davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (PA)

I requested my CoreLogic credit report XX/XX/XXXX. I received the wrong credit report on XX/XX/XXXX. I reached out to CoreLogic to let them know they sent the incorrect XXXX credit report. On XX/XX/XXXX I received my XXXX credit report. I seen some items I didn't agree with so I started a dispute. In there letter they mentioned if a consumer shall find any inaccuracy that the agency shall conduct a reasonable investigation. I found that hard to believe. I never received any validation with my signature on it which I asked for on XX/XX/XXXX for validation. Corelogic responded back on XX/XX/XXXX stated it was verified, still no copy with my signature. I wrote back on XX/XX/XXXX asking again. CoreLogic responded back on XX/XX/XXXX stating that they already verified and I need to contact the creditor to confirm validation. Why would I contact the creditor, Corelogic is the one reporting the inaccuracy on my credit report? Then XX/XX/XXXX CoreLogic suggested again that I need to check with the creditor. If CoreLogic doesn't have validation ( signed contract ) with my signature on it, they need to remove/delete inaccurate information reporting. They then tell me in the meantime they have open a dispute on my behave. I find coreLogic in violation of my consumer rights and I like to seek relief and recover all monetary damages that I maybe entitled to section 617,616
Consumer complaint received 2018-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I was granted a simple interest loan, with an 18.2 % interest rate which I understand to be the default rate for borrowers with poor credit. I understand that, but the issue I have is that, although I've made some but not all payments, my loan balance has not amortized. I've mentioned this to the company ( Santander ) on two separate occasions, but received no explanation why this is the case. So, the monthly payment is being applied as interest, none to principal. As a result, the loan 's interest rate is effectively 27.6 %. I have calculated a loan amortization schedule, incorporating the details from my loan, and the monthly payment amount " works '' ; so I'm not sure what the Bank is doing, but no change has been made or explanation given.

As of late, I have fallen three months behind in my payments, but just called today ( XX/XX/18 ) to inform the Bank that I was going to bring my loan up-to-date next week, when I receive additional income. Instead of noting such, I immediately got the third degree of can I pay today, why haven't I paid, etc. I got angry for being treated this way for the " nth '' time, and their response was : your car was assigned for repossession ; so we need to get you under a certain number of days past due, etc.

I understand that I'm delinquent, but there's only some much someone should take when a borrower is distressed but trying to be compliant.
Consumer complaint received 2018-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

We closed on an investment property in XXXX, TX in the beginning of XX/XX/2018. The original loan was for $ XXXX. The escrow should have already been set up at that point to cover all insurances, including flood insurance for the year. The original lender XXXX XXXX sold our mortgage to RoundPoint Mortgage in XX/XX/2018. 

RoundPoint on more than one occasion demonstrated terrible communication. They did not have various documents ( they kept asking for things over and over again via mail ), and did not acknowledge our new account until right before XXXX 's mortgage was due. This is relevant because they then over paid the flood insurance to FEMA in XXXX. They sent them an extra {$6200.00} from our escrow. 

RoundPoint did not inform me of their mistake. It was in fact, my insurance broker 's office ( XXXX XXXX ) who called me and told me that the mortgage servicing company had paid the flood insurance twice. FEMA sent us back an overpayment check. RoundPoint then sent me a statement in XXXX claiming escrow for the year was going to be short, and that for XXXX we were going to have to either send them {$10000.00}, or our monthly mortgage was going to increase by + $ XXXX/month. 

I called them and asked 1. ) Why was the flood insurance double paid?, and 2. ) How can the escrow be that much off when the loan is only a few months old?  Their response was literally, " these things happen '' and " you'd be surprised how often this sort of things happen. '' They gave no reason why the flood insurance was handled so poorly, or why the escrow was still apparently $ XXXX off from what was calculated for closing only a few months before. 

I have trouble getting them on the phone ( I'm on the XXXX coast, their offices on the XXXX coast ), and the website login doesn't give access to much account info at all. I sent the FEMA overpayment check back to RoundPoint to be put specifically into escrow but they have not informed me of any changes yet. I logged onto their terrible web interface and I see that the monthly mortgage has now been recalculated. 

So, in essence this is what happened : XX/XX/2018, close with a monthly mortgage payment of {$1700.00}. 
XX/XX/2018, loan sold to RoundPoint. 
XX/XX/2018, RoundPoint over paid flood insurance. 
XX/XX/2018, Round point says we were going to have to either send them ~ $ XXXX, or our monthly mortgage was going to increase by $ XXXX/month. 
XX/XX/2018, I get the FEMA overpayment back into escrow with RoundPoint. XX/XX/2018, RoundPoint recalculates our monthly mortgage payment to be {$2100.00}. 

Why are we being asked to pay ~ {$300.00} more a month when we only closed last XXXX? Why are they not taking responsibility for their mistake? I don't understand how the terms of the loan can change this much. I'm not sure what action to take now. 

Thank you, -XXXX XXXX
Consumer complaint received 2018-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The check I received from work ( XXXX XXXX XXXX ) on Friday XX/XX/XXXX for {$440.00}, which I have been depositing through Bank Of America ATMs for the last two years and which have always been paid out by the company and never caused problems. was placed on a hold by the bank. Upon calling Bank Of America to inquire about this the next morning, I was informed that the hold would last until the XXXX, and that my first {$200.00} deposited would be made available the morning of the XXXX. I need those funds to make payments by Monday XX/XX/XXXX, but the bank representative I talked to was extremely unhelpful, saying that there was nothing they could do to reverse the hold or push up the payment of the first {$200.00}, which according to their policy must be made available the day after my deposit.
Consumer complaint received 2018-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

On XX/XX/2018, I visited Citibank XXXX XXXX and opened a checking account. My account number is XXXX. I was served by XXXX, XXXX XXXX. He promised me I could receive a XXXX dollar bonus after I deposit XXXX bucks in 30 days and keep it for 90 days. I did accept this offer and I did a deposit. 

Later, I wait till XXXX and there is no bonus appear. I went to CITIBANK online chat and was told I have to wait till XXXX. Then I wait till XXXX. and no bonus appear. I made another online chat on XX/XX/2018, and was told I have to send my XXXX form because of the banker 's mistake. The person I chat with is named XXXX. She confirmed my bonus, and said I have to wait another 14 days. Well, I send the form to Citibank, and then I wait another 2 weeks. 

Today on XX/XX/2018. I made a third-time online chat. The customer representative named XXXX said she can not find the account bonus, refused to do further investigation for me, and urge me to go to branch, which is 300 miles from my current address. She said the bonus is end on XXXX. But at the moment I check with them on XXXX and XXXX., they just let me wait!
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (PA)

XXXX XXXX XXXX has not reported on my XXXX since XX/XX/18 as paid or current as by my report XXXX  File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.
Consumer complaint received 2018-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live. Also I asked the Bankruptcy to be removed stating that the FCRA states UP TO 10 years not the entire or exact 10 years it has to stay on my credit reports. It has been 9 years and 8 months. I'm a XXXX veteran and I suffer from XXXX and this is very bothersome for me at this time in my life.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (DC)

On XX/XX/XXXX I tried to log into my personal and business checking accounts with Suntrust. Said wasnt available and didnt work for mobile. I called and they told me over phone- we closed your account and you'll be mailed your check. They wouldn't tell me why, how, when. 
That is my rent money, my grocery money, my gas money. They did not notify me in writing, via a call, text, nothing. No warning. No reason. 
I went into a branch as I am traveling in XXXX. They tried to call corporate. They said with no " activity '' on the account for five days then account would be closed and check then 10 days and then sent. They said the closing process started XX/XX/XXXX! I had funds automatically setup from other companies transferred to the account, automatic withdrawals setup etc and they did not tell me to not interact with my account until I had to have a branch call and find out details of how I can access my own money on XX/XX/XXXX. I had to ask! So the bank can take money into my account, allow attempted debits, refuse the debits but accrue the funds and gain interst on my money, all well penalizing me in multiple ways- 1 ) charging me fees when the attempted debits dont go through even though I wasn't told not to use my account or explained why, 2 ) stealing and hoarding my money and my companies money and gain interest on it- and grow the funds because they can accept deposits on a " closed account '' but can release it to the owner of that account, 3 ) prolonging the release of funds as they did not tell me or give me any sort of details that when something interacts with my account- even a return or automatic transaction- it makes it so my funds are prolonged from me 4 ) no way to access my own money for over a month causing XXXX XXXX XXXX  such as XXXX and XXXX 5 ) no access to see what has and hasnt been attempted etc to my own account to see when I can get access /what merchant transactions are accurate etc. This has to be illegal! They said they would mail me a letter. I have  received nothing. This is XX/XX/XXXX. They have had my money and no plans to release it. What am I to do!? How can they not give 24 hours  notice, explain a week ahead of time? If my rent is late my landlord evicts us. That money was for my rent. So now I will be evicted, can't buy groceries and am unable to buy gas. How is this even legal?! And the bank is tricking me bc they won't tell me anything about what has posted/not and didnt tell me not to issue checks at start of month etc or to cancel my subscriptions etc. They just want to hold onto the funds. This is ridiculous!!!!!! On top of it they charge me XXXX and XXXX each month which I was charged to have an account, then they are going to charge me each debit attempted on the account even though I was unaware of what was going on as they didnt communicate with me to have things changed.
Consumer complaint received 2018-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Harmon Law Offices, P.C. (MA)

Harmon Law PC has been sent a demand/automatic stay letter for 940 CMR sub section 7.08 and affidavit of automatic stay, both have been ignored. Harmon Law on behalf of XXXX XXXX XXXX XXXX XXXX not only has ignored these rules etc.. but also has gone ahead with putting notice of land court active military test in the local newspaper stating that their client XXXX XXXX XXXX XXXX XXXX has taken possession through assignment which again has not been proven.See attached which has been sent to Harmon in a XX/XX/2018 and ignored after sending me a letter stating that this process in on Hold. this is an illegal foreclosure whereas Harmon Law is proceeding without legal process. Both were sent via certified mail mail number is on top of the attachment letter. As you can see in the letter from Harmon Law PC dated XX/XX/2018 they in writing stated to " HOLD '' until this is met and have NOT!! I am requesting the CFPB do their jobs and hold Harmon Law accountable in keeping the laws and not breaking them as they are doing here. This is an illegal attempt!! Please see my evidences attached.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I learned that XXXX XXXX American Express had reported that I was 60 days late on a {$9.00} charge I made to that card on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX credit department ... .and after several calls was told I needed to call back the next day and talk to a Credit Consumer Specialist. On XX/XX/XXXX, after two calls, I finally was able to speak to a Specialist. We went over the charge. We went over the fact that I had signed up for on-line statements and bill pay : And, that I never received any emails for this {$9.00} charge. And, that the only email re a statement due came on XX/XX/XXXX, the day after I had charged {$60.00} plus dollars on that same card at my local XXXX XXXX. I was travelling on the XXXX. Went on to XXXX 's on-line bill website on XX/XX/XXXX to pay my bill. It said I owed $ 77ish dollars. My bank account is right on the website as a link to pay. And, I authorized payment. Nothing was said that I was deliquent or had any late pay issues. I only found that out by my credit monitoring company sending an email stating the same and calling me on XX/XX/XXXX to figure out why this happened. All this was explained to the Credit Consumer Specialist. She didn't care. She couldn't/would n't remove the deliquency notice. And, when she asked if I wanted to dispute the matter ... ... She read me a legal notice that was quite threatening and intimidating ... .and not fully disclosing or accurately disclosing what would happen if I did dispute the matter. The legal notice she read me said that if you dispute the matter, you will be denied a mortgage or a loan by a lender until the dispute is removed or resolved. At no time, did she tell me that a dispute is resolved in 30 days. That I found up by calling XXXX   ... .and filing the dispute directly with them. XXXX XXXX Specialist also failed to disclose that a deliquent account stays on your credit report for 7 years ... unless cleared out by filing a dispute. When I raised the fact that XXXXXXXX XXXX legal disclosure was threatening, the Specialist did everything she could to continue the threat of financial consequences should I file a dispute. XXXXXXXX XXXX needs to revise their legal disclosure and retrain their Specialists so that a consumer is fully informed of how the dispute process works, that it is quickly resolved in 30 days, and if its resolved in the consumer 's favor ... .their credit score will be restored to its former glory ... .rather than threatening no ability to obtain loans or credit cards in the future should you file a dispute.
Consumer complaint received 2018-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit report shows an account and remarks that does not reflect my report accurately. The account in question is an closed account ..XXXX/ XXXX XXXX XXXX with a closed date of XX/XX/2013, and remarks stating card was lost or stolen. I'm asking that this account be removed from my report.
Consumer complaint received 2018-09-22
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. (MO)

Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2018-09-22
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: EQUIFAX, INC. (MO)

Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX  since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2018-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2018-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

this mortgage company AMERIHOME MORTGAGE XXXX XXXX XXXX XXXX NJ XXXX MY LOAN NUMBER XXXX HAS MISAPPROPRIATED MY MONEY IN THEIR ACCOUNTING {$170000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$160000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$3500.00} DIFFERENCE MISAPPROPRIATED TO SUSPENSE DESPITE MAKING A REPAYMENT TOWARDS PRINCIPAL, PRINCIPAL HAS INCREASED INSTEAD OF DECREASING AND NOT GIVING ANY SATISFACTORY EXPLANATION FOR THIS FRAUDELENT MISAPPROPRIATION AS PER THE ONLINE CHAT TRANSCRIPT WITH THEIR CUSTOMER REP ON XX/XX/2018 ATTACHED HEREWITH BELOW
Consumer complaint received 2018-09-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

1. Capital One made an offer that promised to pay {$250.00}, if I deposit {$100000.00} into a new Money Market account and keep it there for 90 days.

2. I made a deposit of {$100000.00} on XX/XX/2018 and keep the money there for 3 months ; 3. On XX/XX/2018, I contacted Capital One regarding this offer ; 4. Online chatting representative told me I am not eligible for this offer because I had had another savings account with Capital One ; 5. I did not see such a restriction when I opened the account ; 6. I demanded to see the original marketing material and the agent was unable to provide.

7. I believe they are intentionally lying to avoid paying {$250.00} to me.
Consumer complaint received 2018-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (PA)

Phone calls from this number - XXXX, which is a scam number stating that extended family members have debt and that I am implicated. Most recent call and voicemail received on XX/XX/18 at XXXX.
Consumer complaint received 2018-07-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (GA)

Over a period of several months/years, we, the mortgagors, requested, on multiple occasions, to deed the property in question back to mortgagee with zero success. 

In spite of our multiple conversations and letters to Wells Fargo Home Mortgage, they completely ignored our efforts to resolve this issue amicably with the threat and/or execution of foreclosure proceeding. 

Every effort on the mortgagors part to resolve this issue was ignored and, as a result, the mortgage was foreclosed on. 

Since the foreclosure, Wells Fargo Home Mortgage has submitted erroneous data to the 3 major credit bureaus with impunity.

For several years, Wells Fargo Home Mortgage continued to send out monthly mortgage statements ( XXXX thru XXXX ) even though the mortgage in question had been discharged in XXXX. In addition, they were also subsequently reimbursed for some of the 'discharged ' mortgage balance after the mortgage was foreclosed on.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of Fort Walton Beach, Inc (MI)

They keep calling my number for various people and each time I tell them no wrong number and then they will call back again for someone else.. Every AFTER I TOLD THEM WRONG NUMBER.. last time I got 2 calls in the same day within 20 minutes of each other, for the same person!
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX has been closed since 2017, furthermore account was transferred to XXXX  XXXX XXXX   in XXXX. Both XXXX and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AR)

My lender is Wells Fargo my home preservation specialist is XXXX XXXX, he requested my XXXX XXXX and a signed and dated copy of application I provided XXXX with those documents on the XXXX of XXXX and on the XXXX of XXXX I got a email from wells fargo then my case had been closed. In my opinon I don't even think wells fargo sent any of these documents to my investors/underwriters for review???? I want answers to why did this occur ASAP! >>>