davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

WE paid the Loan off according to banking standards and sent three money orders in the amounts of what we owed at the time. 
These are the amounts XXXX, XXXX, XXXX. 
Where did this money go? The bank reps told us they would not accept, cashiers checks, money orders or cash.So we were told to send them via a credit account all money orders to Dept of Treasury in California who deals with Bank Of America. 
We believe they lied and forced us into foreclosure. 
We also got a document from the bank in XXXX-2012 saying all mortgages were paid off from the county recorders office which i followed up with when I got it as I used to work there and was a notary for many banks as well.. 
All mortgages were off the books six moths later in XXXX they appear now under XXXX XXXX .We feel that many people involved committed fraud. 
The banks and their affiliates including the recorders office of The county. 
Which I still have. 
Talked to a rep on the phone a few days ago and they admitted the debt was paid as agreed I have that phone conversation recorded as they recorded mine too.. 
Please help me clear this up, end this or at least meet at the table to come to a final conclusion. 
Also we tried several loan mods with BOA and two short sales which both were rejected. 
XXXX will not allow us to pay our own property taxes or homeowners insurance as they do through escrow. 
I paid the taxes a few times throughout the years sneaking it it in.Have been paying my homeowners as well for more than two years.Still they are charging me for this too. 

I am also having different agencies look into this including my XXXX which was with The XXXX.The IRS as the fraud may cause many errors in what we do n't owe them.The bank may owe them even more as they are reporting something that was paid off as something as a discharge. 
The document I got is from XXXX XXXX The Vice president of BOA at the time showed all mortgages were paid off at the time of XXXX-2012 also notarized by here back notary XXXX XXXX XXXX and sent to my county to record the mortgages as paid. 

To make matter worse we living a black mold filled home all around us and we are trying to prevent others from getting sick I had a firm come out here remove some but there is so much around us .I could only afford so much to get removed. 
Please help in any way you can.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

This started with XXXX in XXXX of XXXX. We moved that month and were told that upon moving, our internet would go through a " transfer-of-service '' ( meaning that our account and set billing cycle would stay the same and just be transferred to the new address ). This did not happen. After two days of being on the phone with XXXX, we finally were able to get our internet up and running, I was told on the phone by the rep that a new account would have to be made, but the old account from the previous address would be cancelled- which was fine by me. 

Fast forward a month a later ( XX/XX/XXXX ), I get an email from XXXX saying that our bill was past due ( and the address in reference was the old address. Unfortunately, I can not recall the amount at the time, but it has since gone up to {$480.00} ). I called XXXX and explained the situation. I was told by their representative that they would waive the bill due to us moving/ transferring service, and that the charge would be removed. I was glad to hear that. A few months later, we received a letter in the mail from a debt collector ( company name is Convergent ) requesting payment for an amount of {$480.00}. At this point, I'm livid. I called XXXX to explain my situation ( again ), and was told by the representative that this would be taken care of, and not to make any payments because I have no charges or debts associated with my current account or the previous account that was closed. 

Since then, we have several more letters requesting payment for {$480.00} from Convergent. In fact, we just received one that was dated XX/XX/XXXX. I didn't make an attempt to call due to XXXX 's assurance that the charges would be waived and their advice to not make payment.
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NJ)

I had XXXX and XXXX XXXX XXXX as combined services. Back in XX/XX/2020 I disconnected my XXXX XXXX, but kept XXXX XXXX XXXX as my cell phone provider. When I disconnected the service with XXXX they told me I wasn't going to owe anything because I was cancelling at the time of contract renewal. Then 3 months later I received a bill for XXXX from XXXX they told me that a bill with XXXX XXXX XXXX and pay it thru them because it was a joint account so I did. The confirmation number for that payment is XXXX on XX/XX/2020 thru my checking account and that confirmation number was provided by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has no record of the payment and they sent me to Credence Collections. I tried calling Credence several times and they want me to give them my personal information and yet tell me they can't look me up by account number they gave me on the bill they sent me. I believe this is all a scam. I have paid my bill owed and never once received another notice from XXXX, but I continue to get calls from Credence. I tried resolving this last week with XXXX XXXX XXXX who had put me in contact with someone at Credence and they continue to call me and I continue to receive bills.
Consumer complaint received 2017-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SUNTRUST BANKS, INC. (GA)

In XX/XX/XXXX after many attempts by XXXX XXXX branch manager XXXX XXXX and XXXX XXXX XXXX I agreed to move my business loan from XXXX XXXX XXXX too XXXX XXXX 
<P/>
XXXX XXXX XXXX made a business loan to XXXX XXXX ' XXXX XXXX XXXX in the amount of {$11000.00}. Secured by the property addressed XXXX XXXX XXXX, XXXX, Georgia and XXXX XXXX XXXX XXXX, Ga. 31201. Filed in the Superior Clerks Of XXXX County, Ga.
Book 1933 page 181. The same not was marked satisfied XX/XX/XXXX book 3267 page 10.
<P/>
XXXX XXXX Of XXXX County original note filed in the Superior Clerks Of XXXX County, Ga. XX/XX/XXXX book 5427 page 269 in the amount {$170000.00}.
<P/> XXXX XXXX of XXXX County, XXXX, Ga was closed by the Georgia Department of Banking and Finance, and the FDIC was named Receiver.
<P/>
All deposit accounts were transferred to XXXX XXXX and XXXX XXXX The banks name changed but the employees remain the same.
<P/>
My loan is up to date with XXXX XXXX and has been paid on time every month.
<P/>
The problem with XXXX XXXX formally XXXX XXXX is the beginning amount of the loan is more than the payoff amount made to XXXX XXXX XXXXk. The maximum amount borrowed from Trust Company Bank was {$110000.00}.
<P/>
There was one renewal with SunTrust Bank and the balance on the renewal note was {$97000.00}. I never borrowed any additional money on this note.
Consumer complaint received 2016-08-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: LOAN TO LEARN (NY)

I had not made a payment since XX/XX/XXXX per all XXXX major Credit Reports. I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX and was discharged on XXXX XXXX, XXXX. The Loan to Learn private student loans were discharged in the bankruptcy ( Loan to Learn never brought an adversary proceeding ) and during the entire time I was in a bankruptcy stay, they kept reporting 120+ days late and attempted to inappropriately collect through law suits in Wisconsin Circuit Court. I have filed multiple disputes with credit agencies and Loan to Learn keeps verifying the debt and re-aging it. The date of first delinquency is XXXX XXXX according to all XXXX credit reports yet Loan to Learn has reset it to XX/XX/XXXX. I am approaching the 7 year exclusion period XX/XX/XXXX yet the debts wo n't be excluded from my report until XXXX XXXX because it was inappropriately re-aged. Also, this is a discharged in Chapter XXXX bankruptcy debt and does n't follow federal student loan guidelines because it is a private loan. I wa n't these XXXX trade lines excluded XX/XX/XXXX or sooner based on the original and correct date of first delinquency.
Consumer complaint received 2021-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/20 I sent letters to each bureau disputing inaccurate, unverified, erroneous items on my report. As of today over 60 days later I have not received any results nor investigation status. I told each bureau my information was compromised by the XXXX data breach and I feel more than ever that my information may have fallen into the wrong hands. Your assistance on this matter is greatly appreciated. At this point I feel like just another number instead of person. I don't know what else to do.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I had a debt from XXXX on my chex system report and the debt was satified on XXXX/XXXX/2016 and XXXX call me to confirm the they updated my status in chex system to satified and it still not updated after the time they said they need to update the system its been over the time period and i cant get no response from chex system.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Central Service Bureau, 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 never received any invoice just harassment phone calls.
Consumer complaint received 2020-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (FL)

I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Calvary Portfolio SVCS for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I don't know what XXXX company they are collecting for but rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be as well whomever the original creditor is that they also acknowledge the debt to be removed and considered paid in full.
Consumer complaint received 2017-02-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I attempted to open a saving account with Capitol One online this morning. The online site referred me to a security phone service personnel who refused to accept my saving account application, but more importantly they also refused to provide any basis for their action. I do n't understand how a request for a simple saving account involving no line of credit or check writing privileges would be turned down, particularly that my credit rating is quite high. Moreover, I thought I had protection from secret personal credit information by Federal and State statute. As of now, I do not have the account I applied for and I am left with questions about totally unknown personal information held by this bank that they will not reveal. I do n't know if this will happen again or how it will effect my future relationship with other banks or credit bureaus or how it might effect my future employment prospects. It seems XXXX has a practice of secret dossiers on consumers. I have no doubt that whatever they think they know about me is wrong, but I have no means of correcting the record.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (OH)

On XX/XX/2021, Arvest Central Mortgage withdrew our mortgage payment in an amount that exceeded my normal payment by nearly {$1400.00}. I contacted them and the first response I received was " your county must have raised your taxes, resulting in an increase in your escrow. '' Knowing there was no way my taxes increased by that amount, I checked the XXXX County, Ohio website to see what taxes were paid on our 6 parcels and requested a copy of the recent escrow analysis.

It turns out that Arvest was paying on parcels that we did not own, paying incorrectly on the parcels we do own, and calculating our current and estimated future escrow account incorrectly. I contacted them again and they requested that I send them screen shots of the parcels we own, which I did. I am not sure why I had to be the one to tell them what parcels I own. I requested an accounting of where our escrow money was going, which I never received. Arvest stated that they contacted the county auditor to receive a refund of {$4200.00} for payment on a parcel of land of which we do not own. This was back in XX/XX/2021. It is now XX/XX/2021 and such refund has yet to show up on my account. 

Arvest stated they did have the parcel numbers incorrect. I then started receiving delinquent tax bills on 2 of our parcels. I reached out to Arvest again in XXXX and they stated they would pay it. I received another delinquent tax notice in late XXXX XXXX and reached out yet again requesting they pay the {$13.00} that was delinquent on 2 parcels. It appears they finally did. 

I also requested an updated escrow analysis that includes the correct parcels and taxes owed/estimated in the future in XX/XX/2021 and again in XX/XX/2021 and have never received it. In the meantime, I am still paying hundreds of dollars more a month because my account has yet to be adjusted for the overpayment of taxes and recalculation of future taxes. 

I have reached out to them via messaging and telephone calls multiple times asking they get this sorted and send me an accounting of just how they are using my money. This is mishandling of my funds and they continue to withdraw more money than they should each month. 

I can not get a straight answer from Arvest Central Mortgage and am extremely frustrated with this mishandling. I was on XXXX XXXX this summer and was not getting paid, so it was even more frustrating that they were charging way more than they should and mishandling the payments I was making.

It has been months since I requested this be taken care of and it has yet to come to resolution. I was told it could take 90 days for the refund from the county. It has been over 90 days and they did not adjust my account in the meantime. This was Arvest 's fault, yet I am still paying the price of their misuse/mishandling of my funds.
Consumer complaint received 2018-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/2018, my credit limit was decreased. The company, although they did send a letter after the fact, didnt inform me previously. I had a good standing with that account and did not have a late payment. My credit, in which they state it was due in part of, has done nothing but increased. Therefore, I believe the incompetence of the underwriters of this company to lower my credit limit was unnecessary. Originally I had a credit limit of {$500.00}, then decreased to {$360.00}. Now they decreased it to {$260.00}. There is no reason for this decrease. I have called and chatted in, and spoken to a supervisor. They would not get me to anybody higher up on the chain of command.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2020, my mom tried to access her online Chase savings account and it was locked due to suspicious activity. The website provided a number, XXXX to unlock the account. I was put on hold for over an hour before someone answered and they were able to unlock the account. We explained that we were trying to transfer to another account that had been verified by recording 2 small deposits that Chase made to the account we were paying to. We tried the transfer again and again, they suspected suspicious activity and we had to call and were on hold for 2.5 hours and then disconnected. There is no online option to unlock the account, no chat option and the call center does not offer a callback number.
Consumer complaint received 2016-08-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC (OH)

I neither affirm, nor deny this purported debt, you claim I owe your company {$4600.00}. On XXXX XXXX, XXXX, I contacted CNAC regarding the Credit Entry made on my credit report. I returned the vehicle to XXXX XXXX on XXXX XXXX due to several on-going issues and the engine blowing on XXXX XXXX as a voluntary repossession. When I finally was able to speak with someone regarding this debt and asked if I can do a settlement, I was told yes I can and they would transfer me to the Settlement department. When I spoke to the person in the settlement department at CNAC, I was told by them that they no longer owned the debt and it was sold and they could n't offer me a settlement due to they no longer owned the debt. I asked them why their making entries on my credit report as if they still have ownership of the debt and they told me that they can legally do that even though they do n't own the debt and ca n't offer me a settlement. I have reviewed my credit report from all XXXX credit bureaus and found that the entries made by CNAC inconsistent and possibly fraudulent throughout the last years. I also noticed that CNAC never updated my credit reports when I first purchased the vehicle of payments that I made, they only updated it with negative information. I was told when I purchased the vehicle that they help people build credit and they report to all XXXX credit bureaus monthly of payment, which is n't true. I also notice the first week of XXXX, after speaking with them on XXXX/XXXX/XXXX that CNAC removed the account from XXXX and then add it back on, as well as update all XXXX credit reports status as Volunteer Repossession, which was never listed until the week of XXXX/XXXX/XXXX. I have also sent a letter to them addressing this issue, please see attached.
Consumer complaint received 2020-07-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (CO)

LightStream continues to call. On multiple occasions they have called while payment is in process or a payment has already been deferred. On every occasion the caller ID is marked potential spam and the caller requests for my SSN without verification. I have reached out to set up a pass phrase, attempted to verify through account number or request other means of verification. This method of contact exposes all customers to the risk of identity theft and better practices should be instituted.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX and I am writing you about a bankruptcy listed on my Equifax credit report, in which I have tried to have it removed. Apparently someone with a similar name to mine filed bankruptcy in the XXXX, and it is appearing on my credit report. After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As they well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report.They continue to report the bankruptcy verified. Please find with this complete of my proof that they have never verified this with the furnisher. 

" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, thecreditbureauhasanobligationtoconductareasonablereinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, ithasfivebusinessdaystoforwardthedisputetotherelevantfurnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, orcannot beverified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NV)

I File a identity report XXXX XXXX XXXX at XXXX XXXX XXXX. The Equifax did not block the information and share copy of the information I sent them to creditor. which was copy social security card, driver license and the police report which is regulated by law. Secondary Dissemination of any kind is Prohibited and stamp on the police report.