davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

After a prior complaint weeks ago to the CFPB, boa acted like they would send me a quote and let me reinstate. Now I see they are going to foreclose on me tomorrow, XX/XX/XXXX at XXXX. I am able to pay, but boa seems not to want to let me pay. They are trying to trick me into foreclosure instead of letting me pay. Please help!! 
This is retribution for my earlier complaint. I can pay if given the chance!!
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE NEVER SIGNED A DOCUMENT TO RUN MY CREDIT FOR A HOME MORTGAGE LOAN, THERES A INQUIRY FOR XXXX XXXX CA XXXX ON MY CREDIT REPORT WHICH I DID NOT APPROVE OF, I CALLED THEM THEY SAID THEY WERE GOING TO FIND OUT WHO RAN MY SCORE, I HAVE NOT GOT A CALL BACK ITS BEEN OVER 10 DAYS AND WHEN I CALL NOBODY KNOWS WHAT IM TALKING ABOUT. I NEED THIS INQUIRY DELETED FROM MY REPORT
Consumer complaint received 2016-05-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (CA)

Sallie Mae harrasses people to no end. I have paid my student loan in full and yet they have continued to call me and my cosigner. I was a few days late, but I paid my entire XXXX bill instead of the minimum. They have continued to call every hour on the hour today. I have had 5 calls since I paid. I have called and they say there is nothing they can do. They need to update their systems so that after you pay you stop getting calls from them. This is harassment of my cosigner and I and I am considering a lawsuit.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We have had XXXX remodifications in the past. XX/XX/XXXX we made timely payments. XX/XX/XXXX we missed a few months ' payments. When we got our tax return we were able to pay down {$2000.00} on an over {$4000.00} balance. This stopped any acceleration. We then made over our monthly payment for several months in XX/XX/XXXX. XX/XX/XXXX we got our monthly statement which included our monthly payment due and the total amount due to bring us current. We spoke with a representative on XXXX XXXX and she assured us that if we payed that amount of money via XXXX XXXX or overnight cashiers check that we would be current, all acceleration would stop and we would not have a payment due again until XXXX XXXX. On XXXX XXXX, XXXX {$3500.00} ( the exact balance ) was paid by cashiers check in a Bank of America branch as an epayment. 
Today on XXXX XXXX I got a call stating we were in foreclosure that they did n't have record of the payment and that if they payment showed up it would be rejected because we now owe the foreclosure fees as well. We did exactly as we were told - choosing the electronic route at the bank because it was faster than an overnight payment and we are being punished!
Consumer complaint received 2016-05-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NM)

I was denied a {$10000.00} credit loan with Wells Fargo. The reason given was that ; Amounts owed are too high relatve to your income. 

XXXX gave me a XXXX Credit Score, XXXX/XXXX/2016. With this very high credit score I believe that I have been discriminated because Wells Fargo has a history of denying loans to XXXX.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank refused to participate in the HARP program, which would have provided me a mortgage reduction that would have changed my property from its current negative status to one with equity. The alternative they offered prevents me from borrowing any money on my home or participating in a reverse mortgage program. They reduced it on this end, but they are holding me hostage through a balloon payment due in the future. The original mortgage was XXXX. They are reducing it by XXXX per year over a three year period. However, there is a XXXX balloon payment that will bring the mortgage back up to over XXXX which is all the house is worth. They postponed the debt ; they did n't erase it.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MD)

I have been working with Caliber Home Loans on a mortgage modification. I had requested a fixed rate mortgage but they gave me an adjustable rate mortgage. I think that their practices are predatory. I want a fixed rate mortgage. They also did not give me enough time to examine the mortgage modification paperwork. I received the paperwork Friday, XXXX XXXX and they required that the documents were received back by them by Wednesday, XXXX XXXX. I had wanted to appeal the modification to get a fixed rate and a more affordable payment but they purposefully did not give me enough time to review the paperwork or to have an attorney review the paperwork. When I called them requesting more time they denied my request and told me that it was " take it or leave it ''. I believe that this is is another one of Caliber Home Loan 's predatory lending practices.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2016 and XXXX XXXX was informed, yet after countless attempts they still refuse to report my account as open with a balance owed. I submitted a dispute to Trans Union on XXXX XXXX, 2016 and still XXXX XXXX refuse to correct the inaccurate information. I pay {$570.00} each month and my credit will never fully be restored if XXXX XXXX does n't correct the inaccurate information. Please HELP!!
Consumer complaint received 2016-05-10
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (IL)

I went into XXXX XXXX on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3, the dealership never disclose their relationship with Chase Bank. The dealership was in a rush to sell me a car. The salesperson XXXX XXXX called me everyday for about 2 weeks. I spoke with XXXX from Chase and she told me the dealership was suppose to tell me that I would have XXXX inquiries instead of XXXX. I wanted to get my private student loans consolidated but due to number of inquiries by this dealership, I ca n't do anything. This is unfair to me. The finance XXXX from XXXX never disclosed that it was a part of Chase. I am client of XXXX XXXX XXXX and they advised the dealership should have told me that. I had XXXX inquiries from XXXX, it also affected my credit score. I also sent over the inquiries to the general XXXX, XXXX XXXX as proof. I do n't think its fair because I really need to consolidate my private loans to get a good rate. XXXX misled me because they did not disclose all of the information to me. I was told by XXXX XXXX Firm where I am a client that XXXX inquiries is too many and will affect my credit for 1 year and the entries will not be removed until XXXX XXXX. This is causing me a hardship. Why did n't the dealership tell me about the relationship between XXXX and Chase. Like I advise before I did have a recorded conservation with XXXX telling me that the dealership should have told me this information. I was sent a copy of my permission to have my credit pulled but I never received an answer as to why my credit was pulled XXXX times and I was never told about it plus I was never told the actual loan was approved by Chase. I was misled by XXXX, I also have proof that XXXX XXXX, sales consultant for XXXX called me everyday for XXXX weeks ( I have a copy of my phone records ). I will continue to complain until this resolved, I have XXXX inquiries on my credit report. This is unfair.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) a nd a serious breach of my privacy rights.
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. 

In XXXX/XXXX/2015, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. This promotion was for Citi AAdvantage Platinuum Mastercard customer, which I am. The promotion was set to end on XXXX/XXXX/2015. Knowing that the application might not be approved before the XXXX, I had confirmed via phone with a Citi Bank representative on XXXX/XXXX/2015 that the application will be processed before the expiration date of the promotion, and that I qualified for the bonus offer of XXXX American Advantage points upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform 1 or more bill payments for 2 consecutive calendar months Similarly, I confirmed via phone again in XX/XX/XXXX, at activation of my account that I qualified for the promotion. This information should be discoverable as all conversations are recorded by Citibank. 

XX/XX/XXXX, after I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, it was confirmed again that I qualified for this bonus offer. I was told to expect points to be posted within 90 days, and to check back if this did not happen. I provided my AA number at the time in hope to speed up the process. 
On XXXX XXXX, I inquired again about the status of the promotion with Citibank. A service request was logged by customer services to open an investigation ( reference number XXXX ). 

On XXXX XXXX, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account, at activation, and after meeting the promotion requirements. I would not have open a bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. 

All phone conversations with Citibank are recorded and should be discoverable. 

I am requesting Citi to honor the set promotion and to waive all fees for this account until the points have been posted. 

XXXX XXXX. 

Attachment Screen capture of application Letter from XXXX XXXX at Citibank.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.
Consumer complaint received 2016-05-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MD)

I receive a retirement check of {$41.00} from XXXX bank XXXX New York. I did not receive it for the month of XXXX I contacted the bank and was asked to wait until the XXXX of XXXX which I did still did not receive it.I called today XXXX XXXX and was told it was cashed at the central bank in the XXXX.I am very upset this has never happened before. The XXXX bank wants me to wait for them to get the cashed check back before they do anything. I want to know how my check ended up in the XXXX XXXX when I live in The United States. This bank has had my retirement since I retired in XX/XX/XXXX so not having my address is not an issue I have received last months and the months before with no problem. It may not be much but it is mine. I want my checks on time as always.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TN)

I have received an incorrect XXXX for XXXX from Caliber Home Loans. The property was purchased on XXXX/XXXX/XXXX for {$56000.00}, paid on for 11 years and sold at a short sale for {$20000.00} on XXXX/XXXX/XXXX. I have authorized my partner to talk to Caliber in trying to resolve this issue to no avail. This has been going on since XXXX/XXXX/XXXX and here it is XXXX/XXXX/XXXX. We have called at least 3 times but have been given the run-around by employees and supervisors. We have talked to Customer Service and Short Sale Department, but no one was willing to listen and re-send a corrected XXXX. We asked Customer Service to send us an itemization of how they came up with the {$100000.00}. We finally received the information requested a month later and quickly discovered the error made by Caliber. The amount written off on XXXX/XXXX/XXXX was {$52000.00}, and it was also written off on XXXX/XXXX/XXXX in the amount of {$53000.00}. Then, the XXXX were added together to total {$100000.00} which is supposedly the amount of debt canceled by Caliber. When I explained this to Customer Service who then explained to her supervisor, the response was they did not write the loan off twice and that the $ XXXX was fees and actually hung up on me. This is totally bogus and should be corrected immediately so we can file our XXXX income tax return. I have attached a copy of this itemization and underlined the errors along with XXXX XXXX. 
I will not be able to testify at a hearing because I am the XXXX for my wife who was XXXX and would not be able to travel to XXXX, TX. 
I would like Caliber Home Loans to overnight a corrected XXXX for XXXX. 
I can not file XXXX income tax return until this is settled. I would like Caliber to over night the corrected XXXX.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The collection agency the account was on removed it from my credit report, but when i checked my report trans union still has it as a open account.When i called them she said the collections had not gotten a hold of them, ( which they had ), and that once they did it would take a month for them to take it off my credit report. Why??? I do not understand why it takes 30-45 days to take a account off that never should of been sent to collections in the first place? I do not have a month-45 days to wait.My mom is XXXX and i need to get myself set up in a apartment,
Consumer complaint received 2017-06-05
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. (IL)

I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from  XXXX . I asked for written verification as well as signed contracts with my signature for   XXXX   ... there were  XXXX  accounts on my report for  XXXX  in which  XXXX  were deleted yet  XXXX  remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from   XXXX   XXXX   XXXX  ,   XXXX    XXXX   XXXX  SERVICES AND  XXXX   XXXX  SYSTEMS on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Transunion and XXXX are reporting a new account open as of XXXX XXXX from XXXX XXXX. The account was open XX/XX/XXXX and the payments are almost over not just beginning. I have contacted XXXX XXXX and the were very helpful and said the would call the reporting agencies and see why this mix up happened. My credit score with both of these places has dropped XXXX points due to this and again - I am having to dispute incorrect information on my report. I have contacted both agencies and Trans Union sends me of a copy of my report. I do not need yet another copy of my report. I want to know if this is what is lowering my score as there is not ONE change on my report other that this mis reported item I need specific details not an innacurate copy of my reportI am getting very frustrated with all XXXX of the reporting agencies for their failure to not only report correct information but for also their lack of diligence to fix the errors. I have been working on my credit for over 5 years and find this extremely frustrating and feel there should be legal recourse for these issues.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

XXXX   XXXX   XXXX  which I paid monthly since   XXXX   XXXX   with assistance for this issue in the amount of {$250.00}. As of   XXXX   XXXX   XXXX   I completed the modification which began on   XXXX   XXXX   XXXX   through   XXXX   XXXX   with making monthly mortgage payments in the amount of {$770.00} ( to  Rushmore Loan Management Services )  signing off on the papers on   XXXX   XXXX   XXXX  , with  XXXX   XXXX   XXXX  and sent to  Rushmore 's  Counsel ( unsure of the name of the counsel located in  XXXX   XXXX .  XXXX  ) I have n't received the final copy of the executed modification documents, nor their dismissal of the foreclosure. In addition, and just as concerning is the fact that the payments were made on time and they keep reporting late payments to the Credit Bureaus. Most recently and just as alarming is the bill I received in the mail from  Rushmore Loan Management Services  is for a monthly payment of {$2500.00} due   XXXX   XXXX   XXXX  . When I signed off on the modification documents the payments went from {$770.00} in the modification trial period to {$750.00}. Even with the payment of {$750.00}, I have continued to pay {$770.00} per month to help lower the principal balance due on the mortgage. I have read numerous reviews how  Rushmore  continues to place further hardship on their customers under the foreclosure process. I felt by seeking legal counsel I could possibly be devoid of their stressful hindering tactics. It has been a total nightmare from the mediation with both counsel 's ( mine and  Rushmore  's ) to the insurance incident when I had to call the police and file a report on their insurance person who came out to assess the leaking roo f )  horrible informed my neighbors and called them constantly informing them of my mortgage status which was extremely embarrassing. I was told by a representative of Rushmore, they do n't take it lightly when you get attorney 's involved and tried to get me to get rid of my legal representation. In the final documents Rushmore 's Counsel had placed a clause stating I would not be able to seek counsel after finalizing the documents. I desperately need your help. This process has been extremely costly and painful to say the least. I was referred to your office through Senator  XXXX    XXXX   XXXX   office.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX of XXXX a mortgage broker and countrywide sold me a fraudulent loan prior to closing the broker explained the terms of the loan wold be 7.25 % interest and would adjust to 8.25 % later after closing I found out that the loan adjusted every 6 months to 14.75 % interest in XXXX of XXXX my house went into foreclosure do to the adjusting interest rate that I could not keep up with.
Consumer complaint received 2016-05-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FirstPoint Collection Resources (NC)

i have XXXX accounts that this company has me listed as having that were from my idenity being stolen ... this company knowing this information is from a fraudulent source has continuted to hold these accounts with their company and report them as well evem try to collect on them