davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In Bank of Americas response of XXXX/XXXX/XXXX submitted to CFPB, they stated that my DTI was at 70.37 %. I asked Bank of America ( BOA ) the breakdown of the how this percentage was arrived at. The representative did not have that information and said they would get it from their underwriter. 

When they called me back a few days later they provided me with the following line items used to calculate DTI : DEBT : {$6200.00} : {$3000.00} Bank of America mortgage based on 15-year loan term for {$400000.00} {$25.00} one XXXX credit card {$31.00} second XXXX credit card {$13.00} XXXX XXXX {$25.00} Bank of America credit card {$370.00} XXXX XXXX {$2600.00} XXXX XXXX  consisting of {$2100.00} mortgage + {$520.00} estimated taxes + {$47.00} Homeowners insurance Total : Current monthly debt as calculated by bank {$6200.00}. 

INCOME : {$8800.00} No line items were provided. 


In the DEBT calculation I asked for an explanation of {$3000.00} and why they had calculated debt based on a 15-year mortgage term instead of a 30y term what I had applied for. They stated it was their mistake and could not provide me with an answer. 

In the DEBT calculation of XXXX XXXX {$2100.00} I explained that the monthly payment is {$1200.00} not {$2100.00}. No satisfactory explanation was provided. 

In the INCOME calculation I informed them that my monthly income was {$13000.00} not what they stated. They said they will have someone else look at it more closely. 

BOA stated they could not now alter any numbers nor use the hitherto submitted figures since more than two months had elapsed since my application. They asked me to apply again. 

Since XXXX XXXX, XXXX I have been trying to apply to refinance with BOAs recommended representative but they have failed to return my calls nor answer my emails. 

EXPLANATION REQUIRED FROM BOA : I fail to understand the logic of risk assumption based on {$3400.00} a month on their loan against the more secure {$1800.00} a month. 

Please explain to me why BOA is accepting a higher current DTI based on my monthly payment of {$3400.00}. 

And also why choose to ignore the dependability of a $ XXXX monthly payment against the same loan.
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MN)

My wife and I do not have ANY accounts with Wells Fargo. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously they have not done this since we still get calls. Every time we get a call from XXXX it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Wells Fargo and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Wells Fargos continued harassment activities. Tonight, I spoke with a supervisor, XXXX XXXX, that assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Wells Fargo. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.
Consumer complaint received 2017-12-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (TX)

Step 1 : What is this complaint about? 
REF : contract nbr XXXX dated XXXX/XXXX/XXXX CONNs XXXX/XXXX/XXXX added Insurance to a {$1100.00} TV purchase for {$130.00} to the {$1300.00} Promissory note conditionally until I provided copy of my Home owners insurance! 

Step 2 : What type of problem are you having? 
and now they will not back it out from loan as promised by salesman in spite of us hand carrying to store copy of Home owners policy in 48 hrs [ have receipt ] Step 3 : What happened? 
Called 4 times to get adjustment reflected on payment book or a revised loan at same terms [ XXXX at 34.04 % = $ XXXX until XXXX XXXX ] but they send me a payment book with the same amount INCLUDING insurance for {$130.00} Step 4 : What company is this complaintabout? 
conn credit corporation, inc. XXXX XXXX XXXX XXXX tx XXXXPhone XXXX corporate phone is XXXX Step 5 : Who are the people involved? 
XXXX purchase date : XXXXXXXX XXXX [ salesman ] successive operators 1. XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  in person face to face at store in XXXX TX 3. XXXX XXXX  at XXXX XXXX XXXX XXXX. XXXX credit dept transferred to cust serv transferred to insurance dept who hanged up on me 5. XXXX : verified loan amount XXXX has not been revised tp {$1100.00} which represents {$130.00} XXXXXXXX interest= {$220.00} potential or intended fraud of the inadvertent or passive customer..
Consumer complaint received 2017-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened the saving account with BOA in XXXX and at that time there was no service fee associated with it. However I just realized that starting from XXXX XXXX, BOA started charging fee on my account without any notification or justification. I understand bank XXXX change its policy to make more money, but at least it should have their customers being aware of. If I were informed, I might act accordingly to avoid that fee. I called BOA and after explaining the issue to the customer representative, XXXX put me on a very very long hold. So far the issue is still not resolved. I would not mind paying any legitimate fees but what BOA does makes me feel sick. I feel very insecure banking with BOA as the bank would charge me erratic fees without even telling.
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
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: Ad Astra Recovery Services Inc (TX)

There's a collection from ad Astra ( XXXX XXXX ) has been calling and threatening arrest for s debt that I know nothing about! I've requested proof that I received a loan ( signature, paperwork etc. ) But have received nothing! ; yet they refuse to remove it from my credit files! I block the number they call from and they just call from another number. I'm not gon na pay for something I know nothing about
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I noticed a collection account had been placed on my from XXXX XXXX. This was the first time I 'd heard from them about this debt. That same day I sent a debt validation letter via email as they said this was how they communicate. On XX/XX/XXXX, I received a letter asking me to fill out a form for identification fraud claim I made through the credit bureaus which I never did. Also, on XX/XX/XXXX between XXXX and XXXX XXXX I called  XXXX XXXX to discuss the papers sent to me about this fraud claim. A phone agent claimed I had no right to a debt validation letter from XXXX, because it had been past the 30 day window of time from their first contact, after that they proceeded to make an attempt to collect on the debt from me by telling me I had only two options which was to pay the debt or make a claim that I have no intention of paying it. They also continued by claiming that I had received XXXX 's initial letter though it was n't sent certified mail. I told them that I had not received the initial letter, the phone agent accused me of lying implying that I had received it, the phone agents implication was an attack on me in order to disgrace me. 

They further continued by stating I had no rights to dispute this debt anymore because the original creditor told XXXX it was valid, which I still have no proof of. They continued trying to collect on a debt by bullying me, despite the fact I still had not received debt validation, and demanding I remit payment or make a statement acknowledging the debt by refusing to pay it. When I kept insisting that I 'd like the information that I requested from my debt validation letter they hung up the phone in my face. 

These actions by XXXX are grossly negligent and against the Fair Debt Collection Practices Act. A collection agency may not use any false, deceptive and misleading means in connection with the collection of any debt. Nor can they use implication that the consumer committed certain conduct in order to disgrace the consumer.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

Had Fraud on my checking account for a couple of months that caused my payment to JCP to be  returned and late in the amount of {$160.00}. I submitted the documents to XXXX XXXX, spoke to them on the phone and all I continue to get is letters in the mail that does not resolve my issue. They waived the late fee and stated that since it was a bank issue do to fraud that they would remove the 30 days late. It still appears as 30 days late on my credit report and I have been denied credit numerous times because of it. I am asking that they remove the 30 day late marker on all 3 of my credit reports.
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NH)

A debt collector from XXXX contacted my husband and shared with him that he was attempting to collect a debt. Told him the amount of the debt. The call took place on Wednesday XXXX XXXX 2017 around XXXX XXXX EST. The debt collector never verified who it was that they were speaking with - never asked my husband to verify that he was myself. The debt collector just offered up my personal information.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (CO)

Re : XXXX XXXX/ XXXX XXXX XXXX XXXX ( acting as agent for XXXX ). 
Transaction : Rental of passenger automobile on XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX XXXX Airport. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Issue : XXXX/Viking claim damage to vehicle after returned. Damage to front lower bumper of approximately {$1500.00}. 
My reply : XXXX performed a 'Pre-rental inspection ' as required for renting a vehicle that is part of their 'XXXX XXXX '. Inspection showed lower front bumper damage in addition to missing 'XXXX Oil cap ' on engine. 
XXXX Response-Unable or unwilling to provide documentation other than general rental agreement copy. Would not provide copy of 'Pre-rental inspection ' form. I already was in possession of said document and failed to keep a copy of the 'Pre-rental inspection ' form that would have put an end to the issue. XXXX ' website refers to the requirement of a 'Pre-rental inspection ' form as being required. XXXX/Viking filed a claim against my auto insurance policy but my insurance company is denying claim as XXXX/Viking can not provide sufficient documentation to prove their case. 
Conclusion : Rental companies I have read do this all the time without proof, placing in collections affecting good credit standing.
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I am complaining in general about calls from XXXX companies. In this case Loan depot. I got an email that I can get XXXX percent refinance rate. The loan officer kept insisting on running my credit and said that I will have good rates if my credit is excellent. After doing all that he says I have to pay XXXX points to get XXXX percent. He could have told me before and not wasted my time. I had told him that my credit is excellent still he would not give me any numbers. My complaint is that he unnecessary ran my credit and wasted my time.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

I financed my loan thru Ally Financial in XX/XX/XXXX. I refinanced with XXXX XXXX and Ally shows my loans paid in full as of XX/XX/XXXX. I received a letter in the mail from Ally GAP stating my gap policy was canceled and a refund sent for {$790.00}. It shows the payee as XXXX XXXX who was the dealership where I purchased the car. I contacted XXXX XXXX and they said that the refund was n't received by them, but that it would come from Ally Financial. Ally Financial has told me the same thing, but said they never received it from Ally GAP. They have no clear answer for me as to when I will get the refund. It 's already been 45 days and still the same answer which is that I would receive in 45 days. I do n't think it 's fair that Ally GAP says the money was sent on XX/XX/XXXX and I 've had to wait this long without receiving or really even knowing where it 's coming from.
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (GA)

on XXXX/XXXX/XXXX i used Western Union on-line services to send my son, who is in college, some money to eat because his food card did not have any money until the XXXX of XXXX. I wired him {$20.00} at XXXX so he could have dinner. I received a wire transfer number and was told that the transaction was under review and could take up to XXXX hours. It 's XXXX and the money still is not available for my son. He missed dinner because he could n't get the money. 
I 've sent money before and have received the same message but the money has been available no later than XXXX minutes. 
I 'm paying for money in minutes and the past several times it has taken XXXX hours or more. 
When I called western union, I was told it could take up to XXXX hours. UNACCEPTABLE. 
it 's false advertising, bait and switch and taking advantage of customers.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia (VA)

I sent this company a debt validation letter on XX/XX/XXXX requesting validation for debts they 'd put on my credit report. On XX/XX/XXXX - the company responded with five letters stating that their was an error and the alleged debts would be removed from credit file within 30-45 days. Well, 30-45 days passed and the debts continued to report. So, on XX/XX/XXXX, I decided to send out a reminder to the company that they were had several accounts on my credit report that they 'd assured me would be removed. This letter went ignored. It is now.. XX/XX/XXXX and the accounts are STILL being reported.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (TX)

I had a mortgage on my home with BBVA Compass for over 20 years. Due to there errors on my loan, they stopped taking my payments. When i tried to resolve and filed a complaint with CFPD last year, they sent me a unclear explanation and my mortgage was paid off and a refund of over 9,000 $ was sent to me. I still owed 2 years on this mortgage.

On my 2016 income taxes, BBVA Compass said that i had paid them over 25,000 $ in payments. This is a blatant lie! They are doing something illegal and i dont want to be a part of it. I want this to be explained to me and the IRS why they falsly claimed these payments.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

I was trying to pay my credit card account from my savings account, which had sufficient funds in it. Chase was unable to connect to my savings account and refused the credit card payment. I attempted to pay again through the account, and was refused again. I switched to connect to my checking account, which was accepted, and made the payment and it was accepted, however i was charged {$25.00} for each of the refusal fees for a total of {$50.00} Date of first attempted payment : XX/XX/XXXX Date of first fee : XX/XX/XXXX Date of second attempted payment : XX/XX/XXXX Date of second fee : XX/XX/XXXX I was not notified of these fees, even after the payment failed, i only saw it when i checked my statement. I also had sufficient funds in my account and Chase failed to connect to my external savings account.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CO)

I was told over the phone with XXXX XXXX XXXX by XXXX in XX/XX/XXXX that my  accounts were closed. His company lied to me about services that would be available to me repeatedly in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Rather than close my accounts they quietly collected all of my remaining funds ( FRAUDULENTLY ) and then charged for 3 months more " service '' in the accounts. Now they have HARASSED me repeatedly, REFUSED TO ANSWER MY COMPLAINTS, and FRAUDULENTLY STOLEN MY FUNDS SINCE XX/XX/XXXX. The company allegedly records all phone calls and will not allow you to record them, but can not disprove my consistent and documented story. They have not responded satisfactorily to my complaints and are rude and unintelligent ( or perhaps poorly trained ) in my communications with them. This CORPORATE ENTITY is taking advantage of me, A HUMAN, AMERICAN, CITIZEN, and I demand that they and the CFPB resolve this issue promptly by immediately returning all funds in my account as of XXXX XXXX, and ceasing and desisting any and all attempts to collect the fraudulent {$60.00}. CHASE LIED AND NEEDS TO BE HELD ACCOUNTABLE!
Consumer complaint received 2020-05-26
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hello and thank you very very much for even having the time to read over my small issue. Because of this covid19 I have been slow to pay off my cards this year since XXXX however I am 100 % responsible and have tried to ask for forgiveness on some of my late payments. It is my request that you please help perhaps look into my case and see if we could please have some of those late payments forgiven. I am 100 % responsible I have kept and maintained the minimum payment balances to keep all of my accounts in the green. 90 % of my credit accounts are 100 % paid off except for about 3 of them. Can you please on my behalf try and help me erase these late payments because they are 100 % a result of Covid19.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On or about XX/XX/XXXX I discovered that Trans Union was reporting an alleged Tax Lien on my credit report known as : FEDERAL TAX LIEN, XX/XX/XXXX,  XXXX, RECORDER OF DEEDS, INTERNAL REVENUE SERVICE, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth. 

On XX/XX/XXXX I sent Trans Union a letter ( see  attached ) using Certified Mail and not only disputed this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. 

The response I received from Trans Union was they undated the file ( see attached response ). How can you update a file without sending an employ to the Court House and obtain accurate and verifiable evidence of such an account? 

It 's important to note here that on XX/XX/XXXX the Credit Bureaus agreed to remove any and all such incomplete records that were missing the above mentioned information ( see attached letter from the XXXX XXXX XXXX XXXX, XXXX ) that the CB 's agreed to comply with the Attorney Generals throughout the Country. 

It is also important to mention that neither XXXX or XXXX are reporting this alleged Tax Lien ( see inclosed reports ). 

I contacted the Clerk of Court and ask them what their reporting procedure is for reporting information to Trans Union and the Court responded that they do not directly supply or report any Court information to Trans Union unless Trans Union sends an employee to the Court House ( see attached letter from the Court ). 

I also contacted XXXX XXXX and about this allege Tax Lien and they responded that there is no record of this alleged Tax Lien in their records either ( see attached letter from XXXX XXXX ). 

Suffice to say that Trans Union needs to comply with both Federal and State Laws and delete this erroneous filing immediately and send me copy of that deletion for my records. 

Thank you for your kind consideration. 

XXXX XXXX
Consumer complaint received 2017-12-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

In XX/XX/XXXX I was having trouble making payments on my loans. I was guided by XXXX XXXX into interest only repayment for the next 3 years. I was not informed about any other methods of repayment. In XX/XX/XXXX I again had problems paying my loans, and XXXX XXXX/Navient encouraged me to go into forbearance, which cost {$150.00} every time I had to reapply. I was n't offered any other options. Here I am in XX/XX/XXXX, with a principle balance that is higher than the one I graduated with in XX/XX/XXXX. I feel that Navient had misled me into this situation by only offering or pressuring me towards repayment terms that put more $ in their pocket.