davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am a consumer with Bofa online mobile banking the issues I am having are XXXX the new assistant I spoke with numerous reps and they say we will put it in feedback and I waited for the update to turn OFF XXXX FROM SETTINGS AND MY definition FOR IT IS SHE IS STILL IN THE APP BUT SHE IS TURNED OFF OR REMOVED FOR THE ACCOUNT AS A CONSUMER WHO NEVER LIKES TO FORCED WITH A SERVICE ON A 3 YEAR OLD PHONE THAT CAN NOT SUPPORT THAT SERVICE FROM MY experience FROM USING THE APP IS SLOW AND YOU ARE responsible FOR THE UPDATE AND FIXES AND MAKING OLDER DEVICES HAVE options TO TURN OFF FEATURE THAT CAN CRASH THE APP AND MAKE IT unresponsive TO USE WHILE ON THE GO AND I NEED A CLEAR explanation WHY YOU ARE NOT listening TO CONSUMERS ABOUT FIXING THE ISSUE THAT CONSUMERS ARE HAVING WITH THEIR OLDER DEVICES THAT STILL SUPPORT THE OS ON THEIR AND FROM MY RESEARCH FROM OLD APP WAS STABLE CPU ( Central Processing Unit ) WAS IN A STABLE STATE BEFORE XXXX WAS RELEASED AFTER A MOUTH SHE WAS RELEASED AND MY CPU WAS BAD AND I AM HAVING A UNSTABLE PHONE TO USE ONLINE BANKING I CALLED THE REP AND HE WAS ABLE TO REMOVE IT BUT SHE CAME BACK AND MY CPU WAS SO BAD I SAID NO MORE THIS HAS TO BE A UPDATE FOR OLDER PHONES TO BE ABLE TO TURN OFF NOT unenroll HER SHE WILL BE ON YOUR ACCOUNTS PAGE I WANT TO BE ABLE TO TURN HER OFF IN SETTINGS BUT SHE WILL BE IN THE APP BUT NOT TURNED ON WHICH MEANS NOT ON THE ACCOUNTS PAGE HAVE AN UPDATE AND GIVE A CLEAR EXPLANATION WHY YOU ARE REFUSING TO RELEASE A UPDATE FOR OLDER DEVICES THAT SUPPORT THE OS BUT NOT THE SUPPORT FOR THE NEWER PHONES HAVE BANK OF AMERICA FIX YOUR APP FOR OLDER DEVICES AND GIVE A CLEAR EXPLANATION OF WHY NOT RELEASING A UPDATE FOR OLDER DEVICE I GIVE XXXX OR BOFA APP 1-10 STARS FOR NOW UNTIL ITS FIXED.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (MI)

My XXXXXXXX XXXX XXXX was used without my authorization and consent as a result of identity theft, It is effecting my XXXX XXXX score as it is reporting usage of {$430.00} on a limit of {$500.00}, none of which I used. I want XXXX to report my card as paid in full today to XXXX.
Consumer complaint received 2021-06-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

I mailed Santander on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am a Bank of America customer, and I used my debit card for gas and there was {$1.00} hold placed on my account. When that transaction finally posted for the full amount, the bank rearranged the order of all my recent transactions which caused my account to look like it was overdrawn and then charged me a {$35.00} overdraft fee even though my account had plenty of money in it. At the beginning of the business day on XXXX/XXXX/15 my account was fine and when I informed the manager that the over draft jus showed up today he stated that the account was overdrawn on the XXXX/XXXX/15 but I just could n't see it. I believe this is an unfair business practice. To rearrange the order in which things post and then not even make it visible to me so that I can properly manage my account makes me feel like I 've been robbed. This should be fraud. This is the second time now they 've don'e this to me and they refuse to refund my money.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

I have been paying on my Chase credit card without fault since opening the account in XXXX. it has an APR of around 21 %, but was mostly at 19 or 20 %. I've called Chase regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$210.00} ), and 65 % of the monthly payment ( currently around {$140.00} ) is going toward interest! not 21 %, which is the actual APR. 

currently, I have a balance of around {$7600.00}, and with a minimum payment of {$210.00}, my most recent statement says it would take 23 years to pay off this account, and I would end up paying a total of around {$20000.00}. 

when I speak with Chase card representatives, they do not seem to be able to explain this at all. 

if you plug these numbers into a debt repayment calculator, a {$7600.00} balance, paid at {$210.00} a month, with a 20 % APR, this shows an estimated payoff time of 53 months ( 4.5 years ), and with a total interest of {$3800.00}, so I would end up paying a total of around {$11000.00}, which is just under half the amount of what Chase says I would pay. 

I would like to be reimbursed for all of the years ( since XXXX ) that I have paid this astronomical apparently 65 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated. 

Interest per year I have paid to date : Total interest charged in XXXX {$0.00} Total interest charged in XXXX {$24.00} Total interest charged in XXXX {$0.00} Total interest charged in XXXX {$620.00} Total interest charged in XXXX {$590.00} Total interest charged in XXXX {$500.00} Total interest charged in XXXX {$1300.00} Total interest charged in XXXX {$680.00} Total interest charged through lifetime of account to date : {$3700.00} 45 % ( the 65 % APR I have been paying minus the 20 % APR that I signed up for ) of {$3700.00} is {$1700.00}. this is the approximate excess amount I have paid since XXXX. ( since the APR changed from 19 % to 21 % it would require further investigation to discover exact amount. )
Consumer complaint received 2019-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX/XXXX  XXXX  # XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-05-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I applied for and was granted forbearance during the Covid pandemic. All loan modification paperwork was sent back to the mortgage and approved, however it was never processed and I was never notified. I continued to make my mortgage payments not knowing the mortgage company was applying those payments to the months during the forbearance period. For the last 6 weeks I have repeatedly asked for a COMPLETE payment history from the beginning of my loan including escrow only payments that I made but they have sent only partial history. I have called the VA and they too have tried to retrieve the information and their requests have gone unanswered. Any help would be appreciated.
Consumer complaint received 2018-02-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CT)

My name is XXXX XXXX, and I am disputing a debt through HUD, that I feel OCWEN is responsible for. I have attempted to contact OCWEN and HUD many times. I am in the process of disputing this loan through the treasury department. When the property was sold, the attorney, XXXX XXXX was provided one loan number through OCWEN and I was never notified that an additional payment was due. I was never contacted by HUD representative during the time I owned the property. I feel that I am a victim of predatory lending and in immediate need of assistance as the next steps are garnishing wages. Please contact me as soon as possible.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. XXXX even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, XXXX reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TN)

I took classes at university of XXXX and all classes were paid by student loans or grants. I have pictures from their web site saying all classes taken were paid also showing a XXXX balance on the payment screen! Yet they are reporting to experian that I owe them {$4700.00} written off. {$4700.00} past due as of XXXX. This is not correct! I even withdrew before the withdraw date so as to not owe them money! How can their website say one thing and then report another and they get their money directly!
Consumer complaint received 2019-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

I have reached out to see if they could correct an error on my credit report. the staus on th report reads " Payment after charge off/collection Settled - less than full balance " it should read " Paid As Agreed '' Account XXXX Account XXXX
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

When B of A sent me a notice last fall that my mortgage payment would be increasing over $ XXXX/month I called the to find out why. What ensued was 9 months of purgatory trying to resolve it. Dozens of phone conversations lead nowhere so I wrote a lengthy letter, enclosed copies of many months of statements, and a spread sheet detailing what I was billed, what I paid, etc. RESPA regulations state that B of A has 5 days to respond acknowledging receipt of my complaint and 30 days to come up with a resolution. I never received acknowledgment of the packet I sent, and of course, there was no following letter with a resolution. 

This angered me so I complained on your website as well as 3 other government financial websites. My complaint through you resulted in it being forwarded to B of A 's Regulatory Complaint Servicing department to a Mr. XXXX XXXX. He contacted me and promised to research and come up with some resolution. His resolution ended up being to close the file doing nothing and telling me I was wrong and B of A was right. One of the things I asked for was restoration of credit scores that were damaged with B of A 's incorrectly reporting late payments and missed payments He did that research before even finding out what was wrong and making corrections. So, of course, the result in B of A 's eyes is they are correct. 

The problem was an escrow issue. After Mr. XXXX closed the complaint file, I called Escrow again, and was fortunate enough to connect with a highly professional, experienced and knowledgeable rep there who, after my spending some time convincing her there was indeed a problem there, she took one more look and agreed with me. She turned the account over to her manager, who made the corrections that night, reversed late fees, and within what seemed like just a day 's time my escrow analysis was corrected and my monthly payment dropped by $ XXXX/month from what the originally demanded. 

My complaints are 2-fold. There has been a RESPA violation by B of A never responding in any way to my original complaint. 

Mr. XXXX XXXX, who was charged with finding a resolution, phoned it in. In other words, was negligent. 

I told gave Mr. XXXX a list of resolutions I wanted. All that is left is an apology in a letter that is not computer generated and that is hand signed and snail mailed to me..
Consumer complaint received 2019-06-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Hi CFPB, I signed up for an account with US Bank where I would receive {$300.00} after having two or more deposits totaling {$2000.00} or more in the first sixty days of account opening. I have fulfilled this requirement but have yet to receive my {$300.00}, and US Bank is not holding up to its end of the promise and honoring the promotion. Could you please look into this for me? I do not feel like this is how a bank should treat a customer.
Consumer complaint received 2023-05-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2023 someone stole my Bank of America credit card and made a fraudulent purchase of {$860.00} with XXXX which is a vendor I have never used. I called the Bank of America on XX/XX/2023 and reported that my card was stolen and Bank of America told they would remove this fraudulent charge. Later on XX/XX/2023 Bank of America added this fraudulent charge back onto my credit card account. I called Bank of America on XX/XX/XXXX and asked them why they had added this fraudulent charge and they told me I had to pay for this even though my card was stolen. I would like Bank of America to re-remove this {$860.00} charge from my account.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and Equifax. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under XXXX XXXX XXXX, XXXX XXXX, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, XXXX XXXX XXXX underscores XXXX 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per XXXX XXXX XXXX ( A ) ( XXXX ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, XXXX XXXX XXXX mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to the purposes listed under section XXXX. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under XXXX XXXX XXXX, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Consumer complaint received 2018-01-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My wallet was stolen from my home by someone I know on XX/XX/ at XXXX XXXX He took one credit card and purchase was rejected, then he tried another and made two purchases at XXXX and XXXX for {$30.00} and {$73.00} claiming it was his girlfriend 's credit card at XXXX XXXX, dba XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone XXXX. He attempted to make another purchase for {$93.00} about 10 minutes later which was rejected and I was notified by fraud department at XXXX. I went to XXXX and they showed me the signed charge slips. I told them I had denied all charges and that it was a stolen credit card. I then went to Sheriff 's Office and filed complaint. The person who used credit card was arrested that same evening for credit card fraud. Then even though XXXX XXXX knew he used stolen credit cards to make these purchases, after being notified that XXXX would not honor their charges, XXXX XXXX pulled the rejected charge slip and charged the same transactions against my Bank of America credit card on XX/XX/ and even though I only had {$5.00} on account before I went over credit limit, Bank of America allowed the charges to go through. I would like both Bank of America and XXXX XXXX to be investigated on this matter.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX and XXXX  XXXX, EQUIFAX AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Requested a loan estimate from Rocket Mortgage. The loan officer claimed a purchase agreement was required for a loan estimate : Hi XXXX, If you are requesting a loan estimate then you would have to be under contract so send that signed purchase and sales agreement my way and we will get it taken care of. Otherwise if you are simply looking for an estimate of costs then I will send you a cost worksheet so let me know if that is the case. 

Best, Quicken Loans XXXX XXXX XXXX Executive Banker
Consumer complaint received 2019-06-19
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed  consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ;
Consumer complaint received 2019-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.