davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOUSLY FILED CFPB COMPLAINT ( S ) AGAINST YOUR SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX, ET. AL. I HAD THIS BANK OF AMERICA ( " BOA '' ) CREDIT CARD SINCE THE YEAR OF XXXX, AND I HAD NEVER EVER BEEN LATE WITH A PAYMENT, AND/OR EVEN EVER MISSED A PAYMENT, AND ETCETERAXXXX IT WAS NOT UNTIL NEGATIVE CREDIT INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT WAS WHEN YOUR SO-CALLED BANK OF AMERICA HAD DECIDED TO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA,  CLOSED MY BOA CREDIT CARD ACCOUNT WITH ITS HIGH CREDIT LIMIT. YOUR BOA HAD ALSO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA, LISTED MY MINOR DAUGHTER, " XXXX '', AS A CO-OWNER/CO-BORROWER OF MY BANK OF AMERICA CREDIT CARD ACCOUNT ( S ). EVEN AFTER I HAD REPEATEDLY STATED TO YOUR BOA, THAT MY DAUGHTER, " XXXX '', WAS MINOR, THEREFORE, COULD NOT BE LEGALLY RESPONSIBLE AND/OR LEGALLY ASSOCIATED WITH ANY CONSUMER CREDIT CARD ACCOUNTS, ET. AL. I HAD ALSO STATED TO YOUR SO-CALLED, BOA, THAT THERE WAS/IS ONLY ONE PERSON/INDIVIDUAL THAT WAS/IS EVER ASSOCIATED WITH SAID BOA CREDIT CARD ACCOUNT, WHICH WAS/IS, ME, XXXX XXXX XXXX XXXX!!!!!!!!.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX. I have written several letters to XXXX XXXX to resolve this matter.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX XXXX, and Experian. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Hello there are Two Bankruptcy on my Equifax report where I have no Bankruptcy on XXXX and XXXX so why are two BK showing on my credit file I disputed and they came off my Equifax then a 3 month later they added the BK back on How can Equifax report a BK and XXXX and XXXX   dont have a BK for me this is A Huge Mix up Im going to hire a Lawyer to help me also I been disputing the matter for 1yr 1/2. Can you please help me also I can show you proof I have no BK on XXXX  and XXXX.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : It has come to my attention that a creditor has marked one of my current Credit Accounts as Late. This would be considered inaccurate. I would like to have this investigated and removed. I have never been late on my payments. XXXX XXXX has listed my main account as late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
This would be inaccurate as I have always paid the bill in full and on time. 
XXXX XXXX even offered to open a second card in my name in honor of my great payment history. Which they did! And it reports to the bureau as pays on time! 
Please remove these late marks, immediately Home Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX NC XXXX Accounts : XXXX XXXX XXXX - LATE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACCT # XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX - DOB : XX/XX/XXXX
Consumer complaint received 2016-03-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (OH)

I have requested my money from HSA Bank ( R ) is a division of Webster Bank, N.A., Member XXXX XXXX and they told me it will take up to 30days for me to get my money. The bank refused to let me speak to anyone else.
Consumer complaint received 2015-08-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Fay Servicing, LLC (FL)

XXXX XXXX XXXX XXXX lender Fay servicing # XXXX need bank to alleviate the extras fees and expenses that was added for my primary loan for the amount of {$270000.00}. now owing apron {$350000.00} plus {$17000.00} due at the end of XXXX years. Take in consideration this loan had a second mortgage for {$69000.00} that was settle with collection agency. 

Please know that I Purchase property XXXX on XX/XX/XXXX for {$340000.00} XXXX ( second ballon mortgage XXXX ) {$270000.00} ( first ) and {$69000.00} ( second ) I have been trying to be qualify for loan modification since XXXX since that time my primary lender XXXX sold loan to XXXX XXXX XXXX since then I been working with lender for a loan modification ; I Was placed several trials and after handwork and disputing with the bank who took five years to modify my loan I finally got it. In the middle on the XXXX loan to be modify XXXX XXXX XXXX sold the XXXX loan to XXXX mortgage and took long time to finally modify first mortgage. The XXXX mortgage was sold to a collection agency for {$88000.00} approx I thanks XXXX I negotiated and settled the account XXXX Now XXXX added lots junk fees and other fee that not sure where was coming from that make me to dealing with a predator lender bank is adding all the junk fees back to the loan making me owed more that what is the property worth at the current market.. I owed according to XXXX XXXX XXXX approx $ XXXX all modification paper was sent I contacted lender to explain to me in detail where all this extra fees were coming from ; why my loan is more than previous balance when was originated. i understand that was late on my payment but was not my fault when i was paying my trial and bank took long time to finalize the loan modification. Adding too much money for a property is still underwater and now more than previously. I feel that XXXX XXXX is a predator lender and put me in an very bad financial situation. it feels like will never pay this loan its balance will never ended.. Finally I received a letter where XXXX XXXX XXXX sold the loan to Fay financial servicing like it was a brand new loan with a extremely higher amount.. Would like to know if this is not what we call predator lender and why XXXX XXXX XXXX penalized me so hard increment my loan where it would never be paid. An asking the CFPB to please help me to investigate why XXXX XXXX XXXX charged me so much on extra fees making owing more on a property that will never recap its value.. I need to get some reduction on this overcharged /junk fees amount now I have been charge with.. Also my current monthly payment will be increased for the next 4 years to a monthly payment that probably could not afford. 

any help will apreciatethank you
Consumer complaint received 2018-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

cosigned for student loans in XXXX for XXXX XXXX XXXX. I contacted Navient in XXXX requesting release as cosigner. O was told he had to have proof of education. Months of trying to track this down yielded no results as the school has closed and no records are located at the state department. I again contacted navient and was told XXXX needed to make the request and his loan didnt require education proof. He did so. The request was denied stating he needed proof of education and 12 consecutive on time payments immediately proceeding request. He had a late payment because he didnt receive a statement after we started this process at which time he put the payments on autopay and brought act up to date. Navient was again contacted after this letter and questioned why the denial as he was told proof of education not needed and the reason he had late payment in 10 years. Navient responded stating he does not need proof of education but he did not have 12 consecutive payments immediately preceding the request. We feel cosigner should be released based on navient keeps changing reasons for denial. XXXX has made on time payments for over 10 years. Their website indicates you need 12 consecutive payments but does not say immediately preceding request. He has proven his credit worthiness over the last 10 years, has a good credit rating, and a steady income and to which proof was provided. We so feel they didnt send statement on purpose so cosigner could not be released. Navient customer advocates ( XXXX XXXX + XXXX ) do not return numerous phone calls despite their statements for us to call them.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I have been following up with American Express for almost a month now and they have failed to issue a refund they owe me in the amount of {$19000.00}. In their letter dated XX/XX/2019 ( See Attachment ), they assured me that the refund was wired to my bank account on XX/XX/2019. 

IT IS XX/XX/2019 AND THEY HAVE NOT STILL WIRED THE AMOUNT TO MY BANK ACCOUNT!!!! THIS IS ABSURD!!! THEY ARE COMMITTING FINANCIAL FRAUD AND SITTING WITH MY MONEY FOR A MONTH NOW!!! 

I DO NOT WANT THEIR HOLLOW APOLOGIES AND PROMISES. THEY NEED TO RETURN MY MONEY IMMEDIATELY AND ALSO PAY FOR THE DAMAGES AND HARDSHIPS THEY HAVE CAUSED.
Consumer complaint received 2022-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (GA)

BB & T, now Truist bank, has financed a loan for a vehicle in which has been deemed a total loss. The insurance company and I have been trying to obtain a guarantee of title to settle this claim, payoff the debt, and allow me the freedom to obtain another vehicle. This has been ongoing since XX/XX/2022. Neither of us have been successful. All of our phone calls, after extended holding periods of over 45 minutes, are unanswered, transfered, or disconnected. The insurance company and I have sent emails and fax as well as left multiple voicemails about this subject and all have been followed by no returned communication. It is now XX/XX/2022 and we have not had 1 form of communication. I also went into the XXXX XXXX branch in person and sat with a banker for 45 minutes as he was on hold with their internal services number. He was unsuccessful as well. I need this matter resolved as soon as possible.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

I filed for a bankruptcy, I kept the house and the cars, I filed for a loan modification with chase bank, I was making payments everything was on time. 
All of sudden chase bank sent me papers to and asked for more information. 
I sent in all the information with supporting documents. 
To my surprise, chase sold my mortgage to a different companyNow the new company sent me documents almost doubled my mortgage with noexplanation. 
I was already having problem making the payment I was making with chaseneed help asapthanks
Consumer complaint received 2019-05-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MS)

I have been back in school since XXXX of XXXX. I transfered schools from XXXX XXXX XXXX to XXXX  University for XXXX in XXXX of XXXX. I have called the school and asked that they update my status as a XXXX XXXX XXXX and they stated that they did several times already. I have call Navient several time to let them know that I am in school and that I shouldn't have to make my monthly payments. I was told in XXXX or XXXX that in order to get my account up to date I had to pay the past due amount which was around two- three hundred dollars. When I told him I couldn't pay that he said that was the only way to get my account current, unless I do a forboance. I reluctently agreed because I didn't want my credit damaged any further by having my student loan payments showing late. As of today I am in grace peroid but I have captialized intrerst on my account for XXXX and XXXX because I was all but forced to take a forboance to get my account up to date.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

we have been trying to refiance since last XXXX.we sent in everything that they requested from us, now today I get a letter stating that since I have not been late with my payment of which is XXXX every month at XXXX interest rate that I do n't gualify we liveon a fixed income of pension from my husband and social security for XXXX us besides we have XXXX mortgage the second is XXXX so I pay every month XXXX every month besides our every month bills all I want is to reduce our interest so we can survive a little better we ca n't get help from harp and XXXX act of which I do n't understand why please can you help us XXXX.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WI)

i just ran a credit report on myself, and could not print an online copy due to what seems like identity fraud. I have seen on my report from equifax that someone has opened a mortgage loan as well as a a car loan and credit card under my information, when I have n't done this.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

Equifax is reporting an account that does not belong to me on my credit file. XXXX XXXX XXXX XXXX # XXXX I disputed with them and they are stating that the company validated this debt. This is incorrect the debt does not belong to me. I have disputed this debt with XXXX and they XXXX deleted the debt because the COMPANY NEVER VERIFIED I. Equifax refuses to remove this debt. I 'm asking Equifax to either provide me and the CFPB with the proof that XXXX is validating this debt reporting or DELETE IT FROM MY FILE. this incorrect reporting is damaging to my credit file
Consumer complaint received 2021-07-05
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: Neon Newco Corporation (NC)

I had 2 unauthorised dedits from my netspend card.one on XX/XX/XXXX for XXXX and one on XX/XX/XXXX for XXXX.i filed a complaint with the company and supposedly their investigating transaction fraud.their dragging their feet
Consumer complaint received 2019-05-20
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. (IL)

Hello I been disputing an auto loan on my Equifax report for one year and a couple month and Equifax did not never send many anything was verify with signature. I know you guys has access to my XXXX and XXXX and you can look and see there is no car from XXXX XXXX and I never this account. I see where XXXX XXXX  is on my credit report and I dont even know who that is. XXXX XXXX is on my report I never knew XXXX XXXX  had a card and I know this is a mix up because the bill was paid and I did not pay XXXX XXXX   anything because i never had a card with them. I see XXXX  XXXX   is on my report this is not me a mix and this is hurting my credit. Can you please reinvestgate and help me.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

I called Shellpoint Mortgage Service on XX/XX/XXXX and requested a payoff statement of my arrears that I owed in my XXXX  XXXX payment plan. My arrears as well as late payments penalties and escrow was paid off by XXXX XXXX XXXX in the amount of {$59000.00} which was more than the arrears that I owed on the loan. Unfortunately, when I called back on Friday XX/XX/XXXX, I was given the runaround by XXXX and the manager XXXX in the Shellpoint bankruptcy department because I am XXXX. I was told that I couldn't a payoff of my arrears in my bankruptcy. XXXX said to me in a rude manner, I don't care what you think you owe; but we can't give you a copy of anything showing that the account is payed off. Also, XXXX said, your loan was paid off by XXXX XXXX XXXX and you didn't pay anything. I asked XXXX to speak with the manager and initially XXXX screamed and said No! Once I spoke with XXXX the manager, I requested a copy of my payoff and a copy of my deed of trust and XXXX refuse to give it to me. I had to call and speak with another representative on XX/XX/XXXX and he gave me a copy of the payoff and deed of trust. 

Nevertheless, I called this morning XX/XX/XXXX and asked for my current XX/XX/XXXX Statement. XXXX in the bankruptcy department informed me that I don't have any statements and my account was in an audit and said they sent me a letter indicating this which is not true. XXXX informed me that I am no longer own my home and I am responsible for the debt because I filed a XXXX XXXX and I don't have to make any more payments because the property is not mine. XXXX was very sarcastic and said you filed several bankruptcies and you don't own the property. XXXX further said that I need to get in touch with my attorney because I will not be receiving any more statements and that my account is under audit because I don't own my property.
Consumer complaint received 2017-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is the result of job fraud. Capital one is holding me responsible for the following transactions XXXX/XXXX/XXXX {$3400.00} XXXX/XXXX/XXXX {$3700.00} XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$4000.00} XXXX/XXXX/XXXX {$1100.00} These we XXXX XXXX purchased which XXXX XXXX XXXX XXXX depleted the cards XXXX I reported this to the police and filed a report in XXXX XXXX once I realized something was not right.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion, XXXX and XXXX has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Between XX/XX/2019 and XX/XX/2019 Ocwen Mortgage returned three mortgage payments to me. The dates of the payments were XXXX XX/XX/2019, XX/XX/2019, and XXXX XX/XX/2019. I had no clue the payments were not processed. I sent the funds to get my first mortgage up to date. Instead Ocwen sat on the funds for 30-60 days before returning the uncashed checks to me. Each letter returning the checks had no date on them. But each letter was postmarked between XXXX XXXX and XXXX XX/XX/2019 If Ocwen wants timely payments, why are they sitting on my payments before returning them? Now I'm further delinquent with additional fees charged.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (IL)

I asked Military Star Card to update my account status to XXXX and submit the correct information but they have not ; the payment status still states XXXX past due, making my account look delinquent ; the account was paid in full on XX/XX/2019 ; however, this account on XXXX keeps stating 120 days past due on status. I contacted Military Star to correct it but they keep stating they sent the letter but I have not received the paid in full letter nor have they update my credit to proper status but continue to change info to incorrect further dropping my credit score
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian , & XXXX are reporting late payments that are incorrect. I was not indeed late and they have provided no evidence to prove that I was late. Furthermore I can not be late on an account that is funded with a security that is my financial asset.