davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (WA)

I received an offer from AMEX regarding a XXXX  line of credit. I applied using my federal ein. the application asked for my social security number and specifically stated it was for identification purposes. My understanding is that the XXXX  was applying for credit and not me personally. I was then declined and was given the reason that my personal credit score was too low and received a hard hit on my credit.
Consumer complaint received 2016-08-16
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied for a short sale in XXXX XXXX and here we are in XXXX XXXX still waiting for bank approval and a closing date. I have been put under tremendous stress the past 2+ yrs. Bank of America has done nothing right by me. Their customer service is downright despicable and deplorable. One of the owners is a veteran ; to treat a member of our military this way is even more disgusting. We are getting a divorce and want to move on with our lives. BOA is doing nothing to move that process along for us. My file has been bounced from person to person and no one knows what they are doing! I spoke to a XXXX XXXX XXXX last week and was told that my attorney noted in XXXX on XXXX/XXXX/XXXX at XXXX that the buyer was getting a mortgage and pre-qual. This deal from day one was a cash deal and BOA was never told otherwise. My attorney provided me with a copy of an email she sent to the representative XXXX XXXX at that exact time and it did not state the buyer was getting a mortgage! It said the buyers proof of funds were sent to them and that it was a cash deal. How is it that BOA shows something different? I 'm going to say that they altered the XXXX notes to make it look like my attorney was screwing up my file. When in fact she has no admin rights to modify anything in XXXX. This is completely disturbing and unethical! BOA has been dragging this file on for years. I understand the VA needed a year to go through the modification process but we are well beyond that and a short sale should not take this long. I have asked for a copy of the Equator notes and BOA is refusing to release them to me. I have a right to see my file. My file was closed on several occasions as BOA said I failed to provide documents that they asked for. I have complied with every ridiculous request and have sent items multiple times! My attorney follows up daily and also sends documents over and over again. I can not express how horrible this company is! This is the very reason we have so many foreclosure in the US. BOA needs to be held responsible for their illegal and unethical practices! I want a full investigation into falsifying notes in XXXX. I can guarantee XXXX XXXX has the original and true copy of the email from XXXX in her deleted items to prove that either she or XXXX XXXX altered the email to their advantage and prolong my case.
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Debt was ACH into XXXX XXXX XXXX XXXX credit account instead of the right credit account known as Amex Standard and no longer XXXX XXXX XXXX ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the XXXX XXXX XXXX, now known as the XXXX XXXX XXXX XXXX, transferred it after the payment date into the XXXX XXXX XXXX, now the debt buyer Amex Standard credit account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from Amex Standard, nor the XXXX XXXX XXXX XXXX, or the XXXX XXXX XXXX on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the Amex Standard ( XXXX XXXX XXXX ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against XXXX. This complaint is for Amex Standard ( XXXX XXXX XXXX original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of Amex Standard to be cooperative with the federal and state consumer protection laws.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: HireRight Solutions, Inc. (WA)

I am applying for companies that use Hire Right background checking services. I would like to retain a background check on myself through this service. They wo n't let you retain your own report unless a company has requested a report on you. But by then it is too late and I will have lost the job.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I am trying to see if i was XXXX effected by Wells Fargo. I see agreement was reach with CFBP. That said customes may be in line for relief money after the government found that Wells Fargo violated a host of federal consumer laws between XXXX and XXXX. 

Which was the time I had mortgage with Wells Fargo at the address at XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX. Under phone number XXXX XXXX. During that time frame. 

Consumer Financial Protection Bureau have announced how account holders can collect from Well Fargo. Which I saw all over the media. 

I wanted to know if I was XXXX of their victim to the abusive or negligent practices described by the CFPB. 

I reach out to Wells Fargo about this, At first I was told they couldn't even find that I had a mortgage with them. Which I had for years. I gave them the property address and they told me, They never saw that there was a mortgage on that property. Even under this account you can see how many complaints I file will CFPB against wells fargo throughout the years. Then I was told if I didn't have my account number they could not help me. Of course i'm not gon na have my account number after all this time. 

I was told to call XXXX phone number from another phone number. I was given multiple phone number to call and no one could help. I was even told by a lot of the representatives. They did not even know anything about this Agreement that was reach and the settlement. They act like they didn't even know what I was talking about. 

Then I was told to look for website online, only they was unsure what that really could be. Then I am told wait to see if I get a letter about this. I already had moved from that location a few years ago. 

It appeared that they keep giving me the run around and nobody looks into it.. I can not even get a straight answer from them. This is why i'm reaching out to consumer financial protection bureau, To see if I am owe any money from Wells Fargo. This is why I file the complaints since, I can't get a straight answer from Wells Fargo.
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (WA)

Before leaving for an extended stay in another country, I contacted Santander Bank to let them know that I would be in a certain city for 9 weeks and wanted to make sure that there would be no problem using my debit card at the Santander ATM in the city I would be staying in. They noted this on my account and assured me that there would be no problem. In XXXX 2016 ( mid-way through my stay ), Santander made a decision to de-activate my debit card as a new one, with a new chip, had been sent to my home and had been activated by the bank. I received no notice that the card I had with me would be de-activated. So, basically, Santander Bank is holding my funds hostage while I am in another country, unable to get the card that is sitting in a pile of mail at home. I have spoken with numerous representatives trying to get help and the answers have been the same ... so sorry ... .nothing we can do ... .the new cards were machine generated ... .the card you have with you can not be reactivated ( exp. date XX/XX/XXXX ) etc. I am trying to figure out a way to get cash. I can not believe that Santander activated a new card and deactivated the card I currently have with no notice or input from me. I thought it was up to the consumer to activate a new card. The fact that Santander is unwilling to even try to help me is unacceptable. I am sure that I am not the only consumer who has been left stranded without access to their funds while out of the country. How could this possible be legal???? Of course, I am closing my accounts with Santander upon my return home but I think more needs to be done to address this completely irresponsible decision.
Consumer complaint received 2016-10-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to my local Bank of America branch on Monday, XXXX XXXX, 2015 at XXXX PM. They had only XXXX teller window open. The line was so long it went out of the branch doors. I could see XXXX different bank employees walking around the bank. They were talking and laughing as if they did not even see the line. When I finally got to the teller window they told me they did not care about my wait and I should use the ATM. I called the same branch the next day to speak with the branch manager about my experience. I called the branch 4 times and no person answered the phone. They also do not have any voicemail or a way to leave a message. Finally, at XXXX XXXX, on the fifth phone attempt a branch employee answered the phone. She told me that the branch manager had gone home for the day! I requested a return phone call from the branch manager and the employee took the message. We are now towards the end of the next day and I have not heard from her. I just called the branch again, and once again, no one answered the phone. 

I just called the XXXX number for Bank of America and their representative said there is no way to relay my message to the branch. They said that the bank wants to cut expenses by minimizing human staff. 

I feel that this is unacceptable. Bank of America was XXXX of the banks that helped created the Financial Crisis. As a result of the Financial Crisis, they became XXXX of the largest banks in America from both acquiring and putting smaller banks out of business. I feel they have an obligation to our XXXX and our XXXX to provide a reasonable minimum level of customer service. 

Thank you for listening!
Consumer complaint received 2015-04-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

Ocwen Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl XXXX Phone # XXXX XXXX. Approved a Mortgage loan modification of 3.75 % last year. The agreed payment was {$2100.00} per month. When my XXXX bill came my bill was for {$2200.00} per month. XXXX XXXX 2015. They stated they miscalculated property tax and Hazard insurance. As of XXXX 2015, my mortgage payment will be {$2400.00}. They have stated the rate increase is do to {$3500.00} for property tax, {$640.00} for FHA, {$1200.00} Hazard Insurance, *** {$1200.00} for New Loan Setup***I should not have to pay {$1200.00} for New Loan Setup. This loan was taken over without my knowledge by Ocwen. My original loan was with GMAC who went out of business. Why do I have to pay when I had nothing to do with GMAC going out of business and selling my loan. This seems to me as another form of Predatory Lending tactics. 
What is this. jump in tethey have in Know I am being charge s 1 year later they have reone yearXXXXtal mthe loan was finaliz oo on
Consumer complaint received 2016-05-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

I recently noticed a collection on my account for the amount of {$2900.00} ; I did notice that the initial creditor was a hospital I had been hospitalized XX/XX/XXXX. I reached out to my insurance ( XXXX XXXX XXXX XXXX UT ) and they said they had not received a claim from this hospital for facility use only from the ER doctor. My insurance company advised that I reach back out to the hospital or the collection agency. I reach out to the collection agency Syndicated Office Systems /Central Financial Control on XXXX/XXXX/XXXX and spoke to a lady named XXXX ( badge # XXXX ) she stated that they had submitted that claim to my insurance. I explained that I had reach out to my insurance and they did not have any record of a claim from them. I asked if I can get the contact number to the hospital so that I can sort this out with them directly. She stated that she could not provide that information to me and advise that I reach back out to my insurance and request more information. Once again I reach back out to my insurance on XXXX/XXXX/XXXX spoke to XXXX at XXXX XXXX she then gain stated that they had no record of the hospital submitting their claim to them and offered to call the collection agency on a 3 way call. We got back on the phone with the collection agency and spoke to a gentleman by the name of XXXX ( badge # XXXX ). He went back and forth between us and his supervisor and stated they had submitted a claim. XXXX the insurance representative request to verify the ID number they had on file for me but the collection agency representative said they did not have that information. XXXX explained to him that blue cross did not receive their claim and that it could be a possibility they did not submit the claim correctly or with the wrong information ( such as the ID number or Alpha prefix ). The collection agency representative went back and forth with us and his supervisor and stated that they could not do anything on their end and they can not verify any of my information and refused to confirm where this bill was sent to for claim. My insurance company has confirmed that they did not file claim with any of my insurance information provided to them. I did my due diligence and provided the hospital and the collection agency with my correct insurance information however they refuse to do additional research on it to verify this account is accurately reported. It has now affected my credit report and I would like this to be removed until they can accurately verify this claim was properly submitted to my insurance with my correct information. The collection agency and the hospital were negligent in accurately submitting this claim to my insurance given they had copies of my insurance card and are now refusing to get this resolved. This has not only cause a detrimental effect on my credit but is also causing me an emotional distress.
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc. (FL)

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. 
I do't know this company never received any letter except harassment phone calls
Consumer complaint received 2021-04-21
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. (TX)

XXXX sold my information and now debt collectors calling to collect a debt the original creditor charged off and received a tax break : FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY payment never late : XXXX XXXX XXXX - Closed 1 late payment
Consumer complaint received 2021-06-04
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. (MD)

The results of two disputes that were initiated by me the consumer on Experian 's website on XX/XX/XXXX and XX/XX/XXXX for an inaccurate reporting of an account that is reporting closed " by consumer '' is incorrect. 

The XXXX XXXX account is open as an authorized user, and is in good standing. 

On both disputes the results remain the same as saying that this account has been closed by the consumer. 

I have confirmed with XXXX XXXX on XX/XX/XXXX and the Primary card holder that this is not the case. This account is open, in good standing, and I am an authorized user, and it should be reported as such. 

The available amount of credit for this account is {$16000.00}. The balance owed is {$5.00}. This account has never been late. It has been opened since XX/XX/XXXX. All of this information will add good history to my credit account. 

Both XXXX  and XXXX  are reporting this account as open and I as an authorized user.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

When I bought my home in 2015 the XXXX XXXX company was a paid prior to being a charge off and is reporting wrong. 
I am trying to get a fixed 30 year loan and this is now back on my report incorrectly please fix ASAP as I will not be able to refinance
Consumer complaint received 2016-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I graduated from a graduate school with {$95000.00} owed in XX/XX/XXXX. I did n't know about interest rates which was 8 % and was told this was n't bad. I struggled a few years and the loan company was glad to help defer the loan for a few years. 
Since paying it back, I still could n't pay the full amount so they were also very willing to set me up in the IBR program, which I am still in. I have been paying back in the IBR program for 12 years and have probably paid close to the {$95000.00} if not more than I took out but I actually owe over {$180000.00} because of the high interest. 
In XX/XX/XXXX I met a third party company who promised me to get me into the PSLF, or the public service forgiveness program because I work in the medical field and provide a lot of public education and service. I paid them {$1000.00} and switched to another loan company, Navient from XXXX loans who said they would put me in this forgiveness program which is a 10 year program. 4 years later they tell me that I can not be in this program because my business I work for is not a non-profit, and the IBR payments that I had been paying which is forgiven after 25 years and I had been paying for 13 years, started over 4 years ago when I switched loan companies I feel that I have paid a lot ( as much as I had borrowed ), but I still owe twice as much as I had borrowed, and I do not see any clear skies in the future for me. 
Is there any help or advice you could help me with?
Consumer complaint received 2023-03-30
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. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My son and family wanted the property but they were not able to keep up payments I helped for years but XXXX XXXX I could no longer assist. 
My loan was originally with XXXX where they allowed me to try a short ale sale to avoid forclosure. After 18 months on market a bid came in and at the that time loan was sold to Bayview Loan Servicing Loan # XXXX and they rejected it so at that time I requested a deed in lieu. On XXXX/XXXX/XXXX I have sent application and since then repeatedly sent documents including the application package twice XXXX XXXX, XXXX then on XXXX they request final document which was sent now on XXXX/XXXX/XXXX the same documents are being requested. over again they were sent either to their document email, processors email or XXXX. And still have issues they have n't received them. Today I again emailed them. It is difficult to get someone on phone. I held 15 min when I asked for a manager then gave up. I would like to be approved for deed in lieu or they can advise me they will move forward with forclosure.
Consumer complaint received 2015-05-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

Carrington Mortgage took over my mortgage in XXXX 2013 and since then my mortgage has been recorded as being late. This was due to a problem with the transfer of the loan between XXXX bank and Carrington. Carrington placed the loan on some type of forbearance program, which I paid timely, as requested. After doing this for a few months and additionally paying MORE than the required amount to get 'caught up ', Carrington Mortgage placed my mortgage on ANOTHER program a loan modification program. Which was paid as agreed. I am also receiving certified notices from Carrington advising that my house is possibly going to be foreclosed on and that I should contact them to make payments. WHICH I DONT UNDERSTAND. To date, my mortgage is showing past due of over $ XXXX and when I contact Carrington mortgage to request an explanation, the explanation is unclear as to why the mortgage is STILL showing behind. I do not want to lose my house by accidentally signing the wrong documents and/or not properly signing required documents.
Consumer complaint received 2016-08-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (MA)

I am being harassed consistently by this company. I work as a XXXX 84 hours a week for XXXX of Massachusetts and my client needs XXXX. This means I need my sleep and the call at all hours of the night and her ASPI. They have also recently contacted my employer 's mother and used public records of an incident years ago to negatively impact her judgment on my character. I am feeling unsafe as they have showed up at my house and I am upset. I have all sorts of documentation and even screenshots and texts