davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (GA)

My name is XXXX XXXX, I have been seeking to purchase a home since last XXXX. I have researched a few down payment assistant programs that are available. After careful thought and research, I decided to pursue XXXX. 
I have been interested in purchasing the following property : XXXX XXXX XXXX XXXX, which I had under contract since XXXX/XXXX/2017 XXXX XXXX has had access to this loan since XXXX/XXXX/XXXX. I have been trying to Close on this property since, and it has been a heart-ache to say the least. 
Just to let you know I am aware that the process for XXXX is 60 days closing rather than the customary 30 day closing I have used ( Calcon Mutual Mortgage / OneTrust Home Loans ) in XXXX, GA region, because this is XXXX of InvestAtlantas preferred lenders : I was informed in the latter part of XXXX that the original Loan Originator was no longer with company, so it was transferred to another Loan Originator, the Loan Processor remained unchanged. 
Just to provide a brief run-down First, they appraised the home without including the renovations of the home. I requested to the loan originator that he re-submit the appraisal to reflect. It took them two weeks to re-submit, that was after I requested again that it be done so. 
I was scheduled to Close on this home XXXX XXXX, XXXX XXXX, and XXXX XXXX, each time I have been left in the dark by the Loan Processor, and unaware of the reason, no communication was initiated from the Loan Processor/lender of the explanation of why it wasnt going to Close. Sadly, the communication that I wouldnt Close came from my realtor and in turn he received it from the Closing Attorney. 
XXXX XXXX Close, I was informed by my realtor that the Closing attorney was advised by the lender that the loan was cancelled. When I reached out to the lender she advised that they would re-submit the loan due to the duration of the loan is too long and the new loan originator didnt want to Close, and the former loan originator is no longer with the company. 
At this point I just want my money back ( appraisal fees and earnest money at minimum ) which I have reached out to the lender and I havent received a response, other than to resubmit the loan process. 
Please assist in what I can do. 


This is address information I have of Calcon Mutual Mortgage, it comes up as OneTrust Home Loans. 

Calcon Mutual Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX OneTrust Home Loans XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (WI)

On XXXX i requested a loan with Avant. Upon receiving a denial email i called to try to find out why as i just had a loan thru them that got paid off. I was informed that that info was unavailable over the phone and the rep could submit the request for a denial letter with more detail to be mailed to me. I made that request and as of XXXX i have yet to receive such letter in the mail.
Consumer complaint received 2017-10-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I applied for a mortgage modification in XXXX XXXX with SLS, provided every required document, replied to every letter requesting additional supporting documents. Soon it will be XXXX months since I originally applied, I have called over XXXX times for an update and every time I call the XXXX XXXX says " application not complete '' I then opt to speak to a representative. I wait on hold every time I call at least XXXX minutes, speak to a customer service rep, they verify, that in fact, the most recent request for additional supporting documents has been received and tell me " the application is complete '' ; I wait and call again the following week to learn that another document that was previously submitted has now expired because the underwriter had not made a decision in the amount of time provided and as a consequence the document is no longer valid. The most recent delay was because the underwriter wanted to know why my mailing address was a XXXX XXXX XXXX of the property address ; this is when I realized that they do not have any intention of assisting me in this loan modification and that they are simply wasting time to then request the same documents all over again. I provided a letter of explanation and it was received. I called again last week and there was a question regarding my tax return, I answered the question and the representative on a recorded line again stated that the underwriter was satisfied. Today, however, I called again and today 's response was " we need another letter of explanation because the original letter is more than 90 days old ''. This sequence of events has reoccurred over and over again leading me to believe that they maliciously make it so time consuming and tedious that most people simply give up and default on they 're loan. Please note that I have never been late or defaulted on my loan in the past.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX sent two emails stating reward credits in the amount of {$75.00} needed to be used by XX/XX/XXXX. I purchased an item using my XXXX XXXX XXXX XXXX credit card to use this reward for {$74.00}. I was advised the reward would appear as a statement credit. I called mid XX/XX/XXXX since the reward credit did not appear on my statement to dispute the transaction. I was provided a provisional credit of {$74.00}. I was then charged {$1.00} as a finance charge since the balance was not paid during the dispute but this was also provided a provisional credit. I was advised on the call during the verbal dispute that I would receive a call back from the dispute team. I did not receive any verbal or written communication so I called again two weeks later for the status and was advised the dispute was closed with no details provided. This agent opened another dispute with the rewards certificate number to the dispute team. Several weeks passed and I still did not receive a letter, email, or call from XXXX. I called again and the third agent now provided a fax number to provide supporting documents and this agent stated disputes attempted to letter the account and email and it was closed again. I received no such contact from XXXX. Fax with supporting documents and details were sent to XXXX with direction from the XXXX agent. Still did not hear anything for over a week and new statement showed a balance due so called a fourth time and agent stated fax was received but no additional details from the dispute team. I was assured I would receive a letter with the dispute details. XXXX has made zero effort to contact me to resolve this dispute and potentially cause negative impact to my credit if I did not continue to call about the provisional credit. I request XXXX XXXX to respond to my multiple dispute requests.
Consumer complaint received 2021-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have noticed Capital One reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning ( dates started reporting ) and ( dates reporting ) on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Bessemer, Inc (AL)

I called this company on XXXX XXXX. The company agent stated she would investigate my concern as I informed her that the debt stated is not my debt and it should be removed. She stated I would have a letter stating the outcome of said investigation in 30 days which I have not gotten any said letter.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

Basically, a debt resolution company was able to negotiate a debt repayment to the following company : XXXX XXXX XXXX For XXXX XXXXXXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for XXXX XXXX was {$440.00}, and they have not updated or deleted the account at the three credit bureaus. The information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for the settled amount {$440.00} and a payment had to be received by XX/XX/2021. Four separate payments were sent, totaling {$440.00}, via my settlement representative/attorney, XXXX XXXX XXXX XXXX Payment was submitted via XXXX XXXX XXXX. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. 

For Truist Bank ( BB & T ) : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for Truist Bank/BB & T was {$2300.00}. They have not updated or deleted the account at the three credit bureaus. All information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for 50 % of the total due ; the settled amount accepted by your debt/account representative was {$2300.00} to be paid by XX/XX/2021. An ACH payment totally {$2300.00} was sent to your account representative on XX/XX/2021. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. Payment was submitted via XXXX XXXX XXXX. Also included in the terms of the agreement is the account would be marked settled. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. 

For XXXX XXXX XXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; Trace # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/XXXX, my mortgage with Wells Fargo Bank ( loan # XXXX ) was paid off in its entirety. To date, my escrow overage AND mortgage over payment totaling in excess of {$10000.00}, has NOT been received. It occurred to me that Wells Fargo routinely charges its customers interest on monies owed them. Moreover if Wells Fargo engages in a " pattern and practice '' of this type of behavior, the potential for HUGE ( and improper ) profit taking, would seem wrong. I submit this for your agency 's consideration. Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Dear staff I am writing regarding a problem I am having with Equifax. I am unable to retrieve my credit report and score from them using there credit monitoring products, in addition No one else can retrieve a credit report or score online I have been unable to get credit and better interest rates because no company can get any of my information from this company so I am only able to use the other burueas. I have made multiple phone calls and spent hours on hold. the agents at Equifax also say they are unsuccessful in retrieving my credit report. they stated they will put in a ticket to get it fixed. because of this I have lost the opportunities for greater credit limits and better interest rates since some companies rely on an Equifax score and report. I am now only able to use The other XXXX bureaus for credit as I stated before. this company has cost me a great deal of money and time. I want my credit report fixed. 

also note that the credit cards I currently have are not being reported to Equifax because my creditors are saying when they send over a new tradeline to Equifax it comes back with an error message or a kick back from the company. 

also note this been a problem for almost XXXX years and I have tried many times to fix this with the company, unfortunately I now have to seek help from CFPB.
Consumer complaint received 2021-01-19
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. (TX)

Disputed bankruptcy that is showing on my account. Experian stated US BKPT CT TX XXXX XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.. This is incorrect I contacted the court and they sent a letter as well as verbally stated they do not verify or certify any records with the credit agencies. When asked for method of verification Experian has failed to provide that information as well. I am requesting they provide method of verification of who they spoke to, date they spoke to this person, and documents given to them showing they verified or certified this information with a person. If they are not able to provide this as they will not be according to the court, i am requesting removal from my report.
Consumer complaint received 2021-01-19
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: Experian Information Solutions Inc. (MO)

On XX/XX/19, Experian Report attached below, shows that XXXX XXXX was deleted from my credit file and unlawfully reinserted back on my file almost an year later without notice. Therefore, Im demanding that this account is blocked and permanently removed from my credit file immediately.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

We paid off the loan on XXXX XXXX with Shellpoint Mortgage. My husband called to get instructions on how to pay off the loan and get the title and XXXX release that we need for our single wide trailer. After paying it off, my husband called XX/XX/XXXX or XX/XX/XXXX about getting the title and the lien release that we need. We have not received anything for this paid off loan. My husband called again sometime in XXXX, again we still have no documents. I called XX/XX/2020 about getting the lien release and title, the customer service rep told me that that should have already went out. She put in the request and I will have it within a normal mailing period. I called again on XX/XX/2020 to get an update about where the title and lien release was, the customer service rep said that I will need to send my request in an email. When I told her that I know I am suppose to have a lien release in 30 to 60 days, and it has been all of that plus more. She then told me that they can only provide a statement saying that the loan is paid off, not a lien release. XXXX Not sure how that works, when the lien holder has to provide a lien release showing the DMV that the lien has been paid off XXXX. She emailed the statement to my husband. I emailed my request on XX/XX/XXXX also, and still have no response or documents that I have request. The only thing we received was a letter in the mail on XX/XX/2020 saying that they are working on our request. Which I'm guessing was the email that I sent requesting an update for where the title and lien release is.
Consumer complaint received 2017-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

in XXXX we ask bank of america to refinance our loan to get a lower mortgage payment banker by the name XXXX XXXX at bank of america was helping us got the mortgage down and bank of america dismissed him so i kept calling and calling till finally time went by and i became behind on my mortgage XXXX years total XXXX dollars no way we could catch that up if someone would have answered my call this would have not happened we filled bankruptcy in XXXX for this house there was no way we could get that kind of money the bankruptcy cleared the dept of this house was granted nothing but mortgage statements was sent to me from that point on i thought how are we going to pay that then they sent a loan modification we been paying for XXXX years i think its wrong the bankruptcy cleared us now were paying more than the dept we was cleared for that 's not fair bank of america knew the dept was cleared we did n't know we were bamboozled bank of america never sent anything pretaining to this house far as to leave or turn the house over to them we would have turned it over we did'n know the attorney said the house and dept was cleared we were not responsible. The payments were not recorded to the credit bureau either XXXX years.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

XXXX Per customer service, and prior to my processing a mobile deposited check in past deposited by direct deposit to same account, CS confirmed 100 % funds will be available Monday, XX/XX/2022. 
XXXX customer service, 100 % funds will be available after processing " after midnight '' XX/XX/2022 even though I asked if XX/XX/2022 is banking holiday. CS stated, " no, it's a normal business day for Citi ''. 
1/18/2022-Per customer service, eventually escalated to " XXXX '' Acct Supervisor hold required removal " only by a branch '' while keeping me on telephone for over 1 hour while she attempted to " reach a branch '' until " no-one is available '' and someone would " call you back within 24 hours ''. XXXX gave me 2 telephone numbers and contact info per my request to XXXX XXXX XXXX and XXXX branch offices so I could attempt to continue to call for a hold release on my own. Left message XXXX for " XXXX '' to call me back. Found multiple various branch numbers ( 20+ ) online and attempted to reach a person, XXXX answered, XXXX XXXX XXXX left message for " XXXX XXXX who was to " call you back ''. No calls were received. 
XXXXAccount overdrawn, minimal funds available with check presented for payment. Attempted to call branches again, left message for XXXX XXXX XXXX who returned my call indicated he did not understand why I was informed a branch must remove this hold, as this is not correct. XXXX was to submit a compliant. Received a call from " Executive response '' XXXX XXXX XXXX XXXX voicemail to return call, returned call at XXXX, XXXX was to return my call. No call received. 
XXXXNSF fee and returned item transaction XXXX full deposit still not available. Received an alert message received, document in message box dated XX/XX/2022 stating check hold is not per teller, but is per letter. Why did I receive this XX/XX/2022? 
Called XXXX again XXXX spoke to XXXX, XXXX unavailable. message for XXXX will return my call. I've also received various email with various balance alerts. 
Citi is conducting unethical and improper practices by lying to it's customers in efforts to secure deposits, then hold funds XXXX, confuse customers, collect fees, and send back dated documents in an attempt to cover themselves for liability. My funds are still not 100 % available, I have a returned item, a fee of {$35.00} assessed, and no recourse or ability to remedy the problem. Assistance is manipulated to set up a customer so they have no ability to seek proper assistance or remedy. **NOTE document dated XX/XX/2022 was received XX/XX/2022 but dated sent XX/XX/2022.
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RGL Associates, Inc. (TX)

On XX/XX/XXXX XXXX pm, I received a recorded phone message that stated it was for me and then continued to discuss information related to their business with me, stating that they would recommend action against me, etc if I did not respond. I pushed " XXXX '' to speak with a person to get their contact information to send a CEASE AND DESIST letter. The lady who answered was very rude and refused to identify herself nor the company. She hung up on me once I tried to get the address. She also had such a horrible attitude with me and asked " Who do you think you 're talking to? '' at one point. I contacted the company again and was able to get their name and address.