davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NV)

During our application for a HARP rate reduction, our mortgage servicer, Seterus, advised us that in order to qualify for the rate reduction, we needed to be in arrears on our mortgage payments. We were current on our payments. Of course, that information is not accurate. Once in arrears, we were told that we could not be eligible for the rate reduction. Seterus initiated foreclosure. We immediately brought the mortgage note to current status and were subsequently approved for the rate reduction. However, the damage to our credit rating as a result of Seterus ' actions have been massive. 
Seterus is unwilling to return our attempts to contact or to consider removing the issue from our credit reporting agencies. 
We recorded the Seterus agent advising us to stop making payments. Seterus remains uninterested in assisting us. 
We will, in addition to this complaint, bring legal action locally in XXXX, NV against Seterus, after resolution of this complaint.
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2016 Bank Of America AKA XXXX XXXX A illegal limited power of attorney which was fabricated by who knows who tool establish legal standing at my foreclosed action see my case at XXXX under my name XXXX XXXX or Case # XXXX I am requesting Bank of America to pay me the Judgment amount of {$140000.00} Plus infliction of XXXX infliction of XXXX damage and XXXX damage Bank of America will have all the liability towards all the suffering that I had done To me in and family option XXXX I will take a legal action with many other people will result in a class-action which Bank of America would by liable
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX .... XXXX/XXXX/XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

XXXX. In 2013 I had renters staying in my home for 3 years. When they moved out I needed time to get the place ready to re rent. I chose to do loan modification. Because I am a XXXX XXXX. My husband and I needed to clean the place mow the lawn spray for termites and fleas as it was infested and paint. a company was hired by XXXX called altisource solutions. They broke into my home, they broke sliding glass doors to the kitchen, theback sliding glass doors, the front door, and broke the locks both regular lock and deadbolt off the door and replaced the regular lock and a lock box. This make the property less secure. Once inside they left a sticker on the window and when we called the number had been disconnected so we called the police. They started charging fees. Meanwhile we were in the middle of going through a mortgage renegotiation because it was so high. The home was not vacant nor was it in foreclosure and they had no rights to the property. For 2 years we have been asking to get this resolved! We filed a police report. We called many times only to be told to call and speak to our " relationship manager '' which is a joke as we have had so many of those we cant count. They have added and refuse to remove their " Maintenance '' fees which they never provided any maintenance. Today altisource called stating they tried to contact us in XXXX of 2013 by mail. ( never happened ) and gave me crazy off the wall phone numbers they said were supplied by us LOL! ( I know my own phone numbers and they have n't changed in 2 years ) Yesterday the guy called me and asked if I was the guy who was supposed to be helping me from XXXX. When I said excuse me? He said oh " this is n't XXXX? I do n't think I sound like a XXXX .... He offered to fix the damage and add it to my loan. Can you imagine? His company broke my property and he will buy materials and contract to fix it and charge it to me to pay for so I get XXXX twice. What a happy ending. I pray no one ever has to deal with XXXX or altisource solutions as they wolves in sheeps clothing pretending to be helpful all the while and XXXX as soon as you turn around.
Consumer complaint received 2018-01-16
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: AES/PHEAA (FL)

I have 12 student loans from fed loans account and one from XXXX that keep appearing and that i am no longer liable for on my credit report Open dates for fed loan XXXX XXXX, XXXX ( 13 yrs, 11 mos ) XXXX XXXX, XXXX ( 13 yrs, 2 mos )  XXXX XXXX, XXXX ( 12 yrs, 1 mo ) XXXX XXXX, XXXX ( 12 yrs, 5 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 7 yrs, 4 mos  ) XXXX XXXX, XXXX ( 6 yrs, 8 mos ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 6 yrs ) XXXX XXXX, XXXX ( 5 yrs, 4 mos ) Open dates for XXXX XXXX XXXX, XXXX ( 11 yrs, 2 mos )
Consumer complaint received 2017-03-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

After making a sizable payment ( {$12000.00}. ) in XX/XX/XXXX, my next statement noted that the next payment was n't due until XX/XX/XXXX. Even so, I have continued to make payments. I am trying to find out why the payment due date for moved so far in advance, what my balance was after the XX/XX/XXXX payment, and if they were still adding interest even if the payment was n't due for another 4 years. I would also like to know why I was n't given any choices or explanation for the changes after the XX/XX/XXXX payment.
Consumer complaint received 2016-12-04
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I refinanced my condo with XXXX 
When they had the appraisal done, it appraised for {$620000.00}. I had several financial obligations that year, because of a nasty divorce. They told me I had to have a XXXX XXXX Balloon loan, with the Bank of America. I have had this loan since XX/XX/XXXX. The principal balance is {$75000.00} at a interest rate of XXXX %. My payment is {$650.00} a month. {$110.00} goes to the principal and {$530.00} is interest. 
I have banked with the Bank of America for XXXX years. I have had several credit card accounts and this loan. I paid all the accounts off and never missed a payment on this mortgage loan. 
I was forced to retire in XX/XX/XXXX, because of a buy out. I 'm living on Social Security and a small pension. I called the bank to refinance my loan. They told me that I could n't refinance, because I 'm not working. 
She said the only thing they could offer me was a modification plan. I filled out all the information they needed in XX/XX/XXXX. I finally received a letter of congratulations!!! I was approved for a XXXX Amortization Modification Program. 
With a XXXX month trial payment of {$290.00} stating that my monthly payment amount may change over the life of my loan and could be higher than the initial monthly payment. The interest rate stays at XXXX % and my credit score can be affected by entering into a trial period or accepting a permanent modification. 
I have not paid the trial payment, because I do n't want my credit affected and I do n't agree with this plan. 
The bank told me the only option I have is to appeal the modification. 
I called to appeal, and was told there is n't anything I can do!!!!! I asked XXXX about XXXX years of loyalty to the bank. He told me that even if I was in foreclosure or missing payments I would be treated the same. He said that the bank treats everyone the same way!!!! 
The banks were given options when they were bailed out. I 'm XXXX and worked hard to maintain my credit. I feel they are holding me XXXX, because they can!!!!
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AL)

This my second complaint concerning Caliber Home Loans. Hopefully this complaint is premature, but I am sending it anyway. 
Briefly, I submitted a Loan Modification Application in XXXX, XXXX. Due to delayed written correspondence, the need to repeatedly re-submit previous documentation or submit updated/new documentation, and conflicting instructions and info, I had to file a new loan modification application on XXXX XXXX, XXXX, reciept of which which was verified by XXXX # XXXX. He indicated I would have a decision on XXXX XXXX, XXXX. My last conversation with Caliber occurred on XXXX XXXX, XXXX, when I spoke to XXXX, # XXXX. She indicated that no more documents were necessary and that I would have a decision on my new application on XXXX XXXX, XXXX. At to time has anyone indicated that the decision date of XXXX XXXX, XXXX was tentative. 
Today I call Caliber at approximately XXXX and spoke to XXXX XXXX? XXXX # XXXX, who advised that the application was still " in process '' and that there might be a decision today or a " it might take a little longer ''. I asked how much longer and he did not know. He said that that my application was received on XXXX XXXX, and that it usually takes XXXX weeks for a decision. I explained that no, I had been informed that my package was received on XXXX XXXX, XXXX ( it was submitted via email and I have a verification of receipt ). XXXX said he did not see that noted on my file, and offered no explanation of the discrepancy. He also stated that a decision might take longer because we are in bankruptcy. No one has indicated this to me in the past. 
We have lived here since XXXX, and want to continue to do so. It is our HOME. But due to my husband XXXX, our income has been reduced drastically for the last XXXX4 years and it is very difficult to make our mortgage payments in a timely manner. We filed Chapt. XXXX bankruptcy, trying to keep our home. We desperately need help, and thus my applying for a mortgage modification. 
My experience with Caliber has been the most frustrating experience in my life. Applicants can not speak to the underwriters directly. All information must be obtain through a Single Point of Contact ( SPOC ) person, who changes from call to call. Information is provided by them, then changes with no explanation, just excuses, if the discrepancy/change is even acknowledged by the SPOC. Correspondence from Caliber is still taking XXXXXXXX days from the date of the correspondence to the date it is received. 
I have diligently tried to correctly, and in a timely manner, do as Caliber has asked. In exchange, I have been given at the very least, misleading information time after time, and Caliber has not done as they said they would do. 
Due to our bankruptcy, foreclosure is not imminent, but once the bankruptcy is discharged, it is a very good possibility, if Caliber is unwilling to approve my application for modification. 
( Initial case CFPB case no : XXXX )
Consumer complaint received 2015-07-14
Product: Prepaid card — Mobile wallet
Issue: Overdraft, savings or rewards features — 
Company: Neon Newco Corporation (NV)

Netspend offers to allow customers to refer a friend to get a Netspend card and after their friend makes {$40.00} in deposits onto the prepaid card, both people are supposed to get {$20.00} each deposited onto their cards. I e-mailed the link to my domestic partner who does not have a bank account due to losing employment and having ruined credit in the wake. He clicked the link to their site and completed the application XXXX times before giving up because it had been weeks since he applied and the screen told him that his card would be here in 2-4 weeks. 2-4 months later, he decided to try to just go in through my account online and order himself a card. They linked his card to my account and we called Netspend customer service for assistance to get him the card I had sent him a referral for. The new card had to be cancelled and he was sent a different card that is his own account independent of mine. We called them this morning to inquire about our {$20.00} deposits that have not shown up ( that we could really use to help us pay the rent this month ) and they said that he did not qualify for the program because I could not have referred him because he got a card the same day I did ( referring to the XXXX linked to my account that I did not add anyone to at all! ). We spoke with a rep and a supervisor and they maintain that XXXX has been a customer longer than me and that he is not eligible to be a referral of mine. It is just frustrating that this is where my paychecks are going to now and these people are idiots, saying XXXX purchased his card from XXXX XXXX. He did not! It is the XXXX and only card he ever received from his inquiries from the referral program that XXXX of their idiotic employees sent to him. He never received any other cards on any other accounts and I never even authorized him as a user on my account. I just happened to be logged into it XXXX time when he was trying again to reapply for the card that never came. We were on the phone with them for over an hour this morning just trying to get the referral money promised by their ads ( because we are poor and need it that desperately ). XXXX has gone through so much hassle with all of this nonsense and explained it to the rude woman on the phone today. We did everything we were supposed to for the program, but never got the money promised. The lady said it could have been their software/internet issue, but refused to manually credit the reward fund to either of our accounts. After all of this trouble, I sure wo n't be referring anyone else there, that is for sure.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

Our choir has had a checking account with the same bank for many years. The account was always set up to not charge us fees. We only keep a small amount of money in the account and there is very little activity on the account. Sometime last year the bank ( PNC XXXX did a large change and began charging a service charge on business account. Our account was only set up as a business account so that we could receive free checking. That was the arrangement made by the bank manager. We received no letter regarding this change. I have been told that PNC just included the information on the statement when they made the change. I do n't think this was proper notification for a change as significant as this. Our account has very little activity and the statements went to our president rather than the treasurer. We did not see the change on the statement. We would have asked for the account to be closed if we had known about the service charge. A {$14.00} service charge makes no sense for our account. I have been trying to work with PNC to ask them to reverse the charges since we are not a business and since our agreement with the bank has always been to not charge us a service charge. I keep getting transferred to other departments and when I do get a call and I call the individual back and leave a message they do n't call me back. The bank has always worked with us to offer a free checking account. I realize that the bank has changed ownership, but I feel that the agreement should be upheld. They made a XXXX change without taking into account our situation. I can even understand the mistake, but I feel that the bank should correct the situation. As taxpayers we have helped bail the banks out when they got in trouble. I think it is wrong for them to take advantage of us in this way. I am requesting that the bank reverse the service charges and notify the collection agency that this is not a valid debt.
Consumer complaint received 2015-06-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My title report is showing a {$42000.00} XXXX lien under the name of Bank of America. This loan was paid off more than XXXX years ago. I am now trying to refinance and need this paid off lien reconveyed immediately. I also demand that I be paid the {$500.00} penalty due to me under CAL. CIV. CODE 2941 : California Code - Section 2941 : d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX hundred dollars ( {$500.00} ). -My damages will far exceed the {$500.00} you must pay me now, if my refinance is in any way delayed or does not take place as a result of Bank of America 's error in failing to reconvey title timely. 

Thank you.
Consumer complaint received 2023-09-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

XXXX  : I was in the dispute process with XXXX XXXX XXXX 

XX/XX/XXXX : XXXX XXXX ignored my dispute and sent the bill for {$800.00} to Fair Collections & Outsourcing. 

XX/XX/XXXX : Dispute was opened with XXXX. ( No stop to collections was made ) XX/XX/XXXX : I receive an email from XXXX with no subject line and no amplifying information. Attached documents are from XXXX XXXX showing a bill they had and our move out sheet. 

XXXX gave me no information regarding the dispute. I had no way of knowing whether the dispute was still open, If I was required to send more documentation, anything at all. I received no phone calls or email correspondence from XXXX since XXXX XXXX XXXX reports account to credit bureaus. 

XXXX  : I called XXXX to find out what the status is of this dispute. They told me that the case had been closed. Again, I received no correspondence alluding to this. I spoke with a representative and reviewed XXXX XXXX 's dispute attachments. In that dispute they showed a move out inspection sheet which I never received a copy of. On this check out sheet you will see additional inputs/handwriting that was not present during move out inspection. As you can see, the carpet was circled clean during inspection and later inputed " replace '' in different handwriting. The problem is the carpet was not needing a replacement during both pre and move out inspection. This carpet was practically new as you can see the lifespan that was left. XXXX XXXX claimed my XXXX dog ruined this carpet in the span of 5 months. If that was the case there would have been no error in circling the condition of the carpet during our in person move out inspection. I was not notified of the carpet replacement until XX/XX/XXXX. I moved out on the XXXX. One of the XXXX reps I spoke to felt bad about the situation and offered 20 % off the price. Knowing this was fraudulent practices by XXXX XXXX. 

XXXX XXXX I got in contact with a manager at XXXX. He stated he was going to reinvestigate this dispute. In my eyes, this account should not have even impacted my credit at this point. They want a copy of my move out inspection sheet which I did not receive a copy of. The only copy in existence is the one with fraudulent changes made after my signature. I was told that he would reinvestigate and speak with XXXX XXXX 

XXXX  : After no updates given, and my account reported to the credit bureaus I called XXXX. The manager stated XXXX XXXX reached back out and requested a copy of the original move out inspection sheet which does not exist. If I do not present this copy, XXXX deems XXXX XXXX correct. 

This is very one sided in my opinion. XXXX 's dispute process is a worthless and unfair process full of one sidedness and lack of communication. I was never made aware that the dispute was over and I had XXXX amount of days before this would impact my credit for a charge that was unethical.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Was issued a credit for XXXX in XXXXXX/XX/2015 for a fraudulent transaction. Apparently the fraudulent transaction never posted but Bank of America 's credit did. Now, in XXXX, XX/XX/2015, Bank of America decided to charge XXXX dollars back to my card to make up for the credit. My credit card # changed after the fraud and I no longer have access to those statements. However, I do believe the XXXX dollar fraudulent transaction posted and this credit is being reversed for no reason. Also, it is too late and random of an occurrence for them to justly charge me now. This should have been caught months ago.