davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not complied with or conducted pre-foreclosure outreach requirements. 
Before recording the NOD, servicer must provide the borrower with a written statement outlining documents borrower may request per CC XXXX ( XXXX ) ( XXXX ) ( XXXX ), contact borrower by phone or in person to explore foreclosure alternatives and to offer a subsequent meeting, which must occur within 14 days of meeting request per CC XXXX ( XXXX ) ( XXXX ). If above contact is unsuccessful then servicer must send a first class letter, attempt telephone contact on 3 different days and times, and finally send a certified letter with return receipt requested, giving HUD counseling information per CC XXXX ( XXXX ). 
Bank of America never provided me with a document as indicated above. While XXXX sent a letter to me prior to the recording of the defective and deficient NOD recorded XXXX XXXX, XXXX, XXXX was not the substituted trustee at that time making any contact by XXXX moot as it predates the XXXX XXXX, XXXX Substitution of Trustee signed by Bank of America Assistant Vice President XXXX XXXX XXXX. XXXX had no right, as a matter of law, to initiate the foreclosure process prior to the recording of the Substitution of Trustee. Equally important, I had no knowledge that XXXX acted with authority or as beneficiary trustee prior to receipt of a XXXX XXXX XXXX Recorders Office certified recorded copy of the XXXX XXXX, XXXX Substitution of Trustee naming XXXX as the beneficiary trustee which I have not received to date. Who the XXXX is XXXX to me prior to being notified? For all I knew XXXX was XXXX of those scam debt collectors since Bank of America already decided to park and stall the MHA HAMP TPP process and had placed a Cease and Desist tag and code on the home loan mortgage account back in XXXX XXXX. 
According to Bank of America letter of XXXX XXXX, XXXX, Bank of America only attempted to contact me twice. This attempted contact was via telephone from a telephone line that gives no indication that the caller is Bank of America ( the caller ID is blocked ). If Bank of America wants to claim pre-foreclosure requirements have been met, then start with identifying yourself as Bank of America beforehand when you call. Otherwise, how is one to know the bank is attempting to make contact?
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I'd submitted a mortgage refinance application in the amount of $ XXXX with XXXX XXXX, XXXX, Producing Lending Manager from Citibank XXXX, NMLS ID # XXXX in XXXX XXXX XXXX, New York. 
On XX/XX/XXXX the application was conditional approved. 
On XX/XX/XXXX I was told that my application had been assigned to an underwriter and that the closing could be any day. 
Between XX/XX/XXXX and XX/XX/XXXX, more than 20 emails initiated by me to inquire on the status and MLO, XXXX continued to tell me that it was being worked on. Meanwhile, my application had not been reviewed by any underwriter for 5 months. 
Finally, after numerous submissions of bank statements ( 4 times ), paystubs ( 3 times ), tax returns ( 2 times ), W2s ( 2times ), heloc subordination documents ( 2 times ) the closing date was set on XX/XX/XXXX at XXXX at the bank attorney 's office. 
I arrived at XXXX on XX/XX/XXXX at the attorney 's office for closing and waited until XXXX. The closing attorney finally came to meet me and informed me that there would be no closing until Citibank could straighten out the numbers. 
I phoned and emailed MLO, XXXX and his XXXX, XXXX XXXX for the next hour and did not receive any responses. Hours later MLO, XXXX emailed me and said we could close the next day. At this point I could not believe anything anymore so I had decided to take my business to another financial institution. 
Citimortgage, the lending department and MLO, XXXX XXXX have failed to handle my application in a timely manner ( 7 months and 19 days ) and still no closing. Communications was mostly one-sided initiated by me. Citibank management on all levels did not show any care and understanding through out the 7 plus months ordeal.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2016, XXXX XXXX Account was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay XXXX full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is XXXX  years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid off my mortgage in XX/XX/2021. I have asked BofA to send me a copy of my mortgage payoff letter and my final escrow account statement. I have not received the final escrow account statement. I want it. BofA just sent me a check with no explanation. I have no way of knowing if it's the correct amount I'm due. See below for correspondence. I tried unsuccessfully to contact BofA. 


Auto Dealer XXXX XX/XX/2021 Thank you for contacting Bank of America XXXX XXXX. We have received your e-mail. 
A member of our team will get back to you within two to five business days. 

We appreciate your business and look forward to serving you, Bank of America XXXX XXXX -- -- - Original Message -- -- - From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/2021 XXXX XXXX GMT-XXXX Subject : General question about my account >I received an email notification about my mortgage payoff letter. I am unable to access the letter. Please send it to me. Also, how much was in my escrow account, and when will I get that? This is frustrating. I can not view mortgage account history. This doesn't make sense. Does BofA delete its XXXX once that year has passed? No, BofA doesn't. 
Actions : Delete | Reply
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (VA)

Hello, In XX/XX/XXXX I noticed my XXXX account was hacked resulting in more than {$520.00} in fraudulent charges being charged to my debit card on file. I reported these fraudulent charge to PNC Bank and a provisional credit was applied to my account. I changed my passwords and was issued a new debit card. In XX/XX/XXXX, PNC then reversed the provisional credit applied to my account and debit more than {$520.00} from my account. When I called the bank to dispute these fraudulent charges *again* I was informed that " my request was denied ''. These charges were fraudulent and remain fraudulent. They are not offering any recourse for addressing this.
Consumer complaint received 2020-10-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (MO)

I received a letter from XXXX XXXX, in the letter it states that Crown Asset Management is in the process of suing me got debt on a over stock XXXX XXXX account .The letter stated for debt from XXXX. I filed for bankruptcy in XX/XX/XXXX and this was not attached to my bankruptcy.I have not received any billing statements from overstock or XXXX XXXX.I feel there might be some kind of identity thief or fraud. I have called all and have not gotten any help I have asked for billing statements and Itemized debts .XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX thank you
Consumer complaint received 2017-03-11
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (MD)

My grand-daughter took out student loans. I agreed to co-sign for XXXX loan. She has not made payments on any of her loans. Navient has screwed up my credit for over 5 years by reporting to the credit bureaus negative non payment information for XXXX loans my grand-daughter took out of which XXXX I did not personally co-sign for. I have disputed this with the credit bureaus to no avail. I also disputed this with Navient. They sent documents to their Attorney for collection which actually prove I did not sign for XXXX of these loans. Navient is fraudulently trying to collect on XXXX loans I never co-signed for. They even typed my name on XXXX of the XXXX in which I never signed or knew about.
Consumer complaint received 2017-03-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Bank of America , National Association Successor by Merger to BAC Home Loans Servicing FKA Countrywide Home Loans Servicing, LP ( " Bank of America '' ) has never prepared for the last XXXX years in recordable form an assignment of the mortgage from Bank of America to XXXX trade name XXXX ( " XXXX '' ) in the XXXX, State of Hawai'i, yet has, and continues to convey in all of Bank of America 's letters, court documents, notices, motions, and correspondents for countless years that Bank of America is the debt collector, the servicer, the investor, the creditor, the mortgagee, the lender, the note holder simultaneously for many, many years, but has never prepared in recordable form an assignment of mortgage from Bank of America to XXXX in the XXXX, State of Hawai'i for XXXX years. 
Go to Attachment. 
It is obviously to late now for Bank of America to address, cure, and remedy this XXXX that 's spread for the last XXXX years! 
There is also years, and years of tangible facts, and substantial evidence these countless fraudulent, and sick deceptive practices continues to plague the land records of every Municipality/County, State, and the United States of America.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA recently elected to unilaterally change their credit card service provider from XXXX to XXXX claiming the user base would see no difference in terms. As husband and wife, we have had for some time XXXX card number and account with joint authorized use and yet individual names on the cards. Now USAA, without approval or authorization from the card user, is reissuing separate cards with separate numbers for each card user while claiming the cards ' multiple card numbers are changed but it is all within the same account. No effort was made to acquire or request agreement or authorization from the member or spouse prior to issuing the new card and specifically now XXXX with separate, individual numbers. We believe this constitutes issuing a new credit card without the user 's approval or agreement. Upon calling and speaking with Sr. account representatives, USAA has told us we have no other choice but for individual cards to have separate numbers if we want both parties to have authorized card account use. They also admitted it is, at least in part, using separate numbers to enable the tracking of credit card spending and subsequent marketing use information. This supposedly is all for the user 's protection. It is worth noting that the billing documents already reflect separate card numbers and XXXX charges while the XXXX cards have as yet not even been activated. This makes it impossible to track and confirm our own expenditures and card use without having to call USAA and ask questions specific to the charges. We believe the individual card numbers being issued absent user agreement or approval is at least unethical and perhaps illegal. We also feel it is a deliberate marketing ploy to enable XXXX, USAA or whomever to use this as an opportunity to wantonly solicit the unique cardholder against our interests or wishes.
Consumer complaint received 2016-10-11
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC. (UT)

I have student loans from 1994 from NAVIENT. I have made good faith efforts to repay, but have been unable to do so. I currently have XXXX kids in college and XXXX in high school. I am unable to pay. I sent a letter via certified mail requesting them to cease contact. I received the certified mail card back. They still continuously call me every single day, sometimes more than once a day.
Consumer complaint received 2016-04-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (PA)

They are a Florida company using a XXXX PA area code with a changed last for digits to get past my call blocker. I know this because I called back to get there automated message and did research on there company, Diversified Consultants. They have been doing this over the last mouth, starting on XXXX/XXXX/2016, the most recent call, using the number listed, being today, on XX/XX/2016. I did my research and I am SURE I owe nothing as far as debt is concerned. They have no reason to be calling me.
Consumer complaint received 2015-10-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SYNCHRONY FINANCIAL (PA)

after being XXXX injured almost 5 yrs ago my husband is completely XXXX, he spent 67 days XXXX. and 32 days XXXX, 2 yrs ago XXXX sued him [ g e money bank original credit card ] we explained how we now live off of XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in Pa. is there anything I can do. thankyou,
Consumer complaint received 2017-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

my name is XXXX XXXX and i have a mortgage with Wells Fargo the loan number is XXXX. I am bihin with my payments because last year i had some health problems and i stop working for about one month went i try to go back on track of my payments the bank did n't take my payments any more. now i try to get a modification they deny it. I only want one way to keep my house and continue making my payment. thank for your help.
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TN)

I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Since my loan was transferred I have been making every effort with Caliber to help me apply for disaster assistance, I was impacted by the Woosley Fires, and my area was declared to be in National Disaster are in XX/XX/XXXX. Caliber told me that because they did not have the disaster assistance application I could no longer apply for it. I submitted the application to the previous servicer, but my loan was transferred while in review. Caliber informed me that they did not have the application from XXXX and that I could not send it in, it was too late - they would have needed it from the servicer. I lost a good amount of time because caliber did not have my loan information for 1-2 weeks after the transfer, but still refused to postpone my sale date until they did have it. Luckily, the initial sale date for XX/XX/XXXX was postponed bc of the XXXX hold, not bc of Caliber. So I applied for a modification, since they would not review me for disaster assistance. I submitted all the requested documents by XX/XX/XXXX. On XX/XX/XXXX I was told that they needed me to change my profit & loss and to send in a lease extension. I submitted the documents on XX/XX/XXXX. 
On XX/XX/XXXX Seterus, the previous servicer had finally sent Caliber my Disaster Assistance application. 
I called XXXX on XX/XX/XXXX to advise the agent that I submitted the additional requested documents which should complete my modification application & enable me to have the sale date postponed, so that I can have my application reviewed for assistance. The response from Caliber was very concerning. I was told that they are extremely backed up and they dint know when they will be able to review the documents I submitted on XX/XX/XXXX, and that it may happen after the sale date, which he said would be unfortunate, but there is nothing he could do. Even though I submitted what I was asked to submit, they were too busy to get to it and it is actually the last day for me to submit any documents. This is not okay, I did what I was told to do and if Caliber is so backed up then they should postpone the sale date. 
I called almost every hour on the final day to submit documents, XX/XX/XXXX and my submitted documents, via email ( the fastest method ), were still not uploaded. There wad no one available to help me, I tried to escalate it & I was told that even if I submitted all my paperwork on time, to be reviewed for a modification, that the sale would not be placed on hold or rescheduled if they had not had a chance to review. I am given the run around and no options for any help, even after doing everything I was told to do, in order to be considered for assistance. On XX/XX/XXXX I was told to wait until XXXX to have an update for me, but that is only TWO days before the SALE date and they indicated they are so busy that there is nothing they can do about that. I also requested a reinstatement amount, which I never received and how can I reinstate if I wont have an update until 2 days before a sale.
Consumer complaint received 2017-10-13
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. (FL)

Equifax BLATANTLY IGNORED MY REQUESTS that they are FRAUDULENTLY as a company reporting inaccurate information on my Credit Report. I 'VE REPEATEDLY MADE THEM AWARE THAT I AM A VICTIM OF IDENTITY THEFT because of IDENTITY THEFT from the US OFFICE OF PERSONNEL MANAGEMENT DATABASE BREACH, and sent them copies of my XXXX County Sheriff 's Office police report and my FTC Affidavit, and they have IGNORED my requests to block and remove simple information from my report for SIX STRAIGHT MONTHS!!! I 've talked with Managers, sent online disputes in addition, and spoken to managers and employees at Equifax who PROMISED TO HELP ME but live in XXXX and the XXXX and are NOT even on USA soil, and NOTHING is being done! I sent Equifax the FINAL NOTICE that they WILL be served by the XXXX COUNTY COURTS FOR NEGLIGENCE against the Fair Credit Reporting Act for things listed on my report that are NOT MINE. I have included letters being sent to the FEDERAL TRADE COMMISSION AND THE CONSUMER FINANCE PROTECTION BUREAU, AS WELL AS THE ATTORNEY GENERAL OF FLORIDA, WHICH HAVE BEEN NOTIFIED THAT EQUIFAX BLATANTLY IGNORED my requests for SIX STRAIGHT MONTHS! 

I will further remind Equifax that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful noncompliance. 

THE FOLLOWING ARE NOT MY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXMY CORRECT LEGAL ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX   XXXXMy CURRENT LEGAL EMPLOYER IS : XXXX XXXXPosition : CEO Location : XXXX XXXX , XXXX Employed since : XXXX XXXX - PRESENTTHESE ACCOUNTS ARE FRAUDULENTLY REPORTING : XXXX Acct # XXXX XXXX/XXXX/XXXX $ XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX $ XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX {$260000.00}? XXXX and XXXX have both removed this from my report 5 months ago!!! Failure to respond within 30 days of receipt of that certified letter will result in small claims legal action against Equifax at my local venue. I will be seeking a minimum of {$10000.00} in damages for:1.Violation of the Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 8 ) ) 2.Violation of the Fair Credit Billing ActEquifax will be required to appear in a court venue local to me, in order to formally defend yourself.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. XXXX  and XXXX  have both removed this from my report 5 months ago.