davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have an equity loan with BOA for the last 15 years in the amount of XXXX which will endon XXXX XXXX, 2015 with never a late payment. I now have notice from BOA that my newpayment after XXXX XXXX will be XXXX or XXXX times the previous amount. Is this amount? 
fair? I have a XXXX year old father who will be out on the street if this happens.Please adviseme.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One sent me a notice about Fraud on my card and it wasn't. I added an authorized user to my card and then I removed the person. The removal triggered the alert. I'm not upset about that because the person and I were previously in a relationship. What I am upset about is when I called Capital One about the issue and that the person and I are no longer in a relationship, they still want me to provide a Social Security Card and Drivers license copy of the person. I called XXXX to let them know that I've asked for the information to provide them, but the person refused as we're no longer in a relationship. I provided all the information I needed to as the primary card holder and owner and XXXX verified my information is correct, but they are still asking for me to provide the authorized users info which I can't. I've called several times and have spoken to serveral supervisers and the same impossible request is being made of me. When I asked to cash out my points on the card so I can close it, they told me I can't do anything with the card until I provide them the information. All I can do is just close the card and lose all points I've built up on the card because of their impossible request for sensitive information from someone I'm no longer involved with.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 Bank of America closed my account without warning. My ending balance was about {$11000.00}. When my debit card declined at the store, I called my bank and they informed me of the account closure. OnXX/XX/2020 I was told that a cashiers check with my ending balance was mailed out. XX/XX/2020 I was informed that no check was sent but that it was being held in the back office for review. I have no had any access to any money because of this! I am behind on SEVERAL bills. I am at risk of losing 2 storage units because I can not pay them without my money. I have a hired attorney that is threatening to withdraw off of my case because I can not pay him due to not being able to access my money! I am also at risk of having my license suspended because I can not pay car insurance. I have since spoken to my bank and nothing has been done yet! I still have no money. I  havent been able to even grocery shop for my children at all either. I am not going to continue to go back and forth with the bank about this issue. I need my funds asap
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

IHAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (FL)

I RECEIVED A LETTER FROM AMEX DATED XXXX/XXXX/2016 ADVISING ME THAT A 3RD PARTY AMEX USED CHANGED MY SSN WITHOUT CONTACT INGTING ME AT ALL? HOW CAN A 3RD PARTY LIKE XXXX BE AUTHORIZED TO CHANGE A SSN WITHOUT THE PARTY 'S KNOWLEDGE, AND ON TOP OF THAT THEY GAVE AMEX A WRONG SSN??
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I see on my credit report that I have approx 18 months of 120 days on my mortgage loan. I was divorced XX/XX/XXXX, and the house was awarded to my husband. He moved in XX/XX/XXXX and never paid another payment. The house was sold approx 2.5 yrs ago and the back payments were settled by the proceeds of the sale.
Consumer complaint received 2023-12-30
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. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to re-investigate these accounts : Account name : XXXX XXXX  XXXX Account name : XXXX, XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My mortgage account was paid off, and I expected refund of the escrow balance + unused interest. The bank did not send the final statement and cut off my online access. Luckily, I kept the web records, and calculated that they quietly reduced the refund. When questioned on the phone, they reluctantly admitted that they charged different fees. No such fees were expected, disclosed or authorized by me. I specifically asked the new lender, who received the payoff requirement, and have the emails explaining that only the interest was the factor and would be prorated based on actual payoff date. The bank representatives were putting me on hold and could not come up with the straight story about the fees. On XXXX XXXX, however, with my persistence, they agreed that there was {$130.00} added and promised to send a check for {$60.00} stating that remaining {$75.00} they could not refund : Supposedly, it was a recording fee to my county. My new lender had all the settlement fees disclosed, and everything was covered by the new loan. I think that they are hoping that I give up. It is very difficult to reach someone using the customer service number they provide, they do not direct you to a helpful department without much pain, use long holds and make promises like sending a statement or making a case that would be acted upon that they never plan on executing - one manager even admitted that.
Consumer complaint received 2022-09-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FC HoldCo LLC (PA)

FLAGSHIP CREDIT ACCEPTANCE IS STILL REPORTING AN INACCURATE CAR THAT WAS FALSELY PUT IN MY NAME WITHOUT MY KNOWLEDGE!!! THE COMPANY WHO LET THIS HAPPENED IS NO LONGER IN SERVICE! THEY WERE SHUT DOWN FOR ILLEGALLY PUTTING CAR NAMES IN OTHER PROPLE NAMES WITHOUT CONSENT!
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

SUMMARY : Debit card charge by a company for a service never rendered and bank refusing to reverse charge or properly investigate dispute of charge. 

DETAIL : Our company contracted with a tow company XXXX XXXX XXXX XXXX to tow a commercial vehicle which had a minor breakdown. The tow company required our Bank Of America Debit card number and charged our debit card BEFORE the service was rendered. 

The tow company hooked up our vehicle but while in the process of towing it XXXX. The tow company completely destroyed our vehicle. Thus no service was rendered by the towing company as the tow company destroyed our truck. The tow company did NOT have insurance or coverage for this XXXX requiring our insurance company to reimburse us for a TOTAL LOSS of vehicle caused by towing company. 

The tow company then refused to reverse the charge ( The tow company charged our card {$840.00} for a service where they were negligent, caused total loss to our vehicle, and did not have insurance. ) Bank of America was contacted and advised that we dispute this charge for a service which the tow company did not render. BofA was provided insurance company information and documentation showing that our vehicle was a total loss. BofA refused to reverse the charge stating that it was a civil matter between the merchant and our company. 

Bank of America refused to fully investigate this matter and is allowing a merchant charge to be deducted from our bank account in the amount of {$840.00}. We adamantly dispute this charge as it was for a service in which the merchant did NOT render but also caused an additional loss to our company of over {$22000.00}. 

Bank of America feels that since I provided the tow company our debit card information, even if prior to the service, that the charge was authorized.
Consumer complaint received 2016-03-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have never had an account with Capital One Bank USA NA yet they fraudulently opened an account in my name and have been having XXXX of their other subsidiaries, Capital One Services LLC send me payment notices. I have spoken with and written to them yet they persist.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF THE WEST (CA)

I have been a longtime customer at bank of the West. I recently received a letter regarding a new {$10000.00} credit card I had been approved for, which was followed by the actual card. I had never applied for a credit card so I contacted the bank. I explained to them I had never applied for a credit card and wanted this closed and an explanation on how this could have occurred. I was told that there was an application and I requested a copy be provided for my review. The call agent closed the account ( which I verified the next day ) and said a copy of the application would be sent to me. 

After a week passed and several confusing calls from the bank, I did contact an employee today who explained that the application was received over the phone and that I would not be receiving a copy of it. I stated that I still wanted an explanation of how this could have happened. After a few minutes the agent asked if I had ever spoken to XXXX at the XXXX XXXX, which I stated no I had not. The agent explained they would have to contact a supervisor and get back to me. 

With the situation at XXXX XXXX and the risk of identity theft, I am concerned that either I am victim of identity theft or Bank of the West has the same issue as XXXX.
Consumer complaint received 2015-04-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

XXXX XXXX, XXXX attended XXXX University and was told that I did n't qualify for any gov't help even though my parents could not afford to send me to college. My grandparents signed me up for Sallie Mae private loans. I was XXXX and had NO idea what a loan was or what a private loan was or what was even going on. Fast forward, I am now XXXX with {$55000.00} in student loan debt. I have paid THOUSANDS AND THOUSANDS of dollars and my balance has stayed the same. Once I paid a lump sum of $ 10k!!!!!! How is this possible? HOW IS THIS LEGAL? I will NEVER be able to pay these loans off. EVER. It is robbery. And they will NOT lower my monthly payment, consolidate my loans or budge in any way. I can not stop paying because they 'll garnish my ( part time ) wages ( i 'm a mom ). HELP!!!!!!!! I 'm trapped because of a corrupt system. I have paid and paid and paid and paid ... ..and it does n't matter. I 'm wasting money ... .... it 's horrific.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Again raising concern that I had many issues with XXXX advance services. I requested USAA stop payment and it didnt work. 

I was then misinformed by USAA representative that the dispute credit wouldnt be reversed- this was wrong and resulted in financial hardship. 

I provided screenshots of said communication, filed concerns with CFPB and XXXX- this only Yielded more assertive response by USAA XXXX  team and notice that further action to reinstate old CC debt reporting. 

I guess Im now waiting for {$760.00} to be deducted from my checking account. 

I believe USAA does in fact handle concerns with bias based on rank and grade or military affiliation. Id like records of what investigation into my concerns actually looked like.
Consumer complaint received 2022-02-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was on forbearance due to loss of income because of COVID. At the end of my forbearance, I was given a few options on how to proceed. I chose to due a loan modification. I was put on a trial where I had to make 3 payments at a reduced amount. The payments were made XXXX XXXX, XXXX, XXXX XXXX, XXXX  and the last trial payment was made on XXXX XXXX, XXXX. I was told it would take 30 days to process the loan modification once the last trial payment was done. Well we are now at 90 days and 5/3 Bank which is whom I have my loan with still can not tell me what my status is. I have called several times but I am told it's pending. In the mean time, I get mail stating I am delinquent. And I want to make sure I do not lose my home. I have asked to speak to a supervisor, but have not been able to. I have also tried talking to XXXX XXXX at XXXX. She is supposed to my " designated Customer Care Team Specialist '' to no avail. The customer care specialist I did speak to today found it odd, just like the previous two customer care specialist. They have been nice enough to say that they will speak to a supervisor to see if they can get me answers, and that they will call me back. That has not happened yet. Again, I do not want to lose my house and I am not getting any answers but I keep getting mail that I need to act before I lose my home.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

i submitted my original complaint on XX/XX/24 and the company responded on XX/XX/24 with information about the account in question. I ask to be shown

the Purchase agreement, this is what proves they own the debt and that also proves that the debt in question belongs to me without that everything is hearsay. The provided Letter that comes in the mail that they send out to show how much the debt is and how to pay etc that is not the purchase agreement. so again... this company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also so i may review to see if this is actually an account that belongs to me!

# XXXX
Consumer complaint received 2020-10-19
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. (CA)

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXX year ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows Credit Limit {$24000.00} on a charge offs closed account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit  Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-10-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (GA)

I filed a compliant on the CFPB website back on XXXX/XXXX/2016 that CMRE was reporting inaccurate information and when I called to correct the information. CMRE required me to pay the debt before removing the dispute preventing my from refinancing my home loan. CRME provided the following response - The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX CRME removed the debt form my credit report in XXXX 2016 and now has listed it on my XXXX credit report without any notification for disputing the debt and violated Under the Fair Debt Collection Practices Act