davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (WA)

Caliber closed with so many problems on my loan at the time of closing. When those errors and issues started showing up, I was told by XXXX XXXX - XXXX XXXX  in the XXXX, WA XXXX ; " You signed the closing documents, if you did n't catch these mistakes then that is your fault '' and then she hung up. 
I called Caliber 's corporate offices in Texas and explained what happened. The Vice President I was talking with paid attention and said all of the right words. I felt somewhat like something might actually take place, but actions show what words can not ; and their actions were nothing. I filed complaints with the CFPB and they kept saying how they did the best they could, but could n't take care of everything. Well is that the message you want to hear from your mortgage company. My loan was a slam dunk and the mistakes were an unprepared broker trying to get a file presented for closing, but she had to have that file prepared by close of business on a Friday and well, when XXXX PM hit she obviously had dinner plans because even though I kept finding number problems with more than 12 possible filings, all of which she said were right and none of them were. I 'm not a numbers guys and I was finding major issues with everyone and it was a problem for XXXX because she was late for dinner. The file was sent and I found mistakes several months after the closing only to hear those wonderful words from XXXX, " You signed the closing documents and if you did n't find these issues then that is your fault. '' 2 years later and I am trying to refinance and get the XXXX away from Caliber Home Loans because it has been two years of pointing out mistakes after mistakes and 3 complaints to the CFPB forcing them to do the right things, when I found that I can not get out of my loan with them because they messed up the title. I had to use their Title Company and I did n't want to because the same company made mistakes on one of my XXXX houses ; but Caliber said I had to use them or they would n't do the loan. Either Caliber or the Title company filed the builder number for the unit wrong and at the county is shows that I own a unit three doors down from me and they own my unit. I ca n't get away from them fast enough, but in this case I ca n't even do that until they fix this mistake ; and their response was we 'll take a look at it and get back with you in a week or so. 
Do n't use this company. Save yourself the pain and agony and go with another mortgage company. By all means do n't for any reason use XXXX XXXX as a mortgage broker.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.
Consumer complaint received 2017-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/XXXX XXXX, I contacted Citibank by phone regarding my credit card debt of {$12000.00}. We arrived at an agreement, which they proposed that as from XXXX XXXX, they would automatically withdraw {$210.00} every month from my XXXX checking account inorder to start paying off my balance. I provided them with my routing number and checking account number. They withdrew {$210.00} from my checking account on or around XXXX XXXX, XXXX. They were supposed to continue doing automatic payments from my checking account, something my daughter XXXX advised me to do so as not to be late on payments on any of my accounts. My daughter XXXX was a witness to this phone call. 
About a week ago, I received a letter in the mail from Citibank stating that my account had been sent to collections for non-payment. I was very surprised.I do not always monitor my account as I am very busy working trying to make a living for me and my family. After checking my account, I noticed they did not withdraw XXXX or XXXX 's payment. When I contacted Citibank, they stated that my account had been sent to collections because I had no set up automatic payments which is untrue and incorrect. I asked them to reinstate my account which they have declined to do and this is why I am filing this complaint. Citibank 's actions are damaging my credit when I did my best to work out an arrangement with them. Please help.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DC)

CFPB Complaint XXXX : Wells Fargo Violations of CFPB XXXX XXXX XXXX Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, # XXXX, Washington, DC XXXX Loan No. : XXXX Complaint XXXX. On XXXX XXXX, XXXX, the XXXX provided supplement documentation in connection with his pending loan modification application via email. XXXX XXXX XXXX. As you will see from the supplemental submission, the XXXX provided pay stubs to support his income. 
XXXX. On XXXX XXXX, XXXX, Wells Fargo prepared a denial letter. XXXX XXXX XXXX. The denial letter erroneously calculated his monthly gross income as {$14000.00} when his monthly income is significantly less than that amount. The amount of {$14000.00} represents the gross income for his business and not his personal gross income. 
XXXX. On or about XXXX XXXX, XXXX, XXXX XXXX requested an appeal of the XXXX XXXX, XXXX decision stating that the amount of {$14000.00} represents the gross income for his business and not his personal gross income. XXXX XXXX made the request for Wells Fargo to re-calculate his loan modification application by utilizing his gross monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX. When XXXX XXXX refused to re-calculate his loan modification by utilizing is gross monthly income of {$4200.00}, he then escalated his request to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX investigated the matter and, as a result of the investigation, Wells Fargo still refused to property review his loan modification with the correct monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX that Wells Fargo approve XXXX XXXX for a loan modification that would have been available to him in XXXX during the time period that his application was pending ; B. Impose appropriate statutory remedies that are available ; and C. Award attorneys fees to XXXX XXXX
Consumer complaint received 2017-09-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (HI)

To whom it may concern, I have been seeking for help in regards to my mortgage, and I have been paying different company and this last on company XXXX XXXX XXXX is the last. We been on and off to the court and tried to save my house for the sake of my kids and myself. When I got divorce I was dealing with XXXX who was my servicer before Ocwen. I applied for hardship to XXXX before explaining the hardship they denied my application but they were accepting my payments for a year every month paid them {$1500.00} till XXXX on XXXX from there I stop paying XXXX because they told me that my payment was not applied to my mortgage. Ever since then I was n't paying anything to XXXX then find out later my new servicer is Ocwen. Ocwen been really determined to take away my house for years and they cant even provide me the orginal note that stating they own my home. I am hoping will someone can help me. Paying this company filing cost and her service draining me out. We tried to modified my mortgage they approve me twice but the trial payments they givin me was too much for me to pay so I refused to pay the trial payment because I assumed to modified my mortgage is to lower my monthly payment but its more that what I have to pay. I am a single mother and I was divorce and im the only name in the mortgage but my ex is still in the deed but he is not helping me to save the house because my name on the line. It has been so emotional hurtful for me and my kids are affected to the situation scared to be someday thinking we going to be on the street or asking help from the government for homeless people. I tried my best to have my family be on the good shelter and have maintain job to support our needs as mother. We do n't want to be a burden to the government and just tried to keep this house to the level of what we can afford. I am sure XXXX XXXX XXXX did illegal documenting my mortgage and Ocwen as my servicer can provide the facts original note to present to me that they own my home ... I am asking your help in regards to my situation. Ocwen is giving me a hard time and every time they tried to sale my house it feels like im going to die for all this emotional worries and scared where we gon na live if they take my house. I have been representing myself in court with the help of this company XXXX XXXX XXXX. Please help me ...
Consumer complaint received 2017-09-22
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: Experian Information Solutions Inc. (GA)

I have contacted Experian on several occasions in reference to a collection account that is not mine. I have submitted the dispute, identity theft report as well as police report in XX/XX/XXXX and XXXX 2017. I twas told this item was not reporting on my credit. This item is now reporting on my credit report and I am unable to dispute online. This is not my account. The account has been deleted from the other two bureaus. The account is XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Account 's XXXX XXXX XXXX  and account 's XXXX XXXX XXXXXXXX responsibility is incorrect, which EXPERIAN fraudulently continues to report in BLATANT violation of 18 U.S. Code 8 Obligation or other security of the United States defined . The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( XX/XX/year>, ch. 645, 62 Stat. 685. ) and 31 U.S.C 5118 ( A ) ( 2 ). THE ABOVE ACCOUNTS ARE AN OBLIGATION OF THE UNITED STATES.
Consumer complaint received 2017-09-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I 'm a co-signer on the XXXX private loan, sold to navient ans several other company contact or locator service. I did try to get my interest rated reduced as I 'm currently on retired on fixed income, SSA. 
The loan was for XXXX XXXX and I 'm the co-signer. 
I would request a interest reduction to allow me the possibility get this loan paid off. 
Thank You.
Consumer complaint received 2017-09-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Keynote Consulting, Inc. (IL)

I am presently going through a divorce. My soon to be ex lives in my house. I pay all ulitities, mortgage, property taxes. I reside at another residence, due to the constant XXXX. I never did a change of address, as I 'm planning on moving back into my house when we can get her out. I started to notice a month ago that I was suddenly getting non payment of bill notices. I then went to my XXXX XXXX account, and discovered my score was down XXXX points. I then called the companies, and was informed that they had sent out numerous notices. I never received any notices from any company. I then made a formal complaint with the USPS Inspector. She has been throwing out my mail since at least XXXX. I do n't know how I can be responsible for any bills I 've never received. She also, without my permission tried to change my XXXX XXXX password, without success. Is n't that sort of illegal? If it is, please explain what legal recourse I have. Please any advice you can provide me would be greatly appreciated. Thank you
Consumer complaint received 2017-09-22
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. (TX)

I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report immediately. 

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 XXXX
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called XXXX and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to XXXX I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute XXXX and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs XXXX from the agent and I was placed on hold and told " fts '' or the federal government. I believe XXXX is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
Consumer complaint received 2017-09-22
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. (NC)

I am submitting this compliant in regards to the numerous efforts of faxes, phone calls and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with Equifax, XXXX, and XXXX in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to Equifax, XXXX, and XXXX the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.
Consumer complaint received 2017-09-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MI)

Ally Bank is fraudulently attempting to collect additional fees. They refuse to acknowledge the evidence I provided ( Tire condition photos with date stamp on it, vehicle has 16k miles ). Ally provided photos of incorrectly measuring tires with tons of mud in the treads. They have lied multiple times about a payoff quote claiming that Ally does not have such option ( I have recorded conversations ). They are threatening to forward amount to collection. I can only speak to certain agents, I can not get to any different department agent ( i.e. dispute department, problem resolution, customer satisfaction ). They have confessed and acknowledged that the vehicle is a " grade 4 vehicle '' ( excellent condition ) which will most likely sell above its residual value ( also have recorded conversation of that, matter of fact it was the first call I received from them ). I  need advice on how to take legal action against Ally. Please help p.s. please pay close attention to how the measuring card is bent, the treads " barely '' miss the " allowable '' mark. See the amount of mud inside the tire treads.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I went to the online site for obtaining my free annual credit report from all three agencies. I completed the forms completely and accurately. Only XXXX gave me my credit report ( which I printed out for my personal records ). Equifax and XXXX  both refuse to give me my credit report. Both have done this to me in the past. ln the past, I even went so far as to send them copies of my driver 's license, Social Security card and form XXXX. Neither ever sent me my credit report. I know that these credit reporting agencies are required by federal law to provide me with an annual credit report free of charge. This is obviously some kind of scam on their part because one year that they refused to give me my free annual report, they offered to give it to me if I paid them for my credit score. I paid them and then they tried to charge my card every month for the service. I hope you bring these horrible people to heel. Thank you.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

Data Breach at Equifax. Flawed and haphazard financial system where the " plumbing '' consists of multiple for profit and lightly regulated companies opportunities acquiring our data only to handle it irresponsibly while daily selling elements of it to the highest bidder. We receive no compensation in return, but essentially, our private data is the " product '' these outfits monetize o a daily basis and it adds up to billions of dollars a year in revenue for them.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian continues to report a balance on a XXXX account that was settled in XX/XX/2017 ( see attached satisfaction letter and credit report ). Both XXXX   and XXXX  correctly report the balance as XXXX, however, Experian reports a balance of {$5500.00}. I have disputed this with Experian twice without success.
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I called XXXX XXXX Bank approximately 2 weeks ago ( the week of XX/XX/XXXX ) to request a new debit card because my card had expired in XXXX and I had yet to received a new one. The representative said he would send out a new card and did not mention any issues with my account. A few days later, I logged in online and linked the Schwab account with another on my bank accounts and we through the process of the trial deposit verifications. 
This week I got the debit card in the mail and when I tried to call to activate it, I was told that my account was closed by Schwab, without notice, because I had no activity in 6 months. I explained that I only use this card when I travel abroad and that I had just called in two weeks ago and logged into my account, so there was activity. I also said that I needed this to be resolved ASAP as I was going abroad in a week and needed access to my account before then. After speaking to another representative who said she would look into it, call me back, and then never did. I reached out again and spoke to a supervisor, XXXX, who said he would look into it an call me back. 
XXXX called back and left a message saying that it is in their terms of service that they can cancel anyone 's account without notice and, even though the rep I spoke to two weeks ago said everything was fine, if I wanted a new account I  would have to go through the application process again ( and have another inquiry on my credit report ) for an account that should have never been closed in the first place. I find it hard to believe that a bank can close a person 's account without any notice, especially when I was just on the phone with them 2 weeks before and everything was fine. I would like this to be resolved by my account being re-opened without an additional inquiry on my credit report.