davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

We previously submitted complaint XXXX with our mortgage company Bank of America in XXXX 2015. We received a response, had a new Customer Service Manager assigned and were told to continue to make payments since our account was not foreclosed. We have not missed a payment in 6 months. We were also advised that if we had a change in circumstances, we should contact our manager to discuss alternate options available. To this date, I have attempted on multiple occasions to reach XXXX XXXX or someone in his office and have received no return calls. We received a letter today stating our account was being referred to foreclosure. Again, I called XXXX XXXX to call to discuss this letter and received his voicemail. I am extremely frustrated by the lack of communication we received prior to opening this letter. No additional options or attempts to contact us from their end were made.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I applied for assistance in saving my home with my servicer SPS. I hired an attorney to assist me with the process. On XXXX XXXX, 2015 I was denied for a loan modification. However, the lender missed part of my income in the review. My denial letter offered me 30 days to appeal the decision. My attorney submitted an appeal in writing to SPS on XXXX XXXX, 2015. I have attached the email confirmation showing my attorney sent the appeal and all corresponding documentation on XXXX XXXX, 2015 at XXXX. I have also attached my attorney 's internal notes where they called and confirmed my appeal was received and under review on XXXX XXXX, 2015 at XXXX. SPS issued me a letter on XXXX XXXX, 2015 ( See Attached ) - letter dated XXXX XXXX, 2015 - stating that my appeal was denied due to the appeal was not received within the 30 days after the denial. My attorney contacted SPS and SPS states that they are refusing to review the appeal because they did not receive the appeal in the 30 day period after the denial. My attorney advised them we have confirmation the appeal was in fact received by them on XXXX XXXX, 2015 at XXXX. SPS states their computer system takes up to three days for it to show up on their side so that was after the 30 days was up and therefore they are not willing to review the appeal. My attorney advised them that simply because their IT department decides to hold up all electronic correspondence for three days does n't mean they can use that as an excuse to evade review of a validly submitted appeal. SPS is unwilling to consider my appeal. My attorney states they are in violation of Respa Reg X ( 1024.41 ) and are in fact evading review. Please enforce any penalties against SPS for violating this Respa law. This is not only unethical they would hold my application for appeal past the appeal date, but it appears to also be illegal.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2015-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

We filed for chapter XXXX and our home was not included. It was discharge XX/XX/XXXX. I called SPS in XX/XX/XXXX to discuss our options ( short sale, deed in lieu, etc. ). The rep stated, since we have children we could get {$3000.00} for moving expenses. On the advice of our attorney, he said to call the opposing law firm ( XXXX ) to find out the sale date of our home after XX/XX/XXXX. I called them on XX/XX/XXXX and left a message asking for this information. No one ever called back. I checked with my attorney and he was unable to find out when the sale date of hour home would be. On XX/XX/XXXX, we received a registered letter stating our court case would be XX/XX/XXXX to confirm the sale of our home! Talk about no notice!!! Three weeks??? Plus, no one would let us know the sale date. I called SPS and they said that we were not eligible for the {$3000.00}. They said because the sale had already taken place. What? I asked why this was n't explained in fall. The CSR said I should have provided a contact number. I replied, " Why did n't the CSR ask for XXXX in fall? Plus, SPS has our mailing information. They could have mailed it if they did n't have the phone number. '' The CSR blamed me for not following up. I told him, " I have never been through this process before, so how would I know? '' He said it was still up to me. Due to the short time frame, we have no place to go to and will be living in a hotel. We have XXXX children and XXXX of them are XXXX. I ca n't imagine how this could have been made any more difficult than it has been. Coming off of a chapter XXXX, we are cash poor and desperately need this money to sustain us while living in a hotel, to cover moving expenses, and to set up residence elsewhere.
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NJ)

My complaint is with XXXX XXXX service. I was under contract with them to pay {$120.00} per month for bundled service ( TV, internet, phone ) through XXXX/XXXX/15. This past XXXX, XXXX changed their billing system and, because of a " glitch '' in the new system, I began to be charged {$210.00} per month. I have made repeated attempts to resolve this issue by phone ( over XXXX hours on the phone ) and in person but have not been able to get it resolved. I grew so frustrated that I cancelled the service and tried to calculate what I thought I should pay. I forgot that the monthly bill is paid in advance so I actually have overpaid XXXX by more than {$100.00}. However, because of the billing system problem, XXXX continues to send me a bill for {$25.00} and just sent this amount to a collection agency. I have continued to call XXXX to resolve this issue ( ticket # is XXXX ) and been told several times that a supervisor will fix the issue and/or call me but none of their promises have been kept. Meanwhile, my credit will be affected by this since the bill is now in collection.
Consumer complaint received 2015-05-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a Reinstatement Calculation document from Bank of America with instructions on how to reinstate my mortgage. I sent a check to BofA which arrived at XXXX on XXXX XXXX, 2015. According to the Reinstatement Calculation document, I should be able to call anytime between XXXX & XXXX Monday through Friday. I tried calling today at XXXX to confirm that the check had been received by them. I called the phone number given on the document. I was sent to my account XXXX 's voice mail which stated that she takes calls from XXXX to XXXX. Her manager 's name was given as an option to talk with instead of leaving a message. However, his hours are XXXX to XXXX. I tried calling back and did not given the account number hoping I would be able to get someone that way. The automated answer was that I either needed the account number or the address and social security number so it could transfer me to the account manager. 

Bank of America 's document states, " If you have any questions about the information above or if you want to confirm that the funds have been received and applied to the loan to stop the foreclosure, please call XXXX, Monday-Friday XXXX. to XXXX. Local Time. '' This statement is incorrect as I tried this several times and the only person I could get to was the account manager 's voice mail. 

Please see attached document.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Allied Financial Group & Associates (Closed) (MO)

This company keeps calling and interrupting me at work, using profane language and not identify themselves besides breathing hard over the phone. I am scared that I might lose my job because I feel intimidated by their phone calls while I am at work and I am scared for my family and our livelihood.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (OR)

Unable to get a hold of business ( Progressive Management Systems ) who has reported information to XXXX about a medical debt that does not belong to me. I have contacted ( XXXX ) to clarify accuracy of debt, I was told they have No record of me at XXXX they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through XXXX but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a XXXX hospital or group as XXXX has told me XXXX has No record of me. What do I do?
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (OH)

I received a letter from Netspend bank with a debit card and checking route and account number on XXXXXX/XX/year>. However I never opened the account. They opened the account for me without my knowledge. 

I called the bank on XXXX I was told that as long as I don't activate the debit card, I'm good. That's a fraud. They opened my account without my knowledge.
Consumer complaint received 2015-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I have attempted to resolve a fraudulent account AWA Collection is continuously trying to collect on. I have submitted my dispute to the company and credit bureaus explaining that the account is fraudulent and a result of identity theft. I attached along my disputes to both credit bureaus and AWA a copy of my police report, identification, current utility bill, address and FTC ID Theft affidavit. AWA reporting this account on my credit profile has dramatically damaged my credit score and has caused me defamation of my character. This is not my debt, I did n't create it, was n't aware of it until recent and when I became aware, I immediately contacted AWA and the credit bureaus to make them aware and correct the fraudulent reporting and collecting.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

My mortgage loan servicing company ( LoanCare, a XXXX company ) website, www.myloancare.com has been down for days. 

I am simply attempting to make a a payment. This seems to happen often, usually around the end of the month. When I call the customer assistance phone number, I spend 30-40 minutes on hold, only to be told that website is fine. It is not operational, however, and I can not submit my payment. 

Please help! Thank you.
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (VA)

I had signed up for a site called XXXX, where you could by Bitcoins using your bank account. I stopped monitoring the account because I no longer wished to do business with them. Unbeknownst to me, my data/devices were compromised after using them on an compromised network ( my temporary place of employment has significant security issues ). Through this, someone was able to access my XXXX account, initiate thousands of dollars of purchases ( initially in small amounts, then larger ) and send the money out from the account without any additional verification being asked for by the provider of the service. 

I advised my bank, Simple.com ( attached to XXXX XXXX ), of this. I owned up to the initial few orders I placed with XXXX, knowing that this makes the proceedings more complex. They researched it and denied my claim, citing XXXX initially saying all the transactions came from the same single IP. I pushed them for details and documentation, but they provided nothing other than the notes of a phone call. They said they 'd research it again. The results of the research led to another denial that hinged, again, on the very same notes of a phone call with no real documentary evidence. 

They said that, since I authorized their use of my account for ACH withdrawals and never explicitly removed that authorization, that they had no ability to dispute the charges despite my indicating that I never authorized them. They sent me to the provider to argue my case for them to refund me, which I will report in a separate claim, but knew would n't be fruitful. 

Everything I 've found online suggests that even ACH withdrawals that are in dispute from a previously authorized third party are to be fully disputable. Simple says that is not the case. I asked them to provide their published ACH dispute policy and they said they did n't have one. I asked them why they do n't publish their policy when it differs from common practice ( like what the XXXX notes ) and was then told I 'd need to send all further correspondence through postal mail, as my account was closed ( they closed it because they acknowledged my account information was compromised, even when they said none of the charges are disputable or even appeared to be fraudulent ).
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (IL)

I called my credit card company because I was having problems registering online so I could see my bill and pay it. I spoke to customer service who had me verify my account and then they transferred me to technical support who had me verify my account again. Not wanting to go through a lot of hassle I told him that he did not have to assist me and that he could send my back to customer service. When he did they ask me to verify my account again. Frustrated I asked for a supervisor, and was transferred to fraud and accused of not verifying my account. I said that I did verify my account but I should not have to verify it 4 to 5 times on the same call. Besides I called to look at my account online not to get information about my account from anyone on the phone. I spent a lot of time speaking to fraud, a lady named XXXX who was having a hard time taking my complaint. She finally transferred me to XXXX who identified herself as a fraud manager. I again asked her how do I place a complaint. She was evasive and disingenuous throughout the call and she lied telling me there was only one way to make a complaint. She told me that she had documented my complaint and asked her how could she had if I did n't give it to her to document. I hung up after getting no where and called back for a supervisor to make a complaint. I got Someone name XXXX. Who verified me and told me there was a block on my account. I asked him if that meant I could not make a complaint. He put me on hold and came back with XXXX from Fraud. We went around in circles before she realized that this was n't a fraud case and she transferred me to XXXX who identified herself as an account manager. She told me that I could make a complaint to the office of the president and she gave me the address and she took my payment. All of this took about an hour and a half of my time. I do n't know if my account is still blocked but I want Citibank Office of the a president to know about disgraceful exchange with me so the individuals could b addressed for their poor customer service. No one should have to be verified 5 times on the same call.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (AZ)

Have Contacted CFPB in regards to Experian and they have chosen not to remove the information on the report. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX removed the collection. 
XXXX XXXX XXXX XXXX XXXX and XXXX Removed. Not my Account. 
XXXX XXXX XXXX XXXX. Needs to be removed. Never lived at the address. XXXX XXXX XXXX XXXX, XXXX, AZ. XXXX. Please remove. 
Public Records Federal Tax Liens are released since XXXX. 
XXXX XXXX XXXX Never had a loan with these people. Removed from XXXX XXXX and XXXX. 
XXXX XXXX XXXX Do n't have an account with this collection company. XXXX XXXX and XXXX removed. XXXX XXXX XXXX XXXX never had an account with this company, A collection that I had sent a 30-day verification notice to on XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. XXXX XXXX XXXX Never had An account with this company. sent a 30-day Validation notice. No response XXXX XXXX and XXXX removedXXXX XXXX XXXX Never had an account with this company. Filed a Complaint to XXXX XXXX XXXX. XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. 
Inquires that have no written authorization. Car Finance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Any and ALL Auto inquires were never made by me nor was written authorization given. I have been contacting CFPB since XXXX/XXXX/XXXX, Have received updates from the repositories. Honestly, I do n't believe that Experian is working in my behalf in regards to the Fair Credit Reporting Act. Nor the Fair Debt Collections Act. My Date of birth is XXXX/XXXX/XXXX, yet Experian keeps reporting a different date. My employment is XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX XXXX since XXXX/XXXX/XXXX. to the Present. XXXX. XXXX XXXX XXXX, Is not my Company. I sent Experian a copy of my Passport, social Security Card and Veterans XXXX card. As they requested. This is really getting to bring my XXXX down. I am trying to get a mortgage. I am a XXXX. My XXXX is being held by XXXX XXXX XXXX, XXXX Really need your assistance in this matter. If I need to will exhaust my administrative remedy and file a class-action suit if necessary.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

Experian is reporting a XXXX XXXX XXXX credit card acct # XXXX ( XXXX XXXX, I have disputed this information with both Experian and XXXX XXXX XXXX. Explain allowed XXXX XXXX XXXX to verify, as accurate without providing proper information. Additionally, XXXX XXXX XXXX verified within the XXXX days verification process ( without completing complaint I mailed XXXX ) XXXX XXXX XXXX later mailed me a letter stating " you have not provided enough information to identify the account ... '' XXXX! this is a deliberate attempt by XXXX XXXX XXXX to basically " play stupid '' All information was provided have copies of certified mailing and letter ( notarized ) to prove XXXX XXXX XXXX 's deceit. 
Additionally, Experian makes it IMPOSSIBLE to add a consumer statement. I paid for the Experian Tracker membership, but there is not a reasonable way to add my consumer statement. I have called XXXX times XXXX day of week at the number Experian provides during business hours and although I held on line for over XXXX minutes each time ( have proof of these calls and length ) I was unable to reach any representative. I tried in morning and later in days. Experian is again manipulating the law and spinning consumers. I have filed a civil suit against both Experian and XXXX XXXX XXXX, I am keeping meticulous records and I intend to subpoena through the discovery process of all internal training videos and policy 's to expose both these unscrupulous corporations. As both are in violations of numerous statutes and i certainly hope through the CFPB someone actually addresses this behavior.
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (LA)

Experian refused to provide free annual credit report through XXXX. No explanation given, simply we are unable to fill this request. 
The refusal screen provided the option to buy Experian credit report and scores. Experian is not meeting its obligation to provide a free annual credit report. 
Experian is deceptively using the XXXX website to sell their products.
Consumer complaint received 2015-12-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Messerli & Kramer P.A. (MN)

I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXXXXXXlimit card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX