davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BANK OF AMERICA WRONGFULLY AND ILLEGALLY FORECLOSED ON THIS HOME Banks are n't supposed to foreclose on homeowners until they 've exhausted all available loss mitigation options. Per one of my conversations with the Escalation CEO office Department, XXXX XXXX on XX/XX/XXXX, the file WAS in an evaluation process. Currently there is a scheduled sale date set for XX/XX/XXXX and we feel that the sale should have been postponed due to the ACTIVE MODIFICATION REVIEW. Even if the modification were to be denied a few days or hours before the foreclosure sale, the homeowners still has the right for a 30 day appeal time frame or to decide whether they want to do a Short Sale, Deed-in-lieu or reinstate the loan. NONE of these options was granted to the homeowner and this is violating the laws. Only 10 days before the foreclosure sale ; Bank America needed a new updated signed RMA form, Homeowners association statement and the breakdown of the payments for the creditors on the bankruptcy, and the XX/XX/XXXX income tax returns. Why did the representative, XXXX at Bank of America, neglected to tell me that even though they were asking for more documents, that it really did not matter since the sale date was only 10 days from now and that per FHA guidelines, all the documents needed to be turned in 37 days before any foreclosure sale? WE DID NOT EVEN KNOW OF MORE DOCUMENTS THAT WERE NEEDED 38 DAYS AGO, UNTIL 10 DAYS BEFORE THE SCHEDULED FORECLOSURE SALE. I called Bank of America, and was confirmed that all the documents were received and that the file was in the underwriting department and that a postponement request had been submitted since all the documents were turned in. An appointment was scheduled with XXXX XXXX, the single point of contact for XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX XXXX, for which he advised me that all the documents were turned in with FHA and that a postponement was submitted that past Friday XX/XX/XXXX and that the chances of the sale to be postponed were " pretty good since all the documents were in '' Nobody during our previous conversations, including XXXX XXXX, had told us about that specific 37 day time frame plus of any other documents needed until about 10 DAYS BEFORE THE FORECLOSURE SALE DATE. 
It 's not supposed to work that way. Under the federal program, which requires servicers to follow a set of guidelines for modifications, servicers must give borrowers a written denial before foreclosing. Bank of America is breaking the laws and not abiding by them.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX  " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

XXXX XXXX XXXX XXXX XXXX  " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

XXXX XXXX XXXX XXXX XXXX XXXX Please send me the documents that prove that I was late. If you can't prove that you had proof, you need to remove these late remarks.
Consumer complaint received 2017-04-08
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Monterey Financial Services LLC (NC)

departmentReceived phone call from representative with Monterey Financial on XX/XX/XXXX. The rep was very rude, threatening, demeaning, said I would be sued for payment, very loud, and insensitive. My daughter and grandson heard him. I did not get his name a he stated it very rapidly and did not clarify again. My husband wanted the tub before he passed in XX/XX/XXXX. His passing was unexpected due to XXXX. I suffer from XXXX and had taken care of him for years on XXXX. I order the tub anyway. At the time I ordered, I called the several times within the grace period stating that I did not want it because it was too noisy, dissatisfaction, and not according to my expectations. Presented information to operator on XX/XX/XXXX. She sent call to another department. No response. Called again and XXXX sent call to customer liaison, no response.. Spoke with XXXX customer liaision, with no success in canceling the order. Asked for supervisor and was directed to XXXX. No resolution. XXXX and XXXX stated someone would come out and check the noise and non-working air jets. I followed steps to get tub returned but was referred without any action taken. I was receiving XXXX dollars per month from my spouse to help with monthly bills. That money ceased after his death. I had unsurmountable debt from his hospital bills, other household debt, car payment, mortgage, utilities, credit card debt, that all fell behind. I tried to work out with this company and fell behind with payments. XXXX on a XXXX caused me to go XXXX in XX/XX/XXXX. I became so XXXX that I did not want to handle my bills that had fallen behind. I was grieving from my husband 's death and representatives from this company were always rude. I am trying to rectify my credit situation which will take time with my income as only source. I did not appreciate how the rep spoke to me. I am XXXX years old. I have nothing of substance that I could sell and get money to pay. I had set up payments and did not know they had returned. I did not check bank accounts. Too XXXX knowing that I owe debt and can not manage to get it paid. Started working a job at XXXX so that I can try to manage and get debt paid off. I tried to file bankruptcy but it would not leave me enough to buy XXXX that I must take daily to keep XXXX. Contacted a debt repair agency but discovered their fees and % would cost me more that I was paying. No one should speak to me in the manner this man did. His scare tactics did not work. I owe and want to pay but will not allow anyone to harass me. Whatever resolution can be made is appreciative.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an aXXXX XXXX helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

An unknown individual has used my personal information to obtain mobile service and personal loans without my knowledge. 
XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX As well as inquiries from these companies. 
XXXX XXXX XXXX I have filed a FTC report on these fraudulent activities.
Consumer complaint received 2017-02-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (TX)

On XXXX I spoke with a supervisor with Paypal by the name of XXXX and during this Call XXXX set the expectations that funds would be released to myself to assist in shipping cost as the buyer at the time of purchase is made aware of the cost of shipping and upon the completion of the transaction they agree to the payment to include the cost of shipping. Paypal upon completion of the transaction thus holds the funds as well as the shipping cost at that time they blame XXXX due to their policy under the funds availability program. Nowhere in their terms and conditions does it mention the funds availability policy the closest terminology they reference is " Holds '' under the table of contents, upon reading the user agreement it states " To protect XXXX from risk of liability for your actions as a seller, XXXX has at times recommended, and XXXX continue to recommend, that PayPal restrict access to funds in a seller 's PayPal account based on certain factors, including, but not limited to, selling history, seller performance, returns, riskiness of the listing category, transaction value, or the filing of an XXXX Money Back Guarantee case. This may result in PayPal restricting funds in your PayPal account. '' When calling back I spoke with a very rude XXXX in settings, security and payments by the name of XXXX whom was very aggressive and stated the other supervisor should have never made the request or commitment due issues related to the funds availability program. He early on in the conversation stated that XXXX placed the hold but during our conversation I kept referencing the statement in XXXX user agreement that they dod not have control of the account but can merely make suggestions to Paypal to release funds or not. Multiple commitments over the course of the past couple of weeks have been made and not followed through and when I call into their c/s team and make my way through all the reps and to management ; they take a very aggressive stance and always state the other representative should not have set those expectations.
Consumer complaint received 2024-08-04
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-12
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Shellpoint Partners, LLC (IL)

We were working with the Shellpoint Mortgage servicing to modify our loan to avoid foreclosure and we were not informed of the delay on their end to avoid the foreclosure. We have been actively working with them to provide all of the documents and we were just informed that they would not be processing the documents to postpone the auction of the home. We were under the impression from them that if we were able to provide all of the information needed they would be able to postpone as we work through the loan modification. We were informed today XX/XX/year> that we submitted everything but it wouldn't matter since there was not enough time for them to process. If we knew this upfront we would have tried to find an alternative solution to avoid the foreclosure. We wanted to work with Shellpoint to work on a solution but feel like we were not told up front that even though we submitted everything needed they were not going to be able to help us. We are now going to lose the home and could have found another solution.
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

Deposited a check from XXXX XXXX on XXXX at XXXX in the amount over {$2500.00} to my Wells Fargo I used the ATM to make the deposit since the bank line was long and I 've been told I get quicker access to funds. 
The receipt advised funds would be available XXXX. 
The funds show posted to my account but the amount is not available as of today at XXXX. 
I talked to a claims adjuster for XXXX, who said the funds cleared his bank XXXX. 
Wells Fargo is saying they got a code from the FED that an item was returned earlier by Progressives bank and accordingly they have an extended hold on my funds that expires XXXX. I have spoken with Wells Fargo twice at their XXXX number and was told 1st that the funds were not available til XXXX. on the 2nd call I was told the funds were not available unitl XXXX and the expiration on the hold was XXXX. I spoke with a supervisor who said nothing could be done. Attached is a copy of the receipt from Wells Fargo when I made the deposit. I 'm stuck between XXXX who says the funds have cleared and Wells Fargo who seems to be holding the funds for no reason related to me, under the guise of " Protecting me from a fraudulent check ''. 
Please advise.
Consumer complaint received 2024-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TX)

I have submitted several requests by phone and also by Shellpoint 's website for a copy of my statement ending XX/XX/year> since my account was transferred to them. I am now missing my XXXX statement. The website only shows me a total due and not the breakdown of how my finance charges were calculated for the HELOC. After numerous attempts I still have not received any statement. I would like detailed monthly statements mailed to me like before I was transferred to Shellpoint as the loan servicer.
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

My mortgage was originally held by XXXX. In XX/XX/XXXX they sold my loan to Caliber Home Loans ( CHL ). On XX/XX/XXXX I received a call from a CHL representative XXXX employee ID # XXXX stating at that time my account had a credit of {$820.00} making the amount due for XX/XX/XXXX {$660.00}, which I paid during our conversation. Since that time to present my account has not been correct. I have made my monthly payments via phone each month paying the amount the representative showed owing on my account at the time including occasional late fees. I started receiving Pre-Foreclosure Notices, the first dated XX/XX/XXXX, sometimes multiple copies of the same correspondence on the same date. At one point the representative I was speaking with told me, when I asked to speak to a supervisor, that none were available, however ; I could speak to someone in a lower position than him or " hold for thirteen hours '' to speak with someone with authority enough to correct my account. Being fearful of loosing my home, and unable to get a clear answer from CHL regarding the actual amount due, I started the Loss Mitigation process on the advice of the representative. 
After receiving the application I completed all sections, attached the documentation requested, faxed and emailed the packet to CHL on XX/XX/XXXX. This information was requested again numerous times which I both emailed and faxed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with additional documents requested sent on XX/XX/XXXX and XX/XX/XXXX. Today, XX/XX/XXXX I received notice that the Loss Mitigation was denied due to the documents requested not being provided. Although on XXXX XXXX, XXXX XXXX, employee ID # XXXX, stated CHL had everything they needed, underwriting had the packet and would have a decision within thirty ( 30 ) days. He also suggested that I phone once a week for a status update. 
It has also been brought to my attention that the last half of my XX/XX/XXXX Real Estate taxes due on XX/XX/XXXX were not paid on time and have accrued interest and penalties.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am in disagreement with the account listed below which still appears on my credit report. Even after investigation, I would like this items immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. In accordance with the fair and reporting act public law 91-506 Title VI section 611. Please provide the name and the business address of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your investigation.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I have made XXXX payments on my student loan. None of these has been applied in a timely manner. None were applied to my loan at first and it has required multiple calls each week as well as screenshots of the money leaving my bank account to get Mohela to apply the money at all. 
They refuse to back-date my payments to reflect the amount of interest I should not have accrued would they have applied the money I sent to my loan in a timely manner. 
Today I spoke to a supervisor, XXXX, about my XXXX  payment made that still has not been applied to my loan amount despite being received my Mohela weeks ago. She indicated it is reasonable to expect months of waiting before that money will be posted. When I requested a reference number for the service ticket request and escalation request, she refused. She refused to give me any callback number other than the general line which takes me XXXX hours to finally get off hold with. 
I'm trying to repay my loans and starting a new job to help me do so which will not allow me to spend multiple weekdays on hold begging for money that I paid through the webportal as recommended to be applied toward my only loan. This feels so predatory.