davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I have been trying to rent an apartment and when the landlord checks the credit report and evictions, an eviction from  XXXX  is coming up my on my record, but this eviction was dismissed and sealed in court on  XXXX   XXXX ,  XXXX . The case number  XXXX .
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have incorrect information on my credit report. I had a mortgage account in  XXXX  which was foreclosed on in  XXXX  with a final payment made in  XXXX .     Ban k of america h as incorrect information listed. Date of last payment :  XXXX   XXXX   XXXX . This is impossible. Please provide proof of payment with this date.   Date account closed :  XXXX   XXXX   XXXX . This is also incorrect as the account was foreclosed and completely terminanted in  XXXX .     The retroactive date that needs to be used would be in  XXXX . This was when a final/last payment was made into this account. This would be the final date to use moving forward. This would be the date that the roll off of the credit should apply.     Otherwise, please provide proof of payment in  XXXX .
Consumer complaint received 2017-04-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Had a loan with  Bank of America  for years always on time or late a few days but fell on hardship times they would not take parsial payments or works with us we fell  XXXX  months behind and went to a goverment program to help with payments property unlimited for 3 months now 6 months behind an d bank of america d id not want to work with goverment program after approved for it bank of america said no then loan was sold to another lender who taught us about hardship papers and loan modifications to help us  bank of america never offered us this. then after loan sold still had home equity with bank of america d id not hear from them at all tell foreclosure time i forgot  about home equity thought new mortage company had it but they did not then bank of america could not find info on pay off and loan denided they had it tell cosing date for sell er then they found the loan number but would not release pay off to attorneys or myself or even there own attornies been a night mere so unhelpful and decietful and fustrating.
Consumer complaint received 2018-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

On XX/XX/18, I asked for my loan to be recalculated to a different IDR plan. I had an income change, and also hoped hoped to go from an IBR to either a PAYE or REPAYE plan. I specifically DID NOT check the box stating that I wanted to go into forbearance because I do not want my interest to capitalize. I wrote a letter along with the application clearly stating that I did not want to go into forbearance, so there would be no confusion. The paperwork states that one month of a standard payment rate would be necessary, but it does not state that forbearance is required.

I received two letters on XX/XX/2018 in the same envelope. The first letter said my loans were placed in forbearance and that I must pay a reduced standard repayment for one month, which is listed as XXXX. The next letter was a disclosure of repayment terms, which is not based on any IDR plan, and suggests that I will be paying around {$520.00} per month, and that I could apply for an IDR plan. Neither of these are what I requested, and neither is acceptable. 

This is the second time I have been mistakenly placed into forbearance, and it will be the second time that my interest was incorrectly capitalized. This is at least the fifth letter I have written to CFPB for assistance. I no longer reach out to the servicer, because when I have in the past, the issue does not get resolved. There is a reason I have chosen to pay my loans under IDR, as I make very little. As a public servant seeking PSLF, I have very little room for financial fluxuation, and zero willingness for an extra {$5000.00} dollars to be added to my loan every time my paperwork is misread. So I am reaching out again to CFPB requesting assistance.
Consumer complaint received 2018-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

In XX/XX/XXXX XXXX XXXX XXXX started reporting my escrow account as {$10000.00} in arrears and as a result reported this as late payments on my mortgage to all 3 credit bureaus, because I refused to repay this bogus charge to my escrow account. I spent two years trying to resolve this with XXXX XXXX XXXX with no success. In XXXX XXXX XXXX XXXX transferred the servicing of my Mortgage loan to Select Portfolio Servicing who carried forward this gross error. In XXXX of XXXX I hired a lawyer to represent me in this matter. In XX/XX/XXXX, XXXX XXXX XXXX, Select Portfolio Servicing and I came to an agreement to " resolved this matter '', which I am submitting as supporting documentation. It is important to note XXXX XXXX XXXX has removed this derogatory information. All mortgage payments covering XX/XX/XXXX thru XX/XX/XXXX being reported by Select Portfolio Servicing are not valid and should be removed from my credit report. The result of this reporting has caused serious harm to my credit worthiness.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

In contrast to as recent as XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against XXXX XXXX XXXX in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. XXXX XXXXXXXX XXXX XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX   XXXX, XXXX XXXX and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to Fay Servicing. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX Bankruptcy Court . 
In the case of Fay Service, we have served written letters ( see attached ) begin XXXX of XXXX to cease and decease all collection attempts on our XXXX XXXX XXXX Account since Fay Servicing is third party to a debt already in dispute with XXXX XXXXXXXX XXXX, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, XXXX XXXX XXXX in its deceptive attempt to unload a questionable debt to a third party debt collector Fay Servicing which in turn recruited XXXX XXXX an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX XXXX of California. 
Fay Servicing on behalf of XXXX XXXX Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXX, XXXX XXXX XXXX, XXXX. 
In summary, the same fraudulent activity perperatered on us in XXXX by XXXX XXXXXXXX XXXX in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX Bankruptcy Court.
Consumer complaint received 2018-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One reissued a close out check to myself on or around XX/XX/XXXX, sent via XXXX while I was away in XXXX XXXX, this check is a replacement for a prior check which a stop payment was placed on in error. The replacement check was intercepted by a third party, my name signed to it, cashed by a XXXX XXXX whom I am not related and does not live at my address, contrary to what Capital One rep, XXXX XXXX, tries to infer. The funds were not received by myself, totaling XXXX. Capital One has not provided any proof funds were received by myself, aside from the forged check. My signature is on file and they refuse to check it with signature on check, also refuse to reissue check. I've requested their physical mailing address for filing notice of small claim suit and they continue to provide a third party website address to visit for locating such address. Since the stop payment was premature and in their error, loss of funds would not happen as it did. Had they not stopped payment and left well enough alone then interception of check and thus cashing it by third party would not have occurred. Since they are unwilling to resolve this, a small claim suit needs to be filed, a physical mailing address is required to send notice of suit to, which they will not provide. Apparently, XXXX XXXX will not bother to look it up on her own, refers me to a third party website which I refuse to look up myself. At this time, I request proof from Capital One showing I cashed check, which I did not, as well as any other proof funds were received by myself, which they were not. Failing to do so, Capital One needs to look up information such as address to mail notice of small claim suit to, whichever party handles this on behalf of Capital One.
Consumer complaint received 2018-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018 I called trans union at XXXX I spoke with a representative but they were not able to help me out I was a victim inquiry System when Trans Union deleted inquiries off of Ppls report and then added them back not doing it the right way I was a victim so when I spoke to the representative I named the increase that was on my report that I want it removed XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX/apt owner, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ... ... .... The representative was not able to help me kept saying he did not know what I was talking about I will like all the inquiries Removed from my credit file
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Hello CFPB My name is XXXX XXXX i applied Chase XXXX XXXX Card and my application was declined with phony reason that supposedly i had unsatisfactory relationship with Chase Bank. I called spoke With XXXX department that created this baseless reason that i have unsatisfactory relationship. I was told i had XXXX XXXX XXXX and they closed it thats why its they can not approve my Chase XXXX Personal Card. It's true i had Chase XXXX XXXX  Card and had balance but since they closed my card i already paid off my balance and did not violated credit card agreement. I want please investigate this biased situation and approve my Chase XXXX Credit Card Application. I have great Credit And i'm very responsible borrower. Chase Makes up baseless reasons and closes credit card and then did not approve application.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Account was opened under terms for a {$400.00} bonus. The requirements were met, and multiple agents on the live chat as well as over the phone, including a supervisor, have promised me that I would receive the bonus. I spoke on XX/XX/XXXX to XXXX, employee ID XXXX, and was promised that the bonus would be applied shortly. To date, I have not received the {$400.00} bonus for this checking account. At this point, Citi needs to help me correct this issue, especially since I have been guaranteed the bonus by employees at the bank including the floor supervisor I spoke with on the phone on the XXXX.
Consumer complaint received 2018-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I received a correspondence from Credit Acceptance, it had an attachment ( attached ) with what looks like a contract with my vehicle, name, address, but a digital signature. On XX/XX/2018, i signed with my hand a contract with XXXX XXXX XXXX XXXX  XXXX. At no point on or after that date did I ever engage in a digital contract signing with XXXX XXXX XXXX XXXX XXXX or Credit Acceptance. This is clearly a forged document by credit acceptance and fraud, pursuant to Florida statutes 817.034, 18 USC 47, fraud can be punishable by 20 to 30 years in prison and or {$250000.00} fine for each instance which could be proven by each time my signature was put on there plus each time my initials were placed on there by frivolous pretenses, Fraud.
Consumer complaint received 2018-08-24
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: EQUIFAX, INC. (OH)

I have spoken to XXXX XXXX, XXXX, XXXX  and equifax multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX  credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of XXXX  doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
Consumer complaint received 2018-10-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am a customer of Toyota Financial and currently have a loan opened in XX/XX/XXXX. I work for XXXX XXXX and the company is going under payroll changes to accommodate an integration between the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and those current changes are directly affecting my financial situation. 
On XX/XX/XXXX I received a letter from XXXX XXXX advising that due to the transition process, the XX/XX/XXXX paycheck would be affected and not paid to it's employees and the company offered an optional " bridge loan '', which would cover 25 hours of pay and repayment would start on our paycheck for XX/XX/XXXX for every pay cycle in ten installments, which on my case, I am paid on the XXXX and XXXX of each month and those twice a month repayments affected me directly for five months. That impacted my entire household financial responsibilities, including my car payments with Toyota Financial, and I started to accrue high late fees. 
On XXXX XXXX I received a second letter from XXXX informing that due to more changes on their payroll system, I will receive one less paycheck in XX/XX/XXXX, a total of 23 instead of 24 paychecks. 
As of today ( XX/XX/XXXX ), I have accrued {$190.00} in late fees with XXXX XXXX due to the changes on my payroll and current financial situation directly affected by my employment. I am also 3-days behind on my payments since XX/XX/XXXX. 
I contacted Toyota Financial Services on XX/XX/XXXX and requested an payment extension on my loan to help me to catch up with my payments while I am still dealing with my company 's payroll changes and gaps on pay, and spoke with XXXX, who introduced herself as a supervisor. I explained my unique situation and asked if I could get an extension on my loan and she simply told me that extension was not possible due to a past extension. 
I am sending this request to the CFPB to request some assistance on dealing with Toyota Financial Services to ask for a review on my current payment situation and a possible loan extension, since Toyota Financial Services is not reviewing my account and request based on my individual situation. I am including copies of all documentation for review.
Consumer complaint received 2018-10-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc. (OH)

" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XX/XX/XXXX though XX/XX/XXXX.  Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the future Seterus would have to send the debtor notice of intent and Seterus has never done so. Seterus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XX/XX/XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have  requested on the loan since XX/XX/XXXX. When the loan was sold or transferred to the new investor XXXX and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.
Consumer complaint received 2018-08-25
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: Experian Information Solutions Inc. (FL)

I notified XXXX, Experian, and XXXX  of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. Please also look for accounts under my maiden name. 

American Express closed my CFPB complaint claiming they don't have enough information to find my money. That is not true. They just are not using their own systems ( recording ) or business relationship with XXXX XXXX to get it. I do not have the American Express account number where the payment was applied. I just know it was not my account. XXXX XXXX would not provide me the information due to privacy reason. However, XXXX XXXX provided that account number to American Express. American Express needs to listen to their recordings or ask XXXX XXXX for the account number. I've provided American Express the XXXX XXXX payment confirmation number, which is XXXX. That is all that XXXX XXXX needs to again find the American Express account number to which my payment was applied and give it to American Express.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (OK)

I went to the emergency room and was sent and paid the hospital bill but there was a separate charge for the physician. I never received a bill from XXXX XXXX XXXX and they turned it over to CMRE collection agency. I only discovered it when I was apply for a car loan and it ruined my credit. The emergency service was XX/XX/XXXX. The credit report showed a debt of {$970.00} dollars. CMRE never notified me in writing, email, text or phone call. Again I just discovered this last Thursday, XX/XX/XXXX. CMRE turned it over to the credit agencies and ruined my excellent credit which was XXXX!! Had I received a bill from the XXXX XXXX I would have paid it immediately. I lay all my bills as agreed.