davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (AZ)

Arvest Central Mortgage - On XX/XX/XXXX I logged into my online mortgage account with Arvest Central mortgage and noticed my monthly payment amount had increased from {$1600.00} per month to {$1700.00}. This was a shock to me, since originating my loan in XX/XX/XXXX, and since the loan had been placed with Arvest in XX/XX/XXXX my payment has not changed. 

I contacted Arvest and was told there was a lapse in my home owners insurance, as well as an escrow shortage of {$1000.00}. I have no idea why this would be, i have not changed or authorized change on my home insurance ( haven't even contacted them ) or anything else to do with my mortgage/payment since i got the loan. It is my understanding that the monthly payment covers your principal and interest, insurance and taxes ... and that a certain portion is put into an escrow account every month to be disbursed properly throughout the year when items are due ( taxes and insurance ). 

I explained what i understood to Arvest, and requested that they look into why the shortage/lapse occurred .... and advised all i want to know is why my payment increased so much. I made this request on XX/XX/XXXX, and as of today XX/XX/XXXX there has been no resolution, no clear explanation, and certainly no urgency in assisting their customer with something that simply doesn't add up. I do understand payments can increase based on taxes going up, but this doesnt justify {$100.00} increase per month. The difference in the payment seems to be the {$1000.00} from the escrow shortage that they are now trying to recoup through my monthly payment, but why was there a shortage to begin with, nothing changed? 

As im sure whoever is reading this can tell, I'm confused and frustrated. Hopefully the CFPB can help me identify what happened, or get me in contact with someone at Arvest who truly intends to help me. 

I spoke with my insurance company, title company from when i originated the loan, and the original loan company. All indications that I've received point back to Arvest being the responsible party, and the {$1000.00} shortage being caused my some mistake Arvest made. Please help
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a check for XXXX in XX/XX/2022, my account was immediately closed and to this day the funds from that check have not been returned to me. even if they took it away from my client. It has called many times to banck of America but they have not solved the problem
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I never gave any written consent to furnish any private information to any corporation. 
As of XXXX XXXX XXXXXXXX has reported an account to my credit report of {$8100.00} with zero consent from myself. 
Account # XXXX They have violated my rights and have humilated me in front of friends, family and work place. 
My credit went from XXXX to XXXX in the matter of a month do to this fraudulent activity. 
I can not apply for any of my own credit do to this fraudulent activity. 
I exercise my rights using the federal codes and demand these accounts be removed from my report immediately. 
15 US Code 1681c 15 US Code 1692
Consumer complaint received 2019-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

O

ur Lender Loancare reported us to Credit Bureaus with a late payment. This dropped my husband 's once great standing credit as well as being denied a loan. Apparently our county taxes increased which in turn changed our mortgage payment. We made all of our payments thru online banking and they were sent at the end of the month to avoid any late fees, or late payments. 

When XXXX 's payment was made they put that in a suspend account due to the shortage of approximately {$30.00}. 

Then when XXXX came around another on time payment was made. Shortly after this I received notification by mail my payment was late, so I called loancare to find out what was going on. This is when I first learned about this issue. 
At this time I had no idea it would effect our credit. It wasnt till later when we applied for a loan elsewhere and were denied that I contacted them with a letter on XX/XX/2019 to have the reporting removed. They said they could not help because they contacted me more than once. 
I did say if they tried by phone that I do not answer any " 800 '' numbers because they are typically robotic calls or solicitations. 
They were not willing to change anything and said I should contact the bureaus. Again all payments were made On time and were never late.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IA)

I discovered in XXXX of XXXX that I was being charged late fees by TD Bank Retail Card Services for my XXXX XXXX account for not paying my bill on time. I discovered upon looking at my personal bank account that although the payment completely cleared my bank account on time as a scheduled electronic payment, TD Bank was not applying my payment to my account with them until 2 to 5 calendar days after the payment fully cleared my personal bank account. According to TD Bank, my payments are due on the XXXX of every month, all of my payments were completely cleared from my account on or before the XXXX of the month. 

I also discovered that between XXXX and XXXX of XXXX I had overpaid my bill by making at least double payments by over {$130.00} dollars, but was still charged a late fee in XXXX. I have continued to pay double the minimum payment throughout XXXX in order to pay my bill down faster, but that has been eaten up by late fees instead. 

These details are as follows : XXXX 's payment fully cleared my bank account on Friday, XX/XX/XXXX, TD Bank did not post it to my account until Wednesday, XX/XX/XXXX 5 days later, causing me a late fee of {$38.00}. 

XXXX 's payment fully cleared my bank account on Monday, XX/XX/XXXX TD Bank did not post it to my account until Wednesday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}. 

XXXX 's payment fully cleared my bank account on Wednesday, XX/XX/XXXX, TD Bank did not post it to my account until Friday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}. 

XXXX 's payment fully cleared my bank account on Thursday, XX/XX/XXXX, TD Bank did not post it to my account until Monday, XX/XX/XXXX, 4 days later, causing me a late fee of {$38.00}. 

I have submitted these details to their payment verification team, but have not heard back, or received a confirmation that my message was received.
Consumer complaint received 2020-12-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NY)

In XXXX we returned our leased vehicle to the dealer as instructed. This was during the beginning of the pandemic. We were told we would be contacted by the leasing company regarding next steps. Several months passed and we did not hear anything. Finally sometime around XXXX/XXXX we were contacted about the vehicle 's inspection, completed the required forms, and were told we would receive the final end of lease terms and payment information in a separate communication. Again months passed by and we heard nothing. We eventually received a call from the lease company 's debt collection service that our final payment of approximately {$850.00} dollars was passed due. We explained that we never received any type of written or verbal communication regarding the final payment. We were told that the company had the wrong address on file ( we did move during the time of the lease ), but that we had nothing to fear as long as we paid the final bill, which we did. This completed our obligation for the lease. Unfortunately the payment was recorded as 30 days late and is now reeking havoc with our credit. Given that the pandemic caused all types of delays and that there was never any formal written communication regarding our end of lease payment we felt it wasn't fair to have our credit dinged with a late notice. We appealed to the leasing company ( see attached ) but they have been reluctant to work with us. I'm hoping this can be rectified. We have paid the lease in full and just want our credit restored by having the delinquency note removed.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I went to Santander Bank At XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2019 at XXXX XXXX   to deposit {$160.00} that I had in change. {$140.00} of it was rolled plus I had a dollar coin the rest was loose quarters pennies nickels and dimes but not enough to make a complete rolls I was told that they wouldnt take any of the change because it wasnt rolled even though there wasnt enough to make a roll I told him I find it hard to believe that the bank wont except the money and they told me it was just their policy they did however decide to take just the quarters in the dollar coin making my deposit {$150.00} but wouldnt Except the other {$5.00} and loose change I am really mad that my own personal bank would not take my money as I needed the money to be deposited because I am low on funds they told me it was their policy
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my primary checking account became overdrawn for a payment that came thru in the amount of {$600.00}. On XX/XX/XXXX I visited a branch of XXXX in XXXX, Texas and explained to the account representative what was happening and that I had every intention of covering the overdraft before the 30 days had passed. 
On XX/XX/XXXX, XXXX transferred {$670.00} out of another checking account I have, without notifying me and leaving me at XXXX, and deposited it into the overdrawn account. It has only been 22 days that the account has been overdrawn and now my other account is being put in jeopardy as I have payments that are going to be coming thru tonight. I spoke to XXXX in collections this morning, XX/XX/XXXX at XXXX, and she could offer no assistance to me. I explained to her the life changing event going on in my life, divorce, and even gave a promise to cover the entire overdraft by XX/XX/XXXX. Again, I received zero assistance from her, just an " I'm sorry Mrs . XXXX. '' I was then transferred to XXXX XXXX, collections manager, and his only resolve was that he could transfer {$200.00} back and that was all. I have a 15 year background in banking and I know that is not true. If I had over {$100000.00} in my bank account, I guarantee I would not be having these issues with Chase Bank. My accounts have been in good standing and I feel I am being treated unfairly as my banking institution, again, is not willing to help. 
Back in XX/XX/XXXX, I filed a complaint against XXXX due to not being fully reimbursed when my online banking account was compromised. XXXX was not willing to help me recover all the monies that were stolen from account, only what they could recover from the account the monies went to. After filing the complaint, I had the difference owed to me within 10 days. 
I am very disappointed in Chase Bank and will be closing my accounts once this matter is resolved.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (KS)

Thank you for your recent contact dated : XX/XX/2019.

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-20
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. (DC)

Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. 

These violation of my rights are grounds for removal. 

My rights were further violated because 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-13
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. (NY)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of account that does not belong to me or was opened without my permission. XXXX XXXX According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

submitted an application for pre-approval and uploaded personal information as instructed and made necessary disclosures. Informed by loan officer that pre-approval could not be given.When asked why, loan officer alleged that pre-approvals are system generated and is not providing a pre-approval and that alternate option would be to submit information to underwriter. Received notice of incompleteness to provide a fully executed copy of the final purchase agreement and all addenda despite not receiving a pre-approval as requested to assess possible loan amount to offer. Submitted all supporting documents in absence of pre-approval requested despite 18 USC 8 covered security 12 USC 84 ( b ) ( XXXX ) and mortgage insurance to mitigate credit risk, Bank of America discriminated my right to extend credit, excessively delayed and evaded responding by phone or e-mail nor provided adverse action letter explained denial of credit. The company has take my identifying information and impacted negatively my credit score with 2 inquires and has discriminated my right of credit. 
Loan officer alleged that credit was denied for lack of credit history and implied authorized user accounts do not qualify, but refused to answer the following questions as regarding credit history requirements. 
How many, at minimum, non-authorized user trade lines am I to have open and for how long are they to have been open before I could qualify for a loan? 
Is this the credit history a definitive statutory requirement and where at law? 
If I obtain a purchase agreement where do I deposit it? 
It has been a month of delays and the company has denied online access to view loan status and loan officer will not communicate.
Consumer complaint received 2022-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (PA)

A business account was opened at some point, and closed by XX/XX/XXXX with the closure of the entire business. New charges continued to be placed on the account after XX/XX/XXXX. My name was on the business account when it was closed. Multiple parties including members of the board of directors of the now-closed business and bank officials for the business checking account have interacted with the claiming company and/or collectors on behalf of the claiming company. Around XX/XX/XXXX I asked a collection agency rep to send me a paper statement of the amount owed and all details, and verified my home address to the rep. I never received this mail and for a long period of time the calls ceased. I believe now that the claiming company has opened up a new collection account which is negatively impacting my credit report, from XX/XX/XXXX to present. I did not even know this was back in collections because I received no notice- I only found out when denied for a personal auto loan and this has been in effect for over a year.
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My wife and I bought a second home in XX/XX/2018 with the intent to use it as an investment property. We were told by XXXX XXXX ( Loan officer with USAA NMLS ID XXXX, Manager : XXXX XXXX XXXX | NMLS ID XXXX ) prior to closing that we would have to pay PMI until reaching an LTV ratio of 80 %. We are very close to that 80 % point now and when we inquired with XXXX, the company that services the loan, about the process of removing PMI they stated that due to this loan being for an investment property it would instead require an LTV of 65 % for PMI removal based on XXXX XXXX 's guidelines. However prior to closing, USAA provided us with documents stating that we were taking a CONVENTIONAL loan and gave us documentation implying that PMI would be paid off much sooner. When I called XXXX XXXX to discuss this she again claimed that the loan was a conventional loan and that the LTV ratio was 80 % for PMI, in stark contradiction to what we are being told by XXXX. We have asked XXXX/USAA for documentation to support PMI terms of the loan prior to closing however they have not provided any response. Based on the documents that we were provided ( see attached disclosure ) prior to closing, USAA states we are taking out a CONVENTIONAL LOAN with PMI LTV ratio of 80 %. WE CLOSED UNDER THOSE TERMS and now we are faced with a huge financial penalty of ( thousands of dollars ) in the form of previously undisclosed PMI. While we are understanding XXXX XXXX 's policies regarding PMI for investment property, we were told something very different by USAA. We are concerned that USAA 's actions constitute a misleading, predatory practice by the loan originator to funnel customers towards loans with higher PMI. It feels like a 'bait and switch ' scam where we are quoted on set of terms only to find out later that those terms are completely false.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022 I received an email stating " Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account. 

Questions? Give us a call at XXXX. We're available Monday-Friday XXXX XXXX XXXX XXXX " I've tried to contact multiple times to resolve the issue but get transferred or hung up on. 
I can not access my funds on my account.
Consumer complaint received 2022-06-16
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions