davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My mortgage has gone into foreclosure due to a separation/divorce. At the time my husband left I was only working part time and could not afford the payments. I have since obtained full time employment. He has walked away from the loan. He has no contact with the bank and does n't care if the house forecloses. I have tried everything I can to work something out with Bank of America. I call them weekly, applied for a modification, and even saved the past due amount to reinstate the loan. To my dismay, they pushed forward with a foreclosure and filed judgement against me in local court. The are requesting additional information from my husband, which he would not provide because he does not want the loan anymore. I offered to pay the bank to reinstate the loan. They sent me reinstatement figures. There were XXXX of dollars in fees attached in addition to the past due amount of the loan. I asked for a detailed listing of the fees. They would not provide them to me. I was told by my Bank of America Customer Relations Manager to contact the attorney handling the foreclosure to obtain a breakdown of their fees. When I contacted the attorney, XXXX XXXX XXXX of XXXX of XXXX, PA, The amount to reinstate was completely different and a lot less than the bank was telling me. The woman at the attorney office told me I could send payment to them directly and the loan would be reinstated. I contacted the bank again, they denied this was an option. The told me to forward payment to them. I asked the amount needed to reinstate. I was given another estimate. Completely different again. It had gone down from the first quote, but was still higher than the attorney. They told me this was due to " estimated '' charges. I asked for a breakdown of these charges. They can not provide that to me. They told me to pay the amount by XXXX XXXX or they are filing for a Sheriff Sale date in my county. I have told them again and again I do not have the {$13000.00} or the {$11000.00} needed to reinstate that they want. I can pay the past due amount, the {$9700.00} for my back payments and have asked to make other arrangements to pay back the " fees ''. They refuse to accept the payment. They want the full amount they keep telling me. I asked why foreclosure went through when I was trying to get a modification. They could not answer me. Bank of America was requesting additional documents they told me. Every time I call I get a different person with a different answer. Bank of America is telling me it 's the lender, FHA, that 's requiring the full amount to reinstate, yet the amount changes every time I call. It 's like they want to foreclose on the loan and are not willing to help me save it.
Consumer complaint received 2015-06-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX I took out a XXXX loan from GE Capital. It was transferred to Synchrony Bank shortly after the account was opened. I did not receive statements or invoices from Synchrony Bank. I did receive a call after 60 days from their accounting/collections department requesting payment, at which point I mentioned the lack of statements or details on configuring automatic payments. I received no information on configuring automatic payments or statements, but was contact again each 60 days to make another {$630.00} payment. In late XX/XX/XXXX I got upset and asked that the representative or their manager to assist me with getting my online account setup so that Autopay could be enabled, and that I would make the payment online instead of over the phone. They assisted me with creating my account. I added my XXXX XXXX XXXX checking account to the methods of available payments. I had to clear the outstanding balance of {$630.00} before autopay could be enabled, so submitted a payment for the outstanding balance of {$630.00}. Afterword paying the outstanding balance I enabled the Autopay feature using the same XXXX checking account. After this I did not receive another call from Synchrony Bank until the morning of Saturday XXXX XXXX, at which time I was told that the account was now 3 months past due, and a payment of {$1300.00} was required immediately. I immediately made a payment to Synchrony Bank over the phone and inquired as to why auto pay was not covering the balance. The representative had no ability to check on my online account, they were only able to collect the payment. I went and checked my Synchrony account online and even though my bank account is clearly still a method of payment the autopay feature is disabled for my account. On Monday XXXX XXXX I received a collections letter from XXXX XXXX XXXX XXXX XXXX. The envelope was postmarked XX/XX/XXXX, the letter was XX/XX/XXXX The content of the letter started off with " The above referenced account has been referred to our office for collection. Previous attempts have been made by the creditor to obtain payment of this debt. As of this date, those attempts have not been successful ''. However the account was brought current 2 days before the letter was written, and the outstanding balance was zero as of that date. I found out that Synchrony Bank or XXXX XXXX XXXX submitted a report to the credit reporting agencies and negatively impacted my credit score.
Consumer complaint received 2015-10-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently came across an article on the XXXX regarding Bank Of America being fined over XXXX XXXX dollars for their identity theft scam. I have been a member of the privacy assist owned by BOA since XX/XX/XXXX so I called them to see if I am eligible for this refund. When I spoke to XXXX of their representative XXXX she transferred me to a guy rep who can help me with the refund. After going over some questions he told me that he ca n't find my account and told me that only members from the year XX/XX/XXXX-XX/XX/XXXX are eligible for refund. I could'nt tell when I started exactly on my membership so he directed me back to the previous rep to find out. Privacy assist told me that I 've been a member since XX/XX/XXXX making me eligible for the refund so then I asked the rep why they could n't find my account information. The rep then told me to call BOA directly which surprised me because all along I thought I was talking to BOA. So I did that I called the customer service for BOA and what they did was transferred me back to Privacy Assist. I was passed on from one rep to another with no answers to my questions. I need your help to get fair justice from this corporation.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (OK)

I had an XXXX wireless service that I cancelled due to poor services in my area, I switched wireless provider to XXXX back in XXXX 2015. XXXX was going to pay for all cancellation fees to XXXX XXXX XXXX since I was porting out my number to the new carrier. Then, I started receiving collection attempts from XXXX XXXX XXXX in the amount of {$810.00} for cancellation fees, which XXXX notified that they paid for. My account was forwarded to this collection agency Franklin Collection Service , INC . They have n't stopped sending me threatening mail communication letter, and they 're not even licensed to collect in the state of Oklahoma. They need to remove this account from my credit reports since these charges were paid by XXXX, and they are still trying to collect on this account, and also ignoring my letters to cease and desist any communication.
Consumer complaint received 2017-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I am a XXXX Citizen, I opened the account with Coinbase and have XXXX invested. Between XX/XX/XXXX to XX/XX/XXXX I went on holiday to XXXX. When I returned back to XXXX on XX/XX/XXXX my account has been locked, I have not been able to log onto my account. Initially there was a warning that they believed I was a citizen of XXXX and asked me to send my passport image to prove I 'm XXXX. I did this on XX/XX/XXXX and since then despite dozens of chasers to them my account is still locked. I am unable to trade, they do not respond to any messages.
Consumer complaint received 2015-10-01
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: United Student Aid (USA) Funds (CA)

I XXXX XXXX claim that a company known as USA Funds , Inc. has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. 

I claim that USA Funds, Inc. acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. 
USA Funds , Inc. state that one of their options is to assign the listed student loans to the U. S. Department of Education. If that were true that USA Funds Inc. could, then I advise them to do so. The attached letter is in violation of the Fair Debt Collection Practices Act based upon the following facts that the attached letter even stipulates : LENDER : XXXX XXXX XXXX XXXX - This means that the loans were securitized and then ownership was fractionalized. USA Funds Inc. has no skin in the game other than to use my credit history hostage, they have no assigned right to ownership from any f the fractionalized owners of the debts that were securitized, and for USA Funds Inc. to take a position that they can take legal action where they have zero chain of ownership or assignment of authority is not only an FDCPA violation, but a violation of my civil rights as a member of the XXXX XXXX XXXX. 

I DEMAND THE CFPB AND THE FTC PURSUE USA FUNDS INC FOR MY FDCPA AND CIVIL RIGHTS VIOLATIONS AS MANDATED BY FEDERAL GUIDELINES!!! 
The attached letter if full of abusive threats to me as a person and my own credit history. USA Funds Inc. will be sued if they persist with these threats and if they do not purge my complete file immediately. This company is nothing more than XXXX of XXXX of collection agencies nationwide that abuse the system and due process as mandated under my protected legal and constitutional rights. 

This letter is proof that these loans were securitized through a third party investor. USA Funds Inc. has destroyed my personal credit on debts that are no longer valid. I will proceed with a federal lawsuit against USA Funds Inc. if they can not validate a legal collection process. 

I demand that a letter of release be submitted within 30 days, and that all illegal collection processes cease immediately, along with the deletion of all accounts from each pertinent credit bureau.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IA)

American Servicing Company refuses to review client for modification. Was advised on XXXX/XXXX/15 that file was going to be reviewed for modification but when I called XXXX/XXXX/15 was advised that the same day XXXX/XXXX/15 file was denied. How is it possible that they reviewed file within a XXXX of hours. File was not handle properly. No written decision was mailed to client. I also also advised that no written notice will be sent of decision. Not following proper guidelines.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: STONEGATE MORTGAGE CORPORATION (CO)

Lender failed to notify buyer of condition of XXXX acre property was not approved less the XXXX hours prior to closing. Mortgage Broker was in direct communication with Sellers Agent, taking verbal on amend extend. Contract expired and Buyers lost Ernest Moneys. Mortgage Broker and Direct supervisor admitted negligence and stated Company would reimburse Ernest Money. When asked for promise to be provided on official letter, received sub par email for request of internal process. The actions of Mortgage Broker were not in the fiduciary interest of Buyers, and fraudulent statements made in regards to why loan was not approved were given to Buyers. Buyers were not afforded the opportunity to seek new Lender with in reasonable time to complete transaction, before expiring.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fairway Independent Mortgage Corporation (ID)

During my first initial talks with Fairway Mortgage ( XXXX, ID office - XXXX ) I explicitly asked how twice monthly payments would be applied. I was they would be applied once received less a few days for processing. I even went-on to press the point, given that my mother 's mortgage will take her payments whenever, but they wo n't be applied until they are due. Thus, sending twice monthly payments does nothing ; the loan servicer has her money, they continue to charge her interest, and her payments do n't reduce her mortgage until they are due. I cited this exact example and he said no, that is not the case. He even went-on to voice confusion and concern for my mother 's mortgage ; I explained that it 's about 15 years old and maybe that has something to do with it. This was a point for me, as we make twice monthly payments in-order to shorten the life of our loan ; this mortgage is my only debt, I purchased a 15 year mortgage ; I want to be done with it ASAP. 

My loan was then sold to XXXX. 

After many requests by XXXX, I have received a full amortization schedule ( they had been providing me summary information ). Details of my payments show that my payments, just like my mother 's, have been received and cashed as received ( twice monthly ) but once again have not been applied to my loan until due ( or until both payments have been received ). I voiced my concern that this was not what was sold to me, this will add hundreds in interest, and many months to our loan. At this point, they directed me back to Fairway. 

After contacting Fairway ( XXXX is no longer employed there so I spoke with his manager, XXXX ) I was told that it is up to XXXX how to apply the payments and they do n't have any control over that. I pressed the point that I signed a form, along with the numerous other mortgage forms, OK'ing Fairway to sell my mortgage ( which they did to XXXX ) only if the terms and the loan does n't change. Although my interest APR did n't change, the way in-which it was applied did. Which equates to a change. Fairway disagrees. When asked who to contact, Fairway directed me to their corporate office and made no mention of CFPB.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (CA)

Between XX/XX/XXXX and XX/XX/XXXX, I worked a totally of four months. I was struggling to find a job and took what temp assignments I could get. I made every effort to continue to pay my discover credit card. However, when my unemployment extension ended, I was forced to drastically lower my monthly payments to {$5.00} or {$10.00} a month. Discover cashed those checks. I found work, though I am still struggling, because I am the only one in my household working ( my mom 's unemployment ran out ), I continue to pay Discover. Recently, they threaten me with a summons from a lawyer in XXXX, because Discover wants more money than I can afford to pay. This lawyer recently served me with a summons, threaten to garnish my wages and charge me legal fees. I am paying Discover, my checks are being cashed, yet they still retained an Attorney to sue me? This is unfair and is now on my credit report. I have made every effort to pay them, but I am poor and working and Discover demands something that I do not have. Please advise if you can help me or how I can help myself. They are still cashing my checks with this summons that was served for the amount of {$2500.00} that owe to Discover.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NH)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account Name : XXXX Account Number : XXXX
Consumer complaint received 2015-10-03
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Received check fro Capital One, LLC for {$2400.00}. No letter with explanation. Check says refund but also says Expense check accounts payable, Called numerous people in capital One-all clueless. Routing numbers on bottom are for Capitol One, NA XXXX XXXX, LA XXXX. 
Guess its a scam? But ca n't figure out how it works. No money being asked from me.
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased a total of XXXX items from kohl.com. I then received a package with XXXX items in the box for which I did not order. I called kohl and was told to return the wrong items in store and i will receive a full credit for the correct items and a refund of the shipping charges. I go inside the kohl location in XXXX MD, speak to the manager XXXX who confirms I indeed returned XXXX items that was placed in the box to a kohl.com agent and I was then advised I would get a full refund in about 7 days. Now, i received a second bag with a book i ordered XXXX and i do n't expect to get that back. Im told that all calls are monitored and recorded and nearly everyone i spoke to seemed to advise me i returned XXXX items not XXXX. I called in with the manager, XXXX, from the kohl store I was given a reference number of XXXX that should have stated i returned all XXXXitems that were shipped. I only received part of my full credit. Ive been getting the run around, no one seems to be able to help. I just want my full refund as I returned all the items i received.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?
Consumer complaint received 2015-10-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

I have been directed to this agency, probably again about an original complaint that I made regarding a " Bank of America XXXX Litigation. " I was included in this Litigation process XX/XX/XXXX, because of illegal credit practices carried out in my credit card. I complained XX/XX/XXXX about these illegal practices and I was then given a claim ID : XXXX. 
Since then, I have recently received a letter from the Office of the Comptroller of the Currency XX/XX/XXXX, advising me that " your complaint appears to involve an issue that no longer falls under the direct jurisdiction of our office " ibid. OCCI do not understand why I can ' t receive a legitimate answer on a proper citizen request that I made against illegal credit practices on my credit card. Furthermore, I have been referred to various federal agencies that do n't seem to take charge of the situation and just answer the status of my original claim Id : XXXX. 
I would appreciate if this agency would just take charge of the situation so that I can obtain a final legitimate answer. Thank you very much, XXXX XXXX XXXX
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CT)

Due to Experian 's lack of security and lack of preventative measures my personal data including my address and Social Security number were stolen by hackers. Now my identity is out in the open and the high credit score that I have worked so hard for these past 12 years is no longer safe or in my control. Experian has the audacity to offer me fraud " protection '' from a company which they are the parent of. What makes them think I will trust them with my social security number again? They must be brought to justice on a greater scale than just a class action law suit. They must be made an example of the way that XXXX was in the oil spill with XXXX dollars in fines. As consumers we confide in corporations by providing our personal information, it is their duty to protect that information. This has become a recurring theme where data breaches lead to slaps on the wrist. They continue happening because the punishment does not get the attention of those in power. The US financial system will suffer severely if this does not come to an end. The criminals who are stealing this information know this very well and this is their intent. Attacks on our country are n't always as evident as traditional warfare but are just as serious.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

A unpaid medical bill showed up on my Equifax credit report. The problem is I never received those services from XXXX XXXX. I have never been to XXXX of their locations and it is possible someone stole my information. The bill is for XXXX dollars and the date of the charge was XXXX XXXX 2015. This is not me..