davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I am submitting a formal complaint against my mortgage company Pennymac for false claims that I owe them personal property tax that was already paid from my escrow account last year. Per my tax return statement from Pennymac & XXXX was paid in personal property tax to the county and I had an ending balance of {$810.00} in my escrow. I had no negative balance reported. So it is no way I owe them money and there were no double payments made as they are claiming. My mortgage payments were XXXX, which includes the escrow amount. Now they are charging me {$3600.00}, which they providing a false explanation that my taxes went up to {$11000.00}, which my documentation from them and the county does not support. I was told that they are looking into this, but they already have the documentation from the county along with the information they sent to me. I feel like I am being scammed out of my money and I want it refunded and my account to be updated correcly.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-03-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I purchased a home in XX/XX/XXXX, through Bank of America. I made my payments on time every month. I then filed Chapter XXXX bankruptcy on XX/XX/XXXX. My mortgage payment was being paid through my bankruptcy plan on time. I sold my house in XX/XX/XXXX, in which Bank of America was paid in full at that time. My credit report is now showing the last reporting was XX/XX/XXXX and there are XXXX delinquencies showing.
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc. (MO)

I am disputing this alleged debt that is on my credit report. I have no knowledge of having a contract with this company. The credit bureau send dates but no signed copies of contracts or anything. Which is clearly not validation. In accordance with my rights under the Fair Debt Collection Practices Act I am hereby requesting that this collection agency provide formal validation of the alleged debt that they are reporting to the major credit reporting agencies on my behalf. In which I am not requesting a simple account summary.
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2017-02-07
Product: Consumer Loan — Pawn loan
Issue: Lender damaged or destroyed property — 
Company: EZCORP, INC. (CO)

I pawned a heirloom ring with EZ Pawn, XXXX XXXX XXXX XXXX, XXXX, CO. I paid faithfully and on time for 10 months. When I went to redeem my property on XXXX/XXXX/17, I paid the remaining balance of {$300.00} and was then told that my ring was lost or stolen. The store manager, XXXX, stated that they looked everywhere for the ring, viewed security footage, and determined that a store employee must have stolen it! I was not offered a refund on my monies paid in, or compensation for the value of the ring. I was told to " go home, and wait 48 hours, and we will contact you ''. I was resolution.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (HI)

BB+T forced placed flood insurance on my mortgage which added over 60 % to the cost of my mortgage. I have since provided BB+T with proof that i did indeed have flood insurance and they have claimed at first they had received it, then afterwards claimed they did not have said proof. I have read online all about the banks receiving kickbacks from the insurance companys for retroactively buying insanely expensive insurance with zero risk to the insurance company or bank. Which brings me to the math, BB+T wants me to pay them over {$1600.00} a month for my mortgage which was just {$1000.00} a few months ago. The craziest part is that the flood insurance only cost me {$300.00} dollars to buy myself for the entire year. Thats {$25.00} dollars a month for me to purchase it myself, the bank wants over {$600.00} a month for the forced placed flood insurance. BB+T wants over {$7200.00} a year versus my {$300.00} a year flood policy. My house is not worth {$1600.00} a month, nor is my flood insurance worth over 7 grand a year. I honestly dont know what i will do, it would be cheaper at this point to take BB+T to court or at the very least sell the house. I cant afford to keep paying the bank this much money. I 'd just end up having to let the house fall into foreclosure if nothing happens which will most likely kill my XXXX in the military. Please, i really need someone 's help to get BB+T to take this insanely expensive forced placed flood insurance off my mortgage. I cant believe we live in a world where a bank can mark up something like flood insurance 24 times and expect the customer to just deal with it. I can honestly say the if i 'm ever able to purchase a house again any bank that has such shady business practices will not hold my mortgage.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I entered into a Mortgage application, loan # XXXX, with Bank of America XX/XX/2016. All documents and conditions were submitted and met in a timely manner. XXXX major conditions include paying off a $ XXXX car loan and obtaining a property appraisal for our current home in order to satisfy their rental property requires. In total we paid close to {$900.00} in appraisal fees. Our application was denied one day before it was scheduled for final approval. No one in the loan and underwriting department can give me an answer as to why my application was denied. A letter came in the mail three days later with an bogus excuse that my loan was denied because the bank can not verify my residency. Although all my document submitted reflects my home address : tax returns, property tax statements, bank statements, passport and mortgage loan statements. No other details were provided on how they reached their denial decision. At this point I 'm out {$900.00} in appraisal fees and the mortgage rate has gone up by .25 % ; I 'm scrambling to get a extension on my purchase contract and shop for a new loan. There are no recourse for me as borrower and no repercussion for the Bank when they pull a stunt like that.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent XXXX an FTC report in order for them to remove the inquiries that I did not authorize but they have not complied. I was told it was because they dont have my id and ss card which is not true because I have sent it to them via certified mail several times.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I've been banking with Chase for over a XXXX. Recently my account was hacked and {$1400.00} was stolen from me. I spoke to a representative who assured me that the funds would be reimbursed and they did reimburse me but only partially. I went to a branch and got reinbursed for the rest of the funds. After about a XXXX Chase pulled the funds that it reimbursed me stating that i was the one who withdrew the funds. I told them to check thir ATM footage and they will see that it was not me but they stated that there was nothing they could do. I went back to the branch and gave them proof that it was withdrawn using XXXX XXXX  and i have an XXXX phone. They reinbursed me again but only a week later they pulled part of the funds again. I went back in and Spoke to the manager XXXX who spoke to the corporate and got reinbursed again. Today i check my account and they pulled XXXX XXXX back again so i am at the bank waiting to speak to someone to see what is going on here. Everytime they pull funds it's for a different amount. I am ready to close my acount because i do not trust chase anymore.
Consumer complaint received 2016-09-20
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MD)

When my mother passed away recently, I found a C.D. Receipt from XXXX XXXX for a deposit in the amount of {$5000.00}. The deposit was made in my name and the account title bears my name. The deposit was made on XXXX/XXXX/XXXX and was for a 7 month C.D. that was designated to be continually reinvested at maturity ( XXXX/XXXX/XXXX ). 
The FDIC records indicate that XXXX XXXX had the FDIC Certificate # XXXX, and that the bank changed its name to The Chase Manhattan Bank on XXXX/XXXX/XXXX, and then changed its name again to JPMorgan Chase Bank on XXXX/XXXX/XXXX. JPMorgan Chase Bank holds the same FDIC Certificate ( # XXXX ) that XXXX XXXX did. A copy of the FDIC records indicating these changes are attached to this complaint. 
At the suggestion of a very helpful individual in the Consumer Financial Protection Bureau, I investigated the issue by first going to the branch that I used at that time in XXXX. The branch manager said that he was unable to help. I tried to do the same thing at XXXX other branches to no avail. 
Based on the statements of the branch managers, I contacted the Office of the New York XXXX XXXX 's Office of Unclaimed Funds. One account was listed in my name and it was not the XXXX XXXX CD account. A copy of the NY Comptroller 's form is attached to this complaint. 
I then called Customer Service for Retirement Accounts & CDs and was told that the office handles only retirement CDs. I was then referred to the regular consumer call line to make another inquiry ( I had already made at least XXXX inquiries on prior dates with no result ). I explained the situation to all supervisors that I spoke with ( on XXXX/XXXX/XXXX ), and was told ( in quite a rude fashion ) that the bank throws out all records of accounts more than 7 years old and that I had no recourse. It was at this juncture that I contract the Consumer Financial Protection Bureau. I am attaching a scanned version of the original CD XXXX from XXXX Bank.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been requesting Bank of America remove PMI from my account for over 5 years. 

I was told my account was eligible but the letter stated Bank of America needs a property valuation with a fee of {$100.00}. 

I paid to overnight a check in the amount of {$100.00}. On XX/XX/2023 I called Bank of America about PMI removal and spoke to someone named XXXX in PMI department. 

To my surprise He advised that regardless of what the original letter statedit was no longer valid because it had been more than 30 days. 

No where in that original letter does it state This letter is valid for 30 days. Or the customer must send the payment no later than 30 days. 

This is unfair to consumers and should have been disclosed. It appears now the process will be delayed once again. 

How much money is Bank of America making by holding these PMI payments for years by setting up these road blocks and delays to avoid deleting PMI.
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (TX)

They are calling my parents leaving messages that they will put a warrant out for my arrest and leaving voicemails on my phone that they will be sending someone to my house. I 've never received any papers from these people. They call from different number to my parents phone. One is XXXX and he left the name XXXX XXXX and the other is XXXX XXXX and her number is XXXX. XXXX XXXX asked me how do I pay my bills without a job and I said through the grace XXXX and she started insulting me and my religion.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

XXXX CFPB can not do anything. I think FTC has to involve on this matter. I have sent my Identity theft has happened in XXXX no action on freeze my account. XXXX has closed case that XXXX as freeze my account after 5 Years ... on XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as 1 inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The payment history for the XXXX XXXX XXXX XXXX account is not accurate and incomplete. This account was opened in XX/XX/XXXX, but the payment history is missing from XX/XX/XXXX to XX/XX/XXXX. Also, this account was reported late in XX/XX/XXXX and XX/XX/XXXX, which is inaccurate. Due to a billing error caused by a physical address change, this account was not late in XX/XX/XXXX and was closed on XX/XX/XXXX, making this account closed in XX/XX/XXXX, not late in XX/XX/XXXX.
Consumer complaint received 2023-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank Usa NA. XXXX XX/XX/XXXX, Closed XX/XX/XXXX. 
Account Number : XXXX It has been years since this been on my credit report for XXXX XXXX XXXX XXXX. The charges of XXXX, That was not authorize by me. My card was stolen. This is unacceptable. Please remove.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Navient is servicing both my federal student loans, as well as a private loan obtained while I was an XXXX. Due to my limited income as an XXXX, my federal loans are being repaid through the Income-Based Repayment option and they are current. However, my private loan, which initially totaled {$31000.00}, is now more than {$80000.00} as a result of usurious interest rates ( 10.75 % ) and numerous forbearances granted while in graduate school. On XX/XX/2017, Navient agreed to lower the interest rate and reduced my monthly payment to {$340.00} per month for 18 months. My account was automatically debited for two such payments ( one in XX/XX/XXXX and another in XX/XX/XXXX ). Without warning or explanation, Navient increased the payment to {$1800.00} per month on XX/XX/XXXX - more than I actually earn each month. 

Navient 's approach to loan servicing is disingenuous and borders on fraud. These practices have been well-documented by the CFPB and forms the basis of the Bureau 's recent legal action against Navient. I sincerely hope that the CFPB continues to pressure Navient, through the courts, to cease and desist in these fraudulent practices and that those of us who have been injured, despite our good faith efforts to resolve our financial obligations, finally receive just remedies.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.