davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (TX)

My home caught fire on XXXX/XXXX/2016. The insurance settled in the amount of {$86000.00} which was less than cost of estimated restoration.When informed, XXXX from M & T Mortgage Loss Draft Dept., suggested that I payoff remaining principal on mortgage first and remainder will sent back to me to repair house. I signed check and mailed to M & T bank as directed by Loss Draft Dept., According to USPS, the check was received and on Wednesday XXXX XXXX, 2016. Till date M & T has refused to inform me when the balance of settlement check will be returned to me. In the meantime, I am suffering further losses in my house due to theft and vandalism. 
Note prior to sending the settlement check to M & T bank, I called its payoff department requesting a payoff amount for a future date of XXXX XXXX, 2016. I received a fax stating payoff as {$20000.00} if paid on or before XXXX XXXX, 2016. This date is exactly seven business days after M & T bank received check from me. I am afraid M & T bank is trying to take advantage and not close my account on time and in the process may ruin my good name. I have inquired of M & T bank 's Loss Draft depart., and also Customer Service Dept. , and received the same answer " We are working on it ''. 
I would like M & T Bank to credit payoff amount within 7 business days of receiving check and send balance back to my mailing address of record.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. ()

I am a U.S. citizen living in XXXX, and as part of a XXXX credit card I maintain ( I closed most of my accounts when moving out of the country, which was likely not a good idea as it might have affected my credit score ) I am able to get a summary report and credit score. I did that about two weeks ago, and realized that ( a ) the score is wildly inaccurate ( I recognize that is not the credit bureau 's part of the problem ) ; and ( b ) there is inaccurate information on the report, suggesting that I am not paying credit cards on time, which is not true. Indeed, it looks as if someone else may have opened a card in my name, since something like XXXX instances of a card paid late are apparently on the report, and I pay my XXXX credit card on time and indeed automatically! 
The real problem is that there is no way to use any of the XXXX credit bureau 's on-line systems without a U.S. address, nor is it possible to use the federal system that 's been set up by the CFPB without a U.S. address ( thank you for setting that up! ), nor is it possible to speak to a live person at any of the XXXX credit bureaus, at least I certainly could n't figure out how to. I sent a letter two weeks ago to Experian, with all details, since Experian had been listed as the source of the inaccurate information. I have yet to hear back, but I have n't given up hope. 
There are XXXX U.S. citizens living abroad ; we pay U.S. taxes ; and yet as far as I know we have no representation in Congress -- so no constituent services people to help. This situation with the credit reports needs to be addressed, since at this point I do n't know if I am a victim of fraud, and I could n't put a fraud alert on my accounts -- without a U.S. address! I 'm certain there are security concerns for sending reports out of the country, but there must be a good way to address that concern without making it impossible for U.S. citizens/taxpayers living abroad to get access to these important records. 

Thank you very much!
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FC HoldCo LLC (VA)

This complaint is the dishonesty of Flagship Acceptance Corporation, LLC and the predatory lending practices. XX/XX/XXXX I purchased a XXXX. purchase price was {$19000.00} with a 13.49 % interest rate payments of {$390.00} per month with a 72 month loan term. If Flagship records their calls as the claim to, Flagship would find that I 've asked over a numerous times about lowering the 13.49 % and I was told Flagship does not change the terms of their loans. Also I received a letter response from XXXX basically saying the same thing. I tried to get the vehicle refinanced to avoid paying {$28000.00} for a {$16000.00} vehicle because the XXXX is considered a used vehicle and is difficult to refinance because the interest rate caused me to be underwater in my loan. Although I paid late due to situations beyond my control. From XX/XX/XXXX to XX/XX/XXXX Flagship received over {$7700.00} from me and I still owe {$17000.00}. I received a call from XXXX office XX/XX/XXXX regarding my amount due and interest rate and Flagship agreed to drop the interest rate to 8 % payment {$330.00} with the a 72 month term. When I informed Flagship that I filed chapter XXXX the representative told me that they will not go lower than 8 % I asked if she could submit a request for a lower interest rate. My lawyer XXXX Esq.receive a letter from Flagship agreeing to drop the interest to 4 % and reducing my payment by {$2.00} per month 72 months. The blue book value of this vehicle is {$8000.00} and if I surrender the vehicle that the only amount legally that Flagship could sell this vehicle, yet they want me to pay {$17000.00} for this vehicle. In my opinion this is not an ethical business practice similar to the pay day loan/cash advantage trap. Also Flagship Credit Acceptance LIED when they say they Flagship will not under no circumstances lower the interest rate and change the terms of the loan. A new interest rate a monthly payment was changed was offerred twice
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Last Saturday, I applied for an " Apartment '' filling out the necessary financial " screening paperwork '' which include an " Experian '' credit report. The " Experian '' credit report falsely noted that I had a home " Foreclosure '' sometime in XXXX or XXXX. I am a victim of " Identity Theft '' and now after calling " Experian, '' " Experian '' is also refusing to give me a copy of my current " Credit Report '' that they have on me. I was wrongfully " Denied '' to move into this newer/nicer " Apartment '' complex all thanks to " Experian. ''
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MI)

I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (CA)

I have disputed the statement I put on my credit report that I have asked for this statement to be removed & Experian is telling they Will Not Remove my statement I put up Im demanding that the Whole Statement to be removed ASAP!! 
This is my right its my credit I can delete it I WANT MY CONSUMER STATEMENT REMOVED ASAP WHAT RIGHT DO THEY HAVE TO TELL ME I CANT REMOVE A STATEMENT I PUT UP.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (RI)

State Bridge Company They service my mortgage. 

They rarely pay my taxes on time. 

I put calls into their office and I am told they will create a " ticket '' and get back to me. 

I am getting letters from the city tax collector. Again - I have called and they just say they will take my information and call me back.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

I saw " negative information '' re-inserted by XXXX which was preciously removed after a dispute. This happened after I caught them having opened an account under my name without my knowledge or consent. Since XXXX did not correct their mistake, I terminated all business with them. They most recently re-inserted a negative report. I tried initiating an online dispute with Experian, but they prevented me. My FICO score has since been lowered because of this.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I have been disputing a fraudulent Judgment and Collection account that I am not liable for on my Equifax credit file since XXXX XXXX, 2016 as they are in violation of the FDCPA. I have provided Equifax with all documentation supporting my dispute and they refuse to properly investigate and update my credit file accordingly by deleting these items.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

For the second time now Equifax has had my credit report disputes under investigation for more than 30 days with no results. They have not sent the results or changed the pending status on two separate occasions. These items must be deleted per the FCRA laws, I should not be subject to an additional 30 day wait for a dispute that I have submitted legally.
Consumer complaint received 2015-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I have a complaint against XXXX Credit reporting agencies XXXX and Equifax I have sent XXXX letters to dispute that I still Owe XXXX on A 6 year old XXXX XXXX account XXXX ) I had insurance on the card and the bank did Not Pay ( see XXXX class actions against XXXX XXXX Bank, I removed my self from all class action suites against Bank ) I owed XXXX from XX/XX/XXXX now 6 years latter they say I owe XXXX have it reporting current late and I am at 138 % of my credit line this is dragging down my credit score. I lost my Job and Wife in XX/XX/XXXX I had insurance on each card the Bank would not cover after I spent XXXX on preiums over 8 years ( XXXX ) cards Its just XXXX card they report like this also it is a card that the bank sent me a XXXX C in XX/XX/XXXX and stated as income not a debt so they take a write off and now place on my credit as being 120 days past due its been 6 years since I payed on this since the insurance was to coverPlease advise XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

Ditech/GreenTree loan # XXXX XXXX XXXX, XXXX XXXX CA XXXXShort Sale was started with Ditech/GreenTree XX/XX/2015. 

XX/XX/XXXX we received a counter XXXXXX/XX/2015 we called Ditech/GreenTree to get a copy of the BPO. Their phone system hung up on us. Sent and email to the negotiator instead ( see notes ) XX/XX/XXXX we were tol the borrower had to call customer service to get a copy of the valuation in writing. 

XX/XX/2015 the borrower has called multiple times and left many voicemails. No one at Ditech/GreenTree will call him back. 
***ECOA ViolationXX/XX/2015 we sent a new offer package to Ditech/GreenTree via fax - the same fax number they have been using for several years, and throughout their change to 'Ditech'XX/XX/2015 Ditech/GreenTree told us to refax the offer package a to different fax number - XXXXXX/XX/2015 we spoke with " XXXX ''. XXXX said they still did n't have the docs we have already faxed twice. When we asked for a correct fax number, he laughed at us and said he did n't care that we had to keep refaxing the docs. He gave us yet another ( third ) fax number for the documents. They have been refaxed - this is the THIRD time they have been faxed to Ditech/GreenTree. 

We fully expect Ditech/GreenTree ( whatever they are calling themselves this week ) to tell the CFPB that we are lying. We know the CFPB has received LOTS of these same type of complaints. And I bet Ditech/GreenTree says the same exact thing every time. 

The simple facts are these:1. Ditech/GreenTree refuses to follow ECOA Guidelines regarding giving the borrower a copy of the value done in the decisioning process of their loan. 
2. Ditech/GreenTree is OBSTRUCTIVE in the short sale process. 
3. Ditech/GreenTree purposely defrauds their clients and their representatives. 

***When is Ditech/GreenTree going to be shut down and put in jail??? If I were to behave this way I would be FIRED, PROSECUTED, AND SENT TO JAIL!!
Consumer complaint received 2016-08-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: MOHELA (NH)

I went to XXXX College in XXXX - XXXX. I was XXXX in a elevator accident in XXXX XXXX. Years later I got some of my senses back and tried to straighten out everything on my credit. Mohela was on it, I got calls every day, they told me to call another number that sent me paper work to forgive it for XXXX. I thought it was for loan and interest. I filled out the paperwork and sent it in and was denied because it did n't have a review date. I have XXXX and others. The XXXX and messed it up a little. I have been on XXXX since XXXX XXXX, XXXX since XXXX XXXX. XXXX was the business I was dealing with. I wanted to find out why the student loan was still on my credit for 9 years, Mohela answered because I was having late fees added each month. The school was closed for stealing student money. XXXX school would payoff my loan which most of it was not my pay off. Mohela told me to go through school closing, I was denied. I recently found out XXXX College closed and that is why my loan was not closed. 
I wanted to see where the figures came from that added up to the over XXXX student loan. I was given a copy of a master signed by me and a copy of all different charges that made no sense. I still ca n't tell where they came from. Right now my total is about XXXX. 
My figure is XXXX courses @ {$500.00} x XXXX = {$4500.00}. XXXX grant {$2000.00} deduct = {$2500.00} which should be my loan at most. 
I have a small XXXX check which is not even enough to get through each month. I do n't know where to go. I am stable with XXXX medications each day but still have bad days. Anything you can help me with I would appreciate. 

Thank you, XXXX XXXX
Consumer complaint received 2015-06-01
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I recieved a payday loan from ACE CASH EXPRESS and my repayment was taken from my account a week before it should have been causing me to go into the negative and pay fees. Now they are threatening to send me to collections. They would in previous loans email me a reminder that my payment was coming due and the date it would be taken out would be attached. Not this time!
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

I noticed on all XXXX of my credit reports that there is a collection from ACE CASH that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.
Consumer complaint received 2017-02-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (MN)

Att cfpb Inference to discover card XXXX I 'm writting to continue my dispute with Discover Card. about unlawful reporting that they are reporting about me. I 'm well aware that Of rights as the consumer. I will stand my ground tooth and Nail if I have to hire and lawyer to get this remove from My credit File the Law clearly states that The original creditor in this case would be ( discover card ) MUST I REPEAT MUST SEND EACH CREDIT REPORTING AGENCY COPY OF ANY CREDIT APPLICATIONS WITH THE CONSUMERS SIGN SIGNATURE ATTACJED TO IT. I 'm fully aware that discover back failed to do so. because I reach out to XXXX / XXXX / XXXX None of these reporting agencies were Able to provide me this Information ( CFPB PLEASE SEE ATTACHED FILE FROM XXXX With there Finding. The FCRA 609 ( A ) ( 1 ) ( A ) That the consumer has the right to ask the creditor / reporting agency for this enclosed information! Also FCRA SECTION 611 ( A ) ( 1 ) ( A ) / 611 ( 5 ) ( A ) Also states That YOU ARE REQUIRED TO PROMPTLY DELETE THIS INFORMATION. You have effect My ability to Obtain credit in my name! This is VERY shameful on your behave for failing to send the necessary paper workwork to the reporting agencies That the FCRA REquire your company to to follow. You should really be ashamed of yourself.. 
XXXX I give you XXXX Business to have this fraudulent information that you are reporting on me off of all XXXX file because I will Take Legal action! 

CC CCFB I HAVE ATTACHED A FILE TO THIS COMPLAINT FROM XXXX DATE XXXX XXXX ALSO WITH XXXX AND XXXX PLEASE SEE PREVIOUS CFBP case number XXXX also case number XXXX CFPB NONE OF THESE AGENCYS HAVE THE PROPER paper WORK TO BE REPORTING fraudulent and Negative information about me. 
Thank you XXXX XXXX
Consumer complaint received 2015-11-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (AZ)

I had opened a Discover Savings account using a promotion. I fulfilled all the terms and conditions mentioned in the promotion code including entering the promotion code also. Just to be on the safer side I got a cross confirmation from Discover that i will get the promotional bonus also-i had the email conversation via secure message center. Later when i am expecting that i will get the promotional bonus - i come to know that Discover is asking me whether i had entered promotional bonus or not? May be they are having second thoughts now. And most interesting - why they are deleting the messages like this? I can see that on the website they have mentioned that " all messages are going to be deleted after 30 days '' ... why??? In this age of Bigdata and analytics ( where storage is so cheap ) and moreover for legal reasons - financial institution should not do something like that - why DFS is not following it?
Consumer complaint received 2015-11-15
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (CA)

Discover Financial Services has an 10 % Cashback Bonus when discover card is used to pay using XXXX for in-store purchases. When I tried to use the eligible card at an XXXX XXXX XXXX store, the charge got declined. When I called Discover customer service, they advised me to use physical card instead and then call customer service to get the 10 % Cashback bonus. I did just that! 
However, later when I called them they to refused to honor the promise and only offered XXXX points as a courtesy ( equivalent of {$10.00} ). The 10 % cashback bonus on that purchase would have been {$40.00} dollars.
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DISCOVER BANK (FL)

I HAD DISCOVER CREDIT CARD I MISSED FEW PAYMENTS AND THEY CLOSED THE ACOOUNT BUT AFTER THAT I HAVE BEEN PAYING THEM EVERY MONTH FOR OVER A YEAR. MY FINANCIAL POSITION GOT LITTLE BAD AT START OF THIS YEAR SO I COULD NOT PAY THEM IN XXXX 2016 .SINCE THEN THEY BEEN CALLING ME A LOT. SOMEDAYS THEY WILL CALL LIKE 4-5 TIMES A DAY .I HAVE BEEN DEPRESSED SO SOMETIMES I DONT FEEL LIKE ANSWERING PHONE BUT STILL THEY WILL BE CALLING AGAIN N AGAIN. LAST WEEK I CALLED THEM AND TOLD THEM THAT I AM NOT ABLE TO PAY NOW BUT WHEN I AM LITTLE BETTER ON MY MONEY I WILL CALL THEM AND PAY WHATEVER I CAN. I SPECIFICALLY TOLD THEM NOT TO CALL ME BUT THEY ARE STILL CALLING ME. WHAT SHOULD I DO?. ITS FRUSTRATING AND DEPRESSING ABOUT ALL THESE CALLS WHEN I AM ALREADY HAVING HARD TIME. CAN PLEASE GUIDE ME WHAT SHOULD I DO?. THANKS A LOT.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax since opening the case with you has reinserted negative inquiries effecting my credit score. More than XXXX it makes it even more difficult to make any sort of effort in maintains health credit to take care of me and my family. XXXX Even though the child support case for XXXX is no longer valid and was only taking XXXX dollars a month because it was know to be fraudulent Equifax still reports it and causes me to be XXXX percent debt to credit. I have submitted police reports IRS affidavits ftc reports to let them know to remove it for months and and they ignore me. Credit affects people 's lives more than anything and they should be hold accountable under those federal laws.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation (TX)

my name is XXXX. i was attending XXXX when the school shut down. i have a private loan with American Student Financial Group my loan was for XXXX and they are saying i still owe them since they payed XXXX in full. i however disagree that i still owe them due to the fact XXXX did hold up there end of the deal by letting me complete my education. i have payed them what i have used which was almost XXXX dollars. I dont care to have my money back i just dont want to be responsible for this loan anymore. i have called them and they have said that i still do have to pay them