were to get paid off in full what would the amount be they said they could give me a 20 % discount because that 's what the apt complex allowed for them to do. I told them I 'm not going to pay that I know for a fact you can take less to make this as satisfactory, paid in full. They said no we wo n't. You can pay that amount or not. I told them I was going to call XXXX back and deal with this bill through her as there tactics to trying to force you to pay this was not going to work with me. They said go ahead do whatever. Good luck and hung up on me. I called XXXX back and told them they still refuse to talk to my son and I would no longer deal with that company but her directly to get some sort of payment plan in place or this bill paid off. She told me she would not do anything. I would have to deal with IQ Data about this bill. I have received NOTHING in the mail about this bill or even who IQ data is. I am now taking this matter further to anyone necessary about how this company acts and talks to the client who has the debt owed.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

In XX/XX/XXXX a credit card purchase of {$1900.00} was made with the Best Buy credit. I was paying my monthly minimum credit card on the Best Buy credit on-time. My minimum could increase from time to time. And then in XX/XX/XXXX, there was an interest charged of {$120000.00}. 

I called and asked for according to them credit was to have been paid in full within the 24 months or that it would be subject to to the interest for the financing of that purchase. 

Now they are sending me bills for over {$200.00} and charging my account {$37.00}. I told them I could not afford such amount and advised that account be closed, which they did but are still charging interest and late fees. I asked that I was willing to pay $ XXXX monthly but they needed me to pay more and typically even as I pay, these charges are being applied.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Retrieved a credit report XX/XX/XXXX and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to Experian, XXXX and XXXX on XX/XX/XXXX around XXXX-XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to Experian on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX,  XXXX on XX/XX/XXXX at XXXX. To date, I have received updated personal information reports from XXXX and XXXX. I have not received any notification from Experian. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XX/XX/XXXX.  There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX ( stars and stripes ) in the latter part of XX/XX/XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XX/XX/XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Card Services ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.