davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/19 I placed an online order with XXXX XXXX. While placing the order a screen popped up stating that I was pre-approved for a store credit card and if I opened this card I would received 25 % off of my current order, and the screen showed how much my new total would be with the discount. I signed up for the new card solely due to the advertisement and discount. When My order was place the discount for the new card ( 25 % ) was not showing. I emailed XXXX XXXX to inquire about the mistake and was told that the discount did not apply to what I purchased ( even thought it was specially marketed to that order ). When I pushed the issue and asked for the discount I was promised and for the inquiry to be removed from my credit eventually they did provide the additional discount but did not remove the credit hit. I only opened this card for that discount which was apparently a false advertisement. I feel like this was a deceiving advertisement and would like for the credit " hit '' to be removed since the card was opened under false pretenses.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

On on or about XX/XX/XXXX I contacted my mortgage servicer by phone, Shellpoint Mortgage Servicing, to request an escrow analysis because I have {$6500.00} in my escrow account after my city taxes have been paid. My city tax and fee bill of {$5600.00} was paid in full to the City of XXXX, VA on XX/XX/XXXX and thus I have paid my taxes in full for XX/XX/XXXX totaling {$11000.00}. 

I am requesting that the balance be returned to me as I already have an escrow portion of my monthly mortgage that will sufficiently cover my first half XX/XX/XXXX city tax and insurance payment. If, for example no surplus is returned to me, by the time my city taxes are due again in XX/XX/XXXX I will have approximately double what I need to cover escrow items. 

I contacted Shellpoint Mortgage Servicing again on XX/XX/XXXX by phone after they sent me only a very small check for {$150.00}, which wasn't close to the amount I expected to receive since my taxes have been paid. After multiple failed and shifting explanations to reconcile why they could not provide me with my surplus escrow, they requested I send them a screenshot over email of the publicly accessible XXXX   City website showing that my taxes and fees have been paid in full for XX/XX/XXXX, something their own escrow department would have been able to access. I sent them a screenshot of this information on XX/XX/XXXX. 

On XX/XX/XXXX I received an email in reply stating that I am welcome to pay my taxes independently but that they would not do an escrow analysis until the annual analysis was due. Further, Shellpoint would not update my tax info and that they would continue to pay my tax bill without reference to the fact that it has already been paid ( XX/XX/XXXX ) and that payment predated their most recent mid XX/XX/XXXX escrow analysis. Both facts that I have communicated on several occasions and facts that should have been revealed in their escrow analysis. 

I am simply requesting that the surplus be returned to me. I understand that they can not hold more than 2 months cushion for escrow purposes. Instead they are telling me that I can not get my escrow surplus returned to me at any point in the near future.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OR)

On XXXX I went to my local Chase bank to withdrawal money at the ATM and when I tried to do so it told me I did not have the funds. I pulled over in the parking lot and pulled up on my phone the Chase App and noticed that there were two pending transactions one for {$300.00} and one for {$500.00} for a quick pay XXXX payment that I did not do or to a person whom I do not know. I right away went into the bank and told the teller I was hacked and all my funds were gone. She handed me a business card and told me to file a claim with the phone number on the card. I called the fraud department and filed a claim for the fraudulent charges that were still showing pending on my account. The bank froze my account and I had to go to the bank on Monday and open up a knew account and close the other account. Chase has denied my claim and now tells me I owe them {$800.00}. 

Pleased help.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA Compass has charged a total of 62 Non-Sufficient Funds each for {$32.00} on our XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX. These fees are invalid and outside of the fee schedule received at account opening. Fees have been charged on transactions that did not overdraw the account as well as transactions that were refunded by merchant. BBVA Compass has since refunded only 10 of these fees. There are {$1600.00} in NSF fees outstanding that BBVA has not reversed. Out of these {$1600.00} in NSF fees, BBVA has  furthermore charged 14 NSF fees for transactions that did not leave the account with a negative balance as well as refunded ones. The invalid fees have been brought to the attention of XXXX XXXX, branch manager at BBVA Compass in XXXX, CA. XXXX XXXX contends that these fees are fair and just and in accordance with the BBVA Compass fee schedule. All communications, bank statements and the BBVA CompasXXXX fee schedule have been attached with this complaint. The Bank Manager 's contact information is provided below. 

XXXX XXXX Branch Retail Executive- XXXX XXXX CA NMLS # XXXX XXXX : XXXX Fax : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-03-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF THE WEST (CA)

I received a letter from Bank of the West that says I opened an online account on XX/XX/2022 and XX/XX/2022. 

I did not open any accounts with that bank. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2019-05-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a Jumbo Loan in the amount of {>= $1,000,000} for ( 5 ) years and Interest Only with Bank of America. I paid a deposit to  start the process and I have solid credit, solid income and assets over {>= $1,000,000} with Bank of America. The process was terrible, unprofessional and they asked me for the same information which I submitted in a timely manner on multiple occasions and they never delivered on what they promised me. I wanted ( 5 ) years Interest Only and they told me it would be no problem initially and then their terms and conditions changed like a bait and switch. At the end of the process, they told me they would only approve me for ( 7 ) years Interest Only. I never mentioned that I would accept a fully  amortized loan and the loan officer XXXXXXXX XXXX  never mentioned I was approved for a fully amortized loan and not an Interest Only Loan. I closed escrow believing I was getting a 7 years Interest Only Loan and received a 7 years Fully Amortized Loan. Bank of America needs to either change their underwriting guidelines or not be in the business of lending money to consumers of mortgages. They have many complaints against them for Fair Lending Violations and I believe this was a violation of National Fair Lending Standards. I believe they gave me a bad loan because I never asked for a fully amortized loan and now I have one. I asked them to change it because of their own mistake which they admitted verbally and they would not fix the loan. The Bank in my opinion did not treat me professionally and are in violation of Fair Lending Guidelines and I demand their underwriting guidelines be investigated and they be fined or remedy my loan and give me what I had requested. That being said, now I am applying for another loan with another lender that can be trusted.
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Reliable Credit Association, Inc. (WA)

In XXXX, I purchased a vehicle and got a loan to pay for the car. Paiding on the vehicle for the last 5 years collectively. I then in XXXX requested a personal and the financial company approved it as a secure collateral loan against the vehicle. Whereas, I requested another personal loan with the same company, they approved again as a secure collateral loan combining all secure collateral loans together. 
To date the car needs repairs, but the cost is higher than the car 's value. I spoke with the financial company regarding this. Proposing to sell as a salvage, and then use money towards loan balance amount still owing. But the financial loan officer stated I will need to pay them a fee 1st in order for them to release the title to me moving forward. I'm attempting to find out whether the financial is in compliance of such actions. The " why are they able to charge me a fee and the car is of less value then the amount still owing on my outstanding loan amount? '' Please assist and direct me accordingly to WA State consumer law ( XXXX ) or directives on identifying if this financial company is correct in business consumer processes. Thank you
Consumer complaint received 2022-03-12
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: U.S. BANCORP (NV)

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2018-10-29
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. (HI)

I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-07-25
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. (CA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2022-03-12
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: ALLIANT CREDIT UNION (NV)

Alliant CU, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2017-06-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of XXXX, Bank of America reported an open mortgage account on my credit report and listed the account as going into foreclosure. This account has already went into foreclosure and the final judgement and property sale were complete in XXXX, XXXX respectively. I have contacted Bank of America Customer Service XXXX on several occasions and told them that this account has already been resolved and that they actually own the property. At first they lied to me and told me the final judgement had been thrown out and that the case was going back into foreclosure, I asked for proof and never received anything. Twice during conversations I was escalated to a supervisor and was given a fax number to send in my documentation, both fax numbers did not pick up or allow me to send my documents XXXX XXXX / XXXX XXXX so I mailed them a copy of the final judgement and the notice of sale. I want this corrected and off my credit report, and after 5 calls to Bank of America to resolve this I have no confidence that further communications with them will resolve anything
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Since XXXX 2010, PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with XXXX and XXXX. I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then two months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA and Federal Debt Collection Act.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX they closed my account so I dont have an account number. However Ive been waiting for my check for more than 2 months and I was told that because I didnt know the check was sent back they were going to keep it. Now I have to resubmit a form to send the check but that will take another 15 days. I have so much bills I need to pay and Chase does not care they just want to keep peoples money. And the person I spoke to was the rudest person ever they dont even let you talk.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

I contacted all three credit agencies explain it was a fraudulent account on my credit report. XXXX has removed it from their account the account holder is XXXX {$620.00}. I called XXXX explain to them that this collection agency needs to provide proof of signature that I sign for this account I already knew they can not. This collection agency refuse to talk to me telling me I need to contact a lawyer that is unheard of and I'm trying to resolve something that's not mine. XXXX refuse removal from my credit profile. Anybody can open account under someone's name online but they still have to show proof of signature that's very important.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (SC)

A certified letter was sent to credit management on XXXX of 2019 for account XXXX and the amount of {$250.00} to dispute. The credit management responded by deleting the account and removing it from my credit, but unfortunately it was only removed from one bureau which was XXXX.
Consumer complaint received 2018-10-26
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

My mother passed away in XXXX of this year. I go to probate court on Tuesday XX/XX/2018 I informed XXXX XXXX of this and that I want to keep my mother 's home. They filed to foreclose on my mother 's home for a reverse mortgage a balance due of {$5300.00}. 
They won't talk with me until Probate Court. This is not fair. My mother 's home has memories that I shared with her and I don't want to lose it PLEASE HELP ME, I BEG OF YOU
Consumer complaint received 2017-06-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Northstar Location Services, LLC (MI)

On XXXX2017 a person by the name of XXXX reached out to me. When she called she stated her name was XXXX from Northstar Location Services. She stated she was calling on behalf of XXXX and asked me '' what can you tell me about that. '' I said I was in the middle of filing legal proceedings against them for failure to investigate my loans as fraud, failure to provide proof of loan validation, and failure to follow fair credit act requirements. She stated that she could help with that and asked me to provide address validation. After doing so, she informed me that she will send the information requested and the call was ended. It was n't until after my call ( which is recorded ) that I researched the company online and found that they are a debt collections agency hired by XXXX. However, I also found out that XXXX is continuing to report the account as " charged off '' " past due '' and continuing to generate monthly bills that they are reporting as not paid on my credit reports. When I called Northstar back to provide this information, I was then informed they are a debt collections agency.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Apparently I did make my payment late. It was due XX/XX/XXXX & I made it on XX/XX/XXXX. The money has been taken from my bank account, {$2000.00} Yeah I received a phone call letting me know my a payment was past due and I needed to make a payment. I explained that the payment had already been made and the money had been taken from my account. The customer service/collection person asked me for a confirmation number. I told her I did not have a confirmation number since I authorize the payment from my bank account and I can see that it has been deducted. The question is where has the money gone? I called the number on the back of my BJs/Commenity XXXX and I received a message that they were undergoing an update and it was taking longer than expected and to please call back. I tried to logon online and was not able to. It is now 12 days later and my card has been declined three times. I can not pay for my groceries or my gas at BJs or anywhere else. I am missing out on rewards that I should be getting and the biggest issue is that my payment isnt applied to my balance but they want me to make another payment. I am disgusted with Commenity bank right now and their lack of transparency of whatever the real problem has been.