davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I have been trying unsuccessfully for the last three plus months to get my PMI removed from my mortgage payment. In order to do so my home would need to be worth at least {$450000.00}. I've had XXXX different appraisals in the last month or XXXX which have come in close to or over XXXX dollars, so the equity is definitely there to get me below 78 % loan to value. I have spent over 12 hours on the phone with Caliber Home loans and call after call after call I keep getting a different story. At first it was they needed to send me a letter to sign and then me send them a check for the appraisal, this took 2 weeks we did it. Then they cashed my check and failed to order my appraisal for some reason. After countless calls and hours on the phone they tell me they need a list of upgrades which I provide to them three different times still no appraisal is ordered. Finally months later they order a broker price opinion she comes out appraises the home again well over the needed value and now Weeks later they are telling me they see an appraisal has been ordered as of yesterday. No two people have any idea what is going on with this process. To make matters worse they told me I qualified for a free appraisal and should have never been charged in the first place. I am at my Wit 's end and no longer have the strength or capability to proceed fighting with them. At the end of the day each month they delay cost me money not them so they do not care to help in any efficient manner whatsoever. It should not take more than 30 days to remove PMI yet here I am going on the fourth month trying to get this done.
Consumer complaint received 2022-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

My account has been paid except during COVID when I got an 1 month extension. They have continued to report my cred late ( ex XXXX payment due on the XXXX paid on the XXXX but they are reporting XXXX late ). I got so tired of requesting my file that includes my monthly payment history along with financial charges they completely refused to send and then removed my pano statement from the on line account then only report XXXX months statements. We have been with this company 2018. I understand we have 10 days after payment due before they apply late charge but the late charge is in excess of {$75.00} and again refused to provide information on it. however they cant report my payment late until I am 30 days late. 
I have copy of every statement ( before they removed them ), I have copy of my back statements to show my payments and a payment letter from ally that shows my payment matching my bank statements. I can not get anywhere and need your help.
Consumer complaint received 2023-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (AZ)

I had made a complaint in XXXX about this company, they responded that the late fee would be waived and that a late payment was not reported on my credit report. I went to pay off my account last week and made the payment in full that it asked for and now the company is saying I was late in XXXX thus forgoing my 90 day to pay without interest. They have charged me over {$90.00} in interest and still have a balance due of {$21.00} even though I clicked pay in full. This company is a scam to say the least.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America ( BA ) handles the unemployment payments from the State of Maryland. BA issues a debit card and the unemployment payment is deposit directy to this card. On XX/XX/2020 my debit account was hacked. A total of {$130.00} was withdrawn. The debit card account was XXXX XXXX XXXX XXXX I called the number on the BA card to report the fraud. The BA customer service rep said they would issue me a new card. However to get a refund for the amount that was fraudulently withdrawn the rep said they did not handle the refunds since this was handled by a different department. She gave me the number to call which is XXXX ext XXXX or extension XXXX. I tried calling these number for 3 days at different hours of the day. The phone system just puts you on hold. Finally I just gave up calling. I emailed BA about this issue and I go this email message I received an email from this address XXXX  XXXX  XXXX and the message below Thank you for contacting Regulatory Complaints of Bank of America . As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your dedicated point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XXXX to confirm that information. My days and hours of operation are Monday Friday XXXX XXXX  XXXX XXXX  MST. 

Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday Friday XXXX XXXX  XXXX XXXX MST. 
Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX, extension XXXX Monday Friday XXXX XXXX XXXX XXXX  MST Case number : XXXX
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CT)

Problem with combining 2 accounts on British Airways VISA points. Hello, my name is XXXX XXXX and my British Airways Membership # XXXX. Ive been trying to combine 2 accounts together ( one was opened in error by CHASE XXXX ) for over a month month. Ive opened British Airways Chase VISA credit card XXXX, Chase bank created British Airways account for me as well ( # XXXX, I can't get in to this account because I already have an account # XXXX ) lets call it account # 2. Ive contacted Chase and they told me to contact British Airways ( see response attached ). I called XXXX XXXX a month ago and was assured by representative that both accounts will be combined in to one in 3 days. I already have ( Membership numberXXXX ). Instead emails came in on XX/XX/22 to my email XXXX telling me : Thank you for getting in touch with us about your duplicate accounts.The details on your accounts do not match, so I haven't been able to do this yet.To safeguard the security of your Executive Club accounts we just need a few more details from you first.Please tell us the postal and email address you'd like to use, and send us a copy of your passport and utility bill or driving license. A link was provided. I uploaded requested information XX/XX/22, waited for response for a week, nothing. Uploaded evidence again, no response. On XX/XX/22 I called again and was on hold for 1 hour. I spoke to representative named XXXX, he told me there is nothing on my case indicating that documents came in. He put in a request again, and said response will come in 3 days. He refuse to connect me to a manager. On same day I mailed a hard copy of my request including request documents to XXXX address that was provided on website. After a week has past and no response on mail or my call, I contact XXXX XXXX again via Complaint Section on their website, uploaded requested info as well. Also Please see atachments. Please let me know what is the issue. I will be glad to clear it up. Thank you for your help. XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, phone XXXX, XXXX XXXX
Consumer complaint received 2021-10-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I just refinanced my home loan, the company Caliber Home Loans told me it would be without any money from my pocket. They were supposed to roll over my accrued escrow amount to the new loan so that I could pay my property taxes and home insurance. What they did was use my accrued escrow to lower my mortgage loan amount and thus appear to give me a lower monthly payment on the loan. They only put {$890.00} in my new escrow account and my XXXX taxes are over {$4500.00} thus creating a huge shortage on my account. They indicate that they didn't know my taxes were that amount, but the county in which I live in Florida ( XXXX XXXX ) puts up the proposed tax information early in XXXX and in fact the information was on the County website. The closing of the loan was in XX/XX/XXXX, so all they had to do was look up the correct property taxes for XXXX before disbursing the funds. Now, I will have to pay out of my pocket close to {$5000.00} which include XXXX property taxes and Home Insurance for XXXX. This will obviously create a great financial hardship on me. I was informed that my accrued escrow amount would be rolled over, there was total of more than {$4000.00} in that account. I should not have to pay all this money due to their error and not verifying the correct tax payment for XXXX.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I recently tried to wire funds from my local bank to my son 's account at Bank of America. I obtained the proper routing number fro such wire transfers. For my son 's bank account number, I used the two digit state code ( followed by the rest of his account number ) which has been required whenever I deposit funds with a deposit slip into his account. I have done this numerous times. After several hours the wire transfer was rejected and Bank of America kept {$45.00} of my funds saying " unable to apply clarify credit account number {$45.00} fee deducted. After learning to use the account number without the two digit state code, my local bank deleted the two digit code keeping all other numbers and information the same, the transfer went through to my son 's account. Since I couldn't get BOA on the phone, I went to the local branch, and the manager could offer no explanation. She confirmed that I need the two digit code for depositing funds with a deposit slip. She then contacted someone in the wire transfer office of BOA, and after waiting about 20 minutes or more, who told her that it was a fee for rejection, and maybe my local bank would cover it for me. By the way, my local bank had told me that they had never seen such a charge. I certainly don't think the local bank should cover the fee- it wasn't its fault. I am not a customer of BOA, and I can't find any authorization for them to charge a fee for rejecting a wire transfer.
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

This is a complaint against USAA for a combination of the company 's epic incompetence and deceptive business practices resulting in the improper denial of access to my accounts. Consequently, I seek your assistance in bringing an investigation against the company for a potential enforcement action. 

[ See attached letter for details. ]
Consumer complaint received 2022-05-19
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: CarMax, Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

My student loan servicer, Nelnet, is reporting my student loan as multiple accounts. So instead of one student loan account, my credit report shows 12 different accounts for different amounts. Before the pandemic, I was struggling financially and missed three payments on my student loans. However, since it shows as multiple accounts, my credit report shows 36 missed payments as opposed to 3. I need my credit report to more accurately reflect this because this is preventing me from qualifying for loans and better credit cards.
Consumer complaint received 2019-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account XXXX 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 2022-05-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXXXXXX XXXX XXXX XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX XXXXXXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2019-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (NM)

I was contacted by Premier Student Loan Center around XXXX of XXXX. I have some of the emails from them saved. They told me I could enter a program to reduce my debt and monthly payment. Naturally I thought this was great. The charged me {$600.00} plus {$40.00} a month from XX/XX/XXXX to XX/XX/XXXX. After Premier it went to someone named XXXX XXXX at XXXX XXXX  XXXX. Then from them to XXXX in XX/XX/XXXX. I seen on the news about some student loan companies being sued and noticed they ( XXXX or XXXX XXXX XXXX ) stopped withdrawing money from my account in XX/XX/XXXX. On my bank account their name shows as XXXX XXXX XXXX   XXXX CA. I called XXXX and they said I was scammed by this other company. I dont know what to do now other than file a complaint. I can show you bank statements if needed as well. I have a few more emails I tried to attach here but it wouldn't let me for some reason. Please let me know if you want me to send them.
Consumer complaint received 2022-05-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (OK)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-21
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: EQUIFAX, INC. (LA)

XXXX XXXX # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.
Consumer complaint received 2019-01-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (PA)

Sun trust Bank did not send me a good bye letter, they did not inform me that my mortgage was being sold off to another servicing department or debt collector. I was never given any information at all in reference to this matter. I need some form of accountability on the part of Sun trust bank. After 15 years of payments to them and trying to work out a loss mitigation plan to help me keep my house they have done very little for me as a customer of this length of time. Have them get back to me soon as I still have no access to my old account. I am locked out of the system and do not have my XXXX form or any other financial information to file for tax purposes and for my personal record keeping. This is predatory lending tactics at best and there are laws in place now to protect homeowners.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

I had a checking account and debit card with Citi Bank. Unfortunately, my card was lost and then stolen. I used to wear fanny packs, which held my debit cards, ID, and business cell phone. I lost the fanny pack, or left it somewhere and couldn't locate it. An unknown person found it and decided to make a purchase using my card which wasn't authorized by me, the sole account holder. I contacted the bank, worked with fraud and disputes to dispute the amount. Initially, the bank advised me that I would get a credit and the claim would be investigated and closed within 10 days. I became paranoid and removed all my funds from that account. I later found out the claims department was closing my claim and finding me at fault. This was a shock to me, and the total opposite of what an FDIC-insured bank should be doing. I requested documents and proof of the investigation, which I wanted to provide to the FDIC and Federal Reserve as a violation of Federal Regulation E. Instead of providing me with any concrete document proving I spent the funds, they sent me up the ladder of customer service reps who had their hands tied. I even got to an escalations team who did nothing but treat me with disrespect and berate me. I was even called a " SIR '' several times, even though on a recorded line I advised the representative that I am nonbinary and identify as them/they. When I explained this to the supervisor the agent connected me to, I heard him giggle at me and or about me when he thought he put himself on mute. When I said, " I can hear you ... '' I was placed on hold with music immediately. I was later reported to XXXX XXXX and XXXX as owing a balance to them for the disputed amount and for account abuse. In no way did I abuse my account. This negative reporting has prevented me from getting a bank account. It has affected my life and livelihood.
Consumer complaint received 2019-10-15
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: CURO Intermediate Holdings (NV)

I have pulled a copy of my XXXX  credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is XXXX MANAGEMENT. I shows two different dates of XX/XX/18 and XX/XX/18. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!