davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America approved a short sale, which did not sell. The next course of action is a Deed-In-Lieu, but Bank of America will not return nor answer any of my calls, leaving me facing a pending foreclosure.
Consumer complaint received 2016-11-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (IN)

We filed to have a modification back in 2013. Our FHA loan was through Citimortgage. 
HOPE after a year and a half, lowered our payments {$26.00} and because we were told not to make payments, Citimortgage reported us late every month. Screwing up our credit but then making us sign a paper saying we had to then pay {$11000.00} back when the mortgage was paid off or the house was sold. etc. I asked for an itemized statement for the {$11000.00} in charges and I still can not get one.From the HOPE ( HUD ) that did our modification. Why should I pay that back when they really did nothing but take what we were behind and put it to the end of the mortgage ( which Citimortgage should have worked with us on ) and now we have to pay it back? Our credit is wacked, they lowered it a measly {$26.00} and we now have a {$11000.00} note when we sell our home?
Consumer complaint received 2016-05-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

In XXXX XXXX I turned in lease of a XXXX XXXX XXXX. The car was washed and they sent me a bill for XXXX {$900.00} to clean up. I did not pay. later they put they amount on my credit report, and as of XXXX they sent a XXXX to the IRS and a copy to me as this sum to be take as income when I filed my Fed taxes. I sent a copy of the form by letter to all the credit reporting agencies, and requested the account be adjusted and removed from file. It was done so several times by the reporting agencies but Toyota Credit electronically continues to accept the status quo. I wrote Toyota Corp. Credit requesting the file correction. Thus far no response.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: ENCORE CAPITAL GROUP INC. (HI)

I am a victim of identity theft and credit card fraud. The account from XXXX XXXX for {$1200.00} back in 2008 was not opened by me. Also, the account with MIDLAND FUNDING MIDLAND CREDIT MANAGEMENT INC for XXXX in the amount of {$2200.00} was confirmed by the creditor that they closed this account, no longer collecting ( pls see attached letter ) and notified XXXX, XXXX and XXXX to DELETE this account on my credit report. It has been 3 months since then and it is still in my credit report. I want it DELETED.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

The private client group closed XXXX of my accounts, which was linked to my other accounts, without notifying me and sent the balance to XXXX XXXX XXXX XXXX XXXX. Thus far, I have been unable to locate the funds through unclaimed funds. The banker blamed the back office for the fact I was not notified this was going to happen and the fact they did not move the funds to my other active accounts and instead sent them to unclaimed funds.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

On XXXX XXXX 2016, I went onto the XXXX website to check my credit report and found, once again that Ocwen Loan Servicing has failed to report accurately to the credit bureaus. This has been an on going issue with Ocwen Loan servicing! Per XXXX, Ocwen failed to report to XXXX and possibly the other credit reporting agencies that we were current for the months of XXXX, XXXX, XXXX and XXXX 2016. Per Ocwen Loan Servicing website, it clearly reflects that Ocwen received XXXX 2016 payment on XXXX XXXX 2016. Ocwen also received XXXX 2016 payment on XXXX XXXX 2016, XXXX 2016 payment on XXXX XXXX 2016 and XXXX 2016 payment on XXXX XXXX 2016. Per Ocwen credit history report on us, it clearly reflects that Ocwen is reflecting for XXXX 2016 a " XXXX '' which means no payment history available this month! As you can see, this is inaccurate! Per Ocwen credit reporting on us, it clearly reflects the last time Ocwen reported to the credit bureaus which was on XXXX XXXX 2016. Now, Ocwen has failed to report and report accurately. As you can see with the attached documentation that Ocwen Loan Servicing failed to report accurately. Note : we recently tried to apply for a second home mortgage in Utah but with Ocwen failing to report accurately, this caused our bank to increase our rate from 3.85 % to 5.75 %. Our bank did not know if we paid Ocwen Loan Servicing for those months or not! By Ocwens actions, it can cause us to be denied credit or to have a higher interest rate.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a letter regarding an MBNA credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.
Consumer complaint received 2021-07-21
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2019-12-12
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: EQUIFAX, INC. (CA)

Upon Reviewed my credit file, it appears there is a XXXX Collection in the amount of {$210.00} that have already settled. It Reappear in my credit files after it was already settle with the creditor.
Consumer complaint received 2016-05-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Lexus/Toyota mistakenly sent my account to collection for {$400.00} ( for a missing key ). I returned all keys when I turned in my vehicle to Lexus dealer at end of lease on XXXX/XXXX/XXXX. Lexus then confirmed from paperwork that was sent from Lexus dealer on the day I returned the vehicle that it shows XXXX keys were returned to Lexus dealer by me so Lexus waived {$400.00} from my account. Lexus then issued a letter on XXXX/XXXX/XXXX ( as attached ) that shows XXXX balance per my request. 
I contacted Lexus the day I received a collection letter ( please see attachment ) and asked them to remove the collection since it 's invalid debt ; I have XXXX balance per last letter that Lexus sent me, and they refused to make correction of their own mistake.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (ME)

There is an address on my credit report where I have never lived., XXXX XXXX XXXX, XXXX XXXX XXXX , Me, XXXX. There is an incorrect birthdate on my credit report of XX/XX/XXXX. /There is an incorrect spouse named XXXX on my credit report and I have been divorced since XX/XX/XXXX and also he is dead. There is an incorrect social security number of XXXX on my report. There are several Misspellings of my name due to typing errors that I want removed. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. wrong phone numbers on credit report. XXXX, XXXX, XXXX.
Consumer complaint received 2016-11-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION (VA)

I took out a loan for US {$13000.00} from Sallie Mae to pay for my first year of XXXX tuition at XXXX and, after the semester started, requested a refund of the small cash difference. After much argument and delay, XXXX 's sent me a refund. However, there is still roughly US {$340.00} missing and unaccounted for, despite my formal XX/XX/2016 complaint [ attached to this CFPB complaint ] to XXXX ( who had no response ), the Department of Education ( who had no response ), and Sallie Mae ( who claimed it 's not their problem ). 

At this point, I consider the money missing/stolen, yet I am still paying interest and principal on these missing funds. Moreover, the " it 's not our problem '' approach from Sallie Mae -- my lender -- is as wildly unacceptable as the non-response of XXXX 's to inquiries from both myself and Sallie Mae.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

My loan has been transferred to several different companies. It seems that after I make a payment arrangement with one company, once they have made their $ XXXX- {$4000.00} fee, they sell it off to another company. Now I have paid my balance down because I had been paying on the loan for about a year or so and when it gets sold off, the new company tacks on their fees and my balance gets pushed right back up. I 'm spending my time and money paying fees but the loan does n't come down. I just signed into Navient 's website to get my tax form to see a note that I was 18 payments behind and had been charged a late fee. Well, Navient is taking the money out of my account every month, so how am I missing 18 payments? They have the wrong bank account as well. I went to school for 1 1/2 years and XXXX has really jammed me up. The had me listed for some many loans it was ridiculous when I went to the same school the entire time.
Consumer complaint received 2016-08-10
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: KEYCORP (OR)

Received a {$50.00} check drawn on Key Bank ( routing # XXXX ) which I presented for payment XXXX XXXX, 2016 in their XXXX, OR branch. They refused to honor/cash the check unless I paid a {$5.00} fee. Is this legal? 
I deposited the check into my financial institution.
Consumer complaint received 2016-11-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

Prior to our involvement on this file, the borrowers sought a loan modification XX/XX/XXXX. The modification trial planned payments were unaffordable and the modification was denied. After nearly two years of mediation with no success, the borrowers came to us to facilitate a successful short sale. Since we have begun working on this file XX/XX/XXXX, Ocwen has scheduled XXXX foreclosure sale dates and cancelled each of them. The offer was sent in XXXX/XXXX/XXXX and Ocwen confirmed receipt. Following this confirmation, Ocwen then denied having the package on file XX/XX/XXXX insisting that we were wrong. We resent the package again on XXXX/XXXX/XXXX. We were told multiple times XX/XX/XXXX and XX/XX/XXXX that the file was still in loan modification and they were working on getting it denied. 

On XXXX/XXXX/XXXX, we were told that the documents were under review for short sale by XXXX XXXX. Three days later on, XXXX/XXXX/XXXX, we were told that the file was not in Short Sale Review and was instead still in Loan Modification review. The representative at Ocwen told us to have the co-borrower sign a Quit Claim Deed for the property and that they would continue the modification review without her information. The recorded Quit Claim Deed was sent into Ocwen on XXXX/XXXX/XXXX. 

The file was escalated on XXXX/XXXX/XXXX and was with the underwriting team with no new documents requested at that time. The third foreclosure sale date was put on hold and Ocwen was processing the file without the co-borrower 's financials the following day, XXXX/XXXX/XXXX. 

However, on XXXX/XXXX/XXXX, Ocwen demanded the financials again and let us know that the file was in review for Loan Modification - again. The Request for Mortgage Assistance was sent in several times, each time requesting short sale and acknowledging the vacant status of the home. 

While we respect the policy of the FHA reviewing for loan modification, we see no point in continuing the process for several more months when the seller has attested to its vacant status. The vacant status has also been verified via the BPO report. 

The submission of retention denial letters, a removal of a borrower from the title, and the vacancy status of the home should all warrant automatic denial of the loan modification.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

I am writing today in regards to my account with Barclays Bank Account # XXXX The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021. Due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (VA)

- I opened an Amex credit card account in XXXX XXXX with offer to receive bonus XXXX XXXX if made $ XXXX in purchases in the first XXXX billing cycles. I did this as planned to make several purchases on XXXX over next 2 years with major life events happening. 
- My XXXX app is updated monthly ( around XXXX ) and shows amount of spend. 
- I called AMEX on XXXX at XXXX from XXXX to ask if had met my spend requirements or needed to make more purchases. Agent confirms I have met spend requirements. I thank her and move on using my normal credit card for purchases. XXXX call log shows call duration of XXXX min, XXXX sec - In XXXX I noticed my spend level on the XXXX app shows XXXX $ 3XXXX ( report date as of XXXX ) - I called AMEX on XXXX at XXXX from XXXX and speak to XXXX XXXX because had n't received XXXX credit when looking to book another XXXX trip XXXX She advised I had n't met spend limit, which is why credit was n't received. I advised of call in XXXX, she says no record of it and will submit request to retrieve call so could confirm what agent said/did n't say to me. She advised to give them a week to research. XXXX call log shows call duration of XXXX min, XXXX sec - I called AMEX on XXXX and speak to XXXX ( agent ID XXXX ). XXXX advises me that I already received credit and used it ( XXXX different XXXX redemptions I made ). I advised him those are not the same thing. He researches and then says I did n't meet the requirement, I had only spent $ XXXX dollars which was why I did n't receive credit. He said could open an inquiry into issue. I advised last agent had done that. He advised appear to have happened. I at this point ask for supervisor. 
- Call is transferred to Supervisor XXXX ( agent ID XXXX ). I provide synopsis of above described events. She looked and does n't see any account notations or record of call from XXXX. She sees inquiry opened for retrieval of call from XXXX. We surmise this to be a system date and tied to the inquiry I had made prior date. That inquiry is not complete and she is not certain who it has been assigned to for review. She reviews account and advises I had only spent {$1600.00} towards the min $ 2XXXX requirement and that was why XXXX credit not issued. She states that Marketing department makes no exception, even if AMEX agent made error in settling these issues. At this point I terminate call and advise opening CFPB complaint for XXXX review as AMEX had advised me of A ) financial actions taken on the account that were not fulfilled or fulfilled incorrectly and B ) engaged in an act or practice involving a representation or omission that is likely to mislead a reasonable consumer like myself in a material way. 
- It 's clear that AMEX agents are having a hard time answering basic inquiries here. From initial agent telling me I had met spend requirements, to subsequent agents telling me I had spent various amounts ( never the same ) or telling me I had received credits when it was clear I had not. 
- All I want is my XXXX. Seems their rewards process might need review as well.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

I had old child support deleted from all XXXX credit bureau they are more then 7 years old now equifax has now put it back on my credit report within 7 days. they are just doing what they want with my credit report
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (NY)

I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with Cavalry Portfolio Services LLC. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. 
Reference Number XXXX Court Circuit Court Date Contact details provided is : XXXX XXXX, GA XXXX XXXX -- Status Filed Amount {$2100.00} Classification Legal Item Type legalitems
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We had a Capitol One Credit Card. My wife had XXXX, and we realized we were over our heads with credit cards, so we turned them all over to XXXX. It has been great, all show current on our credit report, except for Cap. One. They refuse to change their status to closed, they show they utilize 43 % of our income, so we can not get a home loan from anywhere. They say their policy is to show it open and late until it is paid off in full. Their balance is over {$400.00} and we can not pay it in full right now. They kept us from getting a bank home loan and a USDA home loan, I have spoken to everyone I can get to at their offices with no help. They wo n't change it, even though they have been paid their required payment each month for almost 3 years on time each month. We are in our XXXX. We live in a small rental trailer that is very old with a lot of issues that pose problems to our health, well being and finance. We want a small home of our own. When we applied to USDA the first of this year, we were turned down because of this one account. They refuse to show that they have been paid and are being paid through the consumer credit service.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I qualified for proptery tax postponemt, but the servicer said that they were not particpating in the program, even though it was a state bill passed by the CA assmbly ... I have already had my first installment covered, but now am up in the air??
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL (CA)

I have XXXX jobs where I work part time at both. I have went into work with a message that XXXX company is looking for me and I need to give them a call back. Then couple days later but same week is when I have receieved a letter stating that my collection was now assigned to a new collection agency ( XXXX company ). An attempt to collect letter. They have not call me or if they had, they were no message from this company. I was told at work they had call my work multiple times and now they are calling my fiancee. I do n't know how they even got his phone number! So they are making the biggest attempt to contact everyone BUT ME for my debt! My phone number have been the same since 2008. I have never ever felt so embarassed and harrassing. I felt like my own personal business is spreading because of this company. Many coworker are asking me what 's going on ...
Consumer complaint received 2016-05-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I paid an extra mortgage payment towards the next month in addition to the current month so I would always be one month paid in advance. Every year when a escrow adjustment is made to my mortgage payment that extra payment disappears and I am sent bills for the current month. I specifically called wells fargo bank and told them I did not want to put the payment towards the principal but to the future months payment. They put the payment against the principle so I am NOT paid a month in advance after all. Then to make matters worse I get XXXX stratements per month confusing me even more. They take advantage of XXXX and hope they can not keep up with the billing and duplicate billing.statements