davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

SunTrust Bank was running a promotion that told consumers that they would get up to {$200.00} for opening an account with them. My fiance and I opened an account with them at the XXXX, FL XXXX XXXX. We were promised and assured that we would receive the {$200.00} promotion as long as we qualify with at least {$2000.00} in Direct Deposits in a 60 day time period. I have heard this same information from multiple representatives and they have also assured me that I would be receiving my promotion in 6-8 weeks from the time I qualify for it. When I had n't received my money in the time frame mentioned above, I began to question the validity of the promotion by contacting corporate and walking into many branches. I was told the same information over and over again. I am now hearing from a XXXX XXXX in the Client Relations and Support Team that I will only be receiving {$100.00} on a smaller scale promotion. Digging deeper, I found that other complaints that I have tried to address with SunTrust Banks had gotten the lady that opened my account fired. She is no longer able to tell us what she had stated to my fiance and I when we opened the account, and SunTrust " has no record of what was said '' even though there is surveillance in the branch inside of XXXX. SunTrust has also stated on a recorded line that many of their representatives have relayed incorrect information to me. Therefore, I would like to receive the amount of money I was promised and assured of when I opened the account, and I add that those promises were made from more than one representative. I, as the consumer, should be able to believe representatives of this financial institution when they tell me I will be getting money from a promotion, therefore I feel that I should be getting what I was promised as the consumer.
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We closed on a new house in XXXX XXXX in XXXX, and right afterwards I wanted to refinance a house we still own in XXXX. I wanted to use Bank of America since we just used them for the new loan in XXXX. 

I was quoted a 15YR option at 3.375 % with XXXX Point, we locked in on XXXX/XXXX/2015, and yesterday XXXX/XXXX/2015 I was reached out to my loan officer saying she made a mistake and selected Single Family Home vs Multi-Unit Home when providing me the rate. Its a XXXX Home that is non-owner occupied since we do n't live in it anymore, and they knew this as it was all originally disclosed when we did the new loan for the purchase of the XXXX XXXX house in XXXX Now that we are two weeks out from closing they want to adjust the rate to XXXX with XXXX point or 3.5 % with XXXX points. 

Attached is the Loan Estimate for the refinancing, which mentions Non-Owner Occupied but nothing about SFH or Multi. Also attached was the GFE or original estimate when we were talking about 30 YR vs 15YR. 

I feel frustrated as now were two weeks out from closing on refinancing and they are asking me to just accept this when its not an error we made but Bank of America and I should have to pay for as it was an error they made and concealed from me. Looking over the 15 year loan this change will be over XXXX out of my pocket due to this rate change, now rates are at their 4 month high and I have no chance in finding a comparable rate that was locked in to me, not to mention the month and a half I have put into this and paid for appraisal already. 

Thanks for your help!
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The Bank simply refuses to provide me with an accounting of the total amount due to bring my balance current. I mailed a certified Debt Validation letter to them, and all they will provide is a payment history from XX/XX/XXXX - XX/XX/XXXX, a copy of the Note and Deed of Trust. They will not provide an accounting from XX/XX/XXXX to present at how they arrived at a {$180000.00} amount currently due. They remain in violation of the FDCPA and do n't care. I was hoping to work out a settlement or loan modification with them, but ca n't until I know what the real balance is .... not just an inflated amount they pulled out of their hat. At this point they just want to sell the home, and remain unwilling to comply with the law.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AE)

I have XXXX loans with Ocwen ( mortgage and Equity ) It was clear to me about escrow going in mortgage but, after discovering from my Equity loan billing statement that part of my payment was also going in escrow. I immediately called and asked why. I then requested information on how long the company was charging my escrow account. Ocwens then stop all billing statements. I called many times and sent letters, See attached letters. Letter will be sent by email separate.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

In XXXX of this year I noticed that my statements started coming with a credit, un-applied funds on my monthly statements. I wrote to Ocwen Loan servicing via there web page at that same time asking what this credit is for. I then called directly to Ocwen after no response and was told to take the un-applied credit if its there. I wrote again asking if this was an incentive for modifying our loan, again no response. This month I received a check from Ocwen for {$1.00} over payment on my escrow account. Yesterday I received a letter from Ocwen stating that my escrow account was short. I have been asking Ocwen for 6 months with no response and now my monthly payment is going up.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Back in XXXX XXXX I was able to get a no-rewards credit card for a very low interest rate ( Prime + 2.99 % ). Today, I can find no similiar card that I can apply for. The lowest rate I see now is Prime + 8.00 %. Yet, in an artcle on XXXX/XXXX/XXXX entitled " CFPB Warns of Flaws in Credit Card Market '' CFPB Director XXXX XXXX is reported by the XXXX to have said in prepared remarks before a XXXX conference : " At the same time, we found that credit is now cheaper and more available and the credit card business has remained an attractive, profitable business for banks, with default rates that are now at historic lows, '' XXXX said. " In short, more effective regulation has created a safer, more affordable credit card market with more opportunities available to consumers. Responsible lenders are now able to do business on fair and transparent terms. That is a remarkable achievement. '' XXXX said this concerning the XXXX CARD act and the effects on the card market derived from it. Well, if he is right that the CFPB " found that credit is now cheaper and more available '' then why ca n't I find a card with similiar pricing as the one I ( luckily ) found before the CARD act had been implimented? 

I would like Director XXXX XXXX or the CFBP in general to issue an apology for saying that. It is blatantly untrue, and would like to see a description of the " findings '' that support lower credit card prices. ( Please feel free to forward these " findings '' to my email ). It is both hypocritical and unethical for the CFPB to claim to find instances of deceipt among financial companies yet make such fallacious and demonstratably false statements as the one given in the XXXX XXXX. Card prices have INCREASED since the implimentation of the CARD act, not decreased, and any insinuation to the contrary is deceptive and unfair.
Consumer complaint received 2015-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (MI)

I have received XXXX calls from FNCB, telephone number XXXX. When we answer the telephone, no agent is on the line to explain the reason for the call. The calls have occurred on XXXX/XXXX/2015 at XXXX, XXXX/XXXX/2015 at XXXX, and on XXXX/XXXX/2015 at XXXX. The calls come to XXXX which is on the Federal Do Not Call list. My credit report shows a credit rating of XXXX, and we are not in arrears on any debt. At XXXX years old, I do not wish to run to the telephone to find no agent connected to explain the reason for the call.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (WA)

I signed up for a checking account during a Discover Bank Checking promotion where they offered a {$300.00} Bonus when you open a Free CashBack Checking account with direct deposit. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code XXXX ; I opened my checking account on XXXX/XXXX/15. 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. I had XXXX direct deposit payments completed with {$250.00} on XXXX/XXXX/15 and XXXX/XXXX/15. This falls within the time period of 90 days since the opening of the account. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Today 's date is XXXX/XXXX/15 and it has been more than 30 days since the requirements have been met.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NM)

I hadXXXX negative items on all XXXX credit reports. All have been cleared except XXXX from Experian. It was negative in XXXX, XXXX. After contacting them, they goofed and made it a positive item on my report staying on for 10 years ... XXXX XXXX. More letters and calls to them finally they corrected it to negative but still keep in on until XXXX XXXX. According to XXXX Bank it is a negative item and should be deleted in XXXX, XXXX. Nobody at Experian bothers to review this problem. They just send the same response back. Can you help? I have documents to prove this but I am rather illiterate on the computer and do not know how to attach things. Thanks
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NOVA Financial & Investment Corporation (AZ)

XXXXXXXX XXXX of NOVA Home loans is running this ad. It 's steering. Any house is eligible for a {$0.00} down through Home plus program or Home in XXXX. He is steering people to that particular website saying that all those homes are eligible for {$0.00} down which is a lie.
Consumer complaint received 2015-11-17
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (MI)

... XX/XX/XXXX, we leased a XXXX " XXXX '' through XXXX dealer " XXXX of XXXX XXXX '' and put down over {$9000.00}. We were given XXXX miles in the agreement. We returned the vehicle to XXXX dealer " XXXX XXXX '' in XXXX ( Now XXXX XXXX ) XX/XX/XXXX. The vehicle was inspected by the dealership and found to be unblemished and in very good condition. At the time, we were under the mileage limit by nearly XXXX miles and fully ( 2 ) two months ahead of the expiration date on the agreement! 
Without any hesitation, U.S. Bank, the leaseholder used by XXXX XXXX, refused to refund to us any of the $ XXXX dollars represented by the unused miles ( they charge XXXX for each mile OVER the agreed limit ... what about " undermileage? " ) .... and further, demanded the two months payments ( {$510.00} ), even though we had already returned the vehicle to them and were not able to use it. 
Further, they sent us a letter demanding an additional {$1000.00} ) for alleged " wear and tear '' their own personal inspector claims was found on the car. 
We were surprised and saddened by U.S. Bank 's egregious and impersonal handling of their contract with us. There is never any excuse for such an " iron-clad '' enforcement policy of ANY personal agreement such as this! Their behaviour represents nearly {$3000.00} of costs levied against us, for which we received absolutely NOTHING in return. We are now told that U.S. Bank is no longer being used as a vendor of leases by XXXX XXXX. thank you!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (MI)

Experian Credit reporting agency signed me up for for " credit monitoring '' without my consent then refused to refund the charge. The business model they have employed does not rely on selling a service, it relies on consumer not reading the tiny declaimer at the bottom of a web site that that you think is verifying identity, but unknown to the consumer they are being " subscribed ''. This may or may not be Fraudulent by the letter of the law but is CERTAINLY fraudulent by the spirit of the law.
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

Is the second time in 5 years that I received a collection letter from a collection company which is trying to collect money for XXXX company that I never had any business with them. 
I call them to dispute it and they said I had to fax my claim. I tried to fax it 3 times and their fax is n't working. 

I will include their original letter and the answer I tried to fax for. them
Consumer complaint received 2015-11-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

The Financial Institution I am filing a complaint about is : OneMain Financial XXXX XXXX XXXX, MD XXXX XXXXI took out a consolidated loan from my credit union to pay off a few small credit cards and debt, OneMain Financial being one of my creditors. I took a check that was written out by my credit union to OneMain Financial and was told, " I could not use a check from another loan to pay off my loan with OneMain financial. ''
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SD)

On XXXX, XXXX, and XXXX I disputed errors on my credit report to Experian ( the same ones over and over ) and they refused to remove inaccurate fileings on my report. They never sent me any information as to why, or proof that the debt is mine. The report that the sent me showed no findings, and gave me no information what so ever.
Consumer complaint received 2015-11-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing XXXX, debt collector have used Fraudulent and Forged document to accept Insurance Loss Draft check on XX/XX/XXXX, in the amount of {$6700.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Draft XXXX. 
Ocwen DOES NOT have Any documentdocumentsdocuments to collect on this debt. This debt was discharge on XX/XX/XXXX, Chapter XXXX United States Bankruptcy Court. Ocwen accepted LOSS Draft after discharge debt Voliates 15 USC 1692 and Florida Statuue 817.535. As of XX/XX/XXXX, filed Fraudulent foreclosure, No Letters, No Notice no communication a bout filing. Ocwen-XXXX co ntinue to avoid sending any documentation to show Proof of Ownership as of XX/XX/XXXX
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

Account No : XXXX XXXXAmount in Question : $ XXXXI attempted to see a doctor at Minute Clinic which is within the XXXX XXXX XXXX , close to my home. I was fairly certain that I had XXXX ( XXXX XXXX ) and was scheduled to leave for New York the following day on a work trip. The doctor at XXXX XXXX took down all of my information, including my insurance information, which took approximately 20-30 minutes because she had difficulty getting her system to work correctly. She then proceeded to tell me that she could not see me because XXXX XXXX does not handle any eye related problems. I was unclear as to why she did not tell me that when I 1st arrived and filled out the " reason for visit '' on the " sign in form ''. I would like the {$84.00} removed as I never was treated or seen by a doctor. Furthermore, I am confident that my insurance was charged the {$15.00} ( difference between the {$84.00} and the {$100.00} visit ) and therefore I would like that amount refunded as well. 
It is ridiculous for his company to be able to charge people for treatment which never existed. I have received XXXX notices from Trans world Systems Collection Company dated XX/XX/XXXX & XX/XX/XXXX. I called after the XX/XX/XXXX notice and they indicated a case would be opened. I have not heard back from them ; however I received the additional notice on XX/XX/XXXX. Unless this is taken care of immediately, I am contacting an attorney to start the discovery into how many customers have experienced this same issue.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE SELECT PORFOLIO FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED MUST BE REOVED VIA COURT ORDER SEE PAGE XXXX FOR CHAPTER XXXX 3. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BALANCE IS INCORRECT 5. SECOND XXXX BALANCE IS INCORRECT 6.XXXX INQUIRIES ACCOUNTING ERRORS MUST BE REMOVED CALL THEM TO VERIFY XXXX XXXX INQUIRIES MUST BE REMOVED DO NOT SAY VERIFIED XXXX XXXX XXXX INQUIRIES MUST BE REMOVED. 
XXXX XXXX INQUIRY MUST BE REMOVED TOWER INQUIRY MUS BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

YOU PEOPLE ARE GOING TO GET ME ARRESTED BY PUTTING THIS ON MY REPORT I AM XXXX!!!! THEY DO N'T ASK QUETIONS REMOVE ALL THIS!!!!!!!!! AND DO YOUR JOB NOT VERIFY EVERYTHING!!!!!!! 
I CAN NOT DO ANYTHING MORE THAN READ IT IN PERSON FOR YOU!!!! 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX XXXX, 2015TO WHOM IT MAY CONCERN : Unfortunately this all was started due to health issues. We have been paying on our mortgage numerous years and have come to the end and I got sick. Most of my expensive medical bills were due XXXX during a year and half year span. These XXXX had to be paid cash up front due to the fact that I had and have no medical dental insurance. Each XXXX cost from {$1500.00} to {$1800.00}. This year I was in and out XXXX. The last time being XXXX 2015. I was in there 4 nights. I have medical records to prove all this. I had to pay {$330.00} for XXXX pills among other XXXX fees XXXX XXXX XXXX. 

We have made several attempts to pay off our mortgage to no avail. I have called in numerous time and repeated the same story to numerous representives., again to no avail. Every time the payoff amounts go up some go down??? All we want is our clear house title. We have paid well over double if not triple the first payoff statement amount and paid additional amounts as well. XXXX the times I made a payment off statement was in XXXX thru XXXX XXXX and than about 5 days later we received a letter from XXXX XXXX saying our monies were there and that we needed to go and pick it up. No reason was given as to why Carrington return our payoff amount?? I have sent in copies of some of the payoff amounts letters form Carrington and also sent in some of the amounts of where we have sent in the monies being charged to us. We have also included an example of proof of insurance where Carrington billed us for coverage when we had it. This also happened numerous times. My Insurance agent has all the faxes they sent Carrington to prove that we were covered and not only faxes but also actual phone conversations with Carrington., not just once but several different times. Again all we want is our clear title.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX has agreed to remove the unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX/XXXX/XXXX my id is attached please verify my signature
Consumer complaint received 2015-07-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

BOA sent me a modification letter becuase of my military service which I beleive was driven by their prior settlemetn with DOJ. I signed form and submitted it along with payments as instructed. After BOA automatically took out XXXX payments they stopped and when I called to ask what happened I was told I was in modification and could not make any payments. Since then BOA has not allowed me to make any payments and everytime I call they tell me they want new info etc ... Once I send the information I will keep getting mroe requests for more information until now they have initiated foreclosure. I am XXXX military and XXXX so it is on hold. I also have hired a lawyer but ti does not seem they have gotten anywhere with BOA either.