davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I applied for assistance in saving my home from foreclosure. My servicer Nationstar Mortgage denied me for assistance on XXXX XXXX, 2015 and again on XXXX XXXX, 2015. Both times my attorney requested from Nationstar Mortgage my denial letter and the mandated NPV chart that goes with it. Nationstar has withheld the NPV chart and refuses to send it to me. My attorney states since I was denied for the Making Home Affordable Program ( HAMP Tier 2 ) and I was told I was denied due to NPV the servicer is required by law to give me a copy of the NPV chart. I believe I qualify as Nationstar has said my new payment could not be reduced by the amount required by the program. My attorney states this is not correct and Nationstar must be using incorrect figures. I feel as if Nationstar is purposely evading giving me this information solely to try and evade and block me from assistance I know I qualify for. They also are not sending me the denial letters until almost 30 days after I am denied. My attorney has to demand the denial letter just to get any copy of it and they basically try to keep it so I can not appeal the denial. My last loan modification request was denied on XXXX XXXX, 2015. Nationstar withheld the denial letter until XXXX XXXX, 2015 and they still have not given me the NPV chart. Tomorrow is XXXX XXXX, 2015 and even if they now give it to me they have achieved with holding it from me for the 30 day appeal period and now I can not appeal because they with held the information from me to be able to appeal. I think this is very disturbing and I may lose my home over their illegal actions.
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I became ill in 2009. I was XXXX. I was charged fees of over {$600.00} by Bank of America for a roughly {$100.00} overdraft. They say they had a contract with me. It is my contention that I could not honor the contract not could they engage in a contract with me because I was XXXX. I have since become XXXX and am diagnosed with XXXX.
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CO)

Our mortgage company, Seterus , Inc., recently changed their statement date. Because they allow a 15 day grace period for the mortgage due date ( which is the XXXX of each month ) we have our payment posted on the XXXX of the month. This is still considered a timely payment. But now, because they moved up their statement generation date to earlier in the month, the on-time payment made on the XXXX, does not make it into the statement period. The result is that every statement we receive shows that we are always a month behind in payments. If we needed to provide copies of our mortgage statement, they would show that we are always behind. It should be a fairly straightforward programming fix for Seterus to fix, but they refuse to do so.
Consumer complaint received 2017-01-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

MY 2ND MORTGAGE WITH Bank of America was forgive, but they fail to remove the CHARGEOFF FROM MY XXXX CREDIT BUREAUS. 
This is wrong and has severely damage my ability to rent an apartment. 
Because of this I am HOMELESS.
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

I placed a fraud alert on all XXXX credit reporting agencies due to the number of inquires seen on my credit reports. they sent me an email saying they had investigated and all inquires were correct, per the companies that posted the hard inquires, but they did not have adequate verification with my signature. i would like the hard inquires removed from my credit reports immediately, as they can not verify they were approved by me.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019 I used the Bank of America ATM ( Terminal ID : XXXX ; XXXX XXXX XXXX, FL ) to withdraw cash from my XXXX XXXX XXXX XXXX XXXX account. The transaction didn't go through. The terminal did't provide the cash or receipt. 

First, I contacted Bank of America starting on XX/XX/XXXX. They told me to contact XXXX. that's when the back and forth with both banks started. 
I received a letter from XXXX dated XX/XX/XXXX with a copy of the receipt for that transaction. I appealed that evidence. Yesterday I submitted a complaint against XXXX with your Bureau. Today I will like you to contact Bank of America. 

Bank of America : case # XXXX XXXX XXXX XXXX XXXX XXXX : claim # XXXX & # XXXX
Consumer complaint received 2016-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (GA)

On XXXX/XXXX/XXXX I received XXXX debt collection letters from ERC regarding XXXX debts to XXXX XXXX, XXXX. XXXX in the amount of {$990.00} and XXXX in the amount of {$760.00}. I received another collection letter from ERC on the XXXX/XXXX/XXXX for another debt in the amount of {$260.00}. I do not owe these debts. 

I have already sent, submitted a proof of ID to XXXX last year regarding another debt.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (OH)

My mortgage was recently sold from United Shore Financial Services , LLC DBA ( United Wholesale Mortgage ) to XXXX, XXXX. The sale was apparently sometime in XXXX as United Wholesale Mortgage stopped accepting payments as of XXXX/XXXX/16. All of this is fine, except they never notified me until after my XXXX/XXXX/16 payment was due. I have direct payments set-up and noticed my mortgage payment was n't taken out of my account on XXXX/XXXX/16. I looked on United Wholesale Mortgage 's website and found in the document center that I had XXXX page letter dated XXXX/XXXX/16 informing me of the transfer. I never received email correspondence of this or physical mail correspondence ( I did finally receive the note on XXXX/XXXX/16 notifying me of the sale ). 

I just received my account information as well as a bill for my XXXX/XXXX/16 mortgage payment yesterday ( XXXX/XXXX/16 ) from the new servicing company, XXXX XXXX XXXX, XXXX. My issue is the fact that I have a past due amount. I have never been late on a payment in my life and the fact that it will show up on my credit report as a delinquent payment is quite unsettling. The delinquent payment lies directly on the shoulders of the ineptitude of these XXXX companies. I have sent my payment today ( XXXX/XXXX/16 ) and it wo n't likely post for a few days.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I have been having an ongoing issue with Chase bank. Chase bank closed my account and applied overdraft fees to my account. After doing further research I reminded them that I have always refused their " overdraft protection '' and it would have been impossible for my accounts to have accumulated overdraft fees. After inquiring about these fees, I was sent a very intimidating letter offering me a settlement to pay off the fees at a discount, and threatened that I would never be able to open an account again, as well as threatening to harm my credit. Chase is practicing illegal banking procedures and I want to sue them and hold them accountable for their actions.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (WI)

I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: POPULAR BANK (CA)

I have already settled the balance that it is saying I owe ( {$250.00} ) years ago. As it is, there is no branch for me to walk into to settle this issue, and it is causing financial issues for me. I have already paid the {$250.00}. 28.
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP ()

Effective XXXX XXXX, 2014, Selene Finance LP took over my mortgage loan from XXXX XXXX XXXX. Since this time and to current date, I have been in dispute with Selene Finance LP regarding my mortgage payments. It is still unresolved even after multiple attempts and providing them with the proof of payment. My last bank statement included a delinquent notice that I am late on my mortgage payment and that failure to bring my loan current may result in fees and foreclosure.
Consumer complaint received 2017-03-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SIMM Associates, Inc. (SC)

A debt collector reached out to my brother in law, who I 've NEVER listed on a loan application as a relative, etc. requesting my contact information ( which they already have ). They explained that they were trying to contact me, or my father, and indicated that they are attempting to collect student loan debt. My brother in law has NO business knowing my personal financial matters, and the debt collector has no business reaching out and harassing him, on behalf of my personal finances.
Consumer complaint received 2016-05-09
Product: Prepaid card — Payroll card
Issue: Overdraft, savings or rewards features — 
Company: Neon Newco Corporation (MD)

On XXXX XXXX, 2016 Netspend has charged me XXXX {$15.00} fees on my account. I was only supposed to be charged a XXXX or XXXX {$15.00} fees not XXXX overdraft fees. Because I disputed and filed a complaint of these transactions they retaliated and turned off my use of using the Netspend overdraft protection program. I did n't asked to be removed from or suspended temporarily from the program. Your company needs to investigate Netspend Overdraft program because they 're taking consumers money. They tried to purposely over charged me for these fees. I am agreeing with the XXXX {$15.00} fee. 

I am going to post a small description from there website. what they say about there Overdraft Program, if a consumer decides to use it. 

You are currently opted-in to the optional Overdraft Protection service. Please note, you may only use this service if you are receiving recurring direct deposits to your Card account and your status is " Active '', meaning you have met the other eligibility requirements for the service. Please check below for your current status. 

Minimum Direct Deposit Required is {$200.00} or more every 30 ( thirty ) days. 
The following is the current program in which you are enrolled : Grace Period Time : 24 ( hours ) Overdraft Fee : {$15.00}, up to a maximum of XXXX per calendar month. 

I want my Overdraft Protection Reactivated asap. Netspend being very petty. I 've been a long time customer with Netspend. My Federal Government payroll and my husband XXXX payroll being going into our netspend account for a very long time.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

I purchases a product online from XXXX XXXX  for {$19.00}. The following month in XX/XX/2019 they charged my account for what appeared to be 1 of 3 payments. Which I got the credit card issuers to fix that. But then about a week later I received some makeup products from them I did not order. I filed complain with credit card company and they say that the transaction was marked as Reoccurring charge so they could not stop them. 

I have contacted the company and they will not take me off some Subscription they put me on so I filed complaint with XXXX But I cant get credit card company to stop allowing them to charge my account
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

Equifax has my credit file with their consumer relations department. The past 2 years I have not been able to access my report or score online. I have spoken with them on numerous occasions. I have yet been given a reason for this. So what that boils down to, whenever I need my report their is a charge. I ca n't even access it on XXXX. This makes it extremely difficult to monitor my report. Please help
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

I REQUESTED FROM EQUIFAX TO REMOVE AN ADDRESS ( XXXX XXXX , XXXX XXXX, NY XXXX ) FROM MY CREDIT BECAUSE I`VE NOTLIVED THERE AND INQUIRIES THAT WAS NOT AUTHORIZED BY ME. 
XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ;
Consumer complaint received 2016-10-21
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. (GA)

This company is trying to collect a supposed debt that is not valid. Phones were returned to ATT utilizing the shipping labels provided by XXXX as requested by the representative at XXXX. These phones were delivered back to XXXX however they refuse to fix the issue. Instead they are damaging my credit for FRAUDELENT charges.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax went and deleted some of my good credit information on or after XXXX XXXX, 2016. I had XXXX accounts that were current deleted. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All accounts on attachment are recent accounts and need to be added back to report ASAP! this is hurting my credit report by removing my good information. 

The delete the good info but the fraud XXXX XXXX account and these inquiries they refuse to remove.
Consumer complaint received 2019-08-14
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 — Investigation took more than 30 days
Company: Freedom Mortgage Company (CA)

My home mortgage loan was bought out by another company ( Freedom Mortgage ). I would usually pay the loan a month or two in advance with my former company and the process worked fine. When the new company FREEDOM Mortgage took over my loan and I continued the same process of paying the loan in advance, instead of applying my payment to my regular loan, they applied it to my principal and later reported that I had not made my payment on time. I had payed on time but they did not apply my payment correctly. According to my credit report that I am sure they reported erroneously, I did not make a payment in XX/XX/XXXXwhich has hurt my credit score. They have reported the same exact thing in XX/XX/XXXXwhich is another error. I did make that payment! They need to fix these errors that they are making because of their faulty book keeping and reporting practices. I need to have the late payment report from both XX/XX/XXXXand the no payment of XX/XX/XXXXreported truthfully. It was not until this week that I finally cleared this up with the loan company Freedom Mortgage. Initially the person I had talked to on the phone told me that if I sent the payment to a specific address, that it would be handled by a real person and not an automated system. on a subsequent phone call I was told that all of the payments were done in an automated system It was only after speaking to a supervisor at the company ( because the regular person on the phone couldn't help me ) that he finally said that he is going to place a notice on my account so that payments made up to three months in advance are credited as a payment for my loan rather than an extra principal payment. He said that a small percentage of clients do pay early ( as I do ) and have this notice placed on their account. It has taken Freedom Mortgage all of this time to finally do something about this. I hope they do the right thing and change my report and remove the late payment entry. They said on the phone message when you call them that they " record phone calls for training purposes '' so the entire conversation is on record with them if you would like to investigate it. I am so disgusted with the service from this company. It has only brought me stress and made me waste time on the phone with them. I will report in the future if they did the right thing or not. If nothing is written as a follow up to this it means they have not corrected the situation and screwed up my perfect credit because of their incompetence.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (UT)

I HAVE BEEN CONTACTED BY A GENTLEMAN, XXXX, XXXX XXXX ACCENT, PHONE XXXX. CLAIMING TO BE FROM MY MORTGAE COMPANY AND OFFERING ME MODIFICATION. I CONTACTED THE MORTGAGE OFFICE AND THEY HAVE NOT OFFERED THIS TO ME NOR DO I QUALIFY. THIS GUY HAS THE LAST XXXX OF MY SS AND MY ACCT NUMBERS, HE HAS ALSO CONTACTED MY CREDIT UNION FOR THIS SAME THING. I AM HOPING HE WILL REALLY FAX ME HIS PAPERWORK SO I CAN FORWARD ON TO SOMEONE TO TRY TO STOP THIS GUY.
Consumer complaint received 2016-01-14
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

XXXX, an online event ticket broker, charged us an incorrect ammount. We purchased tickets online for a XXXX XXXX Concert occuring on XXXX/XXXX/2016. During checkout they showed the total as {$250.00}. They charged our bank account {$1100.00}. We did n't know we were charged that much until we got the receipt. 
They will not even talk to us to resolve the issue. 

We contacted our bank to file a complaint and they did nothing for us. 

It should be noted that the tickets they sold us are still being sold today, from the venue sponsor for {$80.00}. 
XXXX tickets are only {$250.00}.
Consumer complaint received 2016-08-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

This goes to XXXX and XXXX, my credit was ruined by several illegal companies, I have told you both for years to send me proof you have not. I have sent you both and ATTORNEY GENERAL office a letter saying inparticular USAA BANK CREDIT CARD was owned and started by XXXX XXXX in XXXX, I was an authorized user only in XXXX. I have provided you with a letter from XXXX XXXX who states this, also you also DID NOT mention fact the card was also identity theft and i sent paperwork to you both, you have not complied with sending me any FORMAL signed paperwork to me from USAA in four years or recently from consumerfinance.gov filings, # XXXX, XXXX. I however have. Federal Trade Commission and other government agencies and consumerfinance.gov not only do not look kindly on USAA BANK not providing proof I Was a co-owner of card or authorized user only, but not shown you second reason card does not belong on account which is fact It was identity theft. Both XXXX and XXXX are in direct violation of conspiring to embezzlement with USAA BANK by not removing me from my credit for four years. I also sent a letter over a month ago FEDERAL TRADE COMMISSION approved telling XXXX and XXXX it has not complied with these laws for year ruining my health, credit score and job score and then some. And when USAA BANK was removed you allowed them to go bank on costing me over XXXX points in one week combined with both crediting companies. I Am building a huge case against USAA BANK for several other issues, if XXXX wants to continue or its employees breaking the law, now that I will have all crediting companies employees involved with not handling these issues last years properly investigated, fined and more in my case I have against USAA in over XXXX bank, credit card and bad faith insurance issues. I am sending this to ATTORNEY GENERAL OFFICE in which they were sent the 30 day compliance letter over 50 days ago. I suggest XXXX and XXXX call me asap at XXXX with a correct number and be ready to settle this or you will be put into the case I have against, USAA BANK, USAA BANK only sent you a letter they did not send any proof, anyone can write a letter from an establishment but if I was a co-owner where is my signed USAA BANK CREDIT CARD co owner paperwork, plus the card was identity theft, KNOW THE LAW. You are breaking it, I de nounce your other consumerfinance.gov responses is treason, conspiring to commit fraud, embezzlement, possible taking of bribes, breaking federal trade and other regulation laws. And at this time, 4 years of bad credit scoring could cost XXXX and XXXX XXXX dollars and fines and employment loss and bad media coverage if not handled immediatley. I spent hours and hours trying to handle this you need call me and do the right thing, USAA BANK is being sued for over {>= $1,000,000}, if you want to join this issue then do n't comply, it only proves my case more and hurts your credit companies that much more. XXXX XXXX XXXX
Consumer complaint received 2016-04-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (WA)

We filed a complaint with you before ( Case # XXXX ) regarding the second mortgage we had on our house. XXXX sent us a letter ( attached ) stating that Chase had improperly boarded the loan to XXXX and that they were closing their file. XXXX issued a cancellation of debt ( attached ). When we recently applied for a home equity loan, we found that Chase never released the lien against our home. As you know, this will limit our ability to access the equity in our home. What can be done to get them to release the lien? Thanks
Consumer complaint received 2019-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently went to check out a new car at XXXX. After carefull consideration I was decided to apply for a loan for this car. I was declined for a good rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own, and these items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX/XXXX XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. inquiries : XXXX, XXXX XXXX. XXXX