davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

i had done a modification on the mortgage and what i just found out is unbelievable. The modification was done for XXXX years and I am only paying the interest on the loan. I have been paying paying biweekly thinking that the mortgage principle was getting paid down. This is underhanded by the financier on the loan. That they are getting away with this. I also had my loan bought and serviced 3 times. Even though I was paying my payment through ach from my bank account neither one of the banks or servicer 's will remove any of the supposed late payments. First it was Country Wide, then Bank of America, then XXXX XXXX XXXX, then and now XXXX XXXX. Whom which told me that the loan payments are for interest only. 

XXXX XXXX How can they get away with this!
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

Stop trying to profit off the consumer. I in no way had a contract with 2 companies. XXXX XXXX needs to prove they bought the debt with a bill of sale and contract on XX/XX/2017. XXXX XXXX needs to identity they are still the true owners of this account. You charged it off so did you sell it? If you sold it to XXXX then you cant collect 2 x. 

Fix my report. You don't understand when a consumer loses their job, you try to damage them even more. You have to produce proof of ownership. If you own it then update my credit report to reflect original creditor date. I had a contract and you can not change the contract terms. 

You've paid off 0 % of your collection amount. 
Balance {$590.00} Highest Balance {$590.00} Opened XX/XX/2017 ( 1 yr, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Fillied a disputes on XX/XX/XXXX About two transactions from XX/XX/XXXX for {$2500.00} and XX/XX/XXXX for {$2900.00} for XXXX. 
This vendor has failed and canceied all the services purchased. Capital One has failed to abide by Consumer Protection Laws.
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

This is a complaint against SLS ( Specialized Loan Servicing ). 

I am refinancing a house in XXXX XXXX XXXX with my father. The mortgage is less than XXXX years old. Our current lender is Specialized Loan Servicing, otherwise known as SLS. We are refinancing using XXXX bank. 

The process began with XXXX bank at around XX/XX/XXXX. By XX/XX/XXXX, we had written a check to the law office representing SLS to kickoff the XXXX process. 

XXXX 's law office had estimated the process to take XXXX weeks. I check back with XXXX 's law office on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They informed me that they have been checking with SLS ( and their law office ) regularly and that the only information they have is that SLS is still working on getting the collateral documents. 

By XX/XX/XXXX I had already extended my rate lock-in with XXXX once. I directly call SLS at XXXX, but the customer service representative didn't have much information for me. They referred me to call XXXX Mortgage instead. XXXX  could only tell me that they have requested the files from their external custodian and there is no estimated time they can give me of when it will complete. 

On XX/XX/XXXX, XXXX 's law office CCs me on their email exchange with the law office representing SLS. I can see XXXX 's law office had been frequently requesting updates from them. From that day til now, XX/XX/XXXX, the only thing they have told us is that they are still working on the files and we will get it when it's ready. There were zero estimations, and zero status updates on their progress. 

With interest rates rising, I have to keep extending my rate lock-in with XXXX. This is costly. The lack of transparency and slow pace from SLS in the last 3 months, has cause me distress and increased risk in my refinance.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My exact issue was not stated, but it deals with Bank of America withdrawing a {$36.00} automatic payment from my acct. on XX/XX/2018, 6 days after I paid the complete balance of {$3600.00} on XX/XX/2018 and asked if the balance was XXXX, which the cs agent said yes, then I asked that the account be closed. Then, since they had authorization to take automatic payments, this company fraudulently took a {$36.00} payment on XX/XX/18 that I did not owe and then they charged me a {$27.00} return check fee because I had already closed the checking acct. I used for the automatic payments.I am dealing with phishing scams on personal email and possible theft of my checking acct. #, so I closed my checking acct. & opened another. The only way I even knew this was happening, was that I received a letter telling me that there fraudulent attempt to get another payment from me had failed and now I was being charged a fraudulent fee for a return check??? This is evil. I spent 1 hr. & 15 minutes wasting all of my phone minutes trying to reach a cs agent at Bank of America, talking with XXXX first who hung up on me because I was upset, XXXX who would not listen to me, but did take the return check fee off & finally XXXX who told me that the {$27.00} fee was taken off and the {$36.00} payment was cancelled out. I wanted a written confirmation of all of this evil that had been done to me and their confirmation that I had a XXXX balance, but they told me they can't even do that, I will have to call back and waste my time again on Bank of America.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account, as consumer will not be held responsible for any mistake by the institution or merchants. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved. Please provide the bill of sale, authorization of charges within 5 business days period. Unable to comply with request determined the unauthorized charges to be void. 
*Under Fair Credit Billing Act ( FCBA ) it is mandatory to comply with disputed request of 161.Correction of billing errors, 165.Treatment of credit balance, 166.Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor. 
170.Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses.
Consumer complaint received 2018-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (VA)

My mortgage is current with Seterus Inc., and has been paid on time over the past 9 years. The payment is due on the first ; the grace period is until the XX/XX/XXXXof the month. My payments for XX/XX/XXXX and XX/XX/XXXX were paid after the XX/XX/XXXX but before the XX/XX/XXXX. When receiving the statements, they show a past due amount because the company sends out statements dated the XX/XX/XXXX. There is no past due payment on these statements. When speaking with a rep, I was told this is what the company does and a lot of customers get upset about it. It doesnt look good to get a statement showing past due when that is NOT the case. This could be very confusing to some clients who scramble each month to keep their payments current. They could end up forwarding additional payments thinking theyre past due. The company should be able to change their practice and not send statements out until after the XX/XX/XXXX of the month.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

My credit reports are showing that my Walmart store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (CA)

I notice a couple of hard inquiries on my credit report from XXXX and XXXX. That I did not give permission to run my credit. 

The name of the Company was TD AUTO financial XXXX XXXX, M XXXX Please help me to correct this item. Thank you
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CO)

I received a call from a XXXX XXXX with Alternative Dispute Resolutions originally from an unknown number, then he left a message with phone number XXXX-XXXX-XXXX. He claimed to be following up on a civil complaint on behalf of XXXX XXXX for a bank account of mine that was forceably closed in XX/XX/2009  due to extensive overdraft. He said I owed $ XXXX+ and that amount would triple in 48 hours. He said someone would be at my house to serve me for an appearance in court on the matter by XXXX  XXXX  today if I didnt resolve the issue. I had a checking account with XXXX back then, it was closed but I paid them. This man had my full SSN!! Who collects on a debt thats almost 10 years old? I have a current account with XXXX XXXX. If I owed them money, they wouldnt have opened an account.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

On or about XXXX XXXX I asked XXXX XXXX to send me XXXX checks as I only had one check left in my XXXX XXXX checking account. I learned to from Schwab employees that my checking account had been closed! This without my authorization or knowledge! XXXX from Charles Schwab brokerage called late this morning to tell me that BOTH my checking account and my brokerage account had been closed! He told me, " This is a Schwab mistake ''! He said that my two accounts would be restored. 

Why though were my brokerage and checking accounts closed? 

Who closed them? 

Why did Charles Schwab employee XXXX repeatedly tell me my checking account was closed by me when I repeatedly told him that I had not closed it? 

How confident can I be that this will not happen again? 

How confident can other Charles Schwab Bank customers be that this will not happen to them? 

This is a scandal and not just a " mistake ''!
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (SC)

I have a medical collection account placed on my credit report by Aargon Agency. They claim the original creditor is XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and I was informed that they did not send anything to collections with Aargon Agency. I was informed to submit this complaint, and dispute directly with the collection agency. Well I attempted to make contact with this collection agency and and was never able to get anyone on the phone. I then sent a certified dispute letter per my attorney and the mail came back unable to deliver. The address is an address that is reporting under the creditor information. This medical debt does not belong to me and the original creditor states they DID NOT place a collection with this company. I'm unsure of what kind of company this is because I can't seem to get anyone to explain this collection to me and why it's being reported on my credit file.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (CA)

To whom it may concern, Thank you for taking the time to read my comments and concerns. I am currently a XXXX XXXX customer of over 15 years in total dating back to the account that this letter pertains to. 

I am reaching out to the CFPB in the hope that they may assist me in finally reaching a resolution to my unique situation. 

My previous account was sent to collections on XX/XX/XXXX because there was a dispute on my behalf of the total charges of {$1800.00}. I was willing to pay the total amount due at the time but naturally, I needed a more detailed explaination from a Representative explaining to me how the bill became so high.I didn't receive enough information to verify debt. After several months of back and forth with my Unresolved matter and unanswered questions the account was sent to collections without me being aware of this action taken against me. If I knew that XXXX was going to send the account to collections I would have just paid the entire amount reluctantly.I didn't receive notice of my right to dispute. Fast forward to XX/XX/XXXX, I was contacted by a Collection Agency ( Diversified Consultants ) that is hired by XXXX XXXX that said they represented you as theyre client and as long as I secured payment with them in the form of a settlement for the amount of {$750.00} that they would notify XXXX and that my debt would be settled and all negative remarks removed/deleted from my account and credit reporting. Sounds good right? So I pay and Im under the impression that all is well. Fast forward some more to XX/XX/XXXX Im currently in the process of refinancing my home Loan and have been going through the steps with my lender. To my surprise I was notified that I still have XXXX XXXX showing as a collection on my credit report from a couple of years ago. The report shows that the account in question has been settled for less than full payment and the account has a zero balance but it has not been deleted/continuing to report. 

After calling XXXX XXXX customer service representatives numerous times last week and spending hours explaining my story to several people I have been unable to get this resolved. I dont know what else to do and if Im not able to refinance my mortgage payment with my lender ( XXXX XXXX ) XXXX XXXX , I could be in jeopardy of losing my home entirely. I feel there has been inaccuracies with This credit reporting from the beginning and I cant stress enough how important it is to my Family that I be able to have this resolved. Please please reach out to me somehow so that we can discuss this further. 

I appreciate you so much for reading this as I know you must have more important things to attend to.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (IL)

I took loan out with tower loan financial in XXXX they sent me check in mail. and I paid on this loan for almost year the first loan the amount was XXXX XXXX I had paid back. I had paid them paid down to XXXX XXXX then they called me in XXXX of XXXX ask me did I want more money this was the manger I said yes I took XXXX XXXX dollar loan out second time. he would not tell me how much I would pay back he just told me how much payment was it was XXXX dollars month. when I called back the next day he was already fired. I have pay XXXX back I paid on this loan until XX/XX/XXXX I started having trouble paying my bills am in hard ship right now am on buget plan I  single I have lost my mom and dad I no body halp me with bills. I have told them this in XXXX and XXXX to drop the payment down so I could pay XXXX dollars month. I talk to the new manger this she said no she said was going take me to court and get lien put on my house because I have it up for sale .they would not work with me no way. they call all hours of the day on my house phone and and on my cell phone and they have been to my house I told them I was not going to pay them I didn't have I would pay the balance off when I sold my house. but they are still calling what can I do they told me they where going to take my ssi and ssa check away from me.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

Yesterday ( XX/XX/18 ), my son and I both received phone calls from National Credit Systems , Inc saying that we needed to call immediately regarding an account for my son. He and I called together right away and my son gave them permission to speak to me since he is XXXX years old. We were told that they had just taken over an account for an outstanding balance from when my son moved out of his apartment in XXXX, Florida in XX/XX/2018. We were told that the full amount of {$2500.00} had to be paid that day and that if it wasnt my sons credit would be negatively affected. After some conversation with the rep ( XXXX ) from National Credit Systems, my son and I both thought we heard her say that the account could be settled for {$1300.00} if I paid right then, so I gave her my credit card information. When she came back on the line to confirm, she told me that she had charged my card for {$1900.00}. However the miscommunication happened, that was not the amount I thought I was agreeing to so I told her to please void the transaction. First she told me they were not able to do that. When I insisted, she transferred me to her supervisor ( XXXX ) who said that he could void the transaction, but if the account was not paid in full that day that my sons credit would be negatively impacted. When I asked about payment arrangements, he said that he would not authorize any payments on this account since I was making him void the credit card charge and that my sons credit was going to be negatively impacted by this. My son called back today ( XX/XX/18 ) to try to work out a payment plan and was again told that payment in full was required and that he was going to ruin his credit if he didnt pay right then. He asked for something in writing showing the exact amount and stating that payment in full was required and was told that they dont do anything by mail or email and that they will only handle accounts over the phone. I dont know how any of this is legal, but even if it is, this certainly isnt fair business practices.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

Equifax incorrectly listed my paid off XXXX XXXX XXXX loan as an account that was closed. This caused my credit score to decrease. Also, XXXX went bankrupt but my account is noted as " closed by creditor '' which caused my score to drop
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit asking that they remove results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america core checking account can waive the checking account monthly fee if there's direct deposit of {$250.00} and more. I have a direct deposit of {$250.00} in XXXX but bank of america still charged me a monthly fee of {$12.00}. They said that they can not waive the monthly fee for me because they have a specified billing period. The direct deposit dates must be in the billing period ( XXXX to XXXX of next month ) to get the fee waived. 

This is not stated in the agreement when I opened the account. Hope that bank of america can help me reverse the monthly fee.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Experian The accounts listed below are not mine. 

XXXX XXXX XXXX  Bal {$200.00} Credit Limit {$500.00} XXXX- XXXX XXXX Bal {$2500.00} Credit Limit {$2500.00} XXXX XXXX XXXX XXXX Bal {$16000.00} I dont know of the following collection company listed on my credit report XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization  regarding these inquires. 
XXXX XXXX Inquire Date : XX/XX/XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX Inquire Date : XX/XX/XXXX These items need to be deleted from my credit report. 

In addition, please remove the following Addresses listed below XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers listed : XXXX XXXX  AND XXXX XXXX XXXX
Consumer complaint received 2018-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Someone withdrew money from my checking account using chase banks quickpay with XXXX without my authorization. I have never signed up for the service but chase allowed someone to withdraw money anyway. Now they keep sayi g I authorized the transaction and are demanding I prove otherwise. They also have frozen my account so I have no access to my money.