davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2016 a deposit in the amount of {$1500.00} was paid to XXXX in XXXX XXXX to reserve this venue for a wedding to take place on XX/XX/2016. Payment was made using the American Express Card. 
On XX/XX/XXXX the event was cancelled and XXXX agreed to return the full amount. 
On XX/XX/2016 XXXX made the full refund of the {$1500.00}. 
American Express claims to not have received any refund and does not reflect any credit on the account. 
On XX/XX/2016 at XXXX pm Eastern Time I called American Express and talked to a person by the name of XXXX who claimed that his computer terminal did not reflect any refunds. He said he would open an investigation and it would take around XXXX weeks to complete the investigation. He gave it the number XXXX. 
I feel that this is not acceptable in any manner or form. I am certain that after XXXX weeks they will claim that they could not find anything and they need another XXXX weeks. I am being the victim of a fraudulent action by American Express and I request quick government action to resolve this matter in a short time. 
I have the documentary evidence submitted to me by XXXX that clearly shows the refund was made. The document has the deposit receipt from XXXX, the original payment and the refund made. 
Your help in this matter will be greatly appreciated.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

There is XXXX on my credit report that I feel is inaccurate in its filing. As a XXXX, I am protected under the XXXX of 2008 and therefore should not be reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for XXXX years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit and hindered my military XXXX actions. I feel as a XXXX military entity that I have forfeited my XXXX and XXXX abilities for the government and I find it unworthy for the credit reporting agencies are not being held accountable to the law. I am requesting that CFPB advocate for me in this challenge.
Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SUMMIT FUNDING, INC. (CA)

I had spoken to a loan officer, XXXX XXXX at Summit Funding here in California and he had acquired our information and gave us a estimate. After we left we had decided to go with this company as, he was a great talker and seemed to be very knowledgeable. Much to our dismay all the information he gave us was a lie. I was told that I was " A '' paper and would need much as he was going to do down payment assistance and I may need {$2500.00} for down payment and/or to look stronger on paper or perhaps even to pay down debt. This could n't be farther from the truth. I was told to pay in over double that and he said that he paid in almost {$2000.00} and absorbed my seller credit as well for {$850.00} Giving me an amount of {$7400.00} used in total from the credits to the cash paid in. Which is a far cry from the quoted possible {$2500.00} needed to look stronger on paper. 

The primary issue that I had was that I was promised that I was to be locked into a 3.85 % loan and the loan officer failed to the lock the rate and let it go up to 4.385 % before it was locked in. Costing me an additional .5 % on the loan. When I asked about this I was lied to and was told that you do n't lock the rate nor could he. Furthermore, the loan origination fee was supposed to cover the loan and then I was charged for XXXX additional processing fees and XXXX additional Admin. fee. I then asked about those and was ignored and was told that he had no time to explain the extra charges but, that these had been disclosed this previously and he in fact did not. 
Following this the charges changed again and then I was also being charged points on the loan which had never been there but, now all the sudden were on the final disclosure. 

These 's are jut a few of what would appear to be major issues, on top of the fact that XXXX would only read my emails and not provide any guidance nor return my emails as he knew I wanted his demands in writing because of ever evolving asks that was going on. Due to this lack of guidance and attention to my file Summit Funding XXXX XXXX XXXX pushed out my close date 3 times and almost lost the sellers as well. When I asked for status and a definitive close date. The close date was avoided and the lies continued to pile up. I asked him several times to assist and all I would get back is less than becoming conduct and attitude as well as talking down to me like I was n't worth his time. His secretary did all the work and I had to help her do her job as well. Numerous times I was asked to submit the same documents as " they had said that they did n't have them '' and was lied to about the hold ups several times. I was able to acquire the information from XXXX as to what was needed and I advised them to address these failures to upload the proper documents in order to get this processed. Even then they attempted to make it seem like it was n't their fault but, it truly was.
Consumer complaint received 2016-06-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CO)

I have been fighting this loan process since 2012. These loans were handed off from AES to NCT and I have been fighting with AES and they tell me to go to NCT. So here we are. I ca n't understand how you can keep someone in default for over 4 years and this is acceptable. I have been paying as agreed and I want to get out of default. You have ruined my credit and continue to do so and make no efforts to settle this debt. Per the terms of the agreement the loans can reach default but it does n't state it must remain in default once it is placed there. Or that you ca n't get out of default. Read section I of the agreement. I 'm not here to ask for a XXXX balance. I 'm asking to get out of default so these loans can get paid off. You have ruined my credit long enough. I live in XXXX, my loans were serviced out of XXXX and they are sitting in XXXX. Someone somewhere in some state says this is wrong.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (VA)

This is an old fraudulent, Identity theft account I had removed in XXXX it looks like it was sold to XXXX XXXX XXXX and just showed up on my credit report as a collection.
Consumer complaint received 2016-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (DC)

I changed primary bank accounts and was trying to update my automatic billing with Central Mortgage Company from the old account to the new account. There is no information about how to do this on their website ( there is almost no information on their website ). I tried calling their phone number and it was hard to every reach a person - there is no operator and automatic call system does n't cover automatic billing changes. Eventually, it took over 55 minutes to on hold to reach a person. That person told me to send my request along with my new bank account information over the " contact us '' form on their website. I was concerned because it did n't seem secure, but I did it any way. Central Mortgage Company never changed my automatic billing information, and the next month, my old account was overdrawn when the company charged for my mortgage. I called Central Mortgage Company again, and after 35 minutes on hold, I talked to a rude employee who emailed me a change of information for automatic billing. Because there is no easy way to be in contact with this company, I have no way of knowing if they will change my billing information or simply overdraft my old account again.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCS Financial Services, Inc. (NJ)

XXXX XXXX XXXX of birth XX/XX/XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : 1 /Creditor Information CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$570.00} Highest Balance {$570.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info XXXX Information CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} Highest Balance {$560.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Closed No Info
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX appears to be one of the main co-conspirators in the huge RACKETEERING CASE that was given the go ahead to proceed against XXXX and nasty old Bank of America. I have been trying to get the CFPB to do something about this for OVER FIVE YEARS and not even a reply and attempt to help!!! 
I know our very own government is in on all this and that is why the CFPB, OIG, USDOJ and so many others refuse to see the light and take action on behalf of millions of property owners like me who have been totally taken advantage of with wrongful foreclosures and contninue threats and demands regarding phony, forged, fabricated, even " robo-signed '' documents!! 
I hope the new administration will put an end to all this and finally do the right thing. Most people know that XXXX has been acting in a false and misrepreseting way knowing full well that XXXX and XXXX were taken over by our own government in the FHAF and GES that took over these private companies back in XX/XX/2008.
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have been receiving harassing, threatening and death threats telephone calls from Bank of America representatives in regards to credit card account and debt of {$780.00} that I do not owe. The account or debt do not belong to me. I am a victim of identity theft.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

My wife and I divorced on XXXX XXXX, XXXX and the court / Judge ordered her the XXXX XXXX XXXX and full financial responsibility of it. The car was financed in XXXX of our names so it shows on my credit report. Since the divorce which is when she assumed responsibility she is always late and payments behind which reflects on my credit even though I have no control or even know where the car is these days. I have put in XXXX disputes to date to remove this account from my credit report with the Credit Bureau and each time they have declined saying the financer disagrees. My credit is getting a bad mark from this and I feel like this is not right now that I no longer hold financially responsibility ordered by a judge in a court of law.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disputed the inaccurate information regarding the late payments on the student loans listed on my credit bureau report. The investigation by the bureau was updated to reflect the late payment history as accurate from XXXX XXXX, XXXX through XXXX XXXX, XXXX. XXXX, the loan servicer has verified that I was in forbearance during those dates. My account payment history in their system to reflects the forbearance and there are no late payments. XXXX refused to verify the information until after the loan was consolidated a few months ago. I need my payment history to accurately reflect my account with XXXX.
Consumer complaint received 2016-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Bay view loans is reporting incorrect information. They are stating that I am over 120 days late on my mortgage payments. Originaly, the mortgage was first opened with XXXX. Everything was fine until the mortgage was sold to XXXX. Neither XXXX nor XXXX sent any kind of documents stating who the mortgage was with and where payments were being sent to. As of the beginning of XXXX, 2016, XXXX transferred the mortgage to bay view loans without anyone knowing. Bay view loans was n't even heard of until about XXXX 2016. XXXX XXXX has made no comment on selling the mortgage to bayview loans. Bay view loans still insist the house is in forclosure EVEN THOUGH XXXX DOCUMENTS HAVE BEEN SENT TO MY ADDRESS!!!!!!!!!!!!!!!!!!!! XXXX seems to not know much of anything and bayview loans will only send automated gibberish to consumer finance. I am alos trying to work with a lawyer on fixing the issue, but XXXX bank is refusing to cooperate with the situation. 

I am looking into if I can sue XXXX and bay view loans for not providing a single document and not notifying anyone about any changes. XXXX bank was been contacted about getting proofs of payment, but still refuse to work with myself or XXXX
Consumer complaint received 2016-06-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

Our mortgage loan with SunTrust was barely 2 months late when the bank representative did not respond to an email I sent with the funds at least 8 hours before the cutoff notice. I still have a record of that email and the communications I had with the SunTrust mortgage bank representative. The end result was that SunTrust then forced us to complete a modification with their own Wholly owned subsidiary XXXX XXXX XXXX bank which forced us into more fees added to our mortgage outstanding loan and a longer time to process it. This scenario set the stage for at least XXXX other modifications later that has now resulted in a house that is under water and a balance that is inaccurate. The original loan amount was {$210000.00} in XXXX and at that time we made a down payment of {$13000.00} As of XXXX we are told that the balance owed is still {$210000.00}
Consumer complaint received 2016-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I had my loan with GreenTree mortgage and I was went through XXXX trying to get a modification on my loan. I was threatened that they would take my home. I was talked to and humiliated. I finally received a loan modification. I lost my my home on XXXX XXXX, 2015 it was sold on XXXX XXXX Steps at the courthouse. I received no warning and I did not have time save my home after owning it for 23 years.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (OH)

On XX/XX/2016 my wife and I sent an overnight package containing documents for possible loan modification to Freedom Mortgage 's loss mitigation department. I have called multiple times to check on the status of our case, Freedom Mortgage tells us form XXXX is missing, but then Freedom Mortgage verifies later that the document has been received and the loss mitigation department needs to evaluate the form and for my wife and I to call back several days later and check on the status, but when I call back, again Freedom Mortgage claims they still need the XXXX form, but after checking find the document and tells me to again call back and check the status. This has been ongoing for several weeks now. My wife and I have done everything possible to reach out for assistance from Freedom Mortgage. It seems they are trying to discourage us from proceeding and to give up. We sent the revised XXXX form on XX/XX/2016 and we have been waiting for our possible modification to move forward. We were told a single point of contact will be assigned to us within the loss mitigation department, this has not happened yet.
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

XXXX you have a case in XX/XX/XXXX and XX/XX/XXXX as XXXX cases its the same case so XX/XX/XXXX case should be taken off the case just lasted that long so please take off my report also the case was expunged. should not even be on your report. as far as the case in XX/XX/XXXX should not even be on your report it was dropped never even got booked. please remove these criminal charges. this is preventing me from Renting a place to live. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

Open a new checking account with Regions account was opened on XXXX and make ACH deposit on same day. For unknown reason my Regions online access is block and ACH was return. I called their customer service help and they said there is fraud alert i just need go to branch to verified my ID to lift the block. Went to the branch and speak with manager there provide my ID and even sign and signature card agreement but after almost an hour later manager still cant get my account unblock. Called their customer service and also online banking department they all told me to go to branch to lift the block even i told them i have done that already manager cant get account unblock. At this point i feel if they dont want my business i am gladly take my money elsewhere but Regions want to charge me {$25.00} for closing account that is under 60 days of opening. I have done nothing wrong why should i pay the penalty for their incompetence. They are the one whom block online access and also return my ACH without any justification i want them to close the account without {$25.00} penalty fee.
Consumer complaint received 2017-02-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NY)

Vanderbilt Mortgage Finance is collecting too much for escrow which in turn makes my required payment much higher than it should be. Given the amount of tax and insurance, the amount with two months cushion should be {$520.00} and they are charging me {$570.00}. They are also charging me a duplicate tax bill fee which I contacted our tax collector and they stated that this fee should not be passed on to the homeowner as they send the original bill to the lender. I am attaching my escrow information along with the email the tax collector sent to me.
Consumer complaint received 2016-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (FL)

My concerns involve PNC Bank. 
A transaction on my credit card was disputed with PNC. The dispute was eventually resolved by the bank fairly and in my favor. The resolution was a long time coming after being misled, deceived, and ignored by the bank for several months despite all my diligent efforts. Prior to the resolution, a status update regarding the dispute was requested using direct message on XXXX. This took place on XX/XX/2016 at XXXX. Since then communication has been interrupted by PNC on twitter. PNC informed me they would let me know why this happened in a specified timely manner. Since then I made countless phone calls, initiated other means of XXXX contact, sent online banking direct messages, sent XXXX messages, and exchanged numerous emails all with PNC. XXXX cases have been generated by PNC. They are being uncooperative with providing me with any status update on the cases.
Consumer complaint received 2016-11-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

I bought a XXXX and set up escrow for taxes, insurance..etc, the first payment to the tax authority was late. I called them and they said they would pay it out of escrow and they 'd pay the penalty of XXXX themselves. They ended up paying both the property tax and penalty out of my escrow even though the delay in payment was their fault.
Consumer complaint received 2016-09-12
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Synovus Bank (KY)

I had XXXX pre paid cards with XXXX, A MasterCard and a Visa for {$300.00} each. After I used to total amount on both cards, unauthorized charges were made to XXXX cards. They will not cooperate with me to get this off of my credit reports! Please help me. I am XXXX years old and XXXX.!!! 
Acct. # XXXX .... and XXXX ....