davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX I filed a complaint against the Bank of America about not reporting to the credit bureaus that I have a mortgage. This has greatly affected my credit score and the amounts I pay on my credit cards interest rates. My previous complaint number with the CFPB is XXXX. I believe the CFPB closed the file after the response by the B of A. After I read the response by the Bank of Americas employee " XXXX XXXX '' I was greatly concerned about the blatant dishonest statements he made in his response. To be more accurate he blatantly lied to the CFPB. To make it worse he did it in writing. The only thing I have been trying to do is get the B of A to report my mortgage payments to the credit reporting agencies.The B of A 's continual response is I have not reaffirmed my mortgage after my bankruptcy in XX/XX/XXXX. I contacted my bankruptcy attorney XXXX XXXX and asked if this was true. She explained to me that when I modified my mortgage under the Obama plan that I had reaffirmed my mortgage. Her office also explained to me that for some reason the only mortgage holders who refuse or give continual problems to customers about this issue is the B of A. She has told me to contact the B of A to remedy this issue. I have contacted to B of A and the CFPB about this issue and the issue still has not been remedied. In the response to the CFPB dated XX/XX/XXXX " XXXX XXXX '' employee of the Bank of America stated on page 2 paragraph 3 under RESPONSE, XXXX XXXX stated that as of XXXX XXXX that my mortgage was in Default Status. Why would XXXX XXXX make such a dishonest statement. Did this make him feel like a big person, or has the Bank of America gone back to their old ways of doing business by making a home owner feel like they may lose their house by defaulting on their loan when they are not actually in default. At the time of the letter written by XXXX XXXX my house payment was two weeks late not in default status. There is huge difference. Also my mortgage payment was made. I am once again asking that the B of A report my mortgage payments to the credit reporting agencies and investigate why XXXX XXXX would make such a dishonest statement to the CFPB. Federal agencies and the customers of The B of A should all be allowed honest statements and reporting by the Bank of America. Making dishonest statements and not doing what is right only reduces the amount of trust the public and federal agencies have in a institution such as the Bank of America.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX placed a collection on my XXXX, XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Consumer complaint received 2018-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (OH)

Not sure of dates but I just recently last month disputed Santander to take it off my credit report I stated that I had continuous loss of employment and could n't pay it and the car was triple the amount that it was worth XXXX XXXX XXXX XXXX dollars for a car worth XXXX. I want to try to finance another vehicle and this is the only thing holding me back on my credit.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

checked my credit report and noticed a debt collection from XXXX by Bureau Name CONVERGENT I contacted Convergent on X/X/18 and notified them that this was not my debt. The name for the debt collection is XXXX XXXX and I told them that that is not me but they refused to acknlodge that fact regardless of what I said.
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I have an escrow account with my mortgage company. It is set up to pay my home insurance and property tax. I pay {$730.00} of every mortgage payment {$2100.00} to my escrow account. Every year I get an annual escrow account disclosure statement which determines if Im paying too much or not enough and my mortgage payment is adjusted accordingly. This year I have an overpayment so I received a check {$330.00} In the same letter my mortgage company is INCREASING my mortgage payment. I feel my mortgage payment should be reduced if not at least remain the same. 
Im also billed {$200.00} mortgage insurance which my mortgage company seems unable/incapable of explaining I called my mortgage company spoke to XXXX who identified herself as a manager and was unable to satisfy my questions she acknowledged my taxes remained the same and my insurance increased {$76.00} the {$330.00} is more than needed to cover that increase
Consumer complaint received 2018-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX my purse was stolen including my driver 's license, credit/atm cards, checkbook and keys. I reported the theft and it is in a XXXX Police Report. I cancelled my Bank of America ( BOA ) cards, stopped payment on the missing checks, and removed most of the funds from my checking account. 

On XX/XX/XXXX-XX/XX/XXXX, three deductions totaling {$5500.00} were made from the BOA checking account belonging to my husband and me for " returned item chargeback ''. Apparently, on XX/XX/XXXX-XX/XX/XXXX, someone presented my stolen id, and BOA cashed 3 third party checks totaling {$5500.00}. This was despite the fact that there were not sufficient funds in the checking account to cover any one of the third party checks. 

On XX/XX/XXXX-XX/XX/XXXX, we met with a local BOA official who initiated a BOA fraud investigation, referencing the XXXX Police Report number. He put a " fraud hold '' on the account, and we discussed options for my safety deposit boxes since the thief had both my id and my deposit box keys. Ultimately, I re-keyed both boxes. 

On XX/XX/XXXX I was contacted by the BOA fraud investigator. I told her that my TX driver 's license was stolen which displayed my signature, along with checks, cards, etc. I also referred her to a second identity theft incident using my cancelled checks and gave the XXXX County report number. 

On XX/XX/XXXX, without any communication, BOA move funds from savings accounts of ourselves and our child to cover the overdraft in the checking account. I met with a BOA official at a local branch, who indicated that the fraud claim was denied, but that she initiated a " reconsideration request ''. She said they would email me the denial letter, which they did not do. 

After several calls to BOA check fraud, I received the denial letter which stated " The signature on the item ( s ) you claimed matches with the sample signature ( s ) on the account. Based on our research, identification belonging the account holder was used and we have n't been advised that your identification was lost or stolen. '' Between XX/XX/XXXX and XX/XX/XXXX, we contacted BOA at least 9 times via the fraud department customer phone lines, letters, and local BOA officials. We provided full copies of the XXXX Police and XXXX County reports. BOA continues to delay citing workload, errors in internal communication and work processes, lack of information, adherence to internal durations, etc. On XX/XX/XXXX, the representative indicated that the first reconsideration request was not done correctly, and did not take place, so he provided the proper paperwork, and now the completion date was XX/XX/XXXX. On XX/XX/XXXX, another representative indicated that there were 2  reconsideration requests, that the first one was denied but there would be no communication to me, to call back after XX/XX/XXXX.
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I recently had a loan modification done with Ocwen and I mailed Ocwen money orders on two occasions one in XX/XX/XXXX and again in XX/XX/XXXX in the amount of {$3800.00} as of today they refuse to post the payments to my account. When I spoke to Ocwen on XXXX XXXX 2018 the relationship manager told me that the might not be able to accept my XX/XX/XXXX payment because she is not sure if they are going to accept the {$3800.00} I have to wait on the loan modification team. Ocwen is very unprofessional in dealing with home owners mortgage and most of the time the reps all give you different answers to questions ask and also concerning your loan with them. This is very stressful for me not knowing what is going to happen with my home,
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

The credit bureaus reached a settlement and announced, that tax liens, judgements and public records would be removed from the credit report, if the public records, did not contain certain basic identifying information : A person 's full name, address, social security number and date of birth. The requirement is that 3 of the 4 identifying information, points. Must be contained in the public record, to report it on the credit file as of XXXX 2017 ( these files, must be removed ). The minimum frequency of physical courthouse visits, to obtain newly recorded and updated public records, is ( at the very least ) every 90 days. The credit bureaus, has not physically, had a representative visit the courthouse ( s ) for public records filings and have used online services, such as XXXX for acquiring the information and has reported, this information provided, by a third party. Without any verification process, as required. And using a online service is not, within the physical visits, requirements, as set forth. 

I checked my public records and there are tax lien ( s ), listed on my credit report. 
which does n't meet the requirements to report on my credit file. There is no social security number, no date of birth, my full name is not disclosed, as well as a incorrect address. XXXX has removed the tax lien ( s ) from my credit report, as required. 
But, Equifax and XXXX, still have tax liens, listed on my credit report in violation of the new established agreement.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Per my statements, starting in XXXX, XXXX XXXX XXXX began implemented a minimum monthly charge without notifying me. Since I had not made any purchases using this card I was not checking my online account/balance. I was unaware and the minimum charge subsequently resulted in 3 months of late fees and delinquency which is now noted on my credit report. I already had 2 months of delinquency on this account so this extended period of delinquency has resulted in my FICO score dropping 120 points. XXXX XXXX XXXX did refund me the payments I made for the late fees and minimum charge ( {$7.00} ) but the delinquencies have not been removed from my account. When I contacted the company about this they had obviously realized their wrong doing and terminated the monthly minimum charges. Additionally, I had been enrolled in automatic payments for the minimum balance due back when I used the card more frequently but they were no longer being completed.
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (MD)

I currently hold a loan with XXXX and have a discrepancy in the escrow account. My taxes on record show late fees as well as interest due to the company errors. They are collecting XXXX dollars a month for escrow on a total tax and insurance yearly account due of approximately XXXX. They are currently collecting double the amount of the escrow necessary. 

I have made XXXX calls to the company thus far with little or no answers from them. I believe they have no reported or paid my taxes properly and are responsible for any and all fees and interest charged since the date of my purchase in XXXX. 

I need help with this issue immediately as the new loan amount is very difficult to maintain with an extra XXXX or XXXX a month tacked on to the account. I have requested an escrow analysis 6 times since XXXX without any action taken.
Consumer complaint received 2018-01-05
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: EQUIFAX, INC. (OK)

Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.
Consumer complaint received 2018-01-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES (FL)

A student loan from the US Department of Education was taken out in my name in 2012. I contacted the US Department of Education about the loan and after a lengthy back and fourth struggle, they took the loan off my name.Once I obtained my credit report I noticed a derogatory mark on my name. It was from the US Departments loan that was fraudulently put in my name. Since the loan was removed from my name, all marks and wrongful accusations should be removed also. It is bringing my credit score down because of its negative remarks.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Beginning in XXXX of XXXX, I separated from my spouse and began the divorce process by moving my residence twice. On numerous occasions, I contacted Chase regarding both of these changes. Despite my efforts to have the bill sent to my new residences and / or e-mailed to me, Chase failed to follow through with this. I spent a great deal of time on the phone with Chase and many of our conversations became hostile. Because of this hostility, I firmly believe that I was intentionally targeted and one of my payments over the phone was not processed in retaliation. One month after my divorce was finalized, Chase reported a 30 day late on my account in XXXX XXXX. This was a complete slap in the face, especially because of the repetitive due diligence on my end to change two of my home addresses during the divorce process. I NEVER RECEIVED US MAIL CORRESPONDENCE BILLS AS REQUESTED DURING THIS TIME.
Consumer complaint received 2018-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

The loan servicer, MOHELA, constantly calculates the incorrect payment amount when the interest rate resets on my variable student loan. MOHELA 's payment calculation fails to account for pending monthly payments, thus using a higher loan balance in the calculation, resulting in a higher monthly loan payment. MOHELA always recalculates the loan payment amount on the day that my monthly payment is made, so there is always a pending payment when the calculation takes place. I provided electronic correspondence to MOHELA months ago, informing the company of this issue and have not received a response.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Applied for American Express card for 0 % balance transfer. I was charged 3 % of the balance transferred. Upon approval I transferred of {$3900.00}. On XXXX of 2017. They have been charging me " finance interest '' for the past 3 months. I 've been calling each month they rectify it and then the next month it happens again.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

My credit report has a revolving XXXX account that is reported as being an open account. I contacted a XXXX credit specialist who stated accounts are not reported on after 7 years and there was no record of any account in my name. The account is being reported as open still.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (MI)

amount {$1000.00} I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have the right to demand to see a signed contract between Midwest Recovery Systems and myself
Consumer complaint received 2018-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I honestly dont think i was the only one affected. Notice its NOT + {$9.00}, its a debit of {$9.00} Wells fargo basically LOST {$9.00} of mine in my CROWN checking account & can not give an answer as to its whereabouts! This has been happening in my bank & im busy just like everyone & have no time to moniter a bank whos reputation is infraction after infraction of fraud. 


Last night at XXXX i deposited a {$100.00} bill in wells fargo crown checking to cover my reacuring mortgage with them of {$1000.00}. 
& That {$100.00} bill deposited shows as pending, yet its cash, its there in the balance. Still WHY pending? 

But below is the main problem.. 

& second my balance before the {$100.00} deposit was. {$1000.00} & after the {$100.00} bill deposit, the balance showed {$1100.00} on the ATM & on the email receipt i received. 

Now this am my crown balance is {$1000.00}?? 

Thats {$9.00} missing & i see no evidence of the {$9.00}. Not in the wells fargo app, not in wells fargo online, no where. 

I just closed the phone after calling wells fargo & they have NO CLUE where my {$9.00} & XXXX there starts insulting my intelligence asking me if made a transaction for {$9.00} & said it could take days to post??? REALLY?? 

wells fargo posts debits IMEDIETLY, i have all documents to proove my complaint is valid. 

Last week the woman at wells fargo said they are having information problems. You can see how little money i have
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

On XX/XX/XXXX I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/XXXX and was signed and delivered on XX/XX/XXXX. To which I never received any response and then today I go onto my credit report on XX/XX/XXXX and see that they have been added to my credit files ( XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have tried to dispute several bad things on my credit and they wo n't go away. I 'm currently trying to get private student loans for school and am continuously denied bc of Equifax reporting. This is causing a lot of problems for me. XXXX is fixing it on their end why wo n't Equifax?
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

When I was XXXX i opened my first credit card at XXXX 's. I was XXXX young and stupid and let it go to collections those calls were coming to my parents house and my dad paid off the debt. I had to work that money off so I know he paid off the debt it was around {$300.00}. Never removed from my credit. Fast foward what seems l ike 10 years because i am not XXXX it is still on my credit. That right there is reason it shouldnt be on my credit report anymore. The limit is 7 years. So it should be cleared just because of that and it was paid ... I call XXXX/XXXX is what it is listed on my credit report as credit report number XXXX ( equifax ) to just pay whatever they say i owe, the lady refused any payment frusterated i hung up. I called yesterday to get my account numbers i could file a claim to equifax the new person then refuses to give it to me saying its on my credit report and they can comfirm the last 4 digits.. its not on my credit report but ok. I filed a disput with equifax and havent heard anything back. I dont know what they or XXXX wants me to do. At this point its completely unfair to be on my credit. It was already paid, it's almost over 10 years ago, I try to pay it they refuse, I try to get my account number they refuse what do you want me to do. I cant report anything to the Attorney general or other higher fraud places because they wont give me an account number. Can you please help me.