davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK (TN)

I completed a business checking application on XX/XX/2021. I contacted the direct banking line on XX/XX/XXXX as I still had not received an update on my application. When I finally got in contact with XXXX XXXX he had me fill out another application and send in documents and ID for all members of the XXXX. XX/XX/XXXX he finally sent over the account agreement but with errors. The errors were so minor he could have literally sent me back the updated agreement ASAP, but I had not heard back from until XX/XX/XXXX which still no changes had been made per our conversation. XX/XX/XXXX to XX/XX/XXXX I had tried to call XXXX and left voicemails 3-4 times and messaged him via IBERIABANK portal several times. When someone finally connected me to him on XX/XX/XXXX, I told him who I was when he picked up the phone and he there was just silence. No apology or anything regarding the delays. My husband also reached out and he rushed off the phone, said he had a meeting and never called back. Which I assume prompted XXXX to reach out to me via the portal on XXXX. It seems everything took a turn once I sent him our personal information that included our age, ethnicity, etc. We have had a credit line and been inside Iberiabanks several times with no issues and that was to actually borrow funds from the company. Now we are at a different phase of XXXX XXXX and need our checking account setup ASAP for our XXXX XXXX XXXX and this has been a total nightmare to deal with. I am not sure whats causing the delay but its causing unnecessary stress and delays with other details of XXXX XXXX The latest email I received says that the account agreement and supporting docs are due within 10 days or account will be restricted. Well, that timeline has passed and there seems to be no concern to our needs as current and continuing customers of this establishment. I have been getting documents back to him same day within the hour each time, but the service we have received has been extremely subpar.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

On XXXX I submitted a complaint to Equifax via the CFPB portal. I would like to cancel this CFPB as filed. Complaint number XXXX. I no longer wish to dispute the item reporting. I have attached a copy of my credit report for reference. Please discontinue investigating this CFPB.
Consumer complaint received 2021-02-25
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: Experian Information Solutions Inc. (LA)

In 2020 ( Complaint Number : XXXX ) was filed again XXXX XXXX /XX/XX/XXXXXXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation withXX/XX/XXXX and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXX XX/XX/XXXX ; contact my attorney General. I am in the process of purchasing a home & for the last 6 months Experian has been telling me to XXXX XXXX is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or XXXX XXXX is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. XXXX is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My Equifax credit report displays incorrect accounts displaying on my credit report which needs to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I need these incorrect information removed from my Equifax credit report.
Consumer complaint received 2021-02-25
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. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION RENTAL SCREE Inquiry : XXXX XXXX, 2020, XXXX XXXX DEALER S Inquiry : XXXX XXXX, 2020, XXXX  Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (GA)

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (KS)

I noticed that there is an interest mistake on the billing statement on XXXX. Balance subject to interest rate ( {$760.00} ) is {$230.00} more than the new balance ( ( XXXX ). Regularly balance subject to interest amount is matched with the new balance.In such way interest ) {$14.00} ) will be overrated {$5.00} or more. So I called chase company to request explaining. The chase credit card department supervisor ( XXXX  rudely hung out my phone call at the beginning. Then I called again to ask for refund the overrated charged interest. She said No and she started to laugh about CFPB. She said consumer bureau can do nothing to make her change. She refused to change the wrong interest amount and declined my refund request. Chase company made Balance subject to interest rate big so they could suck more interest with no sense. She responds nothing about COVID-19 assistance. Chase company tried to suck peoples interest as much they could. Since they declined my kind request and disrespected consumer bureau, I would like to get the refund for the recent three month interest.
Consumer complaint received 2021-02-24
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FIRST AMERICAN FINANCIAL CORPORATION (CA)

Around XX/XX/2020 this Title Company FIRST AMERICAN MORTGAGE SOLUTIONS Assisted to record a Fraudulent Document to a third party company affecting the Chain of Title of my house located at XXXX XXXX XXXX XXXX CA XXXX ( Attach the instrument # XXXX herein ). 
I state since there existed 2 Robo-signatures documents previously recorded in the Chain of Title of the property describe above, I already reported to the Local Authorities as well to the CFPB inquire number # XXXX against the XXXX XXXX XXXX XXXX Then for after the one recorded by FIRST AMERICAN MORTGAGE SOLUTIONS it makes the document recorded with instrument # XXXX Fraudulent and Void itself, the title company 's client XXXX XXXX XXXX had personal knowledge about it, They Ignored and rejected the information given. ( Attached XX/XX/2020 Certified letter Please see Pages 32-33 as reference, at that time The Title Company 's Client didn't include the Title Company name ). 
So Thru the CFPB I would like to have this title company to remove this document from the county records and send me an Apology Letter.

I want to say every company or institution who are participating in the theft of my property will be liable for economical and medical damages I may incur.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC (TX)

They are sending text messages to a company cell phone. It had my name in the text and is showing an apparent amount owed. I have not spoken to anyone regarding such debt and they are basically texting not only a random number but a number for a company cell phone potentially exposing sensitive information.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022 CapitalOne360 bank received a XXXX dollar deposit however several months before that I was told they no longer wanted to do business with me and my account would be closed. If that were true they should have never accepted the deposit. I contacted them and asked them to mail me a check and close the account it's been over a month with Sill no check and a different excuse everytime I call
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have been asking for the PMI disclosure statement and any other disclosures related to PMI that were provided to me at closing. I have a generic PMI letter that is signed by me but it not specific to my loan and does not provide any dates. Wells Fargo has sent this same letter to me twice. My understanding is that a PMI disclosure statement is required to be provided to me al closing. I base this assumption on language I have read in the HomeRequired disclosures under Homeowners Protection Act.

( HPA ) ( PMI Act ) : 1. Amortization Schedule AND 2. PMI Notice which discloses the following : Borrowers right to request PMI cancellation when the LTV on the loan reaches 80 % of the original value and the date this will occur based on the initial amortization schedule Borrowers right to request cancellation at an earlier date if actual payments bring the LTV to 80 % sooner than scheduled PMI will automatically terminate once the loan reaches 78 % LTV and the date this will occur based on the initial amortization schedule There are exemptions to the cancellation and automatic termination provisions for high risk mortgages and whether these exemptions apply to the borrowers loan I believe I may be missing some disclosures as it relates to PMI. I would like to have those provided to me.

Based on the document I have signed, I may be eligible for a partial refund of PMI if my loan is paid in full. Wells Fargo first took the stance that the loan had to be active in order to be eligible for a partial refund ( of unearned premium ), then later told me no because it was a non refundable policy and now told me that I am eligible. Most of this discrepancies are in fact in writing to me from Wells Fargo.

I have also asked to under stand the process of the refund once the loan is paid in full. I have been told that there is no process and that Wells Fargo will just send a check once it's paid in full.

At this point I want to review all documents provided to me at closing related to the PMI piece and I want Wells Fargo to confirm that they are required to refund any unearned premium once the loan is paid in full ( in the next 60 days ).

From the Homeowners Protection Act in regards to unearned premium : Return of Unearned Premiums The servicer must return all unearned PMI premiums to the borrower within 45 days after cancellation or termination of PMI coverage. Within 30 days after notification by the servicer of cancellation or termination of PMI coverage, a mortgage insurer must return to the servicer any amount of unearned premiums it is holding to permit the servicer to return such premiums to the borrower ( 12 U.S.C. 4902 ( f ) ).

If the proper disclosures required by law were not provided to me, I want that in writing with an explanation as to why.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I applied for a mortgage with Pentagon Federal Credit Union. After I received no response, I called to check on the status of my mortgage application. A mortgage broker named XXXX XXXX spend one hour scolding, lecturing and belittling me because I have a large education loan. 

She refused to listen to me when I told her that the loan was in income based repayment ( IBR ) and that my loan was current with a XXXX payment due.

She told me I should get another job, and work more hours. When I told her already worked 12 hours most days, she said that I should be able to find more work.

XXXX  then stated that XXXX XXXX policy prohibited PFCU from offering me a loan. When I asked to speak to Underwriting or her Manager, she refused and said that I was did not deserve to speak to anyone else because I was " the most horrible person she had ever spoken with. '' I did not curse at XXXX, in any manner, and simply told her her was " snide. '' She then spent about 15 minutes, again lecturing, scolding and belittling me. I asked her if there was any hope of her helping me and she said no. I told her I was concerned because PFCU had already done a hard inquiry on credit. She said that was " too bad. '' After I hung up, I researched the XXXX XXXX policy that XXXX hammered and raged at me about and discovered she was wrong. Because I am in IBR, and my account is current, my educational loans are not considered in my Debt to Income ratio. 

I emailed XXXX XXXX again, and asked her politely to again look at my mortgage loan because she was incorrect. She did not respond. 

It is my certain belief that because I am a person of XXXX, XXXX XXXX discriminated against me, and refused to provide equal access to PFCE 's mortgage products.

I am a member of PFCU and have never made a late payment of any kind- to any creditor- in over 25 years. I previously paid off a car loan and a mortgage with PFCU. 

XXXX refused to look at my credit and payment history, collateral or income.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A. (CA)

Dear Officer, My name is XXXX XXXX. I want to dispute an unreasonable late payment delinquency record related to my PNC credit card. My credit score drop over 100 due to a late payment of {$81.00} in my PNC credit card on XX/XX/XXXX. But the fact is that I didn't receive the card neither activate it after I applied it. No one contacted me about I need to pay for it during XX/XX/XXXX to XX/XX/XXXX, and their customer service didn't help me to resend the card when I called them. When they finally sent me a email, the content is " you credit card payment is already past due for 34 days '', and PNC Bank reported this late payment as delinquency without any notice in anticipation and failed to help me when I contacted them to get my card and access to my account. I never used this card, the late payment is because they transfer my credit card usage on my XXXX credit card to this PNC credit card. But I didn't get any notice about this action neither through call nor email. During XX/XX/XXXX to XX/XX/XXXX, I called and emailed PNC customer service so many times asking them to resend me the card, they couldn't help because I don't know the card number or account number. They told me they couldn't find anything under my name. I also emailed the agent, XXXX XXXX, who assisted me with my PNC credit card application in PNC branch XXXX, NC. She said she had not worked there and couldn't help with that. Now I've not lived in XXXX, NC and moved to XXXX XXXX, CA from XX/XX/XXXX. When I saw the past due email this morning, I called them right away and pay on phone {$1000.00} dollars for it. It's unreasonable that my credit score get a such huge negative impact for an unknown payment. I'm looking forward to getting rid of this late payment from my credit record successfully. Hope anyone of your association can help me. Thank you so much!
Consumer complaint received 2021-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WV)

I have tried to work with PHH but they had continued to deny that they even had my loan. I called several times and they advised my loan was not with them when I had been receiving notices and mortgage statements from them. I now have a foreclosure sale date and I am afraid to lose my home because they people didnt want to help me.
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

sent a payment of {$50.00} to Request to XXXX  XXXX on monday XX/XX/2020 this payment was for cell phone unlocking services. the stated time was 40 minutes unlocking time. at the end of the stated time, the phone was not unlocked. receivd a text message from this guy and he requested {$75.00} dollars more to complete. i told him no. the next day is when i requested a refund from him. he does not answer text messages or the refund request from the app. 

this action by the cashapp user is fraud and the company should reverse this transaction immediately. they should not be able to perpetuate this fraud. i have text messages from the individual in question i can submit as well
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

Hello, I refinanced a first mortgage on my condominium, closing date XX/XX/XXXX. I paid off the prior mortgagee, NewRez LLC, on that date. However, XXXX has not recorded the discharge of the loan at the XXXX XXXX XXXX of XXXX. 

I called XXXX on XX/XX/XXXX. They promised to email me a satisfaction letter purporting to show that they had electronically recorded the discharge of the loan with the XXXX XXXX Registry of Deeds. I did not receive it. 

I called XXXX on XX/XX/XXXX and they made the same promise. This time I received the satisfaction letter via email, however the satisfaction letter they sent was for a different loan that was discharged in XXXX. 

I called XXXX on XX/XX/XXXX and determined that the mortgage I was trying to get discharged does show as fully paid in their systems, however, the satisfaction letter attached to the relevant account in their system is for the wrong loan. Customer Service told me to contact the loan servicing department by email at XXXX. I did so. I received an automated reply via email. 

On XX/XX/XXXX I received a paper letter from XXXX acknowledging that they received my inquiry and they were working on it. 

On XX/XX/XXXX I received a paper letter from XXXX saying that they " respectfully request additional time '' to resolve the issue. 

At this point I am opening an inquiry with CPFB because I do not consent to allowing more time to resolve this issue. They were responsible for correctly discharging the mortgage several months ago. As it stands now, according to the registry of deeds, my property is encumbered by a mortgage that I do not owe, and this has a serious material effect on my financial position and ability to manage my property. I would appreciate your assistance in escalating this matter.
Consumer complaint received 2021-02-24
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. (TX)

The account XXXX  is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Consumer complaint received 2021-02-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Social Finance, Inc. (LA)

I am having an issue with my loan refinancing agency. I have refinanced my private loans through XXXX, and Sofi/XXXX XXXX. The loan is a 7 year XXXX refinance loan with an interest rate of 5.375 % fixed loan. The loan was issued XX/XX/XXXX. The initial agreement was for a $ XXXX monthly payment for a total of 54 months. I applied for the loan during my XXXX XXXX and finished my XXXX in XX/XX/XXXX. After XXXX, I pursued a fellowship in XXXX XXXX. I am currently not an XXXX XXXX and have one and a half years left before I can start getting paid like one. Since my XXXX was finished the loan reverted to full payment after 6 mths. I applied to re-instate the {$100.00} as I had not utilized the full 54 month period. However, my application was declined because the loan company had realized that my school was not a XXXX XXXX school at the time of my graduation. They told me it was an accident that they even let me refinance in the first place, as they did not check this prior to issuing my loan. However, now they are charging me about $ XXXX/month. I only make {$62000.00} yearly and am in no way able to pay this off with my current salary. I have called them numerous times and have been constantly redirected between SOFI, and SOFI/XXXX. I tried to apply for forbearance through SOFI/XXXX, and they declined my application as they reported I am do not meet the criteria for economic hardship. I then looked to refinance my current loan again through SOFI and they keep declining stating that my school is not a Title IV school so they would not make any changes on the loan. In short, the loan company is not allowing any flexibility in reducing my loan payments or restoring the original contract to {$100.00}. I know that once I do become an XXXX XXXX, I will be more than capable of paying off my loans but as it stands I currently am unable to do so. Additionally, I am unable to refinance the loan through other companies as even they believe my monthly payments would be more than my current income. Please help me address these issues, as they do not seem to care about my ability to pay the loans.