davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A. (GA)

we applied for streamline refinance with XXXX XXXX XXXX, at the present time our loan was with Flagstar Bank. They sent us a payoff statement, which was paid by XXXX XXXX to the penny, now they are saying there was a XXXX short. We had XXXX in our escrow account. the closing was handle by a lawyer. How can they say there is a shortage after the loan has been paid in full according there letter of payoff. At this point they have taken the XXXX out of our escrow account without our permission. Our lawyer has written them XXXX letters which at this time he has had no response. In XX/XX/XXXX they said we had XXXX shortage in escrow, which we paid even thow the could n't or would n't tell us where the shortage money went. Now after closing on the loan they are saying there is a XXXX shortage.How can they say we owe more after the loan has been paid, by their figures. 
They are saying it needs to paid to complete payoff loan, complete the property lien release, and release the lien from our credit and/or avoid reporting to the credit bureaus. This last letter was written on XXXX XXXX, we received the letter on XXXX XXXX.
Consumer complaint received 2015-04-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (SC)

I have applied to PNC to re-do my loan mod as it adjusted and I can not afford the payment. I originally faxed it and they said they did not get it, however, i had fax status. I then faxed and overnight mail, they still said they did not get and asked again. I have been sending things each time and they waut until after the due date and send me letter saying the did not get. they now sent me to foreclosure atty and I called them. they now say since its past the XXXX of XXXX i need to send tax returns for 2014. I called again and got a girl on phone and she was very rude and made me feel like trash for needing help. She compared my cell bill to hers saying mine should not be what it is because hers was not that much and I should be able to pay as I make good money and she told me how to manage my money and so on. My mtg pmt takes up XXXX whole check and I only get XXXX per month. Sometimes it takes more than XXXX check. They keep giving me the run around meanwhile I am getting ready to get foreclosure papers served on me and I ma doing everything they tell me to do. Each time I call i get a different person telling me different things and I really need help. I am in hopes that you guys will be able to help me. Thank you
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call XXXX. I was caught in a catch-22 with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and Scottrade Brokerage Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I placed an order for a XXXX in early XXXX. I got XXXX confirmations for XXXX XXXX. I immediately called XXXX and told them about it and they said there was nothing they could do. I told them I do n't want anything from them then and to cancel my order. They sent XXXX XXXX and I refused delivery of all XXXX. Then they charged a month of service for a hotspot. Household Bank ( HB ) eventually refunded the XXXX hot spot charges but not the month of service until I agreed to cancel my current credit card and let them send me a new XXXX. I agreed to do that and after I got the new credit card and cancelled the old XXXX, they would not refund the bogus {$52.00}. service charge. I tried for month to get them to make it right but they would n't. I was still haggling with HB when Capital One bought out Household Bank and I had to dispute it with Capital One. They saw it was bogus and said it was refunded on my card, which it was. That was the only reason I used Capital One 's card. Otherwise I would have closed that account for getting bad service. I had no idea Capital One did n't keep their promise until I started looking for a mortgage and was told they reported a XXXX day slow pay negative report on my XXXX credit reports. 
The other issue I have from Capital One is I filed bankruptcy XXXX XXXX, XXXX due to attorney 's fees from a divorce and received a discharge in XXXX, XXXX. Capital One was XXXX of the creditors in the discharge. I also learned at the same time, they reported this as a write-off in XXXX, which is also not true. Enclosed is a copy of the discharge and Capital One is XXXX it. 
I have disputed this with Capital One several times and they just mess me around. I then disputed it with the XXXX credit bureaus and they " investigated '' it and they said they could n't do anything unless Capital One changed it. Now I am seeking assistance from the Consumer Financial Protection Bureau because of CaptialOne 's vindictiveness. Please process these complaints and have Capital One report accurately and have the XXXX credit bureaus amend their credit reports to reflect the newly corrected information. 
As you may see from the XXXX pages of documents, I have been trying for some time to get this resolved. Capital One has sent contradicting letters in the same day and not followed through with what they said they were going to do. The times I have spoken with them on the phone they have said misleading statements and done differently than they promised. 
When I speak with the credit bureaus, they say they wo n't do something unless Capital One changes it. 
Please process this complaint and have it corrected. 
Thank you.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

I recently took extensive efforts to clean up my credit report in the intent of needing to apply for a loan to build a home. I used my free annual credit check. I recently received free credit monitoring provide by the XXXX as my name was involved in the XXXX XXXX. I had a XXXX Credit Card issued by Citibank, Acct XXXX. My credit was sold and transferred to XXXX, XXXX XXXX XXXX XXXX, several months ago. Both XXXX and XXXX both showed I had XXXX accounts open Citibank and XXXX. The transferred account was never closed or transfered. Although not of significant impact to my FICO, it was counter productive to all the work I just did to get my report correct. I did not participate in the negotiations involved in change banks to support my borrowing/credit needs however the consumer should not be impacted negatively when XXXX banks get together and your information/business is sold. The CFPB should actively monitor who should have done what to whom in this case so consumers are not negatively impacted by financial transactions when their information is sold and when the consumer is not personally involved in the transfer. Who is accountable to make sure all three reporting agencies are aware the credit was transferred??? It is too scary that this activity can occur without repercussions or analysis on the frequency of occurrence. All XXXX would say is that you have to fix this. They are " XXXX party '' in this transaction. Actually I am XXXX party in the deal to buy my credit! Why are financial institutions not accountable for not reporting the transaction??? This same thing just occurred when my mortgage was sold. This latency issue has significantly affected my credit score. It has been three months since the transfer of my mortgage and XXXX still shows I have XXXX mortgages on my home, XXXX with XXXX and another on with XXXX. Who should be accountable???
Consumer complaint received 2015-11-16
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

Capitol One is reporting that I was late on my XXXX payment to my XXXX XXXX Credit Card Account to all three Credit Reporting Agencies. At the time this happened my account was set up on automatic payments from my debit account. I noticed my checking account had not paid my account. So I called XXXX XXXX Credit Card Services. They verified that they had not received my payment because Capital One was no longer going to service my account so I paid my account. At that time I was 5 days past the due date not 30 days late as reported by Capital One. In fact XXXX XXXX credited my account the late fee that had been added and updated my information about my checking account. I was also informed that XXXX was sending me a new card in the mail and that they would be handling my account. I did in fact receive my new card in the mail. The account number is XXXX. I contacted Capitol One on Friday XX/XX/XXXX and provided my Social Security Number to them. However they could not find my account number. I did obtain my account number XXXX today and provided it to Capitol One. Now Capitol One insists that they have no record of this account and refuses to remove or correct the falsely reported 30 day late on my Credit Report, and they insist that XXXX is making this report and to contact them. I called XXXX and they informed me that they can not make any report to the Credit Bureaus about my old Capitol One account and that it is Capitol One who is reporting this information. I also filled disputes with all three of the Credit Bureaus as well. I spoke to an agent at XXXX XXXX this morning who informed me that even if I am correct that they can not change my report even with proof. I appeal to CFPB for protection and request that our Credit Reporting Agencies be given the authority to correct our Credit Reports if the Creditor or your agency is able to provide proof the report is not accurate. I also appeal to CFPB that Capitol One be required to update my information and report my payment history as paid on time as agreed because it is true. Capitol One no longer services my XXXX XXXX Card. At that time XX/XX/XXXX Capitol One did not obtain my payment even though they were responsible for obtaining the payment from my debit account. As a result of Capitol Ones mishandling of my account caused me to be 5 days late not 30 days late. It is my belief that Capitol One intentionally did not take my payment from my debit account on time as they were required to do because of their failing relationship with XXXX XXXX at that time. It is my understanding that Capitol One has no proof that my account was not paid as they no longer serviced my account. I paid XXXX XXXX on the phone so XXXX received my payment and reported receiving my payment on time as agreed. This is all a big misunderstanding that I had nothing to do with. It was between XXXX XXXX and the banks. Please investigate this matter and make Capitol One correct this report to show I paid my account on time as agreed.
Consumer complaint received 2015-11-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to close an account in XXXX 2015 because I had automatic payments I could n't get stopped. I brought the account to a zero balance as I was told, but the account did n't close.I would deposit money to the account to again bring to a XXXX balance but still would n't close.Bank of America took money from my mother 's act to bring to a XXXX alance, but they still have n't closed it.Eventually the brach call the back office last month, they put stop payments on all the automatic debits, but the keep coming out. I was told to call the phone center for my fees and they basically laughed at me. I asked to speak with a manager who need called me back.Called the branch and they wo n't reverse the fees because it would count against their branch. Today they have taken {$92.00} from my regular account to put in the account that is overdrawn with automatic payments still coming. I have emailed the CEO, but I doubt I will hear anything.
Consumer complaint received 2015-11-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP (CA)

I am currently involved in a construction loan with First Guaranty Mortgage Corporation. This is an FHA construction to permanent loan that was approved at the beginning of 2015. I initially had a good faith estimate done and agreed to the terms. During the process the company changed my amounts and interest rate from what was quoted me stating that my paperwork I signed was out of date. They proceeded to increase my rate along with requiring more of a down payment. During this time I started building the home grading and such to keep my progress moving forward so I incurred costs that were built into my loan for reimbursement. I submitted these to FGMC as the actual line items on my loan from the budget we created. I was told that these will be prepaid payments and not reimbursable. These amounts were built into my good faith estimate and when I received final docs the loan changed by these amounts. Prepaid items became deposits and the amount for withdrawal for my construction build shrunk by approximately XXXX. I confronted them about this and they explained that I still had a 10 % overage built into the loan. I asked them to point this out in the loan but I was ignored and come to find out this is not in the loan. I have asked for an increase in the loan to cover the amounts of my first reimbursements only to be humiliated by the loan company stating that " with the contractors and my experience they do n't see how this could have happened ''. I 'm trying to scrape funding together to complete my house but so far no luck. My warning to all would be if you are looking for this type of loan, do not use FGMC. By the way I have completed a home in the past using XXXX. I did very well and ended up selling this previous house for a profit.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/2015, Experian sent me an email after I setup a credit monitoring service provided by the University of California, XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I was notified by XXXX and XXXX XXXX that my private health information had been compromised. 

Experian 's email to me stated that my credit score had recently changed, and that I should visit their website to learn more about the problem When I clicked on the link in the email Experian sent to me, and using the reputation of the Experian brand name, Experian requested that I provide my credit card number for the purpose of " checking my credit ''. Experian then apparently used this information to start a subscription service, beginning in XXXX, 2015, for {$21.00} per month. 

I neither approved, nor intentionally subscribed to Experian service. 

I contacted Experian on XXXX/XXXX/2015, and requested the service be cancelled and two months of " subscription fees '' be refunded. The Experian tracking number for this case is " Dispute and Cancel Membership XXXX 

On XXXX/XXXX/2015, Experian responded to my request via email and declined to refund the previous subscription fees. 

I am therefore filing this complaint. Experian used their brand reputation to start a subscription service that I neither agreed to nor approved.
Consumer complaint received 2015-11-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, my name is XXXX XXXX and i already send XXXX complains against debt collector XXXX, BOA and XXXX XXXX and their attorney XXXX XXXX! 
I rescinded the alleged loan XX/XX/2015 sinse the court did not go by the rules and did not take my discharge of the alleged debt into consideration. 
They received it XX/XX/XXXX and did not sue me in the 20 day frame.They waived their right to do so. 
so the deed and note is null and void!!!!!!!!!!!! 
Plus they ( XXXX XXXX violated all kinds of XXXX XXXX XXXX laws which i will bring up in Federal courtPlease help
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

I had a personal load with XXXX with a equity load and XXXX they sold myloan Green tree and XX/XX/XXXX my house went in foreclosure and the sheriff sale. I was evict from the house XX/XX/XXXX and have not lived in the house since then XXXX sold the loan to Green Tree. I was still trying to pay the loan and was told that once the house went in foreclosure I was no longer responsible for the loan I told this to Green Tree that I was no longer going to pay for the loan on a house that I no longer own, the house was sold XX/XX/XXXX They call me everyday of the in the morning in the evening all time of the all threatening me to pay they or move from the house I no longer own the house in question is XXXX XXXX in XXXX Michigan XXXX. They would call on different number and are still call me today. now they have this companyDitech sending me bill and increase the amount of the loanI would like them to stop sending me bill and would like the money I paid to them return to me. I can mail the letters to you if need in you need the account number it is XXXX
Consumer complaint received 2015-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: U.S. BANCORP (IL)

US Bank has engaged in an illegal criminal falsification with accounting fraud, bank fraud, wire fraud, mail fraud, and stalking involving a female employee I have never met and persists in diverting US mail, returning refused mail, falsifying claims to third persons that I " use a false address '' to the US Post office, and responds to any request that they at least get the XXXX out of my US mail with more flat refusal to comply and have " cut off all public services '' nationally in retaliation for the excessive consumer dispute required to force them to drop it as a entity that keeps claiming falsely that they have some lawful dispute that they have been " harassed '' by CFPB into dropping. 

Which is also why they divert the US mail and require that I sue them to force them to stop diverting US mail and are at this time dragging me through the Postal Inspectors and Inspector General as they contacted somebody at the Post Office to get them to keep illegally redelivering refused mail, to the point of forcing my business to change mailing address too as stalking and criminal pursuits aided and abetted by US Bank as an entity continue to be the crux of the problem and the point.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.