davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I refinanced my mortgage in XXXX of XXXX from Bank of America to another company. Bank of America 's system confirmed receiving the payoff for my current mortgage on XX/XX/XXXX. Even though the loan was paid off on XX/XX/XXXX and no longer existed, Bank of America withdrew my monthly payment from my account on XX/XX/XXXX in the amount of {$1800.00}. 

XX/XX/XXXX - XXXX Bank of America when I noticed the errant withdrawal. Bank of America notified me I would be receiving a check for the amount within 10 business days. 

XX/XX/XXXX - Called into Bank of America as I had not yet received the check and initially Bank of America claimed the payment had been returned. The matter was escalated to their 'Payments Team ' which after taking a closer look confirmed that the payment had not been returned. I was informed by Bank of America 's agent that they would expedite the return of the payment and I should receive it in 3 business days. 

XX/XX/XXXX - After not having received the returned payment I went into a Bank of America center to speak directly with a representative. The representative called into their employee system to resolve the issue. At first the agent in the system said that the payment was moved into an escrow account and demanded I provide evidence of the form of payment from the refinance before they would release the funds ( information that no customer would have as those payments are handled directly between mortgage companies ). The representative at the physical location then escalated the matter to the agent 's supervisor. The supervisor identified the problem and claimed the funds would be processed and mailed out in 3 days and I should receive the check within 10 business days of that. I requested the funds be expedited or wired into my checking account ( with Bank of America ), the supervisor refused. I asked at the latest when I should expect to receive the check by mail and the supervisor said XX/XX/XXXX. 

XX/XX/XXXX - After again not having received the funds by the promised date I called into Bank of America to ask where my funds were. The agent on the phone claimed that the funds were not processed and mailed out until XX/XX/XXXX and that the funds were in the mail. 

XX/XX/XXXX - Still having not received the funds I called into Bank of America yet again. I immediately asked to speak to a supervisor and was denied. The agent claimed that the Bank of America system does not allow an agent to escalate a call but rather that he would take my information down and have a supervisor call me back later that day or the next. 

Today is XX/XX/XXXX. As of this weekend it will mark two and a half months since Bank of America errantly withdrew {$1800.00} from my account for a mortgage that was already paid off. I have contacted Bank of America 5 times and have spent 7 hours either at one of their Financial centers or on their phone system and have gotten absolutely nowhere.
Consumer complaint received 2021-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

I raised this in Complaint # XXXX ; however, the company wholly ignored this issue. I am now forced to file a new complaint because CFPB closed that complaint. 

I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX 

In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month XXXX  payments be counted toward PSLF. 

Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. 

However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} XXXX  payments. I made several inquiries about why those three months were not counted, and I have never received an update. I have contacted FedLoans about this issue with no resolution. 

I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCollect (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-02-12
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. (CA)

I have been fighting for 6 months to get this fraud account from XXXX XXXX ( XXXX XXXX XXXX ) off my report with XXXX  and equifax. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management Inc.has garnished my wages. ( XXXX ) I know nothing of this debt for XXXX XXXX XXXX XX/XX/2022 they have taken out this amount {$260.00}. This is not mine. Never heard of this debt .Could you please help me clear this matter up. and return my wages.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX am unsatisfied at the negligence and the response of American Express when dealing with this issue and previous CFPB complaint. I ask the CFPB and AMEX to read through the attached documentation to understand where I am coming from and I ask the CFPB to help stop injustices like this and I am looking to pursue legal action if this complaint doesn't settle this bizarre incident in which my rights as a consumer are protected under the CFPB yet they are being neglected and played with by American Express.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate information.
Consumer complaint received 2021-05-09
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: The Bureaus, Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation (PA)

We co-signed a loan agreement for our daughter for the XXXX school year for approximately XXXX with the New Hampshire higher education loan corporation XXXX The initial loan disclosure notice as well as the final loan disclosure notice clearly set forth that we selected the interest only payment option which reduced our loan rate from XXXX XXXX XXXX XXXX % with payment to begin as of XX/XX/22 for {$190.00} a month and if we set up auto deduct, it would reduce our interest rate further to XXXX XXXX. We are unable to set up the auto deduct and currently facing a higher interest rate of XXXX XXXX and not the bargained for XXXX XXXX  because the lender will not make the auto deduct option available until the loan is fully disbursed. By the time this happens we will incur significant interest payments as the interest compounds on the loan. 

In response, lender has acknowledged that the financial disclosure form as well as he loan terms document are incorrect but that they are not going to honor the original terms. All they advise is that they are planning to fix the disclosure form moving forward but that does not help consumers like us that signed up per the original loan documents. They violated the truth in lending disclosure act by not honoring the terms and not making it clear that loan payments would not restart until full disbursement. The XXXX XXXX XXXX was specifically designed to prevent this type of bait and switch from occurring by ensuring that key loan terms are clearly laid out in simple plain XXXX. 

We are not seeking anything different from what was included in our financial disclosure form and that the loan servicer and originator honor the original commitment. The company has acknowledged that the form is incorrect and confusing, yet refuse to honor the agreement. As a result of the clear bait and switch, we along with other hard working families will be on the hook for significant interest payments that will compound with the principal and put us in more debt.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (MN)

I am XXXX years old XXXX XXXX, XXXX, XXXX XXXX XXXX A XXXX XXXX XXXX Credit line was opened without our being being aware XXXX XXXX Contract Number XXXX  Purchased XX/XX/XXXX To XXXX XXXX A XXXX XXXX account was opened for us without our knowledge. We have learned this happened to another family in Tennessee as reported on the news.

XXXX XXXX XXXX Sales agents in XXXX  : XXXX XXXX was highly aggressive XXXX XXXX  We purchased XXXX XXXX  points in XXXX but were told it would not cost anything is we charged things to the Barclay credit card they issued. We have learned this only pays pennies on the dollar. They said we did not have to pay anything until we got our statement. Somewhere they said they charged us {$2000.00} on a credit card they issued. XXXX points for {$14000.00} was charged to the Barclaycards. I didnt know what we bought. They just said if we charged things using the Barclay credit card, then it would be all be free because we would not have to pay anything. You would pay for the purchase by using the credit card. We were there from morning until about XXXX XXXX in the afternn0on.

{$5500.00} was put on a Barclaycard in XXXX name {$9300.00} was put on a Barclaycard in XXXX  name {$7300.00} Promotional purchase {$2000.00} Promotional purchase {$30.00} Promotional purchase We then received a Welcome to XXXX XXXX   credit and thank you for an account on XX/XX/XXXXwhich I had no idea had been opened.

I cancelled the credit card shortly after the transaction XX/XX/XXXX, but I learnedXX/XX/XXXX that Barclays says I need to pay the credit card charges.

We were not even aware that the Barclay cards had been opened until we returned home. They ran our credit on our personal card and came back and said we had great credit. Without our knowledge two Barclaycards were opened.

We owe XX/XX/XXXX maintenance fee to XXXX  {$53.00} I have always paid my bills until this nightmare. I have sciatic nerve problems and I dont know what to do. I am not sleeping and dont know where to turn. I am working just to make money to try to end this.

This is Elder abuse and Elder fraud.

There was no time to read anything.
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AXOS FINANCIAL, INC. (NH)

I have been trying to receive a gap insurance refund through axos bank and XXXX for XXXX months. Both companies keep giving me the run around and say it's the other company 's issue and that i have to talk to them. And now they won't even talk to me anymore ignoring emails and phone calls. I've wasted way to much of my personal time trying to resolve this issue to no avail. It's only a XXXX dollar check but I'm a struggling father of XXXX young kids with just XXXX Income. I'm beyond fed up and I feel like there is XXXX on my side. It's so simple just send me the money owed and done I'll be out of their hair.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was removed.
Consumer complaint received 2018-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report and found an account that does not belong to me. 
XXXX XXXX XXXX is reporting a {$85.00} medical collection that states was open XX/XX/2017. I have no idea what this account is and have never entered into any agreement or contract with XXXX nor the unlisted original creditor. I contacted the company and they have failed to proved me any validation or signed contracts.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-07-29
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. (TX)

My name is XXXX XXXX on XX/XX/2020 I pulled my credit from Experian.com. numerous accounts were open without my knowledge nor consent. ( Details of these account will be found in my dispute letter ) These accounts were open after someone who broke into my car & stole my personnel info, causing me to be a victim of Identity Theft. Please remove these fraudulent accounts from my credit report as they do not belong to me.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I was not notified properly that my forbearance was expiring in XXXX. I was traveling for work in NY and had all my mail forward but it is unreliable. I have specifically requested email and/or phone calls for best way to reach me. I normally receive an email that states that my payment is due, last one I received in XX/XX/XXXX. I never received anything stated my payments were do in XXXX. I did not get notifications until XXXX/XXXX. I contacted XXXX in XXXX to put my accounts back on forbearance and specifically asked the representative if my account was not in arrears. He told me that my account was in good standing and that my accounts were not in over 30, 60, or 90 days old. I was never aware that my account was sent to credit agencies for reporting late payments. XXXX has done this to me over 3 years and they refused to remove it and cost me damages. I have worked very hard to keep my accounts current since then and have never had any over 90 days late. The one time they did not properly notify me they reported my accounts in XX/XX/XXXX. I contacted them today XX/XX/XXXX and they never take accountability and reminded them of the multiple lawsuits against them. I wanted to make sure that XXXX Manager in PA review my phone call back in XX/XX/XXXX when I was improperly informed about my account.