davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Franklin Collection Service, Inc. (AL)

XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Franklin Collection Service, Inc.purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtsXXXX.Provide proof that Franklin Collection Service , Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
Consumer complaint received 2015-06-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Subject : Deed in Lieu of Foreclosure, XXXX, XXXX XXXX, XXXX, CA XXXX Bank of America Loan # XXXX have been assisting The XXXX family on a Deed in Lieu of Foreclosure since XX/XX/XXXX. Wth the advise of customer service from Bank of America I pulled comps and found XXXX lot that sold for XXXX so I proceeded to list the land for XXXX for the 90 days that was advice given to me. We never received a single inquiry on the land for the 90 days. 
on or about XXXX I started getting email communications from XXXXXXXXXXXX requesting many documents which the seller provided. On early XXXX I received a call from a XXXX XXXX, an appraiser from XXXX CA. After going to property he called me and said the property may be unbuildable due to a deep crevice dissecting the lot in half. He said the value is XXXX not XXXX and not the XXXX they paid for it. So I was advised to do a modification of terms on XX/XX/XXXX and changed the list price on XXXX for XXXX. I have yet to get an inquiry on the property. During XXXX XXXX XXXX said she contacted us that the Deed in Lieu of was denied. The XXXX and I received nothing via mail or email regarding the denial. We are requesting a deed in lieu of because, # 1 they no longer can afford the payments and # 2 the value of the property is XXXX and they still owe XXXX. They developer has not completed the improvement on the land as promised. I called the company and they do not answer the phone. Please help this family out and investigate Bank of America 's procedures. XXXX XXXX, XXXX # XXXX
Consumer complaint received 2015-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

I originally purchased a home with a mortgage from Countrywide which was then purchased by Bank of America. A little while after the purchase my wife lost her job and I tried to be proactive and work with the lender. I was told they would n't negotiate with us until we were pass due and to stop making payments. Then I called them after I was XXXX days past due and they told me not to send any payments unless it was in full and they would send me a packet. I completed multiple packets with them to restructure the loan and was told they lost the information or never received it. We got so far behind we attempted a short sale. We had a reasonable offer on the table and the lender refused it. XX/XX/XXXX we had a court hearing where I told their attorney and the judge we just wanted out of the home so we could start over. I was told the foreclosure sale would happen XX/XX/XXXX. We moved out of the house in preparation for that but the foreclosure never happened and over XXXX years later they still have n't done anything.
Consumer complaint received 2015-06-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXXCredit Report Confirmation # XXXX dispute is with the negative entry by Bank of America XXXX BOA XXXX. 

When making the telephone call to cancel ( close out ) my BOA credit card I told the woman I talked with that I wanted to sever all contact with BOA. She replied in the affermative that it would be done. Then said that in the event that a charge should appear I want it disregarded and no charge for insufficient funds as my account was closed. She had to talk with her supervisor about this. After this consultation she told me that it was okay. No further activity on my account would occur. I am absolutely positive about this conversation. Am not so sure about the following. 

Sometime thereafter I received a charge from BOA. Believe the charge was for insufficient funds. Believe that I called BOA and told them of the arrangement concerning my account closing. I may have received an additional bill by mail but did not receive any more invoices. 

I assumed that everything had been settled with BOA until I was turned down for a credit card with XXXX XXXX Bank. Got a credit report and found the negative entry from BOA. Before cancelling my BOA credit card I had previously cancelled ( closed XXXX my bank account. This account was closed because they made errors, one very significant. The branch manager could not believe how badly they had messed up! Now they made another error and they are making me pay ( with a bad credit file ) for another oftheir mistakes! 

How long are recordings of conversations with banks kept? My credit file indicates that the problem probably started in XX/XX/XXXX. So my initial tel conversation with BOA probably occurred a max of XXXX months prior. So the voracity of what I said should not be too difficult to confirm. 

Many thanks for your investigation of this matter. I have long been a fan of the CFPB since XXXX XXXX initiated it. XXXX further impressed with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Network Inc (NV)

this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit.in XXXX XXXX 2014 I faxed over the police report and supporting document and they failed to remove these account with in the 30 day statue permitted by law. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them
Consumer complaint received 2015-12-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (SC)

Greentree offered to refinance my existing mortgage. I agreed and we refinanced. Come to find out that the Mortgage company used the entire tax map # of XXXX acreas instead of the XXXX acreas and the house that was on the mortgage they were replacing. I notified them numberous times and they finally requested in writing on the XXXX of XXXX. I faxed all documents over and was told I would have a response in 30 days. I have called since and all they can tell me is that they have handed it over to outside council and can not give me a time frame for the release. I have part of this property sold and can not close because they will not forward the release or the affidavit for correction as stated. This has now been 75 days and there only response is its out of our hands.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX I applied for an " Amex XXXX Credit Card '' through the American Express website. American Express 's automated system then pulled my " XXXX credit report and automatically declined me due to a " low credit score. '' I have been trying to get a live " human '' credit analyst to review this application with me, as I was unaware Amex would be pulling " solely '' from XXXX which has a score of XXXX XXXX My XXXX is XXXX and my XXXX is XXXX XXXX, but unfortunately no one has contacted me from Amex at this point. Quite a few years ago, I unfortunately defaulted on a student loan that I did not have the ability to pay back at that time. However I got back on track, and paid off the loan in full, so there is no longer any outstanding debt, and despite it being paid off in full, that XXXX incident will remain on my record until XX/XX/XXXX I have a credit card with both XXXX for {$3000.00} and XXXX XXXX for {$2000.00} that have been paid in full each month, as well as {$1200.00} in savings. I was hoping to finally join the American Express family, and would really like to speak to someone from the " executive office '' of Amex to reconsider my application. I 'm willing to prove my " creditworthyness '' to Amex, so I ask that they just approve me for the amount that is currently in my savings account right now XXXX {$1200.00} XXXX and let me earn their trust. I have always loved Amex and everyone in my family is a member of Amex, so I would like to finally have the opportunity to do so myself. Thank You.
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2015, my wife attempted to deposit {$1800.00} cash, XXXX XXXX XXXX dollar bills, XXXX XXXX, XXXX XXXX, and XXXX dollar, into my Bank of America checking account by using my debit card at the ATM machine located inside of the bank. The ATM machine malfunctioned and only credited {$300.00} of my attempted deposit. The receipt stated " Sorry, some of your items could not be processed or returned. Please contact your financial institution. '' I contacted the electronics claim department of my financial institution to place a claim. XXXX separate claims were made. claim number : XXXX represents the {$1500.00}. There was a temporary credit to my bank account of {$1500.00}. This credit was reversed on XXXX XXXX, 2015 because they did not locate any additional cash for this transaction thus closing closing this dispute. They also credited on XXXX XXXX, 2015 the {$31.00} from claim number : XXXX and determined that this claim was resolved and the current status was claim paid. I am disputing the final decision on claim number : XXXX and ask for your office to further investigate what happened to my deposit. I am attempting to forward to you the documentation the bank provided.
Consumer complaint received 2015-06-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (CO)

Citibank XXXX XXXX ( CBNA ), in conjunction with The Home Depot, treated me unfairly. In XX/XX/XXXX I applied for, and received, credit at the check-out register for a purchase ( about {$350.00} ) in order to get a {$50.00} discount. They got my mailing address wrong, so I never received a bill. ( Despite my ongoing efforts to communicate and negotiate a fair settlement, I still have never received a bill ). I forgot I had applied for this credit, and also forgot the amount due, thinking I had simply added it to an existing credit card. 

XX/XX/XXXX I received a collection call -- my first reminder that I had opened this credit account. I agreed I owed something, gave my correct mailing address, and asked for a statement I could use to negotiate a settlement. I did not believe I should pay for late fees and interest when I never received a bill! To date, I still have n't received a statement. 

XX/XX/XXXX they wrote off my debt, sent me to a collection agency, and dinged my credit report WHILE I HAD ALREADY AGREED TO PAY SOMETHING AND WAS SIMPLY TRYING TO OBTAIN THE INFORMATION NECESSARY TO NEGOTIATE A FAIR SETTLEMENT. I contacted the CBNA/THD ( they still have yet to send me anything by mail or contact me by phone other than the XXXX XX/XX/XXXX call ) and the balance they are trying to collect from me is now up to over {$700.00}! 

These collectors are intentionally stringing me along to grow the interest charges. They prey on people with good credit, thinking they will simply pay the fees to make outstanding balances go away, no matter how unjust. Well I will not stand for it and will fight. I will pay what is fair, but not {$1.00} more!
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am sending this credit bureau dispute directly to the CFPB only because I could not locate and address on either lenders bills ( I have an older copy ) or website for the address a consumer may submit a direct dispute. Both Lenders do provide an address for NOE and RFI requests. I did originally refer to my efforts to force the sell of the home with a previous NOE/RFI request sent to both lenders. 
During the past XXXX years, I 've tried to make every effort and spent XXXX of dollars in attorney fees to force my ex-husband to either refinance or sell the house. Although he has XXXX intention to stay in the home ( he is moving to South Carolina in XX/XX/XXXX ), he has refused to sell the house or to allow me to coordinate the sell of the house. It is his final act of abuse to intentionally ruin my credit. I 've attached XXXX court orders that try to force him to sell or refinance the house. He has either ignored the request of the court or filed an appeal to delay any action. The most recent order on XX/XX/XXXX was appealed to the XXXX, simply as another way to ensure that my credit is ruined. He represents himself which allows him to freely continue to file these appeals, which take time to move through the system and money on my part to defend. 
I know that a court order does not supersede nor negate my financial responsibility to this debt, but I am asking that this trade line be deleted from my credit bureau. When I was finally able to escape my abusive marriage XX/XX/XXXX, XXXX continued to find ways to harass me and ruin any chance that I would have for financial independence. I 've also attached a copy of my credit report from XX/XX/XXXX that demonstrates that the only bills in a negative status are those for the XXXX XXXX property. I have a credit monitoring service which just alerted me that he is now XXXX days delinquent on the XXXX mortgage and XXXX delinquent on the XXXX mortgage and because the latest order to force the sell of the house is in appeal, I ca n't do anything to change this situation. 
I need help and any consideration would be appreciated. Thanks.
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Tried to access my checking account with Bank of America and was unable to do so. Went to the bank and was told account was frozen. No one was able to give an answer why. Went home and received a letter from the bank stating my accounts ( XXXX ) plus my daughter 's accounts were frozen and will be cancelled without an explaination. The letter was dated XXXX/XXXX/2015 and I received it on XXXX/XXXX/2015. Letter stated 'your personal checking/savings account ending in XXXX will be restricted in 7 days and closed 14 days from the date of this notice. Now we are talking XXXX and I can not access my account and there is only a XXXX # to call, which you can only get an automated voice telling you to leave your name, # and account # and they will get back intouch with you. Went to the bank and they can not help me because they can not see my accounts because its frozen. This is very unfair and the bank seems to forget they are dealing with people and not a number. The issue is both my checking and savings account.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

Ocean is currently servicing my loan ; I have had a loan with them since 2009. I had a substantial hardship, I fell behind on my mortgage payments. I visited the website and saw that they offered assistance or loan modifications. I have been completely unable to get in touch with Ocwen. I have called and sent countless certified letters which goes unanswered. When I call each representative tells me something different. I have sent the Request for Loan Modification which also went unanswered. I am currently working and my financial hardship is corrected. I believe I can afford my home and I do not want to lose it. I have heard of the mortgage settlement in the news however I have not heard anything regarding my loan. I am desperately trying to keep my home for me and my children and I do not want to foreclose. I want to resume making payments and coming up with a modification for the arrears. Please please help me
Consumer complaint received 2015-05-14
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

On XX/XX/2015 at XXXX i sent a money gram of XXXX to XXXX XXXX . When the person that was suppose to recieve the money went to pick it up, she was told she could not do so because her name is on some federal govermnent list that prevents money gram from doing business with her. She was advised that she would need to return with more information to to identify herself. She then notified me that she had been denied receipt of the money that i had sent to assist with a family menber funeral. I then called and was given the run around stating that she need to return with more identifiation in order to collect this money, and was given a number for the agent there in XXXX to call in order for a money gram agent here in america to call her back. All of that was done and still the money was not released to her saying that money gram still needed more info but not able to tell her what more they needed. I then called Money Gram for the second time and at that time requested that my money be refunded to me since i was the one that sent the money to her. The money gram agent told me she could not give me back my own money cause this lady name is suppose to be on some Federal Government List. As a result i have not been refunded my money and they are still refusing to release the funds to whome i sent it to. Iam not a rich woman therefore i can not afford for Money Gram to not refund me my mone back.
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different. 

Sincerely Yours, XXXX XXXX XXXX
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NM)

XXXX friends and I were booked on a XXXX XXXX XXXX. Because of low water, XXXX XXXX XXXX refunded our money to my credit card. The total amount refunded was almost {$22000.00}. Viking transferred the funds on XX/XX/XXXX and XX/XX/2015. On XX/XX/XXXX I requested a wire transfer of the credit balance to my bank account. On XX/XX/XXXX I again requested a wire transfer. As of today, XX/XX/XXXX, the credit balance is still not in my checking account.