davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-12
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I took out a loan in XXXX 2014 for {$5700.00}. I 've made payments of {$450.00} since then and the total I 've paid since then is about {$8000.00}. I just recently got a payment history to see my balance due and almost none of my payments have applied to principal balance, almost all of it has gone towards interest! I spoke with a customer service rep today and they still want {$7000.00} to close account. I told them I no longer have a steady job or income and have been going through health/medical issues and have been in and out of the hospital. I just want to settle amount of another {$1000.00} to close account. I 've already paid back the {$5700.00} and interest of more than {$2000.00} and still going to give {$1000.00} to settle. I 'm trying to be honest with them and get a settlement and close my account.
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

See CFPB complaint XXXX about BANK OF AMERICA MORTGAGE, submitted XX/XX/XXXX. 

XX/XX/XXXX Dear Bank of America ( BoA ) You messed up the paperwork in XXXX related to mortgages of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, which mortgages you handled on behalf of XXXX XXXX, leaving an outstanding $ XXXX lien ( attached ) that needs to be promptly removed as it is holding up the sale of said property ( see attached sales contract ). We ask you to immediately do so, as your failures are causing our family real and irreparable harm. 

Your continued disingenuous statement that you can not fix the problem, which you admit you created, because you no longer service the mortgage, can not be asserted. As of last week XXXX applied for a Bank of America refinance, which awaits your approval. You have no excuses. 

Moreover, your nonresponsive response to our XX/XX/XXXX CFPB complaint says you need a special email address to address the complaint! What exact email address do you want us to dig up from the XXXX to be to your satisfaction? 

You confess to the CFPB that no contact has been made with XXXX XXXX XXXX! Wow, thats an admission of guilt, like nothing else. She has repeatedly, by phone, in person ( at the XXXX XXXX BoA branch where she signed the HELOC papers that you messed up ), and in writing, reached out to you begging you to fix this problem, all to no avail as you ignore and dismiss her and her authorized representatives. Among others, XXXX XXXX XXXX in the BoA regulatory department is unresponsive to repeated voice messages left by XXXX. 

If you examine the title report ( attached ), you will see that the original two mortgages were A and B. Then Bank of America added mortgage C, a HELOC in XXXX. Next, BoA completed a modification/consolidation, mortgage D ; but you did so by consolidating A and C, instead of A and B! That left the lien of mortgage B outstanding. You admitted clearly on a recorded line your fault : the problem is that mortgage number two was not included on the consolidation. You are killing us. This needs to be fixed yesterday. You will kindly fix this immediately and contact me and XXXX XXXX ( cell XXXX XXXX XXXX ), letting us know that it is completed. 

A very redundant 3rd party authorization form is attached. 

Respectfully submitted XXXX XXXX
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Source Receivables Management LLC (OK)

This account keeps getting passed to mulitiple collection agency after I dispute the current agency. It gets deleted from my profile the put right back on by some other company. I 've never opened any accounts with anyone. I am requesting that the company provide proof that I opened this account and evidence that it was indeed owned by me. I know I did not open any accounts.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC (NJ)

I previously filed a complaint ( number XXXX ) which was closed after you sent me an email in XXXX 2016 stating, " The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. '' I received a letter from them shortly after your email stating that they are working on my claim. Since then I have not heard further, despite my numerous phone calls, which have all gone unanswered. Please see the prior complaint for the details. Apparently, after they respond, prompted by the CFBP inquiry, they say they will comply and address the issue, but no further action is taken.. Your email to me from XXXX, 2016 states that " New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. '' Unfortunately, this has not been my experience. I would therefore appreciate if you would reopen the prior complaint. THank you. 
XXXX
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd. (OH)

Collection Bureau of America , Ltd. ( CBA ) is attempting to collect a debt on behalf of XXXX. In XXXX XXXX they sent a collection notice. The notice stated that I owed for water bottle delivery. I called them right after receiving the notice to dispute. Information was faxed as requested. Furthermore, I contacted XXXX directly. They picked up the cooler and was told that the account was going to be credited out. Fast forward 8 months later, Collection Bureau of America never advised of the dispute paperwork sent neither did XXXX. I get an alert from XXXX there is a negative trade line reported to my credit. I called them XXXX/XXXX/XXXX and they told me that they were collecting this debt still. 

When contacting them, they told me they mailed me a notice in XXXX XXXX. A dispute was faxed and discussed with their agent. No followup from them after this dispute was sent ever occurred. 

This is not a fair and in my eyes an illegal way of handling this matter.
Consumer complaint received 2024-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX current case Would like for an ATM picture of me making deposits on XX/XX/XXXX between XXXX at XXXX XXXX XXXX XXXX branch XXXX I indicated XXXX transactions of {$6500.00} and {$4600.00}. There were was no printed receipts since scammer told me one was not needed. The amounts were around {$6500.00} and {$4600.00} and dont have the exact to to the dollar but these XXXX large amounts for transactions were deposited and would like from the ATM machine the exact time and the amounts that went into that machine to the scammer 's debit card. I am 100 % these were the only types of this amount that went to that ATM machine. At this location the ATM is in the bank and is not accessible XXXX hours -- at that branch-closes at XXXX Scammer was on the phone from XXXX until a little after XXXX and then called me back for more instructions. I attempted to contact my cell phone provider XXXX and XXXX to request phone call records of the scammer giving the information on the call but told unable to give and can only provide the phone logs of the calls that came from XXXX. This call started at XXXX pm and lasted XXXX hrs XXXX min and XXXX seconds and they were on the call instructing me to add the debit digital card ( that was suppose to be my card-that did not happen ) and told me how to go the the ATM to login in as myself and then scan my phone with the digital card that was given over the phone with a pin number of XXXX in order for the cash to be deposited. I have the phone logs if needed of all the calls from this number on XX/XX/XXXX and XX/XX/XXXX. Thank you.
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ONLINE Information Services, Inc. (MD)

This balance of {$180.00} was supposed to have been paid for by a claim that I filed with workmans comp as to which it was not. Lastly, I never received a noticed in regards to this debt but just to clear I just paid the balance of {$180.00} on XXXX/XXXX/16. I am asking you to please remove this collection from credit so that I do not have any negative remarks because I take handling my credit very seriously. 
Thank you!
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (IN)

After agreeing on a settlement, satisfied my end of the agreement. I returned the requested equipment to XXXX for the debt, and called XXXX and provided a receipt number. A couple weeks later, I called to get a letter saying I paid the debt, but they said they did not get a receipt number and I still owe money. They would not bother to look up the earlier notes, and said I have to dispute the debt. After making the agreements, they are refusing to honor their side. It still remains on my credit score with the balance on full.
Consumer complaint received 2016-08-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority (WA)

For two years in a row now, my mortgage company has paid my homeowner 's insurance late prompting the insurance company to issue a cancellation notice. The mortgage company then responds with a threat that if no insurance coverage is active, new coverage will be purchased at an astronomical expense to myself. This year, the lateness of the payment has also incurred late charges for which I will not be responsible. The company is based in Alabama and is called ServiSolutions.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed XXXX incorrect addresses reporting on my credit with Transunion over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, XXXX AND TRANSUNION ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you
Consumer complaint received 2017-08-28
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. (CA)

XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( EXPERIAN, XXXX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CFPB Consumer Financial Protection Bureau Dear Officer : Good evening. 
My BoA account XXXX had wire form XXXX into my account on XX/XX/2015 XXXX, but BoA just noticed me XXXX kept into my account, they ate XXXX dollars. 
XX/XX/2015 charged me wire transfer fee XXXX, and due to I am an investing account so refund me XXXX transfer fee.XXXX. so still ate me my wire in capital XXXX. 
I had several time asked the branch officer XXXX XXXX : he said : ususally like that.??? 
I do n't agreed and online message to ask return my wire capital XXXX, they always no return to me. 
see my copy and attached below : XXXX, on XXXX statment XX/XX/2015 XXXX XXXX, and transfer fee:XXXX XXXX. 
B.BoA.statment just book me XXXX only. 
Please help me get back my missing capital XXXX.and correct their bad behavior. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
XXXXXXXXXXXX
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

This complaint is in reference to complaint number XXXX. It has now been 60 days since I submitted my complaint and CFPB has closed my case. 

Someone was needs to look up the check and it will show that I did sign and return it in a timely fashion. If I did n't sign it how could PNC deposit it and put it in a special fund. I have been looking for copies of the faxes regarding the amounts of repairs that were done to my home and I even called and faxes request for someone to come out to inspect the work which was done. I am also looking the contractors receipt from seven years ago.
I paid for that insurance and the repairs to my home and PNC, refuses to send me my money after seven years. I am giving them permission to still come out and inspect my home so I can get my money back. I did everything that I was suppose to and PNC kept misplacing my paperwork. If you look at all the complaints, you will see that PNC has done this to a lot of customers. 

Also why has PNC placed a lien on my home. CFPB PLEASE STOP CLOSING MY COMPLAINTS BECAUSE THEY HAVE NOT BEEN PROPERLY INVESTIGATED.
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (SC)

I purchased a membership with XXXX XXXX XXXX in XXXX, SC in XX/XX/XXXX. On or around XXXX of that same year, I went in with a hand written letter of my intent to cancel. I was told there would be 2 more payments taken out of my account and then my membership would cancel. I was aware of this policy so that was fine. Shortly after the 2 payments were drafted from my account, I changed banks. I considered the matter closed. I did n't find out until checking my credit report a few years later that they had not cancelled my membership, but instead sold the remainder of my contract to First Credit Services in the amount of {$320.00}. This is the only derogatory mark on my credit report and it is fraudulent. XXXX XXXX XXXX is notorious for this. Unfortunately I did n't know that at the time and did n't make a copy of the letter I gave them. I have disputed this with XXXX multiple times, and filed a complaint with The South Carolina Department of Consumer Affairs. XXXX XXXX  XXXX responded basically calling me a liar and suggested that I contact First Credit Services to pay them. They have a record of the times they tried to contact me, but I had an app on my phone that picked up and hung up on suspected spam numbers. There should have been no reason to call me anyway as I do not owe that debt. Anyway, neither of the other disputes seem like they are going to be effective since I do n't have a copy of that letter. I hope you can help. 
Thank you.
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XXXXXXX, i made a mobile deposit check # XXXX, Amount {$1500.00}. This check was from the president of our company, it was a XXXX check which is local and the funds were available. ( I am the controller of the company as well ). I received an email from XXXX Bank that the deposit was on hold until XXXXXXX, with no reason or explanation. I called the XXXX number and they could not tell me why it was on hold, she noted maybe they tried to pull the funds and they were not available. ( i highly doubt that was the case, he runs a XXXX M dollar company ). I asked if they contacted XXXX to confirm the check was okay to process, they claim they can not do that. I then asked to speak to a manager, and was transferred to a supervisor, whom i gave her the number for XXXX and asked her to call to verify the funds and remove the hold. She advised me that they cant remove a hold, no matter what, there is nothing i can do. My mortgage is now 2 weeks late and i am receiving late fees. All due to them putting the deposit on hold. 
I am very unhappy with this and find it hard to believe that once a hold is put on a deposit it ca n't be removed. Ever!. That does not make sense to me. and they did not give me a viable reason and noone was able to assist. I will NEVER use Huntington Bank and i feel they should reimburse me for all late fees, finance charges and time that i have spent during work on the phone with them.
Consumer complaint received 2017-08-28
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. (GA)

There is a collection account on my report that is not mine, I have sent affidavit and police report stating that someone is getting medical bills in my name. Please delete the following XXXX XXXX XXXX XXXX Account.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion shows a collection from XXXX, which is an account opened through identity theft. I disputed this, and the response was : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. How is that an investigation? Also, the address of the person who fraudulently opened this account is listed on my credit report. I can prove beyond any doubt that I NEVER lived at that address.
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (FL)

SUNTRUST BANK IS PLAYING SILLY GAMES, THEY CLAIM I OWE THEM SOMETHING, THEN WHEN I CALL THEY WANT TO RECORD ME, THEN I SAY I AM RECORDING THEM, AND THEN THEY HANG UP ON ME, THE LOCATION OF THE BANK XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, I WENT TO THEY SAID I HAD AN ALLEGED DEBT, I THEN CALL THE PHONE NUMBER AND THEY PLAY THIER SILLY GAMES, SEND ME A 'BILL ' NOT A STATEMENT I SAY, 'BILL ' A STATEMENT SHOWS WHAT WAS OWED AND HAS BEEN PAID, SHOW ME PROOF OF VALID DEBT,
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: NATIONSTAR MORTGAGE LLC (UT)

Nationstar Mortgage did not apply funds properly in XX/XX/XXXXholding funds in a suspense account when they should have freed them to cover a payment. This started the recording on the Verification of Mortgage to state 30 day delinquent for several months afterward. Once the following months payment was received they would count the payment still holding extra funds in a suspense account. In XXXXXX/XX/XXXX Nationstar finally realized and discovered their mistake in the payment history, made the account current and actually sent me the extra funds that were held in suspense, {$3300.00}. more than a months payment. 

I wanted to refinance on an FHA loan and have a lender that would do so. Without the VOM reporting correctly, I can not qualify to refinance. This is costing me thousands of dollars! I have reported this 6 times and nothing is being corrected to the VOM. 

Still stuck
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

I signed up for an American Express " Everyday '' credit card advertising no annual fee. The explicit terms of the offer were 10 % back at restaurants for 6 months ( up to {$2000.00} ), as well as {$200.00} cash back after a {$2000.00} spend. I was approved for the card onXX/XX/XXXX. I called American Express to confirm this bonus, and was explicitly told ( during a supposedly recorded conversation ) that these were the terms. I easily met this criteria, but received no bonus. 

Furthermore, American Express signed me up for a *different* card with an annual fee that was immediately charged. While I expressed my concern to them about this, since I was told that I would receive the sign up bonus I did not cancel the card and paid the annual fee ( +interest ). 

I called AmEx many times and used their online chat feature 5 times. Each time I was told that I would be contacted within 7 days. I was never contacted at any point and always had to initiate contact. 

One of the times I was on chat, I was told that the investigation was closed, in my favor, and I would receive a credit soon. 

On XXXX I was told over the phone that I did receive a {$280.00} credit on my account, as I was supposed to. I looked and this {$280.00} credit was entirely unrelated to a sign up bonus but instead dealt with a hotel cancellation refund -- with no relation to American Express at all other than it being the card the payment was made to and the refund was sent to. 

Today (XX/XX/XXXX ) I was told that while the complaint was escalated, there was no sign up bonus on my card. This is directly contrary to their marketing and why I signed up in the first place. This is directly contrary to what I was told by an American Express representative on the phone the first time I called. In sum, all of this is misleading and blatantly deceptive. 

All of this should be in American Express ' records.