davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax is reporting XXXX account number XXXX which is a fraudulent account which belongs to XXXX XXXX, not XXXX XXXX. I am attaching a letter from XXXX XXXX acknowledging the debt is hers. I am attaching my XXXX XXXX mortgage document for my previous residence of XXXX XXXX XXXX XXXX , which has my signature and the date in which I resided there. I am attaching my property tax document for my current address which shows the date in which I started residing at my current property XXXX XXXX XXXX XXXX. I have resided between the XXXX and my current XXXX XXXX XXXX XXXX residence exceeding 15 years. I did not have any affiliation with the address on the XXXX application, DID NOT SIGN and was not aware until seeing on my credit report. I have also attached an incident report from the XXXX XXXX PD. Also, I ask that I please have an extended fraud alert applied if not already there, I know I had one. I am attaching XXXX XXXX application page with the fraudulent signature which can be compared with my XXXX XXXX 's mortgage page.
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Pacific Union Financial, LLC (TX)

Hello, My name is XXXX XXXX and I am current customer of Pacific Union Mortgage. I refinanced my mortgage with them in XXXX of XXXX. I have made my payments with them on time since then and In XXXX of XXXX and I being told, that my mortgage payment will increase over {$800.00} dollars due to an escrow issue. After researching this and calling Pacific Union in XXXX XXXX of XXXX, the CSR rep at Pacific Union discovered this was a mistake by Pacific and the title company for completing excluding the school taxes and that they would reach out to the Title company to get payment from them. The guy said he could clearly see this was overlooked by both Pacific and Title and not to worry. It will be handled accordingly. He said this would be resolved in 30 days. I call back 30 days later and the CSR rep tells me this is my problem now and I should have caught this upfront!! How do you tell a customer his payment is going to increase over XXXX dollars??! Now either the title company or the Pacific Union needs to be held accountable for this mistake. They created this issue and now they need to resolve it! I ca n't afford an {$800.00} dollar payment increase! HELP!!
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

My loan and the escrow account was established XXXX XXXX, 2015. In XXXX I was advised my new escrow payment would be going up to {$470.00} from {$310.00}. They have made several errors even paid my insurance company three times in error. I have asked for an explanation and a compromise, their explanations have been from none to very confusing.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On or about XXXX 2015, I was going through a divorce and had to change my bank account on my automatic payment service on my Capital One credit card. I changed the bank account number and am positive that once I changed the account number that I re enrolled in the automatic payment to deduct the minimum payment due for each month. Two months later, I receive a call from Capital One saying that I have been 60 days late on my payment. I was shocked as I know that I set up automatic payments with Capital One, as I do with all of my credit cards. The representative said that my automatic payment was not enrolled. 

Fast forward to this month, I am applying for a mortgage for a new home. My lender says that there is derogatory items on my report. XXXX late payments totaling in a 60 day late on my credit report on XXXX and XXXX 2015 from Capital One. 

I called Capital One and explained the situation but they are telling me that the information is accurate and they are obligated to report to the Credit Reporting Agencies ( XXXX ). 

Because of Capital One 's negligence or glitch in their system my credit score has dropped significantly and now am unable to get an excellent mortgage rate to purchase my new home. 

I 've never missed a late payment with any of my credit cards. 

This is a mistake on Capital One 's part and I should not have to be inconvenienced by their mistake or glitch in their system, as I DID re enroll in the automatic payment thru their website. I 've had credit cards and car loans through Capital One and for them to not rectify this problem is absurd.
Consumer complaint received 2019-05-31
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: CITIBANK, N.A. (MN)

Dear citi I had file Disputes with XXXX  reporting agencies XXXX tells me that you verified the information on all Three accounts saying it is reporting correctly correct when you send that information back to XXXX One of you Guy 's are not changing the date if status This is a Violation of the FCRA Transunion tells me that it is your responsibility to this when you reply back via XXXX XXXX This is a violation of the and you could be fined or sued for {$1000.00} per account per bureau I have had to issues before with XXXX they claim they will get back to me in 60 days But 60 days comes and Go so I need to get to the bottom of this to find out which one of you are in violation of the FCRA please Both companies DO NOT SEND ME ANY LETTER VIA US MAIL RESPOND HERE ON THE CFPB SITE LETTING ME Know which one is causing the violation ...
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (AZ)

This is a complaint from XXXX XXXX against Capio Partners for Capio Parnters 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Capio Partners. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2016-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charge {$670.00} for an appraisal fee to obtain a mortgage refinance from Bank of America. After 1 day, I cancelled the loan request and requested a refund. After 8 days, the loan was finally cancelled, but only a total of {$460.00} was refunded. Bank of America retained {$210.00} of unearned funds. No appraisal was performed or scheduled.
Consumer complaint received 2019-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I attempted to make a payment of {$9300.00} on XX/XX/XXXX to my XXXX student loan servicer, NelNet. I received a confirmation that this payment went through on XX/XX/XXXX. In addition to paying them this sum, I have an automatic payment set-up for {$250.00} monthly. Due to their electronic confirmation of my payment, I believed that I my outstanding balance would have been {$920.00}, then subtracting my automatic payment would have been {$670.00} Nelnet is claiming that this payment was posted to my account ( XXXX XXXX XXXX ) but then they got an electronic message from XXXX that " no bank account/ unable to locate account '' - despite me having used this bank account to make payments to this account as recently as of XXXX of last year. On XX/XX/XXXX I made a successful payment {$5000.00} using this exact same bank account. 

Nelnet put a notice on my account that it is past due, despite my good faith efforts to make payments of {$9300.00} on XX/XX/XXXX and an additional {$250.00} on XX/XX/XXXX. I should only owe {$670.00} as of today, and due to the errors of NelNet or XXXX I now owe ( after re-attempting to make a payment of {$9300.00} today ) {$760.00}
Consumer complaint received 2019-05-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

In XX/XX/2015 Fedloan Servicing reported my student loan account was 90 past due. In fact my loan was in forbearance at this time and no payment was due for one year. 

I have contacted the company on several occasions requesting the info be evaluated and reported accurately. At one point, I was told the info can be removed but no actions were taken by Fedloan to correct their inaccurate reporting. 

The biggest problem is ; although the 17 accounts were consolidated into one payment, the Fedloan reported each accounts as separate accounts. I now have 17 accounts showing 90 days delinquent ; when its truly has been consolidated into one. 

Their in accuracy has caused my credit score to drop by 50 points and in return Ive been denied loans and credit that I truly qualify for.
Consumer complaint received 2016-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

On XXXX XXXX, 2016, I paid a bill to ( what I thought ) fedloan.org from my XXXX XXXX XXXX. Turns out the payment went to Navient Servicing with account number XXXX. XXXX ( subcontractor to XXXX ) made calls to Navient whereas they assured XXXX that the payment would have been transferred approximately 4 business days ago. On this day, the payment is still in limbo with Navient.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

1 The primary borrower of the loan, XXXX XXXX died, XX/XX/XXXX, as was married to her at time of XXXX XXXX loan, but I never signed the Note and D of T, but I paid {$100000.00} down.balance of {$270000.00} for property worth $ XXXX 2 Property was fraudulent appraised in violation of XXXX XXXX regulations. 

3. OIG Dept of Treasury, XX/XX/XXXX REPORT determined that XXXX had a history of fraudulent loans. 

4. In XXXX closing, I re -- emphasize I never signed any waiver, deed of trust, or NOTE, which I shoiuld have " marital rights '' as I was the source of money. 

5. Appraisal company - appraiser - realtor - real estate company - closing attorney all licenses surrender, non renewal and out of business ... .both handling a XXXX and XXXX fraudulent sales on this property. 

6. XXXX was taken over by FDIC in XXXX, sold to XXXX, but FDIC transferred in XXXX to XXXX XXXX XXXX, and in XXXX, XXXX transferred to Nationstar XXXX 7. Nationstar has had poor policies, refused documents requested, employees in loss mitigation lied repeatedly, and finally in mid XXXX Nationstar XXXX XXXX and XXXX XXXX through XXXX XXXX, MGR CUSTOMER SERVICE agreed to file title claim, lender for defects resulting from loan. 

8. They ageed if I bought out the children of XXXX/first husband that Nationstar would file the title claim, since my wife died without a will. I did that and spent {$15000.00}. 

9. This would give me the property free and clear since we were defrauded by the appraisal, and the closing attorney, and that attorney was certified by XXXX XXXX XXXX, issuing the paid policy. 

10.At merger, Nationstar and XXXX XXXX , became XXXX XXXX , XX/XX/XXXX and now XXXX  XXXX XXXX , -- they took XXXX off the file, denied filling the title claim in bad faith negotations, and hired two more attorneys to come after me now
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Bureaus, Inc. (CA)

I paid that XXXX XXXX debit off in payments at least 2 years ago yet it still shows that I haven't. XXXX had the same info on their site and they corrected it after they did there investigation. I've tried dispute that account countless # of times and it still shows active. I paid it off. In installments
Consumer complaint received 2019-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westlake Services, LLC (CA)

This company called me on the phone told me they would give me a XXXX loan but first they would start out with putting XXXX into my account to be sure it was my account was valid. Upon doing this 2 days later they called me wanting there money back and I could only give it back by buying these cards and calling in the card numbers on the back which I did /, they also forged my name on the back of this check they sent transfered to my bank. Then there check bounced/. ( I didnt know at the time. ) This all done they said they would deposit my XXXX in my bank by XXXX XXXX that day wrong never heard from them, I'm a XXXX yr old XXXX woman single living on less than XXXX a month and this cause overdrafts at my bank because of auto pays and humiliattion to sleepless nights and fear of them retaliation from this company due to them threatening calls to my home.
Consumer complaint received 2016-11-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America hit me for a missed payment back in XXXX 30 days late then XXXX 60 days late in 2014. I never missed a during that time we were working with bank of America to restructure my loan and the full payments sent were said they put the money in a trust and pulled from the trust each month to make the payments. For some reason XXXX and XXXX and XXXX and XXXX show on my report as no report from bank of America but in XXXX and XXXX they show no payment and counting it as 60 days late when the math does not add up. if the math was correct then I should have been way more then 60 days late. I have never had a missed payment with any account I have in the past 10 years or longer.
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Have contacted Navient since XX/XX/19 to request form be endorsed for EDRP for my XXXX employer to repay my student loans. Receieve only automated correspondance via email. Have uploaded form twice. Was then told to call us dept of education who after calling and emailing with them referred me back to navient. Also, navient has made me fill out the income based repayment plan app in XXXX and again in XXXX.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

In 2012 my husband and I went into his WFargo branch to cash a {$50.00} check made out to both of us. I was not on his account. Although we were both present and had I.d., we were told we could not cash a check made out in both of our names. We were taken to new accounts and told we had to open a joint checking account. A savings account was open at the same time ( that we did not want our ask for ). The new accounts rep bragged about openings XXXX accounts that week. Thereafter I received a late fee notice that I had not paid my Wells Fargo credit card invoice. I have had this card for 20+ years and always pay off the balance each month. After the branch opened the joint checking/savings account they stopped mailing my statements. I was told they were mailing the statements online. I do not bank online because of threat of hackers, etc. It literally took hours on the telephone, trips to the branch and paying interest on a balance due. I was so angry at the new accounts rep that I wanted to strangle him ... .all for a measly {$50.00} check that we could have cashed at XXXX branch. I am no fan of Wells Fargo. They lost my trust!
Consumer complaint received 2016-08-06
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Mount Olympus Mortgage Company (MN)

Official looking mailing received ( from TRU Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ) with a return address of XXXX XXXX XXXX XXXX. Inside the mailing is an offer to reduce our monthly mortage payment. We do not have a mortage and have not for years. The mailing claims their information is based on public record sources which probably means credit bureaus or other data providers they pay for information such as names and addresses. Of course, their claim may simply be fabricated.
Consumer complaint received 2016-12-13
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC. (VA)

Lender : Cash Net USA Bank : XXXX, VA I have emails that have been sent to them stating that I am now receiving my pay once a month and not bi-weekly. I needed them to not auto-draft from my bank account because I was laid off prior to getting the job and at the time I stopped receiving pay from unemployment because I was working. I went a solid month with no savings and no income and they relentlessly drafted from my account even after I pleaded with them not to. They asked for pay stubs but I had none because obviously I started a new job. They finally accepted a statement from human resources on company letterhead that states the fact I get paid on the last day of the month. Even though they admit that they were wrong, they are n't able to reverse my last payment. I am going to ask my bank to reverse the payment but in the meantime, I am out a lot of money because of overdraft fees. Here is what I wrote to them : I am going to call my bank to reverse out the most recent payment as according to your recent email, I should give at least two days notice of a request to change due dates. I initiated this process on XX/XX/2016 ; two days after I started my new job. I was laid off from XX/XX/2016 - XX/XX/2016 by the way. I responded that I did not have a pay stub yet and since I was employed I was no longer going to receive unemployment checks. You withdrew from my account anyway and caused XXXX overdrafts for NSF. I then contacted Cashnet on XX/XX/2016 with my first pay stub proving that I get paid monthly and the response was we need XXXX. I called in and complained and someone there told me to send a document on company letterhead stating that I get monthly. I complied and sent it XX/XX/2016 at XXXX. I got no response but it was a full 3 days prior to my payment. Lastly, the overdraft comes out and as I predicted caused an overdraft. You all have to remember that I am a customer. I have been kind, courteous and patient. That has not been reciprocated. In the end, I 'm the customer and the company should be kind, courteous and patient not the other way around.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

I paid my first mortgage payment on XXXX/XXXX/2016. I was therefore completely current. Per my mortgage documents, I can pay off any amount of principal of my choosing as long as I am current, without any penalty. I submitted a principal payment of {$1100.00} on XXXX/XXXX/2016 before XXXX EST. The payment was clearly indicated in Chase 's system to be a principal only payment ( see attached documentation ). Supporting documentation will also show that the payment posted on XXXX/XXXX/2016. As of XXXX/XXXX/2016 my principal payment has not been reduced by any of this amount. The funds have been posted to suspense and remain completely unapplied ( see supporting documentation ). The XXXX/XXXX/2016 regular monthly payment has therefore also been applied incorrectly as it is calculating based upon an overstated principal balance. I have contacted Chase customer service on XXXX/XXXX/2016, XXXX/XXXX/2016, and XXXX/XXXX/2016. In short, the representatives have advised me that they were processing the correction. One representative told me it would take 24 hours to correct. Another advised it would take up to two business days. Based upon the initial notification on XXXX/XXXX/2016 we are now on the third business day with no resolution. I have lost faith that Chase will ever correctly reverse the XXXX/XXXX/2016 regular monthly payment, apply the {$1100.00} principal payment effective XXXX/XXXX/2016, and correctly post the XXXX/XXXX/2016 regular monthly payment based upon the correct, lower principal balance as of XXXX/XXXX/2016. In addition to giving me no credit for my principal payment, the XXXX/XXXX/2016 paid too much interest and not enough principal as a result of this error.
Consumer complaint received 2016-09-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had line of credit with bank of America. 
I requested some document under Act ( FDCPA ) to send all this information but XXXX XXXX XXXX XXXX XXXX saying on email this loan was sold to XXXX XXXX and not providing any document. I have court date with XXXX and Bank of America is my original creditor. I do n't have any sign contract with XXXX. still I send the requested to them but I did not send me any is bein more then XXXX date.