davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CO)

I am writing to document a formal complaint against XXXX and LoanCare mortgage servicing companies. 

Recently, XXXX ( XXXX, XXXX ) purchased my mortgage from my previous lender, LoanCare ( www.myloancare.com ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by XXXX ' reviews and LoanCare online. 

On XX/XX/XXXX, payment from XXXX to LoanCare went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, LoanCare also auto-drafted the monthly payment from my checking account. LoanCare does not have record of this on my online profile and they have not forwarded this payment to XXXX as both companies have said they would through the transfer process. 

XXXX now has sent me to a debt collector for failure to pay my XXXX payment and plans to auto- draft double my monthly payment from my checking account on XX/XX/XXXX. 

This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. 

To make matters worse, neither LoanCare nor XXXX offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that XXXX has created during the weekdays.
Consumer complaint received 2017-10-11
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. (FL)

On XXXX/XXXX/XXXX a loan was taken out in my name with XXXX XXXX. I believe it was a third party company that submitted the loan application to them in my name for a XXXX XXXX XXXX for {$34000.00}. 

I submitted a dispute to them in writing, where they sent me the original agreement that was sent to them with what appears to be my signature. 

I have never been in this car nor have I ever seen this vehicle. As soon as I found out there was a car in my name, I called XXXX XXXX and advised them to pick it up as it was fraudulent. They got the car, however still held me responsible for the finance charge, which is still effecting my credit. 

To add to the issue, I reviewed the employment verification documents and it shows that I 've worked for XXXX XXXX XXXX, making $ XXXX as an office XXXX, which is incorrect. I have been a nurse for over 10 years and have never worked at XXXX XXXX XXXX. 

This issue has caused an extreme issue with respect with me getting approved for a home loan at no fault of my own. 

I have dealt with this for months and am at the point where I need the accounts removed and removed from my credit report immediately. It clearly shows that XXXX XXXX has been engaging in unfair practices at my expense. 

Please help. I have no other alternative for this matter.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ). 

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CARD Corporation (LA)

MY NAME IS! XXXX XXXX, MY DEBIT CARD NUMBER XXXX XXXX XXXX XXXX, VALID THRU:XXXX, CAN YOU CHECK MY SSI PAYMENTS TO MY CARD! XXXX thru the XX/XX/XXXX in the amount of {$760.00}! ssi number:XXXX,XX/XX/XXXX, Address:XXXX XXXX XXXX XXXX, XXXX, La XXXX! Phone Number:XXXX
Consumer complaint received 2016-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

In XXXX I attended XXXX University in XXXX PA for about 1 month. I had applied for my GI bill to pay for my attendance. I dropped out after about 1 month and returned to the military. I have my XXXX paperwork showing I went back into the service. On my credit report AES is reporting that I owe over {$5000.00} and XXXX XXXX XXXX XXXX XXXX is also reporting a very similar amount. I did not even finish a semester. I have tried contacting the creditors directly but I keep getting the run around. They have been taking my tax returns and not reporting them and considering I only attended school for, at most, XXXX months, I do not see why the full amount would be owed by me to the lender and the government. I really need someone to help me sort all of this out because, as stated, I am getting the run around and not able to get any documentation from any institution regarding anything.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

had requested experian to investigate a credit inquiry for XXXX dated XXXX. I was told in the response that I had to dispute directly to XXXX I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (MA)

I was n't living on campus at the time nor did I resign a lease to stay there during the time expressed on the fraudulent lease the manager signed my name there are numerous complaints of illegal activities in their office and its student housing they should be shut down because there are hundreds of students they have taken advantage of which is why I moved to begin with
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CT)

I previously submitted a cfpb complaint XXXX. I submitted a complaint because of a new collection account that is reporting in my credit report this was submitted on XX/XX/XXXX and the account that I filed a complaint was XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX I am happy that account has been removed from my credit report today XX/XX/2022. But I got disappointed when the same balance and original creditor which is XXXX reported this account this time with AFNI ( Original Creditor : XXXX XXXX ) account number XXXX. Again, as I previously mention I am not aware of this account and never received any notification from this agency. I can't believe that if I am conscious of my credit report any agency can add accounts to my credit report without a notification. I can't believe that any account can be on and off my credit file. Please read my previous complaint and have this account removed from my credit report.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX I disputed this Information via by Mail and again By their webiste. On XXXX XXXX XXXX Experian stated that the information was unchanged and had gotten validated proof from said credit. When asked to furnish these findings via Mail. I got no response yet the Bureau still has this item listed with very inaccurate information. It is still being reported on my credit report when it stated that XXXX XXXX the item would be removed. This company allowed XXXX XXXX to continue to make illegal reports to my credit report violating my civil rights. under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

I am trying to set up a repayment plan based upon my discretionary income and the amount is still much, much too large. I am being asked to pay {$1400.00} per month. This would be in addition to my monthly mortgage of {$2200.00} per month. Student loan repayments of this amount are unsustainable. I can pay about {$450.00} to {$500.00} per month, that 's it. I can not seem to get speak with a human being to negotiate a payment that is reasonable for my family budget. Can you help me with this? Everything in electronic via a website link or e-mail. No human being with decision making authority are available to speak to me about this. Please help. 

My phone number is XXXX, Thank you.
Consumer complaint received 2015-11-20
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (UT)

On XXXX I received a phone call from XXXX Bank ; to verify purchases made on my card. XXXX purchases for gas XXXX were made, with me living in XXXX. I informed the bank that the charges were not mine. At this time the agent I spoke with informed me that she would close out my account, initiate a fraud claim, and I would receive paper work in the mail. After allowing two weeks to go by, I still have not received any paperwork in the mail regarding affidavits she informed me I would be receiving. I followed up with online banking and their response was to call customer service. I called and was transferred all over the place, no one seemed able to help. I again tonight looked to see if any credits have been issued regarding the fraud charges, and nothing has been issued as far as any provisional credits as outlined per REG XXXX I am alarmed and baffled, especially where XXXX Bank took their time on another case with a dispute two months ago, and since timed elapsed on their end they ruled that the dispute was outside of guidelines. The fraud charges are the only charges making up my balance ; and yet, they ( XXXX Bank ) are requiring me to make a minimum payment. If a provisional credit was issued ; then there would be no balance due, actually a credit balance refund for XXXX credits that were issued for a return from another merchant. I submitted another request today via online, requesting credit again this evening. I also informed the company that if this matter goes un corrected I would be reaching out to XXXX XXXX directly.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANCORP (WI)

My husband received a call from an XXXX number while we were traveling on vacation. I answered the call and no one was on the other end so I hung up. When I called back, they identied themselves as " member services '' and not a credit card company. Eventually, I came to an understanding that they were credit card company and they said my husband have a past due balance. We never received an initial statement or any subsequent statements. My husband told them that they could talk to me because he was driving. I had hoped that we could resolve the issue on the phone but apparently not. 

I do n't understand why they identify themselves as " member services '' and not a credit card company. If they would identify themselves correctly, people may think they are something besides a telemarketer.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IL)

I have purchased a home with my ex husband the loan is in his name only and I 'm on the deed to the house we divorced in XX/XX/XXXX I have resided at the property and have been paying on his mortgage to stay here the payments got behind I paid the bank {$1000.00} in XX/XX/XXXX and been making the payments the mortgage company is refusing my payment because its behind and no payment plan was set up now I 'm disputing with the mortgage company to get all my refund that legally I 'm not responsible for and now they are foreclosing on the house and trying to put me out
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Credit Plus Inc (CO)

Company response indicates the following : Response Credit Plus has received a complaint that you posted in the CFPB complaint database. The complaint is a joint complaint against both XXXX XXXX and Credit Plus. It 's unclear to us as to the nature of the complaint against Credit Plus, so could you please clarify the nature of the dispute, if any, with Credit Plus. 
Sincerely, Credit Plus, Inc. 

Clarification : Credit Plus failed to properly follow it 's own policies as presented to me and my wife. When opting to use the 'rapid rescore ' service we were told that providing proofs of statements showing payoffs would result in a rescore to the model as proposed by Credit Plus without an additional inquiry and the process would take less than a week. 

Instead what happened was that Credit Plus repeatedly claimed that the credit accounts paid were not being confirmed by creditors, even after our own credit reports were showing the accounts paid off and we provided subsequent month ending bank statements. Additionally our credit was pulled repeatedly resulting in our score being lowered. When escalated, the process remained opaque and the process was never explained to us, nor was an adequate escalation resolved when it became clear that Credit Plus was doing much more harm than good. Even though we were following the instructions provided to us. 
This harmed me and my wife in the following ways : 1 ) It robbed us from making an informed decision by either improperly and otherwise failing to disclose the policies/processes of Credit Plus. This may have resulted in us hiring a different lender. 
2 ) This further injured us by resulting in our rate not being locked until the day before closing and resulting in a significantly higher rate than had we locked at the time. 
3 ) Our credit reports were repeatedly dinged resulting in lower credit scores overall despite that we were informed that the process did not involve a hard pull on credit. 

Ultimately, by not providing clear, simple disclosure, we were unable to make an informed decision, and resulted in my wife and I paying a rate approximately 0.40 % higher than had we locked on the first day. Carried over the life of the loan this is a financial loss to us of {$32000.00}. Ultimately we would like this as compensation for being misled so that we can apply this to the balance of our home loan and offset our injury.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WI)

I am currently having my mortgage being serviced by US Bank Home Mortgage. Due to banking error and ACH bank draft issue - my mortgage fell 5 months behind. I attempted to get back on cycle with USBHM in XXXX 2016, however USBHM, indicated that account was in delinquency status and needed to have current and all past-due payments. So currently, past due payments have " ballooned '' to $ XXXX+ in back payments and late fees. Additionally, I requested to participate in the US Bank Home Mortgage Assistance /Loss Mitigation Program but was denied further participation in program, along with a workout option. I am currently appealing this decision and await and hopeful a favorable reply with my request. I have also made two recent mortgage payments to USHM - on XXXX 2016 and XXXX 2016. Please note since USBHM has serviced this account and up until this point, my payments have been timely. Additionally, I have been a US Bank account holder - for 17+ years.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

I have a safety deposit box at US Bank. They take the yearly fee from my checking account ... .which I agreed to have them do. They send no reminder by email or regular mail so that if I forget I will be charged a daily overdraft charge until I receive a notice from them and can put money in the account. If they can generate a notice of an overdraft they must be able to generate a notice that a fee is coming up on X-day. 
I see this as only slightly more honest a way of doing business than opening accounts in customers ' names without their knowledge.as XXXX XXXX did. I have a busy life and do n't necessarily have a big note on my calendar ... or have an extra {$99.00} in my account
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (SC)

This complaint concerns a mortgage loan issued by US Bank. The mortgaged property was sold on XX/XX/2016. The annual real property tax due on the house, approximately XXXX, was paid twice at settlement. The standard procedure in cases of this kind is for XXXX County in Maryland to refund half of the overpaid tax to the settlement agent for seller for remittance to the taxpayer, and half ( approximately {$10000.00} ) to the mortgage banker, in this case US Bank, for remittance to the taxpayer ( I.e., the mortgagor of the property ) XXXX County duly refunded the overpayment. The settlement agent has refunded {$10000.00} to me. On XX/XX/2016, XXXX County refunded {$850000.00} to XXXX, lenders'agent for the payment of real property taxes on mortgaged property. This sum inicluded many refunds, including the {$10000.00} due me. Notwithstanding the receipt of the refund over three months ago, US Bank has not repaid the tax refund to its proper owner. 
It thus appears that US Bank is exploiting its position as mortgage lender to unlawfully appropriate, and use interest-free, funds that belong to consumers with which it deals. Considering that my tax refund was one of numerous tax refunds paid on XX/XX/XXXX, US Bank may be engaged in the general practice of misappropriating consumer funds.
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC (PA)

This number calls my home every morning at exactly XXXX The caller id does not ID them and then they hang up. Research on the internet determined they are id scammers who call to collect very old and often non existent debt. Other than hang up phone calls I have had no other contact attempts made to me by them.
Consumer complaint received 2016-06-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica (NC)

On XXXX XXXX I was unable to access the funds on my credit card issued by This was n't the first time this has happened to me. 

Several times I attempted to gain some assistance from the credit card company issuing me the card. On every attempt either the website was not available, or the phone. The phone number listed for Customer Services is a recording and never answered by a human. If it is n't busy the recording invited me to call back later. 

I was advised by the FDIC to call the bank, Comerica. I did and I spoke with a man who told me that the banks participation is only because the bank provided the plastic for the card even though the bank is listed prominently on the face of the card. The funds, I was told, are not insured. 

I immediately requested to speak with a supervisor who gave me the number for corporate affairs who she said handled such questions. The question I had was : is the bank affiliated financially with Direct Express. 

My complaint is my money safe, why ca n't I speak about my concerns, and is there a financial relationship between the card company and the bank? 

Thanks XXXX XXXX XXXX
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (IA)

I have an existing XXXX year mortgage at 5.625 % that I am trying torefinance to a XXXX year at 3.64 % with US Bank. I was told that our debt toincome ratio could be no higher than 45 % and our credit scores werefine. Our debt to income ratio is 38 % so when the loan was denied Iasked why and they refused to give me a reason. I have sent numerousemails trying to get an explanation to no avail. I just keep getting therun around, answers like we have new regulations and guidelines tofollow with no real explanation as to why my husband and I were denied.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (MN)

On XXXX/XXXX/15, I disputed an Incorrect Electronic Funds Transfer with Discover Card for Image Dental ( {$600.00} ). Since this time only a temporary credit was issued and again the ( {$600.00} ) appears on my account. I was told by Discover Card they do not offer permanent credit for Incorrect Fund Transfers. They only ask the Merchant to provide a credit to my account.