davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

In XXXX of each year, I receive an escrow review statement from Wells Fargo Home Mortgage. These statements advise me of any escrow account shortage. My XX/XX/XXXX ( Exhibit 3 ) escrow review statement showed a shortage of only {$270.00}. The following year 's statement dated XX/XX/XXXX ( Exh. 2 )  showed an escrow shortage of {$550.00}. However, my most recent statement ( Exhibit 1 ), dated XX/XX/XXXX, inexplicably shows a shortage of a whopping {$2900.00}. 
A review of the escrow statements reveal that these shortages are based on " projections '' ( page 2 of exh. 1 ). However, as page 3 of Exh. 1 shows, the projection formula is based on " what [ XXXX XXXX ] expects to pay out. '' I have no idea how these year-to-year projection expectation amounts are determined, though I suspect that the increase is linked to a claim I made in XXXX. A neighbor whose rear yard abuts mine was working on his car in his rear yard and apparently did not have the vehicle properly braced. It consequently crashed through his rear fence, descended down the hill, crashed into the rear of my property, causing severe damage to the exterior and interior of my home. I have been using XXXX XXXX through Wells Fargo as my escrow manager for over fifteen years without ever having to make a claim. I can only surmise that the huge increase in my escrow " projection '' of what is expected to be paid out is somehow correlated to my damage claim which was not my fault. 
I am asking for an explanation from Wells Fargo and/or XXXX XXXX as to how this exorbitant increase in escrow projection was determined. As I have observed, it appears to be correlated to my claim which goes against the basic tenet of insurance, which is to spread risk among the company 's insured so that no one is hit with a menacing escrow shortage in the event of a needed claim. 
Exhibit 1, page 3, shows that {$950.00} was paid to XXXX XXXX County Revenue Department for my annual XXXX property tax bill, so it is impossible to reconcile why my escrow account must be as high as {$2900.00} from {$550.00} the previous year. 
Additionally, I am asking for an explanation over the " ESC REFUND '' indicated at the XX/XX/XXXX line of Exhibit 1 page 3, as I do not recall receiving a refund, nor was I told that any refund was applied to the principal of my mortgage. 
Hopefully, CFPB can assist me in resolving this matter so that the escrow shortage can be reduced to a reasonable amount that I can afford.
Consumer complaint received 2022-09-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates (GA)

I received a notification, Friday XX/XX/2022 from XXXX that a new collections account was added to my profile. The collections account is from a debt buying company I've never heard of, nor have I done any business with. The company is called : Company Name : Stafford Group & Associates Phone number : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX and Fax # XXXX Website : staffordga.com Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX I called the company immediately, after speaking with an XXXX representative ; there was no answer. On Monday, XX/XX/2022, I received a message from someone at Stafford Group & Associates by the name XXXX XXXX I returned the phone call, and things went downhill. The rep from Stafford Grp & Assoc was very rude, mean, and condescending. I asked to speak to someone above him and he would not transfer me to anyone. I then told him that what they were doing is complete fraud, and his response was " prove it ''.
Consumer complaint received 2019-03-26
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: BARCLAYS BANK DELAWARE (TX)

Barclays US closed my account in XX/XX/2018 when it had a balance of {$2700.00}, I was paying it off as fast as I could because I already knew it was way over the limit. It was hard trying to pay this off when I was college student because my dad promised me that this would be off my paid off but then I got stuck paying for this out of pocket myself when I was in college. So I was always communicating with Barclays about the payments especially when I ran out of money when I paying bills. But I have XXXX delinquent payments on my account credit report, I did not know I had two 30-day late payments and one 60-day late payment until it already posted on my account. They did not once email or call me to inform me about these late payments until it was already reflected on my credit report. I was also not contacted about my my account closing until I logged in one day on their website, I always used their app to pay my bill, and they closed my account without my knowledge!!
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

On XX/XX/21 I XXXX XXXX spoke on the to XXXX Ticket # XXXX at approximately XXXX XXXX, who is a representative of the company LexisNexis.They have gotten my personal information ( BANKRUPTCY ) and furnished it to the credit bureaus like XXXX, XXXX, and XXXX  I stated law 15 USC 1681b " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report report under the following circumstances and no other : in accordance with with written instructions of the consumer to whom it relates. 

Pursuant to 15 USC 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. I am a protected consumer and I have the right to PRIVACY!!!!!! I did not give LexisNexis any written consent to have my personal information or to send them my personal information. 

After stating law to XXXX he kept telling me that a Bankruptcy is public information and it stays on your report for 10 years. I told XXXX that NO CONSENT IS IDENTITY THEFT AND FRAUD. Are you saying you are consenting to committing identity theft and fraud? XXXX was quiet and said that he needed to place me on a hold. After placing me on several holds and me going back and forth I stated 15 USC 1681n. I told him Lexis Nexis would be in violation of Civil Liability for Willful noncompliance. I said if you can not help me I would like to speak to a Supervisor. He placed me on hold again and came back to tell me there were no available Supervisors and that they would call me within 24-48 business hours. After that I called on the XX/XX/21 and I spoke to XXXX at approximately XXXX : XXXX XXXX. I got the same result. Then I called again on XX/XX/21 at approximately XXXX XXXX  and I spoke to XXXX. I got the same result except they said a Supervisor called me on XX/XX/21 and they left a voicemail. I asked well what time did they leave the voicemail they said they did not have that information. After hanging up I checked my call list and I did not see any calls from Lexis Nexis. Also I checked my voicemail and I did not receive any voicemail 's from LexisNexis. I believe Lexis Nexis is refusing to remove the BANKRUPTCY after knowing they are in violation. I have even talked to the BANKRUPTCY COURT and they told me they do not provide Credit Bureaus with this type of information. I have asked all three agents of this Corporation to provide me with a letter or a date when I gave them permission to to have my information Pursuant to 15 USC 1681b. I demand they delete the entire report and I have sent in a request to OPT-OUT of the Lexis NEXIS reporting pursuant to 15 USC 6802 ( b ). I XXXX XXXX, speak as the natural person and I demand deletion of this fraudulent information.
Consumer complaint received 2021-06-04
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 — Problem with personal statement of dispute
Company: Marlette Funding, LLC (NY)

XXXX  recently removed a bankrupty dismissed remark from my account associated with Best Egg. XXXX  and best egg blame each other for reporting the remark and I have filed several disputes to both parties neither stated why these remarks were ever reported on my credit or where they came from. Unfortunately my points on my credit score did not change after bankruptcy dismissed was removed. When the bankruptcy dimissed remark was reported to my account XXXX of 2019 my credit score dropped 87 points. I additionally lost 4 points each month each time I made a payment to the best egg account. My score still remains the same as if I had the bankruptcy remark still on my account. XXXX  only removed the remark over the phone and not during any of my disputes that I have filed. They did not state the reasons it was removed which would confirm that the remark was never associated with me and never had a house to receive a bankruptcy. Yet my credit score recieved deductions for a remark not associated with the user. A letter was sent with pictures to XXXX  showing how the bankruptcy remark dropped my credit score. A special handling supervisor XXXX XXXX stated on the phone that even after seeing the points deducted that was never returned that they could not change the points. If a remark was associated with my account that didn't belong to me than it dosent make sense for my points to reflect deductions not related to my own actions or credit use. Bankruptcy dismissed remarks effect credit scores so not sure why after removing the remark my score remained the same. I have documentation of the effects each month. After mailing the letter of evidence XXXX  did not acknowledge it until I called several times simply to get any response. Each person on the phone gave different response to the issue at hand.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX - late open 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 XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I had a Synchrony Bank Amazon Store Card, on XX/XX/XXXX, the card was closed by Synchrony for no reason and no contact before the decision. I used the card frequently, and never missed asingle payment. When I called to Synchrony, the rep said the decision was made after they checked my credit report, and found I was kind of a risky customer, but at that time, I had {$4200.00} credit ( negative balance ) on my account. And I didn't get Synchrony permission to check my credit report after the card opening. I am 100 % good card user. Synchrony says they can " Per the terms of your account agreements, we may close your accounts at any time. '' But no reason was provided! No customer rights were respected and protected
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (OH)

I received an email at my place of employment. The email was sent to my work email account. The email was contained information regarding a welcome packet for an account I did not open or apply for. I reached out to the company via phone and was unable to reach anyone for my first several attempts. I was able to finally get someone in customer service to tell them I did not open the account and to inform them that I wanted the account closed immediately. The person I spoke with informed me that he would have to transfer me to the fraud department. I requested to have a number to call or contact should we get disconnected, and was told I would just need to call the same number back and that he would transfer me directly to the fraud department. 

I was put on hold for ten minutes. When someone named XXXX answered the call, he asked me for identifying information. He told me that the matter would be referred to the fraud department. I asked if I could speak to someone in the fraud department and was told that they don't have a direct line that he could transfer me to. I also was told that they will investigate the matter and get back to me, but he was unable to tell me how long the process would take or when I would receive a response regarding the account. I requested several times to have the account closed immediately, and he said the fraud department handles it. He kept trying to get me to get off the phone without addressing my concerns. 

When I asked for his name he provided his first name only. He would not assure me the account would be immediately closed. I expressed concerned, in light of this fraudulent account, it could ruin my credit. He informed me that I wouldn't be responsible for any charges or debt that resulted from the account once Chime Bank had finished the investigation. However, he would not place a block on the account and could not give me a timeframe of when the investigation would be completed. I was told someone would reach out to me via email. 

I have attached emails and the only information I have received regarding the account. He would not tell me what type of accounts had been opened, whether there were any charges were on the account, and why the account was not immediately block. His only response was that someone would reach out to me when the investigation was completed.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NC)

I applied for a mortgage with Ally Financial in 2020. I did not move forward with any of their mortgage products. However, for some reason, the mortgage company created an account in my name. This year, I signed for an auto loan with Ally Financial. I was informed after I initiated the loan that, because of a system defect, I would not be able to pay my bill due to that old mortgage account that they initially opened in my name. As a result, I am forced to pay my bill through their third party vendor every month, which is very inconvenient. Additionally, because I have to pay over the phone, I am forced to pay an additional {$4.00} a month. When speaking to their customer service representatives, they state that they will credit me the {$4.00}. However, this has not been done at all. I am filing this complaint to prompt Ally to grant me access to my own online account to manage my bills. I am also requesting reimbursement for the {$4.00} that I have had to pay for every transaction. As a result of my first CFPB complaint, Ally privately confirmed that the mortgage account was deleted. However, I still have no option to create an online account to pay my car note. I feel that I was tricked into this agreement with Ally financial because they did not disclose how inconvenient their payment process would be. There are numerous other banks that have the technology to allow customers like me to pay online.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I learned yesterday that I have had no insurance coverage on my condominium. I contacted my mortgage company and was told my insurance was not included in my escrow. I went home and retrieved my loan documents to confirm they were to be included. When I again contacted the mortgage company they basically said " yes, we screwed up but you should have caught it. '' I was never contacted by the lender, the insurance company or my insurance agent. My agent said he had never been notified by the carrier that the policy was being canceled, in fact when he looked on their website is showed the policy was active but when he called he was told it was canceled in 2019 for non payment. Now no carrier wants to cover me because of the lapse in coverage. My agent said he could perhaps get XXXX XXXX to cover me but it would be extremely expensive. Please help.
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (CT)

After multiple attempts and calling XXXX, I was told by a representative that the company is NOT going to obey the Laws under the FCRA. My information was exposed in the 2017 data breach. The company has refused to block fraudulent information on my credit report which has hindered my ability to obtain credit. They are in direct violation of 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ].
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (TX)

I purchased 2 flights through XXXX using PayPal. I Cancelled all of the flights after Paypal chose to close my account ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX. However- there is no money back on my card or in my paypal account. Paypal Transaction IDs : XXXX and XXXX. {$13000.00} Paid and no refund. 

I performed a XXXX  complaint and CFPB complaint against Paypal and their response was " On XX/XX/2021, the Merchant attempted to send two payments to your Account for a total amount of {$13000.00} ( Payments ) ; however, these attempts were denied due to the limitation on your Account. As a result, PayPal retuned the Payments to the Merchant and we are declining your request for reimbursement. We recommend that you contact the Merchant directly for further information regarding the location of your funds. '' This is incorrect. After this response, which tells me to contact the merchant, I spoke with XXXX 's executive team via a XXXX and DOT complaint. The refund was not only sent to Paypal, but it was sent with a confirmed refund number and Paypal is either deliberately lying to the CFPB or isn't actually researching the information. 
Transaction XXXX is XXXX REFUND CONFIRMATION NUMBER XXXX in the amount of {$6700.00} refunded through PayPal XXXX XXXX. 
Transaction XXXX is XXXX REFUND CONFIRMATION NUMBER XXXX in the amount of {$6600.00} refunded through PayPal XXXX XXXX.
Consumer complaint received 2021-06-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

A few months ago I Filed a dispute with Equifax and XXXX  pertaining to invalid and inaccurate personal information being furnished onto my consumer report. This information was not authorized by myself being the consumer and the only individual able to confirm the information. All bureaus responded that the information was verified with ( Creditors ) the furnishers of MY personal information. Title 15 U.S Code 1681 a ( e ) states that to verify information there must be an investigation of my consumer report. This requires an interview of neighbors, friends, or associates of the consumer. It does not state the information can be verified with the furnisher of the information.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (GA)

I took at look at my credit report and someone ran my credit trying to get a home in my name. I never authorized this and had no purpose to get my credit for a home. I tried calling customer service department and disputing these inquiries and I wasnt able to get helped.
Consumer complaint received 2022-12-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ATG Credit, LLC (VA)

When they call, they refuse to state who they are or where they are calling from. Every time they call, its a different collections agency, XXXX? I can't keep up. Ifirst spoke with them on XX/XX/XXXX. At that time I advised them that this is not my debt, I have no eob to go with it, and XXXX went bankrupt anyway. I informed them that this needs to be validated. They stated they would do so and let me know. By XX/XX/XXXX I still had not heard anything from them so I went ahead and disputed the debt without validation. XX/XX/XXXX was the first time I had heard from them in any form. At that time I advised her of the above, before I could ask that they cease contacting me, the employee ended the conversation. On XX/XX/XXXX they called again and the same conversation ensued. Despite repeated requests they refuse to validate and dispute but continue to harass me. Then today XX/XX/XXXX they called me at XXXX claiming that this kind of behavior is perfectly legal. I blocked them.