davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mobiloans, LLC (NC)

I received a call in  XXXX  from a company called  XXXX   XXXX   XXXX  . They are a debt collector hired  by Mobiloans. De spite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of  XXXX  for a debt that was  XXXX . I agreed to pay back the amount of  XXXX  in  3 in stallments of  XXXX . I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was  XXXX . I called the company to inquire about this and was directed to a man named  XXXX . He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the "  XXXX   XXXX . '' He wanted to know who signed the letter and I said it was only signed  XXXX   XXXX  but it was sent by  XXXX   XXXX . He then forwarded my call to  XXXX   XXXX .  XXXX   XXXX  was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took  XXXX . She said it 's not valid and you have to make payments in the amount of  XXXX . I said I could n't afford that, especially in the summer months as I am a teacher and do n't get paid in those months. She accused me of bouncing a check t o Mobiloans and  threatened th at I may very w ell be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called Mobiloans and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this  XXXX   XXXX  uses often. This is a horrible company and should be shut down. Thank you,  XXXX   XXXX
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America engaged in dual tracking me in  XXXX    XXXX  . As seen in the attached letter from Bank of America, dated  XXXX   XXXX ,   XXXX  , they had the documentation needed to process my loan modification. It states that the process should take no longer than thirty days. Instead of working on modifying the loan, Bank of America turned it over for foreclosure on  XXXX   XXXX ,   XXXX  , even though they were the loan servicer, and would continue in that role until  XXXX   XXXX ,  thirty  days after the aforementioned letter. The loan was transferred to  XXXX , and between Bank of America and  XXXX , progress was delayed allowing the HAMP program to expire. I had questioned the dual tracking in my previous complaint ( which had  two components )  and have attached a copy of that letter. When contacted by Bank of America with their research about the complaint, the representative had no reasonable explanation for the dual tracking and would have to investigate further. I was told that I would receive a hard copy of the report, as well as an email containing their findings. I confirmed the email address to insure accurate delivery. I received nothing. I have contacted the representative for Bank of America on  three seperate occasions, leaving a detailed voice message each time.. Again,  no response.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (SC)

I have a Conventional with PMI mortgage.
SunTrust Mo  rtgage  / Loan officer   XXXX   XXXX .   I believe I have been charged PMI inappropriately since the mortgage was issued based on the loan to value ratio.   I have called the local branch and was told  XXXX   XXXX  no longer works there and given a direct number to call. When I did I was told I would have to pay for another appraisal to file for discontinuance of PMI. Again my complaint that I should never have been charged PMI was politely ignored.   My appraisal document shows the appraisal at  XXXX  and the  appraiser  states that is on the low end of a scale between $  XXXX .and {$540.00} My original loan amount (  XXXX / XXXX /   14  ) was {$360.00} which equates to 72 % of the appraised value even at the lower end of the scale.   No one will discuss or admit that it is clearly below 80 % which I believe is the threshold for PMI requirements. I have copies of the appraisal Etc.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

There were errors on our closing disclosure that is causing us to pay more then the stated amount of {$00.00}. As per the  CD we were to receive {$1500.00}, but due to the errors on the CD we are n ow having to pay {$1000.00} due to a short caused in our escrow account because of the errors on our  CD., As p er  TRID " If  amounts paid by the consumer exceed the amounts specified  under paragraph ( e ) ( 3 ) ( i ) or ( ii ) of this section, the creditor complies with paragraph ( e ) ( 1 ) ( i ) of this section if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with paragraph ( f ) ( 1 ) ( i ) of this section if the creditor delivers or places in the mail corrected disclosures that reflect s uch refund no later than 60 days after consummation '' Though while a  BBVA broker as acknowledged the errors on the CD via email, BBVA has yet to refund the amounts we are short in our escrow or deliver a corrected disclosure 60 days after consummation. BBVA has instead played stupid and claimed that because the Title company will now show them proof of paying the full premium they somehow are not liable for the errors on the CD. Please find our Homeowner 's insurance cancellation letter that was sent to BBVA on or about    XXXX / XXXX /  XXXX  . Yet to dat e BBVA has refus ed to comply with the TRID as required by law.   A creditor or assignee has no liability under this section or section  1607 of this title or section 1611 of this title for any failure to comply with any requirement imposed under this part or part E, if within sixty days after discovering an error, whether pursuant to a final written examination report or notice issued under section 1607 ( e ) ( 1 ) of this title or through the creditors or assignees own procedures, and   prior to the institution of an action under this section or the receipt of written notice of the error from the obligor, the creditor or assignee notifies the person concerned of the error and makes whatever adjustments in the appropriate account are necessary to assure that the person will not be required to pay an amount in excess of the charge actually disclosed, or the dollar equivalent of the annual percentage rate actually disclosed, whichever is lower. Here  BBVA has not done so and has only demanded that we pay the shortage that was caused by the error on the CD and so that now we have to pay more than the stated amount that was on the CD. This is a direct violation of TRID and has caused us harm in that we are being forced to pay more than the amounts stated on the CD. This should entitle us to any actual damages sustained by such person as a result of the failure ( namely the {$1000.00} and ; ( 2 ) ( A ) ( iv ) in the case of  an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} however determined by the CFPB.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My XXXX XXXX Account that was " In Good Standing '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed. XXXX XXXX Credit Card Account # XXXX ... Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Credit Limit : {$7700.00} Payment History : starting XX/XX/XXXX - current I have contacted XXXX XXXX customer service dept. and also the Fraud Dept. and both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by XXXX XXXX to all XXXX bureaus to prove this fact. 
I recently filed an Identity Theft report that included XXXX unrelated XXXX XXXX accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the first 4 digits are the same " XXXX ''.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center (TX)

On the   XXXX   XXXX   XXXX   I reveived a call from an unknown number (  XXXX  ) which has since been discontinued.
The representative on the other end,   XXXX   XXXX   ( working for Premier Student Loan Center ), offered to help reduce my student loan debt by way of consolidation. This service he offered, according to him, requred an enrollment fee of {$220.00} to be made for 4 months on the  XXXX  of each month.
In order to move the consolidation request forward he required my personal information. I was n't able to submit the requested documents before the first payment ( they were submitted on   XXXX   XXXX   ) and I had been charged regardless.
On   XXXX   XXXX   I made attempts to resolve my complaints via phone (   XXXX   ) and email (  XXXX  ). However my efforts proved useless as  XXXX  said they moved my request forward and it is irreversible. I am required to pay the enrollment fees even though they do nothing to pay for my loans.
I also seek advice on how to move forward past this.
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (MN)

XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  New name for  XXXX   XXXX  but it triggered a lower credit score
Consumer complaint received 2017-05-23
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: Experian Information Solutions Inc. (CA)

In XXXX 2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.
Consumer complaint received 2017-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

in response to CFPB   XXXX   XXXX    TODAYS   DATE  XXXX    XXXX ,   XXXX   XXXX   SOC SEC  XXXX    XXXX   DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX  To  Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods   Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key p ieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.    TODAYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC  XXXX   XXXX  DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (FL)

I continue to have problems financing and my  FICA  score is continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all   XXXX   credit bureaus and none evidently care what is posted correct or otherwise.
Consumer complaint received 2017-05-22
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)

I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX  has flagged your account as Not more tha n two pa yments past due ( 2 ).   Alert Type : Potentially Negative Found On :    XXXX   XXXX   XXXX   Potentially Negative Alerts notify you when one of your accounts has reported information that may ne gatively impact your credit score.     Balance spoke to  XXXX  last payment made- way  XXXX    XXXX  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who  I relayed my request for resolution! I finally Reached  XXXX  - a  Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Last year I called Bank of America for  two  of my accounts, to try to set up a payment arrangement as I was having financial problems due to health and paying my moms rent. They said they set me up, but nothing happened. I called them and they said they could not help but sent me a letter. I asked for another letter, which they sent. All it said was We are unable to assist you. Literally that 's it.     So about 4 months ago, I spoke with someone who said if I set up regular payments to come out automa tically, after three months my accounts would be reeaged. I have made the three payments all on time, and they have not reaged my accounts. They are falling far ther and farther behind, and now the payments to bring it up to date are way out of what I can afford.     All I want from this company is for them to honor what they have said and bring my accounts up to date with a reage. Not working with me at all on this and lying everytime I ask for help has ruined my ability to bring the account up to date, and is ruining my credit. I know there are delinquencies on there that are my fault when I was unable to pay. However, I think all the last ones should be removed, and reage the accounts as promised.   Listen to the phone call from about 4 months ago. It was obviously with a newbie, as I was put on hold over and over to check answers, but she was being coached. I did n't think this company would have these unfair tactics again. Please listen to your reps and what they told me, and then just reage my account, so I can try to salvage my credit. RESPONSE BY USPS MAIL ONLY PLEASE. I want proof of everything from now on. I requested no more calls to my cell phone, and I want no more calls to my cell phone. BUT I WOULD LIKE A RESPONSE FOR A CHANGE. You are being unfair and just rude for treating me like this. Is it because I do n't make enough money? I 'm too poor for your bank? That 's what I think, even though you are charging me ridiculous fees and interest even while I was supposed to be in a program. I have received no communication and my account is still months past due.
Consumer complaint received 2017-05-23
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. (CA)

In XX/XX/2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.
Consumer complaint received 2017-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I continue to have problems financing an d my FICA score is  continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all   XXXX   credit bureaus and none evidently care what is posted correct or otherwise.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Judgment Group (MD)

I was twice the garnishment order put on to the same employer at XXXX ; with these two incidents, I vacated the judgment. I have lost tremendous money and effort to fix this issue ; the judgment group, XXXX MD, have used the social channel to make things not accurate they failed twice ; on top of that, they are still misleading my employer after the judgment vacated, they do not follow the rules, fail information to collect a small debt, with enforcement, small to them but significant to me I have XXXX kids and survive on this challenging time. I would like this not to happen again and collect some of my losses as penalties. And stop identity thieves and the way they process ; I guess there is no rule they follow after two mounts of trying ; they just send my money back as they took from garnishment, right now that money is a little bit for me, I borrow money to pay my mortgage until I vacated the judgment.
Consumer complaint received 2017-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Cascade Capital, LLC (AR)

XXXX   XXXX   XXXX  charged off a voluntary repossession on  XXXX , closed the account on  XXXX . They sold the note  to Cascade Capitol, LLC  in  XXXX , FRAUDULENTLY showing a payment as having been made in  XXXX  in order to re-open the account. There was NO payment made. The y ( Cascade ) began  reporting late on our credit starting  XXXX , continuing to present date.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One 360 has not gave me my rights as a citizen of the XXXX, to let me spend my or use my Capital One 360 Account since I open it, the excuse they gave me was I was not XXXX XXXX, I was a FRAUD And I answered all the questions correctly and they still denied me my account, for over 6 years. I think it 's been over 6 years