davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc. (CA)

Dear CFPB, I am writing to file a complaint against BSI Financial Services, located at XXXX XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX. Tel : XXXX. I currently have home loan with this institution with the outstanding principal of {$980.00}. My most recent mortgage statement is due XX/XX/XXXX in the amount of {$1400.00}, which includes {$980.00} principal, {$430.00} escrow, and XXXX in interest. On XX/XX/XXXX, I made a payment online as I always did. The institution withdrew the money from my bank but then rejected the payment and sent me a refund in the mail after XXXX weeks. I then contacted BSI to inquire on this matter, and its customer service told me I need to obtain a payoff statement and pay it per the payoff instruction. The representative told me the payoff was going to be sent to me by email within 10 days. Upon checking my email after 10 days, including the spam folder, there was nothing to be found. I contacted BSI customer service and was told it was already sent to me, and they were going place a request for a resent via email within 24 hours. Again, I still didnt receive it. I called BSI again, and now another rep told me the payoff statement was never sent due to the recent payment reject awaiting to be finalized. The representative then said to be able to send me a payoff this time since the reject has now been clear. Meanwhile, I can go ahead and submit the payment by a certified check. This time I sent in a certified check for {$1600.00}, which was more than the payoff amount. This payment arrived at BSI and was recorded on XX/XX/XXXX. On XX/XX/XXXX, I contacted BSI customer service and was told that this payment was again rejected. I asked as to why this still got rejected and not applied to the payoff to release the lien on the property. I was told somebody was going to call me within 24 hours. I still havent heard back from BSI. I dont get why BSI is making it difficult for me to pay off my loan and release the lien . Does BSI try to steal my property? It knows this is not going to happen so why even try? Or is it in the companys mission is to be greedy and exploit however it could? I don't understand that. BSI knows well if it doesnt answer to me, it will have to answer to somebody so why make this bad for them? BSI is greedy as it kept raising interest on me, as a good customer who never failed on a single payment. This got me upset that I decided to pay it off. Instead of making thousands and thousands of dollars off me on interest, they will now make nothing. And what will I remember of BSI Financial Services? 

I am asking CFPB to get involved and help me as BSI can not hold this kind of practice because it does it to me, it will do the same to other people. Fortunately, I do voice, but what about those who dont? 

I thank you for your time looking into this matter for me. Not only this will help me, it will also help prevent from the same happening to other customers. 

Sincerely, XXXX
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CATHAY BANK (CA)

Cathay Bank sent me a check book and a debit card for an account I did not open. The account has monthly fee. 

I had a closed account with XXXX bank in XXXX, who sold their XXXX business to Cathay Bank since XXXX, which has reopened that account in my name without my consent. 

The customer support line of Cathay Bank is not responding after XXXX hour wait.
Consumer complaint received 2024-02-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CO)

Please reference previous complaint submitted that is now closed XXXX American Express prepaid gift card Card number XXXX XXXX XXXX XXXX Exp XX/XX/XXXX The response from the company said they would issue a check and send it to me within 7-10 business days of XX/XX/XXXX. It is well past 7-10 business days and I have received no such check. I have called the company. Called on XX/XX/XXXX at XXXX MST and was told I would receive an email with an update within 24 hours. They confirmed mailing address and email. There has been no email response and no check sent. 

The company does not respond nor has it solved the problem of repayment of {$300.00}
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (PA)

An account with XXXX XXXX XXXX  was opened in my maiden name on XX/XX/year>. I have submitted a dispute with XXXX to remove the fraudulent account from my credit report. The dispute came back with nothing changed. I contacted the debt collection agency who purchased this debt XXXX XXXX who will not remove this from my credit report and is suggesting I pay the debt. I believe this whole situation is part of some bigger fraud or scam. How in 2 months did this go into collections and be purchased by a debt collection agency?
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

These fraud accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Integrity Solution Services, Inc. (AZ)

The company filed a report against my credit without contacting me. When I contacted the company to see why they had filed a report against my credit without contacting me they stated I had given false information about myself. As I had never given any information on the debt as it was not mine ( it was a mistake from XXXX ). When I asked them to give me the information that led them to file the report against my credit they refused. They stated I had provided fraudulent material to XXXX and it was my responsibility to give a phone number and address I never gave any of that information to anyone as it was not my debt. They stated that I must contact XXXX. Only through them could I contest the charge. The company never contacted me and filed a resolution against my credit score and never provided any information to me on why they did this. They refused to help me at all when I explained their numerous mistakes in contact information ( that I had never provided as the initial company made the mistake ). XXXX worked to resolve this quickly. The debt collection agency said it was all my responsibility for THEIR mistake. They have kept the mark on my credit report even though I never had an opportunity to respond as they had wrong information and never contacted me to allow me to dispute their claim.
Consumer complaint received 2020-07-01
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. (FL)

I HAVE CONTACTING XXXX, EXPERIAN AND XXXX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT XXXX XXXX   TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( XXXX XXXX ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Upgrade, Inc. (CA)

I had an account with Upgrade that paid money in XXXX. I asked for a refund. The took the money out of the account, but never paid it. I have repeatedly been promised payment for 30 days. All promises no performance
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!
Consumer complaint received 2016-01-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (NJ)

On XXXX XXXX, 2016 I was receiving calls from my family members and friends stating that a XXXX XXXX was calling and leaving messages stating they needed to reach me. I then called the number that was left on my phone and was able to reach someone. This person told me this was in regards to a debt. I quickly pointed out that I had not received anything in the mail in regards to this debt. She proceeds to become very angry and keeps questioning me as to when I will be able to pay the money. I explained to her not until I received written verification and had an attorney looked at it. She continued to harass me, yell at me for wanting to have my attorney look at and verify this debt and not allow me to speak until I finally just had enough and hung up. I am very upset and feel violated and embarrassed as they called every single person I have ever come into contact with. To make matters worse I was never given the name of the debt collection company.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern, I am writing to formally request the prompt issuance of the remaining balance check of {$170000.00} USD from Bank of America ( BOA ) for a closed account. 
Account info, name of the business : XXXX XXXX XXXX Account number XXXX XXXX : XXXX This account had been receiving customer payments in succession by the end of XX/XX/XXXX. During this period, the account was temporarily restricted by BOA 's risk management department. However, after providing the necessary customer information, including names, email addresses, and phone numbers, the risk assessment was completed satisfactorily, and the account was returned to an operational status. 

Subsequently, a change of ownership for the company was processed, transferring from XXXX XXXX to myself, XXXX XXXX. In XX/XX/XXXX, I received a letter from BOA indicating the closure of the account. Then, in XX/XX/XXXX, a check for {$110000.00} USD was issued to the company, but the subsequent amount of {$170000.00} USD remains unpaid. 

The handling of this matter by BOA has been highly unprofessional for several reasons : The account funds had already been verified by BOA 's risk control, with all necessary customer information provided. Despite this, BOA has continuously claimed that the account requires additional investigation, refusing to accept further customer payment contracts and invoices as additional proof. 
The delay in receiving the final payment is excessive. Since being notified of the account closure in XX/XX/XXXX, the remaining balance has not been received as of XX/XX/XXXX. 
Enclosed are the final statement and notice from BOA pertaining to this matter. I urge the Consumer Financial Protection Bureau to intervene and facilitate the expedited resolution of this issue, ensuring that the remaining balance owed to me is promptly settled. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (NY)

I was experiencing financial hardship and called XXXX XXXX to setup an arrangement. In the process I asked for exact dates for when both cards ending in XXXX and XXXX would go into collections and was told that for XXXX XX/XX/XXXX and XX/XX/XXXX for card XXXX. When I called in to make the payment on card ending in XXXX before the said date, I was told that the card had been charged off and that it was nothing that could be done. This is unacceptable as it is clear that I was miss-advised. Not to mention, XXXX XXXX and the collection agency Midland Credit Management are both denying me my right to the recording of the call. This is pure negligence that I insist on fighting to the end.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit reporting agencies have not removed the XXXX XXXX report from my credit record I open this account in XXXX and I believe it should have been removed in XXXX because of the statue of limitation. We have tried unsuccessfully to remove. This involves all credit reporting agencies and my account number for this is XXXX. Thanks your help is appreciated. 
XXXX
Consumer complaint received 2024-02-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MO)

on XX/XX/2024 the collection agency MRS BPO LLC. added a collection report to all three on my credit reports knocking my score down by almost 200 points, after receiving notice from XXXX I immediately contacted the collection agency they said the XXXX was for XXXX XXXX XXXX phone service, I explained i have never had any phone service in my life with XXXX XXXX XXXX. he tried to verify my address which they did not have, he stated my address was a new jersey address and someone opened an account with XXXX XXXX XXXX and never paid one payment on the bill. I explained i have never even been to new jersey or in an XXXX XXXX XXXX store for that mater and to send me proof i signed for any account. he stated this seamed all wrong and they would send me paper work on it, he also questioned how someone could run up a XXXX phone bill with no payments made. i have never got any paperwork from this company. we are getting ready to refinance our house and this has greatly impacted our interest rate, I thought i would try this remedy first before involving and attorney for damages
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

Our credit was unfairly and fraudulent reported due to United Mortgage Company and XXXX XXXX resulting in a low score, which we have NEVER had. United Mortgage Company transferred our mortgage to XXXX XXXX and did not inform us as my understanding of the Truth in Lending Act requirement. We received letters in late XX/XX/XXXXXXXX  from XXXX XXXX of a " data breach '' which we thought was junk mail. 

We finally received a notice from the VA ( on XX/XX/XXXX ) we were over XXXX delinquent as did not know our autopay was purposely stopped ( it was in a savings acct so did not notice right away ). I immediately paid the {$5100.00} to UMC on XX/XX/XXXX, which they accepted, they would not answer why my autopay was stopped and I could not reach a real person, only AI messages. 

I finally noticed on the VA letter of strange mortgage company XXXX XXXX and figured out my loan must have been transferred since I got the data breach letters-however when I called XXXX XXXX, they did not know of my loan. 

When I complained to UMC they told me to call " customer relations '' -which was really XXXX XXXX . UMC ignores or lies about everything, it is horrifying such a mortgage company is allowed to do this. 

We still have not received anything from XXXX XXXX or properly notified our loan was transferred and terrified to make a pymt to XXXX XXXX as they are a scam company-they owe customers thousands in lawsuits and now breached both my husband and my data-we are XXXX veterans and live on XXXX-this is unacceptable. I contacted the VA and will not help. I have no idea who our true mortgage company is and now our data is breached and my credit is RUINED. 

My score has historically been in the XXXX or high XXXX 's for over 40 years. Now it is in the low XXXX and no one will help me, I asked right away for UMC to make certain they notified me of changes and correct any reports sent to credit agencies. Please help.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (UT)

I filed a bankruptcy in XXXX XXXX and it was Discharged in XXXX XXXX. Items are only supposed to remain on credit from 7 years after date of last payment, which is has been. This account should have fallen off of my credit report after XXXX XXXX, but it is still reporting on XXXX. Also, Seterus sent an update to my credit file in XXXX XXXX, which is against bankruptcy laws because they are further damaging my credit after my bankruptcy discharged. This is preventing me from obtaining financing and I have called Seterus to try and resolve this issue to no avail.
Consumer complaint received 2016-06-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

I have been attempting to adjust my payment plan with Navient due to economic issues and being unable to make the current payment amounts consistently without severe hardship. I have repeatedly spoken with Navient representatives about lowering the interest rate, extending the duration of the loan, having a deferment or forbearance, etc. though each time the Navient representative quotes a repayment plan with a higher monthly amount. 
I received a letter from Navient stating that if a payment is not made by XXXX XXXX, 2016 then I will default on the loan., and they will pursue civil litigation options. Navient has contacted me every 1 to 2 hours by automated phone calls since the XX/XX/XXXX ; have been calling my family stating that " I listed them as a reference '' when I did not, ; and they have attempted to obtain my employment information from my employer by faxing a request to verify my income/employment status. However, there is no legal judgment on the loan as of this date ( XXXX/XXXX/16 ), and I did NOT give them permission to contact ANY of my family members ( except for my spouse ) or contact my work to verify employment status.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report.

The account listed below should not show a late payment. I called multiple times to make my payment and was told I could not make my payment while my account was under review for an extension. After I was approved and made my payment, they reported it late and refuse to remove it when it was their system that would not allow me to make the payment early. XXXX XXXX  has already been involved in a CFPB complaint in 2019 and was required to pay a penalty of {$200000.00} and {$34000.00} in restitution to all the consumers affected. This is clearly a pattern for XXXX  to take advantage of consumers.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dispute the failure of compliance with the law regarding the reporting of fraudulent accounts on my credit report. Despite bank confirmation and assurances to remove the accounts, they remain. Other bureaus have removed them. 
XXXX XXXX Additionally, the reported bankruptcy is inaccurate. Please remove it promptly. 
XXXX XXXX Bankruptcy-dismissed Reference : XXXX
Consumer complaint received 2017-01-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

A HUD-approved housing counseling agency submitted a modification request on my behalf XX/XX/XXXX. As of XX/XX/XXXX, there has been no decision made, despite several assurances that my documents are complete. These are verbatim examples of texts sent to me by the servicer : 1. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
2. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
3. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your mortgage assistance application. No additional information is required at this time. To end alerts reply stop. 
4. XX/XX/XXXX : Free Msg Alert! From Citimortgage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
5. XX/XX/XXXX : Free Msg Alert! From Citimortage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
6. XX/XX/XXXX : Free Msg Alert! Citimortgage Assistance Application. No additional information is required at this time. To end alert reply stop. 
7. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
8. XX/XX/XXXX : Free Msg Alert! From Citimortgage : We have assigned a new Homeowner Support Specialist to assist you. A letter/email has been sent. To end alerts reply stop. 
9. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While reviewing my credit report, I noticed unauthorized and unverified hard inquiries on my credit report that need to be removed immediately under the FCRA. 


XXXX  Date of Inquiries : XX/XX/23 & XX/XX/23 XXXX XXXX  Date of Inquiry : XX/XX/23