davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

On XX/XX/XXXX, my husband and I received a letter from Specialized Loan Servicing LLC ( SLS ) regarding rules for dropping our PMI. We 'd received similar letters ever so often notifying us that we could drop our PMI when our home reached the required loan-to-value ratio. Our current home is our third home, and we are familiar with the loan-to-value ratio requirements for dropping PMI. We put a smaller down payment on our current home because we bought it " as-is '', and invested cash in renovations. Our thinking, based on past experience, was if we invested the cash in renovations, it would increase the value of our home thus moving us toward the loan-to-value ratio needed to drop PMI. Unfortunately, when I called SLS in XX/XX/XXXX to ask how to go about getting our house appraised to check the current loan-to-value, an SLS representative told me only the " Original Value '' of the home would be considered in loan-to-value calculations. I was disheartened to learn that our renovations and a new appraisal would not help us drop PMI with this company. I understand following the housing crisis policies have changed, but disregarding a well-documented ( receipts, appraisal, etc. ) appreciation in the value of someone 's home is unjustifiable. On the back of my SLS letter, it indicates that clients living in Texas, California, and Minnesota can use an appraisal to re-evaluate the loan-to-value of their home in efforts to eliminate PMI. As a North Carolina resident, I am wondering if there is a state law that prevents me from using an appraisal to prove appreciation to reassess loan-to-value or if this is an SLS policy. Either way, I am beside myself with regret if we can not drop PMI after our renovations. Had my husband and I been aware of SLS 's policy, it would have changed many decisions we made regarding our mortgage and down payment.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/XXXX, I filed bankruptcy Bank of America ( they held my mortgage ) told me my home was included in the bankruptcy. I continued to stay in my hose paying property taxes and insurance. XX/XX/XXXX, I found out that my house was up for auction at a Sherif 's Sale. I immediately contacted a lawyer and was not able to get help and feeling desperate, I contacted XXXX XXXX for additional help. To no avail, my home was sold and I have until XX/XX/XXXX before I am evicted.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is interfering in acquiring annual credit reports, dispute process and refusing to use accurate identifiers for verifications of Identity. barring me from those normal processes. 

I have displayed repeated patients to understand their security processes only to be rudely hung up on when calling their Customer Service Line.  Respectfully on XX/XX/2020,XXXX. 

Denying me the right to dispute or challenge entries to improve ( increase ) my credit score under my review and maintenance keeping my information up to date and current.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I recently started a credit monitoring service and noticed I had late pymt reporting on my XXXX card that should not be there as this is surely an error on their part.There must have been a billing error previously, therefore ask them to correct this immediately as I need my report to be accurately reported.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX allowed access to my credit report without my permission and request credit reporting agency to demonstrate clear permission in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX made a hard inquiry twice in XX/XX/XXXX without my permission.
Consumer complaint received 2023-01-26
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

PNC is charging late fees that are not applicable. They are charging these late fees almost weeks later than they should be. They are posting atm deposits days after they are deposited and are posting it so they are charging multiple late fees. PNC has admitted they have done this and are doing nothing to fix their errors. This is very dangerous territory for a bank to asses late fees due to their ineptness. I have had many issues with PNC and their errors causing late fees assessed to My acccount. Many time their atms do not work, they do not allow customers to access or deposit money. But they will gladly charge them fees. Not only is this harassment, PNC should be throughly audited for their actions.

Pnc is trying to charge me fees because I want to close me account. This is retaliation.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TD BANK US HOLDING COMPANY (NJ)

I was going for loan of $ XXXX with my TD Bank , on XXXX. 
I already have XXXX $ in checking account of my T.D.Bank account from last one year.Before that I was denied for credit card of T.D.Bank telling that it was decision from back office based whole or in part of information obtained in a report from consumer reporting agency.Again same reason for loan. 
I told that I am doing permanent job and if you need any other document from my employer, then I am ready to do that. 
I also explain that, if you want this money transfer in to C.D. for five year, I am also ready for that. Ultimately, I want to put my XXXX $ in fix & want loan from that.ANYHOW, I want loan from my money in checking account. Then, they refused & same reason. 
I donot understand, why should I am not getting money on my own checking account or on my request for CD. 
Please reply me ASAP.Thanking You,
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (WI)

On or about XX/XX/21 I got an XXXX Alert for my credit score, I checked it and it was a unpaid debt for {$2300.00} posted from Harvard Collection XXXX XXXX XXXX in XXXX. 
I call Harvard and told them they had the wrong person, Harvard said the debt came to them on XX/XX/21 and was due to be paid by XX/XX/21. i ask them how could they just put that on my credit score without contacting me and allowing me the opportunity to investigate and settle this debt if warranted. Harvard communicated the debt came from Illinois XXXX, I have not lived in Illinois in 30 years. I ask Harvard where did the XXXX XXXX live at they were communicating with, it was indicated XXXX XXXX XXXX XXXX XXXX, I have never lived at that address. I then called Illinois XXXX, and learned this is a debt from 27 years ago, and I communicated to them, they had the wrong person, ask again why is it I never heard of any of this until I got a credit alert, this was on my credit. Harvard Collection violated my rights to dispute / settle a claim. Harvard Action hit my credit score, very hard. I provided my address, and phone number, also requested proof of debt from Harvard and Illinois XXXX. I do not have this, I disputed with XXXX, XXXX, XXXX, this is not my debt and it was attached to my credit without any communication to this writer. Harvard Collection Agency did have my correct and current address listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX. I know this because Harvard Collection verbally provided this to me after I said I have never lived at XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I am XXXX XXXX  and found on my credit card extremely high interest rates on cash advances ... when I requested info on them I get a letter instructing me to call them so I can't hear or understand what they are telling me. At any rate I asked how many cash advances were taken on my card and where they occurred. I received one reply stating they could not waive the cash advance fee ... I didn't ask them too. All I wanted to know was how many and where. Now I tried several times to get a hold of them and can not get a response. They even hit me for a XXXX dollar late fee because they said my payment was one day late ... no grace period at all ... but I want answers and they won't tell me them.
Consumer complaint received 2016-12-03
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: U.S. BANCORP (MN)

I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I was using XXXXXXXX XXXX to sell a watch. I was scammed by a XXXX user who created a fake XXXX business account. I was told to send {$500.00} to initiate the transaction so he could send the amount back. I was tricked. I am international student here in the US and little was I aware about these scams. 
This transaction happened on XX/XX/2022. On the same day I had reported Bank of America fraud department ( my financial institution ), I also filled few forms, written emails to XXXX. Apparently, XXXX has never responded to me. 
Bank of America has taken my complaint. They took 45 days to get back to me to say that they weren't able to resolve the issue as I authorized the transaction. 
I am very nervous about how my financial institution is not able to help me. I barely meet my living expenses, this situation is pushing me to more debt.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Upgrade, Inc. (CA)

I met all the requirements for a {$500.00} bonus on XX/XX/XXXX. On XX/XX/XXXX, I called them to ask when I would get the bonus because their terms say I only need to wait 1-2 billing periods to get the bonus. They told me the first week of XX/XX/XXXX I will get the {$500.00} bonus. But I didn't get it the first week of XXXX. So I called again on XX/XX/XXXX. They told me within 3 business days, I will get the bonus. But I didn't get it after 1 week! I called them today XX/XX/XXXX. They told me I need to wait 40 days to get it! It is 100 % fraud. They knew I met all the requirements and it has passed the time frame. They just kept asking me to wait wait wait. This company doesn't have any credit for being trusted by the customers! Please help. 
Thank you,
Consumer complaint received 2020-07-22
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (GA)

Fairway XXXX  Mortage company has been processing my reverse Mortage since XX/XX/2020. My main contact was XXXX XXXX XXXX did not handle the processing of the application in a professional manner. 
The problem was that the tax forms submitted by me - were not numbers matching. No one at XXXX  could figure out what the problem was until XX/XX/2020. 

1. The processing department did not fully examine the files submitted before sending them to the investor. The first time the file was sent to processing was XX/XX/2020. No one at XXXX could figure out that the tax forms were not matching. If I was aware of the issue I could have resubmitted that paperwork immediately. Which is what I did in XX/XX/2020 once the issue was made clear. 

2. The manager, XXXX XXXX, was brought in to review the file but he never looked into the file to find the problem. He also implied fraud because of my self- employment and the non-matching tax forms. Instead of telling me what the actual issue was. That was in XXXX XXXX. 

3. I was required to have my companys finances audited. Only to find out that because of the time lapse there audit was considered null. 

I have incurred fees because of XXXX requests. This includes {$1200.00} for a financial audit that XXXX stated is no longer valid due to COVID-19.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.
Consumer complaint received 2017-08-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I applied for a home loan to add approx XXXX sq ft to my property. I had my contractor submit the paperwork and drawings to Wells Fargo and agreed to have the do a appraisal. Without discussing anything with me the choose to order a appraisal from a company located XXXX-XXXX miles from my location instead of using the numerous companies located around my area that would understand market conditions and variables. Below is a email I sent to Wells Fargo, at this point the resolution I am looking for is a refund of the appraisal fee. I am even willing to take that refund in a the form of a check donation to a charity of my choice. I have not problem they did n't want to issue the loan but have a problem that they refused to consider that they appraisal company they choose to use was too far geographically from my area to accurately appraise my property. I have done research using local realtors and comparable home sales the the true value of my property as it sits today without the addition is between 230-250K. So a value of $ XXXX with addition is just plain wrong. email sent to Wells Fargo on XX/XX/XXXX I have at least three properties that show per-renovation value at between {$84.00} to {$130.00} per sq ft for similar properties. I think I found the problem. The basement is 100 % finished and is XXXX for one and his comps are not good at all. Below are three good comps. The total square foot for my house without addition is XXXX minus XXXX sqft for utility room in basement, XXXX upper and XXXX lower plus XXXX additional for new addition. So total new sq ft would be XXXX so if the value is taking conservative average of {$100.00} sq ft that would be $ XXXX. Even if you take the low end of {$93.00} that would still be XXXX. This does n't even include the fully finished garage office/man cave at over XXXX sq ft which is livable space for sure. If you add that in the value at XXXX would be $ XXXX Please advise as I am not about to pay for a appraisal that was n't done correctly and tell me that I am putting $ XXXX into a house but the value is only {$190.00} is just ridiculous. Wells fargo picked this appraiser and I would hope you help to make this right. XXXX XXXX XXXX XXXX XXXX sold on XX/XX/XXXX difference XXXX acres 1 more bathroom, 2 less bedrooms. {$240.00} XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is less sq foot $ XXXX $ XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is XXXX acres but 2 less bedrooms and 1 less bathroom and a lot less sq ft {$130.00} sq/ft {$180000.00}.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I recently tried to apply for a new job and discovered that my credit profile has addresses and information that is not accurate. My Name should be listed as XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete any other variations of my name. Please delete remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IN XXXX I have several numbers on my file that do not be long please delete the following numbers : ( 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 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (TN)

Credit Card was opened to take advantage of {$50.00} instant cash offer. The card was never received in the mail, but the statement did come 2 months later with some late fees. I attempted to cancel the card and spent over 30 minutes on the phone while representatives tried to sign me up for additional services and subscriptions. At the end of the call, I believe the representative signed me up for a vitamin program I did not want and then disconnected the call. I have tried calling back and the line is disconnected immediately. The bank is First Bankcard. The phone number listed for " customer support '' is XXXX
Consumer complaint received 2020-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

I initially had a mortgage through XXXX XXXX who sold off my loan to BB & T. I received this information in late XXXX. I called BB & T and spoke to a rep who said I would be receiving paperwork in regards to payments ect. I did not receive this paper work until after XXXX and promptly made my first payment on XX/XX/2020. Since then I have been making payments online every month. They keep sending me notifications saying that I am late. I called and spoke to a rep again and they said my payment was due XX/XX/XXXX. I explained I never even received the paper work until after XX/XX/XXXX so how could I be late.. I did send them a letter on XX/XX/2020 stating the situation in writing along with proof of payments. I never received a response to this letter. In turn they keep sending me threatening letters. It has been very hard to get this resolved with them.
Consumer complaint received 2017-08-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Massachusetts Educational Financing Authority (DC)

For over a year I have been trying to lower my payments with XXXX, a loan service provider for MEFA. XXXX does not even allow you to access your payment history online so I am not able to give an exact date when I began trying to get lower payments. I was on an interest only repayment plan for a $ XXXX loan for 48 months after graduating from XXXX College and at that point the payments were as high as I could manage as I also have another private loan and federal loans with XXXX totaling $ XXXX. The interest only payments for XXXX were approximately {$200.00} per month in total and that is the maximum I can afford on my current salary. A year ago they said that I had exhausted my time on an interest only plan and that I had no other recourse. They proceeded to double my payments to over {$400.00} per month, which I was supposed to pay on top of the other {$600.00} I was paying to XXXX. I only make $ XXXX per year and I live in one of the most expensive cities in the USA. I called XXXX again on XXXX XXXX, 2017, and told them I needed to go on a interest only plan because I absolutely can not pay {$400.00} per month. They said sure and said that they would email me an application for interest only within a week. I did not receive anything. I called back in one week on XX/XX/XXXX, today, and they told me the same story I 've been hearing for the past year, which is that I 've exhausted my interest only payment option and that there is absolutely nothing that they can do for me so I can make a manageable payment per month. I want to make a payment and be current with my payments but they are asking me to do something that is completely impossible and they are not willing to work with me at all. XXXX should work with their students so that we can make monthly payments. Even though at interest rates of 6.9 %, I will probably never in this lifetime be able to pay these loans off. The fact that I was allowed to take on this much debt as an XXXX-year old is shameful. I would never have made this decision if I understood the consequences. There has to be something that can be done.