davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2016 I received a packet from Bank Of America requesting additional information for my home loan application, I filled out the packet forwarded via XXXX/Fax To ; XXXX XXXX my ( CRM ) Ph. # XXXX Ex XXXX. CC. Attorney XXXX XXXX XXXX of XXXX XXXX Law firm. Ph. # XXXX Noted XX/XX/2016 XXXX XXXX XXXX XXXX notified me by parcel mail stating the bank has received my inquiry submitted CFPB # XXXX Moving forward he would will be fostering my modification review with the Bank. XX/XX/2016 I received another letter from XXXX XXXX my ( CRM ) For ( BOA ). Stating we are no longer reviewing your application for loan assistance because we did not receive the requested documents this is not only false, Absolutely frustrating from a barrower stand point I made several attempts to bring the loan current, I was told the system will not accept payment the loan is in default. Every month the bank attaches accumulated fees. I provided the requested documents for the modification. Someone needs to acknowledge there is a communication break down in all parties supposedly involved in the matter at hand. My loan is ( FHA ). Bank Of America has a Obligation, Fair Debt Act 15 U.S.C. ~1692 elt seq / Real Estate Settlement Protection 12 Act 12.U.S.C.~2605
Consumer complaint received 2016-12-23
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (WA)

I noticed a few unauthorized transactions. they refunded me sum of the transactions, but no info on three atm withdrawls, they told me that they could not provide any info. I belive it was identity/use of card without knowledge. theywill not give me proof of findings, also they did not replace the disputied funds like they said in the trems of card poiciy.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

This complaint is for and against IC System # ********XXXX I was XXXX customer until XXXX. After using XXXX for over three years, XXXX starter to increased my rate when renewing contract, XXXX was charging me with taxes and for items I was never advised of therefor I had to terminate my contract with XXXX. I called XXXX customer service asked them to change my plan or to reduce my rate or modify my contract. 
I asked for my deposit I gave XXXX in order to get their service they said that did not qualify for the deposit to be returned because I did not make my payments on time for 12 month straight without being late therefore XXXX keep my deposit. I asked XXXX to submit my last bill to my chapter XXXX payment plan but XXXX never did, all of this happened in XXXX. after I called XXXX and asked them again to submit my last bill statement to my chapter XXXX bankruptcy XXXX never contacted me again. four years has passed now after last contact with XXXX I have being discharged now and XXXX and IC System have retaliated against me by sending or reporting this " non paid fees '' to all three national credit bureaus ( XXXX, XXXX and XXXX ) I have called two of these credit bureaus and they advised me that XXXX started to report this " non paid fees '' to the credit bureaus a month after my bankruptcy discharged month of XX/XX/XXXX. 
IC System started calling me every day the first week of XX/XX/XXXX. IC System approach me by asking to verify my name and address I asked IC System not to call me again if they were not willing to disclose the reason of calling me, and I also advised them that I didnt trust collecting calls over the phone, and to send anything over the mail. Now I have received a letter from IC System, and because of this letter I learned what is described above this complaint.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (TN)

I've been using my DISCOVER credit card for about 2 years. I ALWAYS paid my bill on-time and in full each month. Two months ago, DISCOVER froze my card without notification. Then they sent me a notice that they wanted me to sign IRS Form 4506 which would give them access to my federal tax filing information. They didn't need that when they initially issued me credit, so why now. They could not give me a reason nor a reason for freezing my account. So, I would not sign this 4506 authorization and DISCOVER is now closing my account. I want a reason why they froze my account to begin with. And, did they ask 4506 signatures from all their other clients for no reason or did they discriminate against me?
Consumer complaint received 2016-12-14
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (CA)

Netspend put my tax refund on a card. When I used it at XXXX store to buy a XXXX ticket, Netspend blocked the card from me using it claiming possible Fraud, What resulted was months and months and months and money spent at XXXX XXXX trying to jump through every hoop to prove I was owner of the card and that no fraud had occurred by emailing, calling, faxing THAT RESULTED IN THEM KEEPING ALL MY MONEY .... IN THE END, THEY SAID THEY RETURNED IT TO THE IRS ... but the IRS says they have no such return. The amount was approx. {$1800.00} ... but since we lost our apartment, my car, our marriage, our children 's respect, and my job due to the time, energy, effort, and resulting medical diagnosis of XXXX, I really can not put a dollar amount on the devastation this company has caused me. I want this company to be held responsible for knowingly practicing acts of dishonesty, setting up help call lines answered by individuals who lie saying they are located in Texas and are not, and do not ever intend on helping the customer. I have documentation of every call, up to XXXX minutes each time, and want to be reimbursed my tax refund and an additional amount to compensate me for the physical, psychological, and financial damage this company has caused me. Thank you.
Consumer complaint received 2019-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PA)

I was rudely hung up on by XXXX XXXX and XXXX XXXX at M and T Bank headquarters XXXX XXXX XXXX. They know that my home was wrongfully sold but refuse to follow civil procedure and ignore regulations. An investigation was done by the Sheriff 's office into the fact that this foreclosure was not conducted correctly. People should not be exploited like this. The law should be followed.
Consumer complaint received 2019-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hunt & Henriques (CA)

I filed a complaint with CFPB and FTC regarding Hunt & Henriques collection practices. They had sent me a letter alleging that I owe a debt for {$5500.00}. I sent them a letter requesting validation of the debt. They sent me back a letter stating I have no right to ask for validation. Well, that complaint was heard and answered. Today XX/XX/2019 I recieved another letter from Hunt & Henriques stating " RE :  NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS '' It states they intend on filing suit against me. This is clearly in retaliation for the complaint which I filed on them XX/XX/XXXX for this same alleged bill of {$5500.00}. They are now threatening me. This is clearly retaliation and harassment. They need to leave me alone. I dont know who they are and I do not owe them anything. I am filing this complaint for documentation of thier abuse. Please advise what I can do. Thank you XXXX XXXX
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am currently in the process of purchasing a home and had my credit pulled. It came to my attention that Bank of America posted an erroneous Mortgage Account XXXX with Late Dates : XXXX, XXXX and states consumer disputes - reinvestigation in progress ; foreclosure ; 180 days or more past due. The account shows a zero balance and zero payment due however reflects late payments? This is direct violation of the FCRA ( fair credit reporting act ) and should be removed from XXXX, XXXX, and XXXX completely as it is completely false reporting. My Bank of America mortgage was closed in XXXX. I would also like a letter faxed to me at XXXX on Bank of America letterhead stating this was posted to the XXXX bureaus by mistake and this account is not late nor is it even an open account.
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NJ)

XXXX XXXX XXXX XXXX has arbitrarily and without notice decided to restrict online access to my mortgage account on the grounds that I have a bankruptcy on record, nevermind that I never stopped paying ( overpaying ) my mortgage and that the bankruptcy was 10-plus years ago ( so long ago that the customer service rep I spoke to on XX/XX/19 could not even find it in the bank 's records ). 
I've always had full access to my mortgage information with XXXX XXXX. This has been valuable for budgeting and planning, showing insurance costs, escrow information and a schedule of future payments. I wanted to see on this day how many payments I had left.
Consumer complaint received 2019-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (UT)

In XXXX and XXXX I and my daughters took out Parent Plus loans through NAVIENT for their college education. Daughter XXXX XXXX took out a {$20000.00} loan and daughter XXXX took out a {$23000.00} and a {$21000.00} loan. 

Since we were having trouble paying the monthly amount originated with the loans I called NAVIENT for an alternative payment plan. 

Now after eight years of payments, of {$3700.00} on time we owe {$67000.00} in principal which is several thousand more than we originally borrowed. Whats more I'll be paying $ XXXX monthly on these loans for the next 20 years -- until I'm XXXX years old. 

It feels like a total scam and ripoff. I can't believe this unscrupulous company would do this to college parents and their children who are trying to get ahead but will be dragging anchor for another two decades.
Consumer complaint received 2019-09-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$740.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  -CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not my account.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

Hello, I opened a checking account with Citibank online on XX/XX/2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX XXXX miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. XX/XX/XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, XXXX XXXX
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I came to notice a check fraud on my business account XX/XX/2019. A check number XXXX was cashed out of my account in the amount of XXXX dollars. I recently changed the name to my business legally and made changes with the bank as well. New debit card and checks were ordered. Debit card was received in the specified time of arrival, checks did not. I am a XXXX driver, so I was out of state when the checks came in the mail. Checks were stolen from the mail box and cashed. I called the bank to notify of the transaction and filed a claim. The check does not have my handwriting nor my signature. I was given 3 to 5 working business days for the investigation to complete and refund of the money. I called in Wednesday and was told to wait until Friday. I called Friday and was told that bank was prolonging the investigation to 30 days. Bank has failed to provide information and return money by their given timeline. Bank is at negligence for not checking for the correct signature and preventing my account from fraud transactions.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (MI)

I am in process of refinancing and while I was doing the process my XX/XX/2019 payment is showing 30 days late. The issue I am having is that I had send a payment over the electronic pay however it never had gone through. The company is stating they never recieved. I called since the XX/XX/XXXX and once found out that they never got the payment I made a double payment immediately. I tried to talk to them and figure this out, but they would not understand and told me that the only way is to go through a claim. They dont see any record however I have no way of proving anything. I been in contact with them multiple times hours at a time. They always tell me different stories and they even drop my calls and I would have to recall them.
Consumer complaint received 2019-09-21
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: SYNCHRONY FINANCIAL (MI)

The following verbiage has been sent on multiple occasions. Every time they come back that they have the right to keep the account on my report even though they have NO SIGNATURE, NO VIDEO SURVEILANCE, NO PHONE CALL proving it was me who applied for or maintained an account with them. Furthermore, they have corresponded " WE DONT HAVE AN ORIGINAL CONTRACT OR PROOF OF YOUR SIGNATURE ON FILE ''. Note, under FCRA, statement are not proof this account is mine. Therefore, I want to know, how are they VERIFYING and VALIDATING, this account is mine? They can not, they have not, and I want it immediately removed from my bureau reports and all collections deleted as well as well as any hard inquiries. KNOW WHO YOURE GIVING CREDIT TO. You DO NOT have proof of signature to prove this is my account. 

Under the FCRA, " if you can not prove 100 % that this is my account you must remove it! '' In addition, you owe me {$1000.00} per offense. 

FCRA, section 623
Consumer complaint received 2019-08-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (SC)

i got a {$1000.00} loan on my truck told them for the start my payday is on the XX/XX/XXXX of the month because im on XXXX.i get way behind because i was being charged daily on interest .a 12 month old loan and at 10 months i was informed i had only paid {$40.00} toward the principal.well to get them off my back, calling me day in and out, the refinanced a second loan of which i was 6 days past due and only had half my payment which was $ XXXXI went to the office on the XX/XX/2019.they refused my payment, claimed they can not take anpost dated or personal check.the next day i get a letter in the mail if i dont have 2 full payments of {$160.00} which comes to a total of {$320.00} the are going to repo my truck and thats truck is all i have that is worth anything and it 24 yrs old.i cant lose my truck ts all i have to get me to and from my drs apts.i dont have family or friends that can help me.im all by myself.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (OR)

Company closed my account after stating that I was using an invalid address.  After speaking with a representative of the company, I was told that while I had updated my address ONLINE, through the bank's online portal, that this had not updated my address within the bank's records.  So, according to the bank, the address for my online identity was current, however, the address for the credit card account attached to this identity was out of date.  I only use this online portal to access the one credit card, for which I receive paperless statements.   All of my interaction with this company is online, and I updated my address two years ago, when I moved from XXXX to XXXX.  I applied for a new credit card with the same company, however, the new credit limit is less than half of the old one, because (of course) the bank reported my account closure to the credit reporting agencies, and this closure (with a balance) has lowered my credit rating.  I confirmed with an agent of the bank that there was no way for me to know that the address I had updated only effected my online identity and that there was no other means for me to update my address, or to know that my address was not current.  I spoke with representatives at two bank locations, both of whom were defensive and dismissive, while also insisting on their utter inability to help me, whether they wanted to or not.
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

Sir/Madam, I have applied a Credit card as name Chase Freedom Unlimited card Reference Number XXXX, Today I got a letter from Chase that my application is unable to approve my request this time with a lame reason " Too many credit cards opened in the last 2 years with report provide by XXXX XXXX why they gave me false information because as per my knowledge I got only XXXX credit cards like Chase freedom, XXXX XXXX, XXXX XXXX and XXXX XXXX. and XXXX credit cards are totally paid out on right time within their promotional period. As per more attractive beneficial benefits more than my previous card so I applied this card.As per good credit customer I have right to access switch my product for more benefits to new product.If chase do n't want my business then I will close all my debit credit cards account from Chase in future. 
thanking in anticipation XXXX XXXX
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC (CA)

My Home loan service company was XXXX XXXX  until XX/XX/XXXX. In XXXX they transferred my file to a new servicing company name is Selene Finance. 
XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. 
The Selene Finance has mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with XXXX XXXX  from XX/XX/XXXX up to XX/XX/XXXX ( The agreement & the extension letter are both attached ) and the loan been paid off before end of the may, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. 
I have called both XXXX & Selene and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. 
Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application.

I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP.

Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

On all 3 credit reporting agencies are showing closed and paid accounts longer than 7 years on my credit reports. 
1. XXXX XXXX. Closed on XX/XX/XXXX 2. XXXX Closed on XX/XX/XXXX 3. XXXX, Closed on XX/XX/XXXX 4. XXXX XXXX XXXX closed XX/XX/XXXX 5. XXXX XXXX  Closed on XX/XX/XXXX 6.XXXX, Closed XX/XX/XXXX Also they are reporting my address as incorrect with associated to a business of contracting. Need to remove the business note. 
My address should reflect as XXXX XXXX XXXX XXXX XXXX WA XXXX. 

Employment is showing incorrect as I work for XXXX XXXX XXXX- XXXX and XXXX only. 
Phone numbers are incorrect. Should only be XXXX.
Consumer complaint received 2019-07-25
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: PNC Bank N.A. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX