davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX was very biased, contemptuous, and highly dismissive towards Myself and my XXXX XXXX. We attempted to open up a XXXX  account for one of our XXXX  called " XXXX XXXX XXXX XXXX today XXXX XXXX 2020. She blatantly lied and said that she could not look up our articles of organization. However, that wasn't the case she simply refused to look up the necessary document needed to open up the XXXX  account. She made us feel very uneasy she also made us feel like we had no right to be in a banking institution based off how we were dressed. XXXX stated that she'll only open up a personal checking account because she did not think our XXXX  was legit since we did not have a hard copy of our articles of organization on hand. She also stated very threateningly that if we did not fund our personal checking account by today that she would close our account. Just because we did not have a hard copy on hand does not mean our XXXX is not legit. She blatantly REFUSED to look up our articles of organization therefore we were unable to move forward with opening up our XXXX  account with FIFTH THIRD BANK. She also did not give us our necessary banking information such as account and routing number for one of our accounts. However, once we left fifth third bank we met with a banker at XXXX XXXX this banker was able to pull up a copy of the articles of organization that we needed to open up the XXXX  account.We happily moved forward with XXXX XXXX.
Consumer complaint received 2016-03-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Eaton Group Attorneys LLC (LA)

to my knowledge this debit first became delinquent XX/XX/XXXX, it was recently reported to the credit bureau as becoming delinquent in XX/XX/XXXX. this debit is over seven years old, seems to have been sold to another company and all information I have no knowledge of.I have a judgement placed on my credit file. XX/XX/XXXX, i tried to pay on this account but payment was refused that was all i could afford, the balance now i have no knowledge of this is a seven or eight year old account to my knowledge and wrong Information.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to inquire about the process for registering business with the state of California and to bring to your attention a concerning issue that I have recently experienced with a company that claims to be registered with the state. 
The company, XXXX XXXX, which is allegedly registered with the state of California, claimed to offer investment opportunities that would result in high returns with minimal effort. This company advertised their investment opportunities on various social media platforms such as XXXX, XXXX and XXXXI invested a significant amount of money, {$25000.00}, in these opportunities, only to discover that the company was fraudulent and attempting to contact them was unsuccessful. In fact, the mail I sent to their registered address was returned as undeliverable.As a concerned citizen, I am writing to ask how it is possible for a fraudulent company to register with the state and operate under false pretenses, potentially taking advantage of other individuals like me. I would like to know what measures are in place to ensure that registered businesses provide accurate and up-to-date contact information.I urge the state to take swift action against fraudulent companies such as XXXX that claim to be registered with the state but use false information to appear legitimate. Additionally, I would like to know what steps the state is taking to protect consumers from such fraudulent companies and what resources are available for individuals who have been victimized by these types of scams.As well as what protection are given by banks where frauds are happening over and over. In this case, Bank of America Thank you for your attention to this matter. I look forward to your response.
Consumer complaint received 2016-10-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Our loan was transferred to Nationstar from XXXX XXXX XXXX, Nationstar denied our loan modification because of XXXX reasons as my representative told me. 1. Negative NPV 2. due to our history when trying to obtain the previous modification ( with XXXX XXXX XXXX ) 3. we skipped a payment towards the end of our previous modification that was up late last year. 1A-Our NPV is negative and not passing mainly because Nationstar is not willing to extend the term of the loan, not willing to defer or forgive anyting. We owe over XXXX and the value of the property is XXXX. The only term they are entertaining is 234 months 2A-when we tried to get the previous modification, we were in review for a long time, IT IS NOT because we did n't want to make an affordable payment, it is because we were in a lonnnnnnnnnng review where documents went missing and got out dated and relationship managers kept getting changed. Additionally, while in review with XXXX XXXX XXXX, the loan got transferred. XXXX XXXX XXXX gave us the run around for years and would n't work with us. Nationstar gave us only one option, it was a 2 year Interest only loan which adjusted this year to Prinicpal and interest to 4.0 % principal and interest. We went from having a XXXX loan to around {$800000.00} loan, now ineligible for any government programs since our loan amount is over the XXXX threshold. Our payment has more than doubled, we are upside down, and nobody is willing to defer or forgive anything to help us. we know they do n't have to, but i ca n't help but feel whatever the lender is doing, or has been doing, is to collect fees, interest, until we hit the end. Why could n't they give us a step rate modification? or meet us in the middle somewhere? Instead we were given a modification that would XXXX, it now adjusts every month and we are over XXXX upside down. 3A- we did n't skip the payment, we did n't know what the payment was because we got several different mortgage statements with different payment amounts and it was not until the modification was over. There are phone records of these conversations when i called the bank regarding the statements and why they are all indicating different breakdowns, interest rates, and payment amount
Consumer complaint received 2022-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

Federal Loan Forbearance XXXX XXXX. Qualifying federal loan borrowers who were residents of Maryland and other states. XXXX has already been fined and investigated. On the website it was suggested that I file a complaint to resolve the issue and hopefully get a refund of some of the interest charged and the forbearance fees that were overcharged.
Consumer complaint received 2020-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I have been trying to buy a house for nearly four months now. The lender who I've been speaking to said that my score was fairly good and I was only a few points from qualifying for a conventional loan. After showing me my credit report, we saw that the only thing on my report which could be considered negative was a XXXX XXXX collection which was opened on XXXX of 2018. I didn't know what charter communications was so I looked them up. It turns out that XXXX XXXX is XXXX. XXXX  also bought out XXXX a few years ago and XXXX bought out XXXX XXXX a few years before that as well. 

After finding out who the company really was I was confused and angry. I was confused because I know for a fact I did not open a XXXX  / XXXX on XX/XX/2018 or anytime close to it. I was angry because the last time I did have a XXXX  / XXXX was before I lived in XXXX. I've lived in XXXX for the last 7 years! Knowing collections can only stay on your credit report for 7 years I knew this account had to be disputed. This collection, even if it was mine, was past the statute of limitations. I went ahead and disputed the account with Enhanced Recovery collections and the three credit bureaus. I did so in XXXX, XXXX, and XXXX. I never received responses from anybody. a few days ago, I have the lender check the credit report and the account is still on the report. You don't have to guess very hard how I felt after finding that out. 

To make matters worse, the lender is telling me I am 5 points away from qualifying for a conventional loan and this is the only thing stopping me! There are no charge-offs on my report, no credit cards with balances I can lower, and no other collections for me to fight or pay to increase my score. I am literally stuck and at the mercy of this collection agency who is reporting an account that isn't mine, or even if it was, is a 7 year old collection whom the collector isn't responding to any of my disputes since XXXX! There is nothing more for me to do but file this complaint against them. Please make them delete this account so I can finally buy my house.
Consumer complaint received 2015-09-06
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (IL)

Back in XXXX this year, I scheduled a payment with Citi Card Online banking and on the due date my payment was not taken out by the system and all of a sudden I am immersed in credit card debt, with over the limit fees and interest over the balance and I am not willing to pay. They are ruining my credit. I have another credit card with them in good standing and before this system glitch, I was paying these credit cards. The only other time I had fallen behind payments, was for the same reason, but Citi Card will tell you there 's nothing wrong with their system. But the reality is you ca n't schedule payments to be taken with two weeks in advance, because the system wo n't work. They are ruining my credit and I do n't know what else to do. XXXX, you are my only hope. I have no money to hire a lawyer or take legal action.They are denying this to their teeth without conducting an investigation and checking their own online system.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The CBE Group, Inc. (IN)

Cbe Group Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX  Appears on my XXXX  and XXXX  reports however XXXX  removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( XXXX  & XXXX  ) to delete the entry. 

Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I purchased my home, as a married woman in 1975 for {$36000.00}. Due to divorce, my home went into foreclosure. I sought help, as a single woman with XXXX very young children. As of today, I now owe {$100000.00} plus a balloon payment of {$70000.00} on this house. Various and numerous, loan selling schemes caused my home to go back into foreclosure about 10 years ago. This included XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and now SPS. I am now nearly XXXX, XXXX and on social security XXXX. I'm in an adjustable mortgage modification. Lost and confused. Who can help me XXXX the players in this disaster? I know XXXX was fined, XXXX fined, XXXX XXXX and XXXX XXXX had license revoked, SPS has been deceptive in information related to modification.
Consumer complaint received 2018-04-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

When I opened an account with BECU, I opened a checking, savings and personal line of credit account. I deposited a substantial amount into the savings account and asked the clerk to link it to the checking account for overdraft protection. Three years later, I discovered after reviewing my statement carefully, that my overdraft protection was linked to a personal line of credit that over the years cost me ~ {$1300.00} in interest while I had a savings accounts with $ 20K+ under the same name in the same bank. BECU refused to refund the interest charged.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I Open and Account With Chase and Chase Close My Checking Account Without My Permission and Said to me no New Account Cant Be Open Please Help me with this Problem. i did not do anything wrong and Chase closed my account XX/XX/2018 Account Number : XXXX for no Reason please help me with this problem i dont know why chase closed my account without my permission please help me with this problem.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (NC)

This company calls and leaves a message without disclosing who they intended to contact and left only a return contact number and reference number. Upon calling back and providing the purported reference number, the XXXX representative advised no direct knowledge and then disconnected the line when I inquired about further information.I called back because it is unlawful for even legitimate collection agencies to continue calling a company or person and fail to provide specific information and acknowledge the purpose of their call. Upon calling back, again the representative ( another one ) suggested it was " Credit Control LLC '' and then blindly transferred me to another representative who after providing the reference number and telephone number now thrice that a " XXXX XXXX '' was the ONLY person familiar with the matter. Now that just sounds like a load of nonsense ... Completely unprofessional and unethical ... I told him since they could n't seem to read the federal and state regulations that govern the practices of these collection agencies WITH COMPREHENSION that I 'd inform CFPB and maybe you all can assist them.
Consumer complaint received 2015-06-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

After 7 years of me paying my taxes directly to the city XXXX NJ Chase decided to pay the taxes on my behalf therefore creating at XXXX plus escrow shortage thus leading to a XXXX increase in my monthly mortgage payment.  While Chase "investigated" the issue they recommended that they temporarily suspend my auto debit. I agreed.  I was told to make a manual payment.  I went online to make the manual payment and my account presented that I was still enrolled in auto pay therefore I did not make the payment for risk of being charged XXXX at the higher amount. 30 days later I was told I was delinquent. Chase will not amend the reporting. They say that despite representing no change (i.e. still enrolled) in my auto pay status online I still needed to make a manual payment and that I should have called them once I saw the online status.  At no point did anyone in customer service disclose to me that the temporary auto pay suspension would NOT be reflected online and that I should make a payment regardless of the online auto pay status.  I now have a mortgage delinquency reflected on my credit report.  Chase refuses to make an amendment even though this issue was caused by their erroneous payment of my taxes (which has been reversed) and failure to disclose the auto pay suspension status on my account online. It is my belief that Chase paid my taxes knowing that it would create a XXXX escrow deficit which for many would have resulted in foreclosure.   It wasn't until I spoke to multiple customer service reps in their tax department and weeks of investigating the issues was it ultimately resolved.  Nevertheless, they still refuse to change my credit reporting status because my auto pay was merely "suspended" and not "canceled", even though neither was reflected online.
Consumer complaint received 2016-10-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

Dear Consumer Protection Division Ditech will not acknowledge receipt of my complete borrower 's assistance application received on XX/XX/2016 in their Loss Mitigation division in XXXX, AZ. 
Ditech Financial is generating statements claiming that my loan became delinquent on dates that are not true since they took over my loan in XX/XX/2016. I keep showing them proof of payment. 
Ditech is not posting payments on the day it was received. 
The statement dated XX/XX/2016 was received XX/XX/2016 and the statement dated XX/XX/2016 was received on XX/XX/2016. 
The statement dated XX/XX/2016 inaccurately states XXXX payments were missing. 
Check number XXXX for {$1100.00} was received XX/XX/2016 and cashed XX/XX/2016. Yet, Ditech held posting the payment until XX/XX/2016. 
Since Ditech likes to call payments not received on the XXXX of the month as missing payments. 
Ditech will not apply my additional principal to the principal and is putting them in a funds in suspense account. 
Enclosed the tracking information for my XX/XX/XXXX payment received XX/XX/2016 and the borrower 's assistance application which was received XX/XX/2016. Returned checks for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 statements. Copy of check # and XX/XX/2016 statement stub for XX/XX/2016. A copy of the letter with borrower 's assistance application showing all the documents needed to process the application were submitted.
Consumer complaint received 2020-07-11
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: ALLY FINANCIAL INC. (AL)

I have reported the following accounts on multiple occasions since XX/XX/2020 using the identity theft methods made available to my by the local police and online resources. XXXX has done nothing to remove this account after countless contact with them regarding incorrect information. The following items are still reporting incorrectly.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have paid out XXXX to an attorney to help me save my home. It did not happen. XXXX, XXXX, XXXX and Bank of America have all had their hands on this house at XXXX point or another. I have been told to convert the chapter XXXX to a XXXX and give up my home. I am XXXX and so is my mom. I have a XXXX in my home for over 30 years. But nobody cares. All they want is to get their hands on the PMI insurance I have on the house and they get to sell the house to They have not offered me any kind of money to help me relocate Nothing. And this is the American way. All I can say is that I am a victim of predatory lending, something is wrong when the families are torn apart, the elderly and XXXX have no rights or protection. 
XXXX never served or tried to serve me any kind of summons, letters nothing. They are wrong. I need help because I did not come into this house poor, broke, no money, etc. Since I have been paying them my mortgage for over a year and my bills I am broke. These people broke all kind of laws and it looks like they are getting away with it.
Consumer complaint received 2020-08-07
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: Bread Financial Holdings, Inc. (GA)

I have a loan with CBXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CBXXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2016-09-24
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank has a card called XXXX I applied and got the temp, card someone in Texas tried to send me money on it then Chase cancelled my card and said I could n't do any business with them any more. No reason for it at all this showed me the thing is a fraud and need 's to be shut down.
Consumer complaint received 2015-09-02
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: MNE Services, Inc (MN)

XXXX XXXX and XXXX XXXX who I believe to be the same person have called my place of employment attempting to collect a debt for a pay day loan. They call about every XXXX minutes. Calls started on XX/XX/XXXX. I have informed them that i did not receive a payday loan and yet they continue to call and harass me and my coworkers. After reviewing my bank statements from XX/XX/XXXX, I did not receive a paydayloan. it is possible that I applied for one.