davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I was working for a small business, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX XXXX and XXXX XXXX. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at XXXX XXXX did not resolve the fraudulent account and continues to report negative information on my XXXX and Experian credit reports. 
I have documents showing that I do not and have not lived at the address listed on the XXXX XXXX accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX County Sheriff 's Office when I reported the fraud. 
Please assist in disputing XXXX XXXX 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with XXXX XXXX.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Ocwen loan servicing took over my loan. The loan was already modified when they did. Since that time they have demanded a cushion for my escrow which is causing me extreme hardship. I went from {$1500.00} to XXXX in 2 years. My insurance has premium has decreased and my property tax has not increased. XXXX I asked to pay my own tax and insurance on the property. They refused and told me that the loan had to be modified for 5 year before they can waive escrow. This was XX/XX/XXXX. XX/XX/2015 is the five year. XX/XX/XXXX I again requested to pay my own because it would be less hardship for me. I would not have to maintain a cushion. I already approached my city about this. Now I receive a letter from Ocwen saying they can not waive the escrow and the reason is that the loan must not be delinquent in the last 12 months. I have never missed a month 's payment. I have had to pay a late fee because I am paid twice per month and it takes all of my salary to meet their demand. I am current on the payments. I qualified for the modification because of hardship, how can a mortgage company insist on making it even harder for someone with extreme hardship?. I have owned the property for 28 years and I never experienced anything like this. Please help me, I am at my wits end. They collect {$1500.00} per month in escrow only, totaling {$18000.00}. My escrow payment this year is {$15000.00}. I can not lose my property because of Ocwen. Please help me. Thank you for your assistance in this matter.
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

This debt was paid on XXXX/XXXX/15 which settled this account. I was informed that this would not show on my credit any further. Upon obtaining a new job my credit was ran and this still showed on my report.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 
On XXXX XXXX, 2015 XXXX reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Experian to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Experian with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, TX and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. 

Thank you and Happy Holidays. 
XXXX XXXX XXXX
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I 've complained about BoA unnecessarily delaying crediting my account because they want to float my money for weeks, and it 's become clear that BoA 's need for greed has again surfaced. TOday. XX/XX/2016 I attempted to deposit a check from my XXXX retirement account to my BoA checking account, as I have on many occasions at this branch only to be told that " the computer '' said there would be a delay in crediting my account because of the size of the check, which was $ XXXX. The last time they pulled this the check was at or just over $ XXXX and held me up for 2 weeks while they used my money to inflate their balance sheet. On most of my transfers between my XXXX account and my BoA account I deposit the money one day and it 's available the next. I do n't care if they report the deposit to the government in an effort to prevent illicit money laundering, or other criminal behavior, I 'm glad they do, but I 'm sick and tired of them holding me up in order to use my money for their gain. The BoA bank agent said that the " computer '' told her the bank had to hold the funds, and although she did n't say it would be 2 weeks, that is what it was the last time they pulled this trick. Actually they pulled it with a BoA credit card refund as well and I think I complained about that too. BoA is run by a bunch of bandits and they need to be fined or jailed. I would n't be writing if I was a new depositor, or this was a first time transfer between these XXXX accounts, but I have a long history of making these transfers to cover family expenses that exceed my limited retirement income. I had the branch cancel the deposit and return my check, which they did and I told them I would file a complaint with the government, which I am. Congress wont lock these thieves up, I will if this was an illegal act. 

" The computer said '' is not a satisfactory excuse and unless there is Federal Law that says they have to delay giving me my money, this is not only horrendous customer service, if it was an illegal tactic then I want the appropriate penalty to be levied.
Consumer complaint received 2015-09-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services Association (TX)

XXXX XXXX I cleared my residents with XXXX XXXX XXXX the property manager after living there for 3yrs. Upon the inspection to clear I was informed that I will not be charged for any damage or maintenance ( ie, painting, carpet cleaning etc. ). It was just normal wear and tear. About a year later I checked my credit report and I had a collection on it from XXXX XXXX XXXX thru Credit Bureau Services. I have never rented any property from XXXX XXXX XXXX. I decided to go back to XXXX XXXX to ask a few questions. Come to find out after I moved out, the owner switched property managers to XXXX XXXX. Also I was told he went in and did his own inspection after I had moved out and cleared by XXXX XXXX. My question is how can he go in after I have been cleared and charge me for damages and maintenance with a different property manager. If there was truly any damages, why did n't it go thru the property manager I was originally with. For 15 of those months I was XXXX and the house was not occupied. I was XXXX from XXXX XXXX to XXXX XXXX. Sounds like I was being the fall guy for painting and carpet cleaning.
Consumer complaint received 2015-04-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

Reference : CFPB Case No : XXXXLong story. Still find it WRONG! For a Bank to lie about needing a bailout, use that money to buy my bank and mortgage and refuse to help when asked and continue to act in a way that forced all the new regulations/California Laws that are supposed to prevent this. 
**HEY FEDS! I am in need of a bailout FOR REAL!!!! I will be HOMELESS very soon! And I am NOT lying!!! XXXX. After all the misconduct and run around and PNC now trying to run out the clock I have sent an official RESPA QWR to see what other inappropriate behavior might be happening. The latest it appears as I was told by an attorney the Due Diligence dated more than a year before NOD filing should VOID the NOD and foreclosure. But PNC will apparently proceed and force me to litigate.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion shows XXXX open accounts in collection for medical bills originating at the XXXX ( {$1200.00} ) and XXXX ( {$650.00} ). XXXX these accounts are actually for the same bill. XXXX sent me correspondence stating that they would accept a reduced amount ( {$650.00} ) to satisfy the outstanding {$1200.00} bill. I paid the agreed {$650.00} directly to XXXX on XXXX XXXX, 2015. The cleared check is attached. Despite my resolving this account by agreement, Transunion still shows these accounts as open and in collection.
Consumer complaint received 2015-12-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (FL)

We purchased a CPO BMW from XXXX XXXX XXXX. Since then my vehicle has been in and out of the service department at least 9 times since XXXX of this year. I was told it was a gas tank that was replaced the first time after I was told that there was not even one tank in the world but keep driving on it although it was burning gas. BMW Corp office contacted me after I emailed everyone I could locate and offered me a XXXX customer loyalty check. After I accepted the check and believed my car to be repaired, I received an email that my vehicle gas tank had arrived to the service department. Via email I questioned BMW because my engine light came on and I received the email, that the part had arrived after I was told and only signed under the impression that it was on. The XXXX XXXX the contact said it was an error but within a couple of months the tank was again replaced due to the engine lights. I was not able to work my husband was XXXX with the military and now we are falling behind in paying the vehicle whose light has come on and serviced 6 times since XXXX. They will not take back the vehicle and are now giving us a hard time telling us to trade it in, but if you trade it in they can read the key and see all the repairs and they are now saying it 's worth XXXX less than what I owe. Please help resolve this. The vehicle is not safe we have corporates for months and the lights keep coming on and it is affecting my job and now I am falling behind. I have emails and service records to document this on going battle.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

I contacted Wells Fargo Mortgage to have my PMI taken off my loan. They sent out an appraiser who though appraised my house low ( I filed for an appeal on the appraisal ) it still qualified for the requirements of the PMI being removed. Then Wells Fargo contacted me stating I needed to produce XXXX dollars worth of structural receipts because they wo n't base the PMI being taken off on the appraisal and this was XXXX XXXX ruling. I contacted XXXX XXXX and they said that was not correct. I can not get Wells Fargo to remove my PMI unless I pay them an extra XXXX or produce structural receipts.
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I have not received ANY communication in writing from this company and have NO idea what they continue to call me for. They call my home ( fax line ) repeatedly at all hours of the day and evening, and I sent them a letter in writing yesterday asking them to not call again ( the form letter for fair debt collections act ), and they have called twice since that was delivered.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (CO)

I am with the title company and Prime lending does this on several deals I have had them on the other side more than a handful. As for them working with Title to get CD worked up and making sure that we are balanced they do not we get figures and when we do get figures its a couple of hours before we are to close then we are pending the wire and loan docs to come over. ( buyers and sellers are sitting at the table for hours vs. an hour and half that it normally does. They send out only their lender cd with their fees there are no other fees being disclosed like transfer fees HOA dues etc. This is very frustrating and I have had buyers at the table very frustrated and annoyed at their process. 

I have attached initial request to prime lending on XXXX/XXXX/2015 requesting CD so we can balance with their net funding and cash to close for buyer. still at this time we still do not have anything from them this closing has been delayed from XXXX/XXXX/2015 to XXXX/XXXX/2015.
Consumer complaint received 2016-02-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (CA)

Realtime Resolutions is reporting a loan that charged off back in XX/XX/XXXX as 120 days late as of XX/XX/XXXX. That is wrong. If it charged off in XX/XX/XXXX how can they continue to report me and my wife late in XX/XX/XXXX? XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold Realtime accountable to the FCRA and make them remove the lates after the account charged off XX/XX/XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
Consumer complaint received 2015-12-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express reported a collection account on my personal credit report even though the collection account is not my personal account. The borrower on the subject American Express account is a corporation which is " XXXX XXXX XXXX XXXX XXXX, XXXX '' and has a corporate tax id # of XXXX. Thus, this corporation, and not me individually, is the borrower. Because I am not personally the borrower the reporting information has no reason to reflect on my personal credit report ( My social security number is XXXX ). The corporation is the borrower, not me, and is a separate and distinct legal entity under Florida and Federal law. ( the corporation is a Florida corporation ). The account number that is being reported that belongs tot he corporation is XXXX XXXX XXXX XXXX. For whatever reason the account number that is reflected on the attached statement is different but notice the amount that is stated on the credit report {$30000.00}, is the same exact amount as on the attached statement. It is in fact the same account.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (AZ)

I received mortgage assistance for the state of Arizona 's Hardest hit Program. This assistance helped me make my mortgage payment for a period of time. however, my mortgage servicer ( Shell Point ) is not showing credit for 4 payment sthat were sent. And I have asked them to research and correct this. This request has been pending since 2013.
Consumer complaint received 2015-04-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

The Bank of New York Mellon offers a Heath Savings Account. On their website they provide Electronic Funds Transfer to make deposits into the HSA account electronically from your bank or credit union. I made an EFT deposit into my HSA using the Bank of New York Mellon HSA website on XXXX XXXX, 2015. My personal bank account was debited on XXXX XXXX, 2015 for the amount. As of today, XXXX XXXX, 2015, my HSA Account at the Bank of New York Mellon does not reflect the EFT deposit despite the fact that they have had the funds for XXXX days.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

It appears there is some miscommunication between Capital One and myself. Without doing all the details last year, I had to install an automatic call recorder on my cell phone number XXXX. 

I received a notification of a 30 day late pay from equifax. This appears to have occurred according to the credit reports ( all of them ) sometime in XXXX of 2015. I called in not aware that my cell was recording the call ( had forgotten ) Although I made a payment timely, it was not credited for whatever reason. The service rep who is employed by Capital One and identified himself as a Capital One Employee states on the recording that there was a system error when I made the payment thus not crediting it to my account nor removing it from my bank account. It is and has been Capital One 's position that there contract with the Credit bureaus does n't allow them to change this supposed late pay that was made timely and was not credited nor deducted according to their own employee as a result of a SYSTEM ERROR ON CAPITAL ONE 'S END. I do n't want to retain a lawyer but will and I am sure after they hear the recording which I have offered to let any capital one employee hear and they have refused. Capital One 's position is that we ca n't record calls. Fortunately, I live in XXXX and while substantive law may be in XXXX, the fact is that the recording was by mistake and was done in XXXX and is fully admissible in any court. The number is Capital One 's and the employee is clearly a Capital One employee. All I get is we are not going to change this. I have tried through Social Media and while a woman was very helpful she said she ca n't change it but offered no explanation other than it was late. I have sent numerous letters to XXXX and various addresses and still have gotten no response even though these were disputes by me according to the FCRA and FDCPA. All I want are the reports updated to show never late and remove the XXXX ding on this account for what the 2 or 3 years I have had it. Even if I was late which I deny, I do n't understand why as a gesture of good will, Capital One would n't remove it for a person who had just supported XXXX people after his wife was injured by a maniac surgeon ( XXXX XXXX XXXX XXXX my now ex-wife is XXXX XXXX. ) I paid over XXXX XXXX in medical bills supported a family working XXXX hours per week and dont ' understand the lack of good will nor accountability here. I have been told the contract with the CRA 's requires this. The contract first of all has about XXXX exceptions and allows for updates for a bank or credit card company one time for good will and allows re-do 's when the bank has made an error. I do n't like filing this complaint. I would prefer not to eventually hire a lawyer and file complaints with multiple federal and state agencies. I just want my credit updated in accordance with my recorded conversation with the Capital One employee. Thank You
Consumer complaint received 2015-04-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XXXX XXXX, 2015 PennyMac informed us in writing that : '' If you prefer to pay your escrow shortage of & XXXX, XXXX in full, your new monthly payment would than be {$1.00}, XXXX. '' We paid in full ; however, we just received our payment for XXXX and the amount is for {$1800.00} vice the {$1.00}, XXXX as stated in previous written letter. 
I called, but no help, only that they would " run an analysis '' and called a another person, XXXX, but no return call.
Consumer complaint received 2015-12-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC (CA)

The loan was originally taken out with payments scheduled on alternating Fridays. My pay dates and then employers ( and consequently paydates ) changed and I fell behind. They told me they could not change the dates. I receive several calls a day from them. On XXXX I made a payment in the amount of {$500.00}, which did not bring my account current. I told them I would not be able to make additional payments until XXXX but understood that I would receive calls daily as I was still past due. On XXXX I spoke with a representative and let them know that I could not make the payment until XXXX, but took the call, and again indicated that I knew they could and would call daily. I also explained that I had already received XXXX calls that day where there was no one on the other end of the phone when I answered. Today, XXXX/XXXX/15, I received a call this morning and asked the individual to reference the notes, he said he would, verified my information and we ended the call. Since then, I have received XXXX call where there was no one on the other end. Then, I received another call with a female representative asking me if I was going to make the payment with a debit card. I let her know that I felt the call was abusive and that I was going to report it. I was respectful, but expressed my dismay at the aggressiveness of the call. She still asked me if I wanted to set up a payment, and I explained I will need to see what my paycheck is on the XXXX. I understand that I owe them money and am doing everything I can to pay them back. My XXXX each ring of the phone and this is raising my XXXX level XXXX. Please help me.
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (NV)

This collection company updated an account I do not agree with as Date of last activity XXXX. This is such inaccurate information. I have requested and disputed this several times, what evidence does this company has to verify this belongs to me, my signature allowing such charges and date and what this is even for. Date open states XXXX and XXXX states XXXX. I have not been to the doctors or hospital XX/XX/XXXX so this is inaccurate and I want this removed