davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 

" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in XXXX XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.
Consumer complaint received 2015-05-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was told by Bank of America that they could not apply any payments because the house was in foreclosure. My conversations with BofA started on XXXX XXXX, 2015. The Notice of Default was not issued until XXXX XXXX, 2015. BofA received a payment of {$800.00} from me on XXXX XXXX, 2015 and had {$360.00} in a holding fund from a previous payment. When I talked to BofA on XXXX XXXX, 2015, I was told that no payments could be processed because the loan was in foreclosure. Had they processed the payment, the loan would not have gone into foreclosure and fees would not have been assessed. I sent BofA a cashier 's check on XXXX XXXX, 2015 to cover lawyer fees, foreclosure fees, and unpaid mortgage payments although I believe I should n't have to pay any of these fees. 

I received a document in the mail from XXXX XXXX XXXX XXXX XXXX in XXXX 2015. I called BofA to ask if this was a part of the foreclosure information. I was told by the person I was talking to that they did n't know who XXXX XXXX was and BofA was not associated with this company. XXXX XXXX is the company that filed the notice of default but because of the conversation with BofA, I thought it was some sort of scam. Today I asked my Account Manager, XXXX, to please fax me a copy of the Notice of Default. She faxed me a letter from BofA that is not the Notice of Default. I have attached the Notice of Default and the letter that XXXX says is the Notice of Default. If the person helping me does n't understand what the legal documents are, how am I supposed to receive quality information and help from BofA.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (FL)

I HAVE WAITED XXXX MONTHS TO RECEIVE MY REWARDS FROM XXXX BANK AND HAVE COMPLAINED TO THE CFPB AND BBB .I RECEIVED A LETTER FROM XXXX XXXX PRES. OF BANK THAT I WOULD RECEIVE MY REWARDS WHEN MY STATEMENT PERIOD CLOSED XXXX XXXX. I SPOKE TO A CLERK AT THE BANK, XXXX, WHO TOLD ME THE REWARDS WOULD BE POSTED TO MY ACCT.ON XXXX. I CALLED THE BANKTHIS MORNING AND THEY TOLD ME I HAVETO WAIT AN ADDITIONAL XXXX WEEKS.
Consumer complaint received 2015-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

For nearly two months I have been trying to get final approval and a closing date from Citimortgage, a division of Citibank ( Citi ), for a {$60000.00}, 15-year fixed refinance. It has been most frustrating and costly. I was given initial approval on XXXX/XXXX/2015. Initially the bank moved very quickly. Within a week, we had an appraisal for {$310000.00}, which was approved on XXXX/XXXX/2015. 

Then XXXX XXXX, the loan processor, stated that the money I was using to pay down my original mortgage with my current bank had to be liquid. I had it in brokerage accounts, an IRA, and a brokerage savings account. I wanted to move all the money into my brokerage savings account, but XXXX XXXX said that was n't good enough. The money had to be deposited into my current bank 's checking account, which I did immediately. 

The money was deposited in early XXXX. From that point on, things ground nearly to a stop. Since the money was deposited in XXXX, it did not show up on my bank 's XXXX statement. I had to get a partial statement from my branch, which Citi would not accept. I had to fax copies of my withdrawals from my brokerage accounts, etc. 

I kept emailing and calling Citi trying to get confirmation and a closing date. But they never responded directly to my questions. When I asked if they needed anything else, it would be several days before they would get back to me. 

To make a long frustrating story short, I have had nearly {$65000.00} withdrawn from brokerage accounts and sitting in a XXXX checking account without any interest at all. I have lost perhaps {$1000.00} - {$2000.00} in possible stock market gains and dividends over the nearly two month my money has been tied up. Also, the refinance rates have increased XXXX to XXXX points above my locked-in rate, which expires in about a week XXXX/XXXX/2015. If Citi takes longer than that date to set up my closing, it will cost me thousands over 15 years. 

I have attached copies of emails between Citi and myself from the beginning to the loan process XXXX/XXXX/2015 to the present. You will notice that from about XXXX XXXX to the present, I was actually " begging '' them for information and status updates. This is absolutely unfair. Citi does not follow a " good faith '' process. What they mean by " good faith '' is I, the borrower must be in good faith but Citibank, the lender does n't. 

If I go to another mortgage company, I will lose additional points on my credit score and will have to pay a higher interest rate. 

Please do whatever you can to make Citimortgage honor my locked-in rate and bring this refinance to a swift close.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I continue to dispute an invalid lien labeled under ID # XXXX with Transunion. My initial dispute was of XXXX invalid and prematurely placed liens in the public records section of my file and one was removed but not the other. These liens have been removed as they were joint liens with another indiviual who has since cleared and removed them from his reports as well. Yet, TransUnion keeps denying me a proper investigation and the proof of verification which I requested via certified mail, such as the descriptions and the procedures used to verify the liens that have since been removed from my file at the clerks office. They deny me any documentation and though they have deleted XXXX lien they refuse to remove the XXXX invalid one. XXXX has already deleted XXXX liens because they are unverifiable and no longer on record at the county clerks recorders office. So how does Transunion have the ability or the evidence to keep this lien on file when I have informed them many times that it needs to be deleted from my file and the public records section of my credit report with them. Please, can the government assist me in holding them accountable for denying me my right to an accurate credit report and a proper investigation? Transunion continues to ignore my correspondences and refuses to provide me proof and yet they deleted the other lien and XXXX deleted both. It is very hurtful and I have to spend so much money fighting them on this invalid and unverifiable lien on my record while the other bureaus remove them without hesitation. Please help me.
Consumer complaint received 2015-06-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (FL)

I have insurance, the insurance company said the hospital messed something up and that I was not responsible for the bill. They also said the hospital needs to figure it out. I explained this to the hospital and they said ok. Then I started getting the debt collector calls, I have asked them to stop calling and explained the conversation I had with the hospital. They start getting angry and loud saying you owe this money, etc. today after telling them to stop calling they kept talking until after the XXXX time me telling them to stop calling and that 's when they said goodbye and hung up.
Consumer complaint received 2015-10-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

My accounbt has been attacked by a company multiple times ( 8 ) in one day and multiple times ( 19 ) over the last few months especially. It happened also, a year ago and the compnay changed their name and did it again. There was XXXX company names that have tried to withdrawl ACH debits out of my account doing multiple times with less and less amounts at least 3 times in one day upto 8 times in one day. Each time I found out, I have called the Navy Federal Credit Union and they tell me to send in the request form to receive the return item fee charges that they have charged me each time it occurred. In the last 3 months, I have been charged {$550.00} in return items costs. I have faxed in the forms, and they tell me they did n't receive them. I went into the branch on XXXX XXXX, 2015 and they filled out XXXX forms for the charges and turned them into the deptartment that handles that amount. They refunded me {$200.00} and told me they were not going to give me the rest. I worked with XXXX and he said that he would get me the funds back, but now, on Monday XXXX XXXX, 2015, he said they ca n't. I then requested the reason for denying me in writing and they have refused. I went into the Branch again on Tuesday XXXX XXXX, 2015 and spoke with the Branch manager, XXXX XXXX at the XXXX, VA XXXX and when I requested again in wrting for the refusal to refund me the fees that they took from my account for a fraudulant company trying to ACH debit my account repeatedly after I had made numerous calls and attmepts to stop this, she said they were still researching it and it would take upto 3 weeks, if they determine to give me the fees back. I requested the elecutronic transmisions from all the attempts made on my account and she told me that there is n't anything to give me. When I told her that they needed to abide by the Regulation E. Electronic Fund Transfer Act, and return the fees to me, because I never authoized that company ( s ) to debit my account, she told me that the law did n't protect consumers against the fees incurred by the fraudulent attempts on my accout. I have re-read the law, and it clearly outlines protection for consumers against the bank fees that are incurred with fraudulent debits. They clearly felt I had fraud against my account ( by returning {$200.00} into my account ), but are refusing to refund me all that was incurred ( another {$340.00} ) with these transactions. I have notified them via, phone, fax and in person, as soon as I knew about the attempted debits starting in XXXX 2015, but they still refuse to follow the law. I really would like someone to make sure that they do n't continue to act as though no one can make them follow the law and enforce regulation on them. I want the rest of the fees of {$340.00} returned back to me asap.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion provided an incorrect credit information to XXXX XXXX in connection with my credit card application thats why my application was denied XXXX times. The incorrect information provided by Trans Union read : " XXXX XXXX or XXXX account ( s ) not paid as agreed. '' The truth of the matter is I do not have an account with XXXX XXXX and XXXX. 
I called Trans Union XXXX and they could not explain why an " unpaid XXXX XXXX or XXXX account ( s ) '' appear in their report. All they could say is that they will mail me a copy of my report. My last call was pick up by Trans Union call center in XXXXand they do not seem to understand the issue. Meanwhile, my credit application is damaged because Trans Union do not take action to correct their inaccurate reporting.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

Citibank would not grant approval for loan via XXXXAsked for utility bill but provided a non working fax number to send this information effectively denying creditEarlier asked many questions over phone by non XXXX XXXX speaker and supposedly got XXXX question wrong but would not tell which XXXX
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

I have lived in my home for XXXX years. In the last XXXX years I have had personal hardship. I lost my business of XXXX years. I went thru a divorce after being married for XXXX years. I also had a bout with XXXX. By grace I was able to keep my head above water. I know have means to pay my bills. I have a loan with Carrington that I am behind on. They are foreclosing on my home. I have funds to pay my monthly payments plus a little more. I have enclosed my bank statements showing I can do so. I just can not pay thousands every month. At least right now. Please help
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have received numerous calls from XXXX among several other numbers but this is the most recent. Several months ago i was receiving these calls also but I impolitely told them DO NOT CONTACT my family as they have recently done also. They did not call back until today. They contaced my mother and stated it was urgent I contact them that they are just trying to help me. I decided to call them back. They claim to be XXXX out of XXXX, GA. They went through this whole spill and sounded legitimate so without thinking this through obviously I gave them my card number to pay the debt because I in fact owe this. After I did this, I then recall my previous conversations with them several mos back and they were rude and making sound as if I were going tpo jail. STUPID me, so I then called and cancelled the card that I had released the info on. These people are harrasing and I would like to know what I can do and whom I can contact to report this and I would like to take action against them if this is not a legit company for harrassment. Any advise you have will help ....
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

Up until recently ( XX/XX/2015 ) I was a member of the Experian bureau 's online credit tracking. For the past 3 years, I used the site as a measure to help work on my credit. When I first started, based on the credit tracker, my credit score was XXXX. This site provided a great resource in showing what accounts were negative or what kept my credit score low. As I began to work on my credit, based on the report provided by Experian 's online credit tracking, I started to see improvements in the score it provided. Now 3 years later ( XX/XX/2015 ), based on the site, I have a credit score of XXXX. I felt comfortable with the progress I made and used the information ( Credit Score ) the site provided to determine whether or not to apply for loans and credit cards. I recently applied for a Small Business line of credit with XXXX XXXX. Unfortunately, I was denied due to my credit score. Once I heard the news I was shocked. Then I received the letter from XXXX XXXX saying that my credit score reported from Experian was a XXXX! In disbelief, I checked to see what my score was around the time XXXX XXXX pulled my report. XXXX XXXX pulled my report on XX/XX/2015. I did n't pull my report on XX/XX/2015. But I did pull it on XX/XX/2015 and again on XX/XX/2015. On both dates, my score as reported by Experian was XXXX. I would like Experian investigated for providing false information or for misrepresenting their online service.
Consumer complaint received 2015-10-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (FL)

I have an interest Chequing account with Ally Bank. The account number, routing number, my signature, home address, date of birth and other vital information was compromised. I called the bank ( also in writing via their secure message process XXXX to confirm that someone having the above information ( and more ) would be able to access the account and withdraw all the funds. The bank representative confirmed that this is the case. I accordingly requested that to prevent such from happening, that they open an identical account, transfer the funds from the compromised account to the identical account and close the compromised account, thus being proactive and preventing any possibility of the party involved carrying out the possible fraud, in this case, robbing me of all the funds in the account, with the ability to do it over and over indefinitely. 
They would not do it at the time I had them on the phone, saying they needed a few days to process the request. I knew that meant they would not do it and my suspicion was confirmed when I received a letter from them saying that because of my credit they could not do what I am asking. This is nonsense since I am not a new customer and I ALREADY have an account with them. All they have to do is as I have outlined herein and avoid the potential and highly likely fraud from happening. This has NOTHING to do with my credit. I already have an account with them and all I want is an identical account, but with a new account number, so the crooks can not steal the little money I have that I need to survive ( eat and pay bills and sometimes not even able to do that ). HELP! This is life and death for me and not a joke at any level. I am barely surviving and it would be catastrophic if one penny was stolen from me. In fact although I do not have or want Overdraft Protection, Ally Bank continually charges me Overdraft Fees of {$25.00} and that means my bills do not get paid and/or I have not money for food. Please help.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Innovis (VA)

CBC InnovisRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WATERSTONE MORTGAGE CORPORATION (IL)

In XX/XX/XXXX I received notice from my mortgage holder, Waterstone Mortgage, that my loan would be transferred to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called Waterstone and spoke with XXXX, who advised me to pay my XXXX XXXX payment ahead of time to avoid having a payment show late during the loan transfer. I did so over the phone, paying {$2500.00} on XXXX/XXXX/15. I have confirmation of this payment from Waterstone and the full payment was debited from my account on XXXX/XXXX/15. However, Shellpoint mortgage did not receive notice of this payment at the time the loan transferred, so their records still show that I owe them a payment for XXXX XXXX, 2015. I have provided the written documentation of the XXXX/XXXX/15 payment to XXXX. I have contacted both Waterstone Mortgage and XXXX XXXX multiple times by phone, email ( through their secure messaging systems online ) and sent written requests to XXXX to have the issue resolved. So far, all I 've gotten is both sides pointing fingers at each other, both claim they are investigating, but neither has resolved the issue, nor acted on my request to provide status updates. Waterstone mortgage took a full week ( from XXXX/XXXX/15 to XXXX/XXXX/15 ) to send a response to my online message inquiry. Their response was a form letter acknowledging that they were delayed in responding and instructing me to resubmit my request via the Message Center. Basically, I 'm back to square one with them. 
I would welcome advice as to how to get both companies to take action and respond - I feel like I 'm stuck in the middle with no recourse while both do nothing. Meanwhile, a {$2500.00} payment I made is lost in limbo and the new mortgage holder, XXXX Mortgage, shows me as being past-due on my payment, even though I have provided them with written documentation from Waterstone that I did in fact make that payment. What are my other avenues to ensure that ( 1 ) my principal balance is corrected to reflect the payment I made, and ( 2 ) my credit is protected? 
Word of warning to all consumers : avoid Waterstone Mortgage! Our experience throughout the process of buying our house was painful, and it 's only gotten worse from there.
Consumer complaint received 2015-05-12
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (MS)

I have XXXX PayPal accounts. PayPal restricted both accounts on XXXX XXXX, 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait ti out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$830.00} in it. The other account is XXXXXXXXXXXX. It has {$40.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX