davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MN)

We have a mortgage with Seterus ; it is an interest only loan ; We were contacted in XXXX XXXX that they changed the terms in XXXX XXXX without notify us. At that time I asked for the details on this and contesting the loan, which by the terms of the loan stop all late fees and additional interest at that time. I have, in writing both via letter and fax sent them the request for this and it took them until XXXX XXXX to get me the details, and then only after the Attorney General of MN office had been contacted and was working on this case. During this time Seterus called us weekly and we always took the calls and we always explained what needed to happen and that we are contesting the loan. Once we received the information it was identify they sent the information to the wrong address. We have continue to pay the old monthly payment and will do so until they correct their mistake. We have continue to ask them to remove all late fee 's and interest charged in XXXX because of their mistakes. Our mailing address did NOT change in XXXX or XXXX and this as a mistake do to Seterus record keeping errors NOT ours. We also have asked them to correct all the negative reporting to credit agencies and provide us with a report showing us that this has been done with a letter stating it was their fault incase an agency comes asking in the future. We have been contesting the lone until this point and due to terms of the loan they should have stop late fees and foreclose process. On several cases including the following I was told the case was being contested and ALL late fees would be on hold- Including-On XXXX XXXX XXXX said she was doing this ; XXXX XXXX said she was doing this on XXXX, also XXXX XXXX XXXX said she was. Please understand this has been more than XXXX faxes and Seterus HAS confirmed they have received them.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

collection agency has called repeatedly to collect a debt that is not mine. the agent has threatened to come to my place of employment to collect should i not provide payment immediately. at times has left voicemails identifying themselves as a 'goverment agency ' or court clerk.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

There is an entry on my credit report that states that I owe the Department of Veterans Affairs {$3100.00}. This account has been paid in full. I am submitting documentation that will show that not only has the account not been reported correctly for several months, but in fact that I no longer have a balance on this account. The entry from the VA needs to either be updated properly or deleted from my credit report. This account has been disputed several times and each time the Department of Veterans Affairs has verified the information as correct when each time payments had been made that reduced the balance. There had even been documentation submitted which proved the balance was incorrect. 

The attached documents are : Letter from the VA to my congressman verifying that the actual amount I owed at the time was {$1800.00} ; receipts from the VA that show a total amount paid of {$1800.00} and XXXX letters from the VA which show that the account is Paid in Full and that I should not send any additional payments.
Consumer complaint received 2021-05-16
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: Receivables Management Partners, LLC (NC)

I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$97.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2017-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On Saturday,  XXXX   XXXX  we notified Bank of America that they incorrectly deducted  XXXX  payments for our credit card payment from our bank account, both of which are Bank of America accounts. We did an online bill payment from our Bank of America checking account in the amount of {$5300.00} to pay off our Bank of America credit card balance and then the same day they deducted an additional {$5300.00}. When we called on  XXXX   XXXX  to notify them of the double withdrawal, we spoke to a live agent and were told it would tak e 3-5 busi ness to return our money. We disputed this since all of the money was in Bank of America accounts but they explained that they had no control over getting a refund processed by their own credit card to their own bank accounts. Today is Sunday,  XXXX   XXXX  and it 's 8 days later ( the  XXXX  wa s the 5th business day ) and  they still have not refunded our money. Every day that we call for a status, we 're told the refund will be the next day, but it 's never happened. The extra {$5300.00} they took was pretty much all we had left in the account. We 've gone 8 days without this large sum of money. And we have n't been able to get any cash because the balance is so low and our bills are set up on auto payment so many of them are still trying to clear the account, deplenishing what balance we do have left. For them to keep our {$5300.00} for 8 days is ridiculous when the money is in their own accounts. They could have cut us a check within these last 8 days but instead we 've been told we have to wait for the credit card to issue a refund to us. We 've had to borrow money to get by while they hold our money. How much interest are they making from us and who knows how many other customers they are doing this to?
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NC)

While we appreciate fixing the issues with the XXXX and taking off the XXXX late payment reference that has not completely fixed the issue. We sent back notarized copies of the deed in lieu paperwork prior to the XXXX XXXX deadline and the notarized copy shows that it was in effect XXXX XXXX, 2016. Having that paperwork in prior to XXXX XXXX there is no way that we can held responsible for there being a late payment of XXXX and would request that this late payment be removed as well. My husband pulled his credit report today and noticed that the XXXX late payment has been removed but now Seterus , Inc. has reported that we were late in XXXX all of a sudden when that had not been the case prior. We would like Seterus , Inc. to stop changing other payment information without notifying us of this case since it does not appear in the XXXX documentation which is the same as in this XXXX file attached. We have attached a copy of the deed in lieu paperwork that has been referenced above.
Consumer complaint received 2017-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I noticed that my transactions were being reordered in the past  two  months (  XXXX  and  XXXX   XXXX , as well as I was being charged RIDICULOUS overdraft fees. Not only are these overdraft fees charging me {$35.00} dollars for a {$2.00} charge that keeps being debited from my account just so the bank can charge me  XXXX  dollars again, then  XXXX  dollars, then {$100.00} and {$170.00} dollars in overdraft fees.     TD bank has reordered my transactions to make it look like I did not have funds in my account in order to maximize their ability to charge me overdraft fees. For example, on a day where I was in overdraft by {$4.00}, I made a direct deposit of {$300.00} to get out of the overdraft. However, on my TD banking portal, it reordered my transactions to seem as though I still had a negative balance when I used my card after the deposit cleared the negative balance, and I was charged  XXXX  dollars in overdraft fees MULTIPLE times.     These overdraft fees are not warranted given that they were " posted '' to my account during circumstances I knew I had funds in my account because I had made a deposit that same day, and were being posted about transactions that did not actually occur on those days. Even on days that I had made a deposit and was in the positive, I was still charged unfairly.     In   XXXX   alone, banks took in over {$32.00}  XXXX  dollars in overdraft fees. Additionally, TD bank has been sued in the past over such overdraft fees and reordering transactions, but it is very apparent that this behavior is continuing. This is truly outrageous that TD is purposely reordering transactions and charging all of these overdraft fees without my consent and without even notifying me of being overdraft to begin with. There was not even ONE time I received a notice via phone nor mail about being in overdraft.       Through my online banking portal, I sent a message to TD bank detailing my issue in  XXXX , and they took a week to get back to me even though they guarantee a response within  48  hours. I called TD bank today,  XXXX   XXXX , to dispute these charges. I opened my bank account i  XXXX   XXXX   XXXX   XXXX   XXXX , where there are several  TD  bank branches, but I currently attend college in  XXXX  Washington state, where there are  XXXX   TD  bank branches. Thus, I did not have the accessibility of a branch to go in and talk to a representative. When I did call TD bank, a customer representative told me that out of the total {$940.00} dollars in multiple overdraft fees due to THEIR reordering of transactions and the system 's error, they would only refund me  XXXX  dollars. I was not able to ever use the money from my direct deposits since they were being funneled to the bank as profits via their overdraft fees.
Consumer complaint received 2017-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have  XXXX   (   XXXX  ) student loans with Navient : ACCOUNT NUMBER  XXXX  Loan Group Number :  XXXX  for {$24000.00} Loan Group Number :  XXXX  for {$14000.00} Loan Group Number :  XXXX  for {$14000.00} My payemnts are not being applied to the principle amount. Numerous emails and conversations have going no where. even after agreeing Customer Service never calls back when promised to resolve. I need some help. I want to finalize the amount and pay off. I do n't miss payments but are starting believe I am being defrauded.     Please let me know how you an assist
Consumer complaint received 2017-01-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: American Payment Holdco, Inc. (CA)

On XXXX XXXX, 2017 I requested a transfer of funds from my checking account at XXXX XXXX XXXX. This is normal activity for the past 6 years to transfer money electronically to my family members for various reasons. The company that handles the transfer is Popmoney owned by XXXX. The money was withdrawn from my account on XXXX XXXX. It was held for XXXX or 7 days. When I called XXXX I was told by XXXX XXXX that they XXXX had been advised by Popmoney that the money was being held by The US Federal Reserve. I called the Fed. XXXX and spoke to XXXX. He told me the FR was not holding any money. The XXXX refused to give me any information about the company that handled this service offered to members by them. I looked it all up on line. This company has no authority to hold my money for any reason. Their only role is to transfer the money between accounts as requested. They should be fined. I do not see a phone number for them. 
Here is the contact information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CT)

Contacted collection company, LVNV FUNDING LLC twice in the last couple of months ( between  XXXX   XXXX  -  XXXX   XXXX   ) to try to get some information on a collection account that was on my credit report. Spoke  to the agent and said I was going to dispute the issue because I did not open a credit card with  XXXX   XXXX    XXXX    which debt amount is {$710.00}. I wanted to know when the account was open, if the bank statements could be made available, etc. The agent said a package would be sent out with all of the information I needed. Months later still no package and I have not been contacted by a collection agency.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   an entity that does not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from  XXXX   XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX  , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership.   I have prepared a document called CFPB complaint the   XXXX   XXXX   XXXX   XXXX   and Exhibits which I would upload making my complaint clearer.   I am uploading documents to the complaint which will give the true picture of what has taken place.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America offers a preferred rewards program. They state that you need  a '3-month average  combined balances of {$20000.00} or more in qualifying Bank of America banking accounts  and/or   XXXX   XXXX  and   XXXX   XXXX    investment a ccounts '. and 'We 'll review your program balance at the beginning of each month to see if you 've reached a higher tier. ' both quotes from bankofamerica.com/balancerequiremenents. I deposited the minimum amount for the second tier platinum on  XXXX   XXXX , and to date have not received the benefits of the platinum rewards. I ma de two phon e calls asking to have my account reviewed as on the mobile appliction it states 'Every month we will review yo ur 3-month  average combined balance ... ' and 'It 's calculated based on your average daily balance for  a three  calendar month period. ' No where does it say that a statement must be generated or that it is dependent on the number of days in the month.  A three calen dar month period does not have a foot note stating that it must b e one full ca lendar month. If the deposit occurred on the sixth of a month,  three months later is still a sixth of the month. It will be four  months in  XXXX  and the account I am sure will not be back dated. Our statement closed on  XXXX   XXXX , not the  XXXX  as in  XXXX . To be able to claim  a three m onth time frame with no particular details is extremely deceptive.
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equivalent is displaying information previously deleted and known to be fraud by the XXXX ca I have argued and XXXX said they would remove it. This is Harasment and due to id fraud and welfare fraud. They have also reinserted negative collection accounts eliminated by creditors due to id theft some of these creditors have written themselves on your site the release.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

The  XXXX  credit companies that are  XXXX ,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but th e 2 credit companies have been of no help and Wells Fargo will not provide a letter that there was never a late  on the account, just this payment history that I am attaching below.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VT)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent of letters certified mail disputing all negative errors on all  XXXX  of my credit reports asking the credit bureaus to verified and send my proof that they verified all of the negative items im disputing. Plus I spoke with agents over the phones about all of this as well.
Consumer complaint received 2016-12-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I applied for a loan modification through Carrington Mortgage. I was up to date with my payments at the time I applied. XX/XX/XXXX-XX/XX/2016 while my loan was being reviewed for this modification, Carrington did not post my payments to my account. This concerned me and I called several times to make sure it would not be reported to my credit that I was not making my payments. I was assured this would not happen and that Carrington did not report to the credit bureaus during this time. Of course that wasnt true and it was reported to my credit bureaus I was 30 days behind and my credit score dropped XXXX points. Although I had attempted to be proactive and called several times this still occurred and I was required to write a letter and fax it to Carrington and wait 3-4 weeks for it to be 'researched '. Many phone calls, faxes and weeks later it was removed from my report and I was approved for a 'trial period ' modification. To show I would make the payments although I had never missed payment anyway. 
This trial period required that I make my first payment XX/XX/XXXX and no payment for XX/XX/XXXX because everything had been calculated i was told. Again I was concerned about what would be reported to my credit I was told Carrington doesnt report during this time but a special code is placed on the credit bureau that you are in a modification agreement. Of course that was not true. Because of my past experiences with Carrington I made my first trial period payment XX/XX/XXXX anyway, however Carrington is now reporting that I am 90 days behind and my first delinquency started XX/XX/XXXX. I made my payment XX/XX/XXXX. My credit score has dropped XXXX points. My credit cards are cancelling my credit lines although I have never missed a payment to them either. I was passed over for a promotion at work because of this. I want Carrington to correct this issue and I feel they should have to make some sort of concession to me considering the effect it has had on my life.
Consumer complaint received 2016-01-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (CA)

Re : Case # XXXX So is the result that my XXXX options are to either sue American Express Centurion Bank in small claims court or allow them to keep {$1400.00} of my money that they have admitted that they received custody of in my behalf? And you have no authority nor can refer me to an authority for assistance with my issue?
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

Dear CFPB, I participated in a credit card promotion with American Express whereby I would receive XXXX Membership Rewards points after spending {$3000.00} in 3 months. I received the card in mid XXXX 2016 and received the bonus only a few weeks later on XXXX XXXX, 2016. I had met the eligible spend and then returned a few purchases but did not realize that the returns put me below the eligible spend until XXXX XXXX. The reason I was unaware is because American Express did not adjust my points balance until nearly 3 months after the fact. The reason for this dispute is that I find it deceptive how American Express did not adjust my points balance in a timely manner or notify me to allow me to rectify the situation. I ended up being only about {$450.00} below the spending requirement, which I surely would have been able to do had I known I was below the requirement. American Express should not have awarded me these bonus points AND kept the points in my account for more than two months after the returns. It therefore became very difficult for me to keep track of my status in terms of the points promotion and spending requirements.