davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (TX)

I called the Banco Popular at ( XXXX ) XXXX prior to XX/XX/XXXX to close my XXXX XXXX Visa credit card account ending in XXXX. The account had no balance, no outstanding obligations, and the request was verbally confirmed by an agent over the phone stating I would receive a letter by US mail. On XX/XX/XXXX I viewed my credit report and found the bank had not closed the account as requested and had since been charged an annual fee of {$140.00} in XX/XX/XXXX. I called the same number on XX/XX/XXXX and agent named " XXXX '' refused to close the account and credit the fee that would not have posted had the original close request been executed as requested.
Consumer complaint received 2020-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX : Phoned in and requested a MIP/PMI refund based on PL XXXX, XX/XX/XXXX, 112 Statute 897, also known as the Homeowners Protection Act from Wells Fargo. Statute indicates not later than 45 days after the termination or cancellation of PMI/MIP requirements, all unearned PMI/MIP premiums shall be returned to the mortgagor by the Servicer. 
XX/XX/XXXX : Submitted an email requesting MIP/PMI refund based on PL 105-216, XX/XX/XXXX. XX/XX/XXXX : Received letter indicating that one specific property did not meet PMI/MIP requirements XX/XX/XXXX : Submitted another email requesting MIP/PMI refund based on PL 105-216, XX/XX/XXXX for the other property. Wells Fargo responded via email on XX/XX/XXXX that request would be reviewed. XX/XX/XXXX : Representative called and told me that I did not make PMI payments under a specific account number thus I did not qualify for reimbursement. XX/XX/XXXX : Submitted another request for that property using the original loan number before I refinanced. XX/XX/XXXX received email indicating Wells Fargo will review request.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NY)

Hi, In XXXX we had issues related to XXXX and my son was born ( for which I needed to take paternity leave ). 

In XXXX I needed to take XXXX. Due to this, I also needed to change jobs, from which I was laid off -- due to no fault of my own -- in the beginning of XXXX. 

I am not yet eligible for unemployment and have not found a new job yet and have {$0.00} coming in. 

I have called my credit card companies to ask for a hardship forbearance. 

I called AmEx and have been given the run around, given additional numbers, first I called the number on the back of my card, and spoke to XXXX. She sent me to the " FRP Team '' without explaining what that was, and XXXX then told to call XXXX. 

XXXX picked up the phone, who then transferred me to XXXX XXXX. 

Finally, XXXX told me AmEx would not be willing to do anything unless I would be willing to pay, and that after XX/XX/XXXX I would be sued. He asked for information I believe he had no business to, that was in no ways related to a forbearance so that I could regain my status as a cardmember in good standing after the forbearance was over. 

Yesterday, XX/XX/XXXX, AmEx sent someone over to my residence, who banged on doors and windows, looked through the windows, and scared my wife to the point where she told him she was calling 911. The unknown man left behind a packet of papers indicating I'm being sued, and a number of items in the packet are incorrect. 

Then, today, XX/XX/XXXX, at XXXX someone named " XXXX XXXX '' from American Express informed me that he wanted to " keep my account in good standing '' and that they " valued my business. '' When I mentioned that if AmEx wanted to do that they should drop their law suit, he said he couldn't do that. He asked for a number of pieces of information that was none of their business, like where I bank, and where I work. I told him I had an attorney and that as this was a suit the contact should be through the attorneys but he kept talking anyways. 

It is my opinion AmEx is trying to intimidate me. A process server does have the right to serve me personally, as per the relevant civil codes in NY State, but does not have the right to be a peeping tom and look into my windows and at my wife. 

AmEx clearly lied in that they said they were going to sue me after XX/XX/XXXX, but they tried to serve me XX/XX/XXXX and the papers clearly stated they had actually filed suit in XXXX. 

After initiating legal action ( which has its own set of rules about how they may now contact me through my attorney ) they called me up and asked me to pay off the debt with an implied " or else. '' AmEx certainly doesn't have to be nice, but they do have to follow the rules. This is a clear case of intimidation and I would like to see them drop their suit and work with me like a civilized company.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NC)

My complaint is mostly about the 2months without a payment in between the closing and the first mortgage payment due. I was told that I wouldn't have a payment until after 2 months from closing on my loan. My first closing date was supposed to be XX/XX/2021. But that didn't happen and when I called Mr. XXXX ( Loan Depot ) told me he didn't know why it changed but for me to keep paying my former mortgage company so I wouldn't affect my credit on a late payment. So in XX/XX/2021 I made my mortgage payment of {$1300.00} to XXXX XXXX. Then two days after I made that payment, Loan Depot gave me a closing. Then Loan Depot sent me a mortgage note to pay my first mortgage to them on XX/XX/2021. I called them to ask if this was a mistake since I made a mortgage payment for XX/XX/2021 that should make my first payment in XX/XX/2021 to give me the two months without a payment. Mr. XXXX XXXX told me that the XXXX note was correct and that I had to pay them in XX/XX/2021. So I asked them for my XX/XX/2021 since they should have paid that to XXXX XXXX in my closing. He informed me that they don't owe me and I would not be getting that from them. Also, my " cash back at closing '' changed several times as I was sent closing disclosures saying I would receive {$11000.00}, then {$11000.00} and I actually received {$11000.00}. When I called about that they said that they made a mistake in the calculations. I due believe that it is Loan Depot that owes me my XX/XX/2021 mortgage since I didn't have my 2 months gap before my first mortgage payment was due. And that every money " mistake '' was in their favor.
Consumer complaint received 2024-10-10
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. (NM)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was taken out of work on XXXX XXXX and requested financial assistance from Select Portfolio Servicing. I was approved for Principle and Interest Payments for up to 12 mos. I then set up automatic payments with XXXX XXXX to be taken out of my account each month. Apparently, there was some fraudulent activity that occurred and the bank froze my account. Once this was corrected payment from the bank went out. Unfortunately, it was not accepted and I was kicked out of the program. I offered to get a letter from the Branch Manager who would clarify the error made was on their behalf but it was declined by SPS. Due to my decrease in income I was unable to make the full payment until I was released back to work in XX/XX/XXXX. It was then that I was able to start making full payments again. I went to make my in XX/XX/XXXX and was told by the rep at SPS that they stopped taking all payments from me and demanded that I pay all the arrears ( {$30000.00} + ) in order to reinstate my mortgage. I have applied for assistance several times, especially because I am now furloughed from my job due to Covid 19 yet still have been continuously denied. I had no choice but to file Chapter XXXX in XX/XX/XXXX just to stop the foreclosure on my home. They are raising my interest rate on XX/XX/XXXX and the new payment is considerably higher and unaffordable due to being furloughed and not having my normal income. SPS is working with other homeowners in regards to payment assistance but refuse to help me for what I believe is due to the fact that I have equity in my home and they would make a substantial amount of money if they were able to obtain through foreclosure. Whats really upsetting about all this is I was a XXXX XXXX XXXX XXXX  back in XXXX when the market crashed and lost my job due to all the predatory lenders that were extending loans to unqualified people and the banks were given high bail outs. Now here I am needing financial assistance during a Nationwide Pandemic and I cant get it.
Consumer complaint received 2022-09-21
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. (MO)

I am submitting this CFPB Complaint to follow up the most recent complaint I previously submitted dated XX/XX/XXXX2022, requesting the immediate removal of the disputed fraudulent accounts and information that the Credit Bureaus report on my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus continued reporting the disputed items and have claimed that the disputed items are verified without sending me copies of proof of verification. Under the provisions of the Fair Credit reporting act section 605b, I am requesting once again that the Credit Bureaus remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX Time XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX XXXX XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$0.00} XXXXF XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2020
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Fig Tech Inc. (TX)

Fig Loans opened a loan without my authorization. This loan was opened from an Identity Thieve, and Fig Loans was already made aware of it. Fig Loan 's ( Fig Loans Texas ) Is stating to XXXX and XXXX that I owe them {$1500.00} Which is incorrect, This loan is fraudulent. I do not owe them {$1500.00} I have never owed them any loans for XXXX This is a lie and being reported inaccurately to the credit bureaus. I have attached an identity theft affidavit below. I do not owe Fig loans any money, and I did not apply for any loans with your company.
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

The XXXX XXXX made unfair charges without evidence for almost two years. 
They could not provide any proof for any damage. They sent two page inspection report after two years with any inspector company name or signature. 

The car was under lease in best condition.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

Comenity Bank aka Bread Financial handles our XXXX XXXX It is my practice to always review my account online before paying my monthly bill in full. I do this to ensure that there are no fraudulent or spurious charges on my bill. Comenity Bank website has been down since approximately XX/XX/XXXX, i.e, OVER ONE MONTH. Comenity Bank, I have come to learn, handles over 100 consumer credit cards, and all of these consumers are experiencing this same issue or worse. You can review Comenity Bank 's XXXX account for a flavor of the range and volume of complaints. Comenity is sharing very little other than short, canned responses that a system upgrade has taken longer than anticipated. I had worked in XXXX  for some 30 years ; an outage that lasts more than one month ( and counting ) is absolutely egregious. Please look into this, not just for my sake but for the many consumers impacted.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: LEXISNEXIS (MN)

i found out about the unathorized use of non personal information concerning XXXX  without my knowledge i sent actual written verifiable proof that the court did not furnish or know anything about this. 
i contacted lexis/nexis and gave them verifiable proof of this and they are violation consumer laws without giving me a fair and equitable response.i am the living natual consumer and i did not authorize the social security administration verbal or written to share any of my non personal information this is an invasion of my privacy and a violation of federal law.
Consumer complaint received 2020-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

Loan is funded on XX/XX/20. 
As of today XX/XX/20, the lender to be paid off is not showing paid off and the new lender did not send a closing statement nor showing any escrow balance on their servicing site. 
Send multiple emails requesting a final closing statement and did not receive one.
Consumer complaint received 2020-10-10
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: CITIBANK, N.A. (CA)

My wife and I have tried to receive a refund from XXXX  XXXX for a canceled flight on XX/XX/XXXX. We have sent emails and called the airline multiple times and have not received a refund after 4 months. We contacted the credit card company to intervene for services not rendered and to remove all interest charges and to credit the account card relating to the canceled flight. The flight was purchased on XX/XX/XXXX for the amount of {$1700.00}. This is the response from the Credit card company on XX/XX/XXXX was " The merchant is willing to work with you to resolve your claim, and that we were responsible for the disputed amount and that there investigation was completed and disputed amount will be included in the balance Subject to interest charged. They also said that our account was in good standing but wanted us to know that if we do not pay our credit card bill they would report us to consumer reporting agencies? We have always paid our credit card! We again contacted XXXX  XXXX  verbal and written and given excuses why after 4 months we have not received credit on our card. We contacted and wrote again to the credit card company on XXXX XXXX and told them we are still in dispute with the airline and have not received a credit on our credit card for the {$1700.00}. I have sent another letter to XXXX  airline and Shop your way credit card company XXXX XXXX.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (IN)

I have money in Gemini XXXX for trading crypto currency ( XXXX ). While they went through a verification process to receive my money and have already done so, for some reason there is an additional verification process to withdraw my money. 

I checked XXXX and found that this is a common problem with users of Gemini : https : XXXX This is fraudulent activity. How can my identity already be verified to deposit my money and still require to be verified to withdraw my money? It is false and fraudulent behavior and likely conducted to control funds and for no other reason. 

I initially deposited funds on XX/XX/XXXX and XX/XX/XXXX. Today is XX/XX/XXXX and I have requested a withdrawal of these funds, but have been prompted to verify identity a second time instead. This prevents the actual withdrawing of my funds and I have read that the process can take weeks or months. No one should be allowed to keep my money from me without my permission for any period of time, especially not under false pretenses such as these. 

The platform additionally charges a variable amount for crypto currency, which can cause new users to falsely suspect that a trade that was once free might always be free of charge to conduct ( i.e. free to buy but not free to sell ). The whole scheme is unreliable and needs to be investigated.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX, XXXX, I ; XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.