davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (GA)

Dear Consumer Financial Protection Bureau, CFPB : I DO NOT OWE BBVA BANK NOR XXXX XXXX XXXX XXXX. BBVA BANK IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E ( PLEASE READ ), AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS.

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT ( XXXX ) FOR {$58.00} ; THUS, CREDITING THE BBVA CHECKING ACCOUNT {$58.00}.

( 2 ) REQUESTING BBVA REMOVE THE EXTENDED OVERDRAFT SERVICE FEE CHARGE OF {$23.00}.

( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF BBVA CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS.

Sincerely and Respectfully, XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I called Bank of America because I saw a refund on a payment for {$1200.00} I had made on my XXXX Visa Credit card. During the call they asked me if I had called and if I had an account with XXXX which I do not. We immediately filed a Fraud claim on the acct. From what the agent had said on the call the person who called had enough of my information to get through the security screening. We immediately got a new card issued and placed a passcode on my account. However every time I tried calling Bank of America directly I could not get through and had to use my phone app to get through to the Bank. 
On XX/XX/XXXX I got a letter from Bank of America stating that the refund to my account had been approved. Its been an ordeal and every time I call Im assured it was resolved and nothing has been. Bank of America keeps giving me then run around between the fraud department and the Customer Service dept. Last call on XX/XX/XXXX I was on a three way call between the Fraud agent and the customer service agent along with supervisors. They asked the same questions from when I filed the original claim and assured me that it would be resolved. Today XX/XX/XXXX I called since the refund that I was told would be in my account was not in there. Its been a hassle to get my money back as I had to pay the balance on my card from when all this happened.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I initiated a balance transfer of XXXX to XXXX.with my American Express credit card. Since the payment didn't appear on my mortgage statement, I contacted American Express. American Express paid XXXX XXXX the XXXX.

American Express said they would investigate ( 3-6 weeks ). I demanded that the balance transfer be cancelled and my account cancelled. 

American Express refused to send me documentation of my demand and refused to cancel my account.
Consumer complaint received 2018-07-17
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: Experian Information Solutions Inc. (CA)

I contacted Experian XXXX/XXXX/XXXX asking for the removal of inquiries that are on my report that I didn't authorize. 
I was told that by law unless their were a result of identity theft I couldn't have them remove. I was under the impression that credit reporting agencies or responsible for the data that they report and to its accuracy? 
The following inquiries I did not authorize : XXXX  XX/XX/XXXX received a solicitation letter from, probably the 5th one over the years but never used their service. 
XXXX XX/XX/XXXX and XX/XX/XXXX never heard of them but I was solicited about their products through an email but asked to be removed from their list and was then solicited through the mail with preapproved offers which I declined and never used their products. 
XXXX  XX/XX/XXXX I have no ideal who are wat they do but its on my report. I sent a registered letter which was returned and when I discussed forwarding it to Experian they told me not to bother. 
XXXX XXXX XXXX  XX/XX/XXXX solicited me for a credit card which they said I was preapproved for and I asked had they ran my credit and they said it was a soft pull and after I discovered it was a hard pull they closed the credit card. I never authorized a hard pull of my credit.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

BSI the new servicer provider did not get my account in their system properly set up. the account should be with them effective XXXX XXXX but they only set it up the account by the end of XXXX. Before that date both, the loan originator and servicer provider, refused to accept my payments. Finally the loan originator took the payments. As the account was set up retroactively BSI register the missed payments and sent me a Notice of Intent of Foreclosure in XXXX. They also assessed late fees even though I stated the payments were made. When they waived the late fees upon my request they stated they wo n't report to the credit agencies but they did. I contacted them back and then they fixed the payment date in their system and told me next month the new report to the credit agencies will correct the situation. I disputed the adverse report to the credit agencies and submit the evidence. Nevertheless BSI responded to the agencies again that I paid late and my claim was concluded by the credit agencies. Please note that, for example, BSI just reported to XXXX on XXXX XXXX even though the information in their systems is updated two weeks ago. I contacted BSI supervisor XXXX XXXX and he stated that everything was ok in the system and nothing was late as of today and that next month in XXXX XXXX they will send a new report to the credit agencies and everything will be sorted. 

I inquired about the report to the credit agencies and after state he have no knowledge about that communication with XXXX he said that it will be solved next month. I asked is there 's any process whenever they get the dispute from credit agencies and he was not able to answer. He just said that they do n't go case by case and that it will be fixed next month as part of their monthly report to the agencies. 

Im very concern about how this institution is handling the accounts as I got a notice of intent to foreclosure before receiving a welcome package with account number. I was calling very often to get the account number and they were not able to provide timeframe. When I told them the payments were forwarded to them they just said they know nothing about it and I called the loan originator who then contacted someone over there to get the checks cashed and applied. Despite this nobody check the account status to clear late fees assessed per system and I had to call them. Then nobody took care of the application for payment dates and to validate the information was not incorrectly reported to credit agencies. On top of that I initiate the claim with the credit agency and they just denied my claim, triggering the close of the claim, stating my claim was false and making their statistics look good. And now he just said that it will be fixed after XXXX XXXX.
Consumer complaint received 2015-10-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

For ten years I have been paying on this line of credit. I have beenpaying the required interest and making an additional payment onprinciple. Bank of America is now changing the terms to repayment over180 months at {$1100.00}. Which is over twice my current payment. On mySocial Security income will be impossible.
Consumer complaint received 2016-10-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Firstsource Business Process Services, LLC (SC)

This company never sent me a notice of right to dispute at all. I sent a debt validation request asking for information and they have yet to respond. They even pursued to report the debt to XXXX and had not yet validated the debt with me during this 30 day period. This is a violation of the FDCPA. I will seek legal ground if this is not stopped.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX I got a phone call today from Bank of America. Someone there now wants me to call them. No. That has not worked. I will not be put on hold. I will not be stonewalled. I will not repeat myself. I will not be bullied. I will have a record of what they say. I have a copy of their internal memo XXXX XX/XX/2016. That is Bank of America policy. They can reach me at my email address. 
I asked two questions in my original complaint to the Federal Reserve Bank. Those questions were not rhetorical. Is United States Currency not legal tender without an ID? Are people without an ID forbidden to pay thier debts? XXXX XXXX said that Bank of America policy is based on Federal law. Is it? Please, if your office can not answer the questions, who in the Federal government can?
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WA)

I applied for a refinance mortgage on my single family home in which I reside. 
I have provided information parsimoniously requested of me for the past 4 months. 
I have been strung along on this process being required to increase my home insurance coverage to accomodate Sebonic Financial requirements. I have provided XXXX appraisals demostrating I have well over 40 % equity in my home. When I began engaging with Sebonic Mortgage and Cardinal Financial process my credit rating was very good, I received this email in XXXX from the Mortgage Representative XXXX XXXX, " Finally! Thanks XXXX. I just requested update from lockdesk. I know they are slammed. Will provide update as soon as I hear from them. May not be until tomorrow though. Thanks XXXX. " On Wed, XXXX XXXX, 2015 at XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : '' Yes, we finally received the verification information. We had to get XXXX to update their records with the third party verification company. ''
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I rarely use my Bank America XXXX credit card. I used it once in XXXX ( I believe ) to buy gas for roughly {$30.00}. Because I use it infrequently, I did not recall that I had used it for one purchase. 

I did not realize that this small amount was outstanding because I did not receive a statement, nor did I receive any call, e-mail or text from Bank America. 

After approximately 30 days, they sent me an e-mail that asked me to call them in a very casual way, but did not mention that there was any issue. I called them immediately. After being informed that a small balance was outstanding, I paid them instantly. 

I later discovered that Bank America had filed a notice of 30+ days late with the major credit agencies, which reduced my credit rating. I called back and asked them to remove this since I had n't received notification, it was a small amount, and it was paid immediately. They submitted that request on my behalf and told me I 'd receive a written decision within 7-10 business days. 

I did not receive a written decision so I called Bank America. The woman told me that Bank America had found in my favor and that the adverse credit report would be removed. She said that I would receive a letter shortly stating this. 

When I did n't receive the letter ( again ) after a reasonable time, I called Bank America. This time, I was told that they had found against me and were refusing to remove the report. They said that they had sent multiple statements, but I told them that obviously I did n't receive them or I would have immediately paid such a small amount in full. 

Bank American admitted that other than the statement ( s ), they had made no effort to call me, to text me, or to contact me by e-mail. I asked why that was and the supervisor said, " You may not have given us consent to contact you ''. I did n't think that made a lot of sense. 

In my condo complex, we have over XXXX units and it 's not uncommon for mail to be misdirected. However, I can not say why I did not receive the statement. 

I 'd like these negative reports removed. I have acted in good faith and have immediately paid this small bill upon discovering that it was outstanding. I feel that Bank America did not make reasonable efforts to inform me of the outstanding bill and they provided false and misleading information when directly stating that the issue was resolved in my favor. Presumably that call was recorded.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TN)

in XXXX 2015, jcpenny used my credit without my consent, this is not the first time I have filed a previous report. Jcpenny only address the partial concern. Instead of the company taken only both inquires off, they only took XXXX inquiry off that still show up on my credit report and that is the inquiry on XXXX XXXX, 2015, from Transunion credit report. I asked the company twice to take the inquires off, and I states to them that it was XXXX of them, it has been pass the 60 days, and I am no longer waiting on another 60 days for the company to take the second inquiry off. I have every right to file another complaint.The company should have taken this very seriously when I file a compliant.
Consumer complaint received 2017-01-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (VA)

We have a car loan with Gateway One Lending and Finance. Due to our financial situation, we pay late almost every month, not 30 days late but late. Gateway will call me. I explain that they payment has been scheduled with our bank bill pay system, the date it will leave our bank and how much the payment is. They will take the information, thank me and advise that they will follow up. The next day, they will start calling at XXXX. They will call me, my husband, my work, my parents and email me multiple times. If they speak to anyone other than me, they claim they have never spoken to me, have been trying to reach me for weeks or claim that I promised they would have received payment already when that is not the case. One month after we had switched bank I tried to make a payment on their site and entered the info wrong so it was returned. I spoke to them and explained it was my error, and that my bank bill pay would send the money in the next day. They told me someone was on the way to repossess my car and the only way to stop it was to make a payment with them on the phone immediately. They also said they could not accept bill pay from banks so any payment sent that way would take weeks to post ( It takes 3 days at most ). Almost everyone that we speak to is incredibly rude.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

In XXXX, Citimortgage coerced a voluntary judgment from me for a XXXX mortgage on a home I possessed while I was still negotiating terms for loss mitigation with the XXXX lien holder. This action took place during a mediation with a mediator selected from a list they provided. I fell behind on payments as I lost my job of nearly 10 years in XXXX XXXX. I was still unemployed at the time they had me sign the voluntary judgment even though I repeatedly told them I did not want to sign it. The XXXX lienholder subsequently foreclosed in XXXX XXXX. Citi, through their third party attorneys, XXXX and XXXX, sought to have me file a notice of exemptions in XXXX XXXX based on this voluntary judgment, and I was served with this paperwork in XXXX XXXX. I responded timely with a motion to open and dismiss the judgment but my argument then was insufficient. I now see, based on the XXXX filings and now an improperly issued notice from the sheriff threatening to take my personal property if I did not respond by a date certain ( came regular US mail ), that Citi and their attorney have dealt with me unfairly, fraudulently and illegally, particularly in light of the XXXX XXXX, XXXX Consent Order to Cease and Desist foreclosure activity against borrowers with pending proceedings from XXXX XXXX, XXXX through XXXX XXXX, XXXX, and the subsequent Consent Judgment of XXXX XXXX which afforded balanced remedies and/or restitution to borrowers in this category including XXXX. I was a qualified borrower. However, I was never notified by Citi or its attorneys of the Consent Order, Consent Judgment or any potential rights or remedies I may have had under them. I believe they deliberately rushed to get the voluntary judgment against me in XXXX in order to exclude me, and they did, in fact, exclude me from being a borrower under the Consent Judgment even though I did qualify. I have suffered irreparable financial harm from CitiMortgage and its third party attorney, XXXX and XXXX by their not following the Consent Order to Cease and Desist action against me and then by excluding me from the Consent Judgment where the balance on the XXXX mortgage may have been resolved under XXXX and/or other provisions, and then by their continuing to pursue the full balance of the mortgage plus accrued interest, for which they also did not properly document the ownership of the debt.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

In XXXX XXXX I made a {$400.00} cash payment to my Macy 's credit card at department store. I received an email confirmation that the payment was received, as I always do with all payments.In XXXX XXXX, I did not see the payment posted to my acct so I called and they initiated an investigation. I was told I did not have to make any payments while the matter was in dispute and being investigated.I received a letter stating that. In XXXX XXXX I got a letter stating the payment in question was posted to my account. However, I did not see it posted. So again I contacted them and disputed this for 7 months, they refused to honor their email confirmation of said payment and refused to post it to my account. In XXXX my stmt indicated no payment due so I did not make a payment. Not being able to resolve this I had no choice but to pay it again. Later when I applied for a loan I found out they posted 3 months late payments on my credit. I contacted Macy 's again and they refused to remove it. This has affected my credit score and my ability to get a loan. Macy 's has been unreasonable and unfair. Macy 's needs to be investigated, I 'm sure this happens to a lot of people and we just give up trying to fight them, because it takes so much effort and they transfer you around to many departments. Even going to the Executive complaint office was useless. The person I communicated with was XXXX XXXX and she indicates the matter was properly investigated and that a computer glitch caused the email to be sent to me. This is absurd, coming from such a big company with massive computer systems. They should honor their own correspondence. I want Macy 's to refund me my {$400.00} and correct the negative credit reporting. I thing they need to be investigated for unfair practice, in that I 'm sure this has happend to many other people.
Consumer complaint received 2017-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint erroneously increeased mortgage payment, then created a suspense account to make payments seem late and charged late fees. 
Tho Roundpoint has admitted in writing that it had no basis for increasing monthly payment and that its action was an error, it refused to correct the payment history despite numerous oral and written requests to do so. Instead it erroneously applied two payments in excess of the amount due to one month. Then they erroneously applied all subsequent payments, which actually were received prior to the due date, as if they were paid in arrears, created a " suspense account '' charged late fees, and continue to demand money in excess of what they are owed under the promissory note.
Consumer complaint received 2016-06-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (VA)

I had an outstanding home equity loan ( HEL ) with Citibank and was about halfway through the payment cycle. However, in XXXX, I declared bankruptcy and the property that the HEL was held against was foreclosed upon by the private mortgage note holder. Since I have no other property ( real estate or personal ) that could be used as collateral, I requested that Citibank remove the lien from my credit report ; per their XXXX XXXX XXXX letter, I can request that since the property is in a foreclosed status and I have no other assets they can claim. I wrote them on XXXX XXXX, XXXX but have not heard back. I contacted the New York XXXX but CitiMortgage refuses to provide them any information.