davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

Hello, I am having issues with NewRez Financial regarding my Escrow account. This is not the first time we have encountered such a challenge. In XXXX of last year wqe filed a CFPB complaint ( Complaint Number XXXX ) about a sudden major increase in our mortgage due to a claimed shortage in our escrow account. There was found to be a missing check from our escrow account from our previous hazard insurance company, but despite sending them the check there was still a difference. After going back and forth with the Agents ( I was told about 5 different amounts I was going to have to pay to make up the difference ), one Agent finally found the error, and managed to bring my payments from over 2500 a month ( as originally quoted ) to around {$2400.00} a month. This is still a large increase from the {$2200.00} we had paid to our original lender. 

Earlier this month, I received another notification that there was a " shortage '' in our escrow account. Now, we have paid extra for the past 12 months to cover the shortage which existed before. There are no increases to our hazard insurance, and there is no increase to our property tax. NewRez claims there is a {$2000.00} shortage for the next 12 months, which would increase my monthly mortgage by another {$170.00}. Upon review of the statement, the only difference I see in the expenses is a DECREASE in my Hazard insurance from {$2900.00} to {$2800.00}. I do not understand how there can be a shortage after paying all year to catch up from a shortage before ( while still paying my current escrow amount ). I am including a copy of my original Guaranteed Rate mortgage statement showing our escrow amount, as well as the most recent escrow analysis received from NewRez. As with my other current complaint, I have made numerous attempts to contact NewRez about this, however they have shown to be incredibly difficult to contact, with calls terminating, and hold times exceeding 2 hours on occasion. 

I understand there will be variances, and slight increases from year to year due to changes in taxes and hazard insurance, but nearly {$5000.00} in two years is an awful lot of shortage to happen. If this is the case, there needs to be better fiduciary management on their part to make sure people stay on track, and aren't stuck paying " shortages '' for the duration of their mortgage.
Consumer complaint received 2020-04-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (AL)

I replied to a piece of mail I received advertising a 2.75 % interest rate for Veterans. I called and initiated a refi ( aroundXX/XX/2020 ). I was told that since my credit score/salary information was high enough that I should remove my spouse from the application to get the lower rate. I received all sorts of documents about the refi that indicated everything was moving along just fine XXXX initial disclosures, estimates, closing disclosures ). Today I received a letter of declination stating that the reason was due to the inability to remove the spouse from the current loan because it is a VA IRRRL. In addition to my credit score taking a hit for the inquiry it has been a huge waste of time. I was told that I wouldn't be making a mortgage payment for XXXX and I agreed to not shop around for better rates. After calling today, I was told that the declination was because the investor is not refinancing VA loans where a co-borrower is being removed until " the covid-19 pandemic blows over '' How can that be a metric for any form of lending? Can you require a co-borrower when the principal borrower meets your lending requirements?
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

I was the victim of a phone scam which resulted in two fraudulent wire transfers being made from my Chase checking account. I realized the scam had been perpetrated within hours and contacted Chase and formally requested a XXXX recall be initiated on the fraudulent transfers but was told that the only way to contact the wire transfer team was by secure email. I completed this step however it was over twenty four hours before I received any reply. In this time frame in spite of multiple calls to Chase fraud the money was transferred several more times. There is apparently NO WAY to initiated a critical and time sensitive XXXX  recall through Chase bank.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (IL)

I tried using my Barclay credit card on XX/XX/20 for a purchase online which was denied. I checked my online account to see that the credit card was closed XX/XX/20 due to inactivity. I called Barclay 's customer service on XX/XX/20 to inquire about reopening the account. I was on hold for 2.5 hours before I could speak to a service representative. When I explained the situation, the rep said the card/account can only be reopened if it has been less than a week ( 5 business days ) and since it's been more than a week she couldn't reopen. I explained that if the account was closed on XX/XX/20 and I'm calling on XX/XX/20 to reopen that only 6 days have passed ( 4 business days ). She replied with saying there's nothing she can do since 24-48 hours have to pass once an account is closed before she's able to reopen. I was very confused at this point since well over 24-48 hours have passed and that was different than her first response. When I asked her to clarify the situation since her responses weren't making sense, she hung up while I was mid sentence and the issue was not resolved. Now I have to wait another 2.5 hours just for the same thing to potentially happen and I'll miss the window to reopen the account.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CA)

My phone was stolen on XXXXXXXX  while I was away out of town working. I live in California and some mountain areas are remote, which was the case for where I was working. I discovered when I got back into town in XXXXXXXX  that my phone was stolen. I bank with current online banking, which is also XXXX XXXX XXXX. I noticed the person who stole my phone, drained my account buying XXXX  online with my virtual debit card and regular debit card which are saved in the phone. I disputed the charges on XXXX and on XXXXXXXX  i was told by current bank that my disputes where not founded and I wouldn't recieve my money back. Its all I had to pay my bills with. How can they conduct an investigation in 4 days? They didn't care about my money or situation they blew it off and have not sent me copys of any investigation or how they came up with this decision. Now today on XXXXXXXX   they send me email saying they will get the cops to me in 3-5 business days. Why does it take this long, because there was no investigation. Please help
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

PHH Mortgage will NOT provide my 1098 interest forms for Federal Tax purposes past last year ( was only given the XXXX form ). My mortgage is no longer with PHH Mortgage & consequently I no longer have access to my online account to view my XXXX through XXXX 1098 Forms ( which is where I safely kept those forms - online ). 
My inquiry/request for past 1098 Forms on XX/XX/XXXX only yielded the XXXX Form. I am requesting 1098 Forms for XXXX through XXXX. Certainly they have access/records of these forms for tax auditing purposes & for previous customers.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

When the covid pandemic began we were lead to believe that any missed mortgage payments would be added to the back end of the mortgage and the loan would be extended. Now we are being told that the missed payments will be due as a balloon payment at the end of the loan term. This is unacceptable and it was misleading
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

My Capital One Venture X card was closed overnight without explanation. I noticed when logging into Capital One that it said This account is Restricted. I called Capital One and they told me my account is in the process of being permanently closed. They refused to provide any information. I have not done anything to violate Capital One policy. They said a letter will be sent to the address on file, but Im not in the United States and therefore can not receive this letter. I was informed my {$390.00} annual fee will be refunded since it has not been 39 days since the fee was charged to my account ( XX/XX/XXXX ), but I did not receive my anniversary XXXX points, I have unused travel credit on capital one travel, and they informed me that they have redeemed my points for XXXX % of the value as statement credit, which I did not agree to. They couldve redeemed as cash back for travel purchases at a minimum since I have plenty of eligible travel purchases. I did some research and can see that this is not an isolated incident. Hundreds if not thousands of people have been the victim of capital one closing their cards without explanation, often just after the card anniversary and payment of annual fee. Before I get emotional and file a claim/arbitration or contact an attorney or investigative news outlet, I want a chance to speak with a member of the executive office of Capital One to confirm if this is a mistake and if my account can be reinstated and if all of the financial damage can be prevented. I find it beyond unreasonable that a credit card company would close a customers account overnight without any notice. I have never made a late payment and have never violated capital one policy.
Consumer complaint received 2020-04-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CT)

Due to the corona pandemic and being out of work and school, taking online classes, I reached out to Sallie Mae, my brother and I over the last several years have taken out many student loans from Sallie Mae. I am a sophomore in college and I have {$25000.00} in loans to SM. I called their customer service # a few weeks ago and asked if my interest could be stopped during the pandemic, I pay $ XXXX month just in interest and have no means to pay it as I am out of work now due to this crisis. My parents are struggling, they pay for the majority of my school and can't add this loan to their finances right now. I was told that Sallie Mae would not be making any exceptions, I think this is disgusting and will look into how I can transfer my loan and will never borrow from them again. They are one of the largest financial institutions for private student loans and are one of the few not participating to help students at this very  difficult time. I would like my interest credited for the month of XXXX and suspended until we are back to school and work.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (OH)

I made a purchase through what I believed was XXXX on XX/XX/XXXX for XXXX XXXX Galaxy XXXX XXXX XXXX phones. It turned out the company I made the purchase through was under the name " XXXX XXXX XXXX ''. Zero payment information was sent to me and when I noticed my credit score took a hit I was able to find the payment information through XXXX XXXX. It turns out the payments were to be made through TD Bank. I can live with that hit to my credit report being I was partially responsible. What followed was an all out assault to my credit score. Auto payments were set up and I assumed I was good to go. XXXX comes along and I see another hit from TD Bank on my report. I call once again asking why and am told the automated payment didn't go through. The account had much much more then sufficient funds to pay. Then in XXXX and XXXX of XXXX the same thing happens and I am fed up with the company. I call to completely close the account and pay in full the remaining balance. When doing so I am given an incorrect amount to payoff. The company agreed to remove the following hits to my credit report. My credit report is hit yet again and yet again I call asking why I am still getting hits on my credit report after paying in full the complete balance. I was told " There's still a remaining balance of $ XXXX ''. I ask the representative why on earth would I would pay $ XXXX and leave such a low balance? No answer was given. I again paid off what I believed was the remaining balance. Nope, they again hit my credit report. I call again absolutely furious at this point and request the full payoff amount and am again told it is " $ XXXX '' I ask to speak with a manager and she gives me a different answer to the payoff amount. Finally got the correct payoff information and the account was paid in full. It still states I made payments till XX/XX/XXXX yet I have had the account closed since XX/XX/XXXX. The fact these are the only missed payments on my credit report speaks volumes about the company. I have tried to resolve this through disputes but have come up empty.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (GA)

I RECEIVED A TEXT MESSAGE FROM DIRECT EXPRESS AT PHONE # XXXX STATING THAT MY PIN NUMBER HAD BEEN CHANGED. 

FIRST OF ALL I NEVER RECEIVED A CARD FROM THEM. I AM WAITING ON A STIMULUS PAYMENT JUST LIKE EVERYONE ELSE. I HAVE HAD CHECKS STOLEN FROM ME IN THE PAST OUT OF THE MAIL AND I AM CONCERNED THAT THIS IS AN INDICATION A DEBIT CARD HAS BEEN STOLEN. 

I TRIED TO CONTACT DIRECT EXPRESS REPEATEDLY OVER THE PHONE TO NO AVAIL. I AM HOMELESS AND NEED MY STIMULUS MONEY. MY STIMULUS MONEY SHOULD NOT GO TO ANYONE ELSE PLEASE HELP
Consumer complaint received 2020-04-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XXXX/XXXX/20.  Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX XXXX : XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX - Account : XXXX Creditor : ( XXXX ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I disputed incorrect information on my ChexSystems report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part. 

ChexSystems has REFUSED to reinvestigate my disputes even though in their letters it clearly states that I have the right to dispute the incorrect information on my report. Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their ChexSystems reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section. ChexSystems has refused to follow this law and reinvestigate the submitted dispute. I did contact ChexSystems by phone to understand these issues but the representative hang up the phone on me mid conversation. They also sent me a letter on XX/XX/2023 and 3 days later claimed that the letter was sent out by error in another letter. 

In accordance with the Fair Credit Reporting Act The accounts # XXXX/ACCT # : XXXX / XXXX and XXXX/ACCT # : XXXX / XXXX have violated my rights. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If ChexSystems can provide any exceptions to this section of the law then they shall provide me with a clear reasoning.

I request color copies of my Identification including my Social Security Card used to open these account. 

If ChexSystems can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.