davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (IL)

My daughter refinanced her XXXX XXXX Student Loan with Earnest with a loan approval date of XX/XX/2020. Earnest was supposed to payoff XXXX XXXX by XX/XX/2020. 

On XXXX XXXX she received notice from XXXX  XXXX  that she was in arrears on the loan. She inquired with Earnest via phone found that Earnest had a batch of checks that did not clear the bank and had to be resubmitted. Ernest had not contacted her about this delay. Previously they had told her that her XXXX XXXX  loans had been paid. Her accounts with Earnest reflected that everything had been paid and disbursed to XXXX  XXXX.

On XX/XX/XXXX she received notice from XXXX XXXX that Earnest still had not received a payoff from Earnest and that I was 60 days in arears on the loan. To this day, Ernest has not contacted XXXX XXXX to take responsibility for the error. This is now affecting both her and my credit score ( as her co-signer ). 

Although Earnest paid XXXX XXXX as of XX/XX/2020, my credit score has not changed. I am respectfully requesting that you investigate Earnest and 1 ) request they contact XXXX XXXX Education Financial Services and take responsibility for the lateness of the payment and payoff, and 2 ) instruct earnest to request XXXX XXXX request a rapid rescoring of XXXX and my credit with each of the three credit bureaus. 

Please note that this new dispute relates to closed CPFB Cases XXXX and XXXX. 

XXXX XXXX Student Loan # XXXX XXXX XXXX Case Numbers XXXX and XXXX Earnest Request Number # XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (CA)

Ive been trying to look into my credit score but for some reason it keeps saying my credit score isnt found with the credit bureau. Is there a reason why my score cant be seen on any website?
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (WI)

The hassle is all across the selections. Ive been on the phone with paypal today alone for 5 calls and theyve been giggling on the phone so i suspect employee tampering... 
I REPEATEDLY have added my new number only for it to vanish or be reoeatedly prompted by the site/app to add it. When i do, it takes, UNTIL needed for verification then suddenly its gone and it refuses the number when prompted for re-entering it manually. I get emails that my account was successfully unlocked, only to try logging in and gettig the above scenario, or some other endless round of security which i pass, but am still locked out. 
Same when i call. For WEEKS. 
I pass the security checks, AND AM TOLD ITS UNLOCKED only to Still be locked out. 
This evening, I finally gained access, only to find that my balance seems locked. It wont even let me use my balance for PRODUCTS AND SERVICES IN THEIR APP!! I CANT TRANSFER MONEY VIA **ANY** OF THEIR *MANY* TRANSFER OPTIONS AND CALLING CUSTOMER SERVICE IS JUST MORE PASSED SECURITY CHECKS, AND BEING TOLD ITS FIXED WHEN ITS NOT. 
The cs agents REFUSE to connect me to a supervisor and i wasnt even able to close the account. 
This clown TellS me " please hold while i write your check ''. 
As if the cs agents are actually in there writing out checks for remaining balances... 
Needless to say it didnt take long to realize he wasnt returning. Or was going to Drag it out till i got annoyed and gave up. 
I want my balance usable so i can empty it and let the account die. Im out of weeks/days/hours to sit on the phone getting the runaround from their staff who laugh it up and seem to continue to trigger new lockouts and fund freezes, unauthorized phone number changes and removals, etc. I DO NOT buy that ALL OF THIS NONSENSE IS SOME ENDLESS " GLITCH ''. PLEASE HELP!!
Consumer complaint received 2023-02-21
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. (NM)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three  credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (NJ)

I refinanced my home in XXXX. The mortgage was immediately sold in XXXX to paramount residential mortgage group based out of california. I made my first two payments through them. They then changed to a paramount mortgage group based out of somewhere else ; complete with a new mortgage number. I mailed my third payment to them ( i am paid till XX/XX/XXXX ). My account is an escrow account. I received notice from my insurance company that my insurance was not paid. I called them and they said not to worry with the issues with postage it may just be delayed. On XX/XX/XXXX i received a letter from the mortgage company threatening to force insurance on me at a high rate because i have not provided them with proof of insurance. The letter also claims that i am not set up to pay insurance through escrow which is not true as the escrow amount was set up on the closing of my refinance with my proof of insurance and rates factored in. This is insane. I have been a homeowner for over 8 years and have never had this type of issue. Its poor business. Why would the mortgage not transfer with all the correct information? What options do i have?
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (GA)

Kabbage ( XXXXXXXX XXXX XXXX, American Express ) will not close my checking account despite several requests. I must do so over the phone and they will not give me a confirmation number. 

I called on XX/XX/2022. 
Again on XXXX XXXX XXXX after receiving a XXXX  Statement. 
Again on XX/XX/2022 after receiving yet another XXXX  Statement. 

I understand from other customers ' experience that sending a registered letter has no effect. 

They have now locked my account. It has funding of {$0.00}. They would not transfer by XXXX to a linked account. They said they would send me a check, all three times I called. 

While only {$0.00} for me, I understand I am far from the only one being unable to close an account. 

I was also made aware of a fraudulent transaction on my XXXX XXXX XXXX on XX/XX/2022. I was made aware of this by email by XXXX. This would be on a debit card I never received or activated, and my online account reflected the lack of an active debit card. This raises so many questions and red flags.
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

XXXX XXXX sent a closed account to my credit report knocking my credit score down in XXXX and sent to Sequium fraudulent collection agency. Although, I have a letter from the XXXX company showing it was closed since XX/XX/2020 and no balance owed.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Here is the letter I wrote to Bank of America that explains the issue. Today, XX/XX/XXXX, I was again denied any relief from the nine overdraft fees due to family hardship : XX/XX/XXXX Dear Bank of America, I just got off the phone with Customer Service Supervisor XXXX, id number XXXX. He refused to refund any of the nine overdraft fees ( {$310.00} ) we incurred during a recent family crisis. The fees were charged on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found him particularly unsympathetic and unempathetic. I was in Minnesota with a mental health crisis involving my daughter and was completely distracted regarding personal finances. I was surprised that not even one of these nine fees could be refunded, particularly as in recent years I have found BoA to be willing to help us out and assist with fees. He referenced the numerous recent fees that the account has incurred and recent fee refunds BofA has provided. With the overdraft protection that we have, my research comes up with the followingfee refunds in the past two years : ( Image here of a total of {$250.00} in fee refunds XX/XX/XXXX-XX/XX/XXXX. ) A total of {$250.00} in two years hardly seems excessive. I would ask that this situation be reconsidered and that some if all of the fees are refunded to provide us a small bit of financial relief in these difficult times. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX ( XXXX ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXX of 2022 for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them several times and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. 

However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. Transunion and XXXX have not. 
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. 

Thank you
Consumer complaint received 2023-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a lifelong Texas resident. Bank of America holds my checking, savings, credit card, and home loan accounts for the last 13 years. On XX/XX/23, someone was able to walk into a bank in California and withdraw {$2700.00} from my checking account. I spent 6 hrs trying to resolve with BOA, frozethe account, opened a new one and they credited me the money back so i could pay my mortgage, only to learn that my savings accounts also had been emptied. in addition to the checking account withdrawal, a person walked into another bank ( s ) in person, also in California, and withdrew {$7200.00} in cash from my savings account. I filed a claim, and BOA is conducting an investigation saying it could take 60-90 days to complete. No guarantee timeline, no guarantee of returned funds that they GAVE AWAY to someone in a state i have never lived in.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX my mortgage with XXXX XXXX was sold to Mr. Cooper. When Mr. Cooper took over the servicing of my loan, they said that I owed an escrow amount of {$1200.00} which I never had with XXXX XXXX. For over a year we have dealt with several individuals and many departments to try and get this escrow amount removed and our account restored with no escrow amount owed or on our account. Over the past year I have made my full mortgage payment on time, yet someone in Mr. Cooper reinstates this fictional escrow account and I have to call up and get it reapplied. This cycle has been going on for over a year and I have called every month to get the escrow removed. Now for XX/XX/XXXX, they are saying that I am late with my mortgage payment because they have applied a portion of my XXXX and XX/XX/XXXX payments against this fictional escrow. We continually get bounced around from department to department and different individuals apologize for Mr. Cooper 's boorish behavior and promise to fix it. This problem never gets fixed and this has become so stressful for me that I am compelled to lodge this complaint.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I made an electronic payment to LoanCare LLP on XX/XX/2020 in the amount of {$2200.00}. The mortgage company states that they did not recieve the payment. I contacted XXXX XXXX bank and they confirmed that the payment was made with transaction # XXXX. I have spoken to LoanCare at least a half dozen times and have been treated with disdain, and told I have not furnished them enough information. I have paid my mortgage electronically `through XXXX and XXXX XXXX for years without a problem. I made a claim with XXXX XXXX which was denied because they confirmed the money was received by LoanCare. Please Advise.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I requested the following information and it was not provided by the debt collector State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Consumer complaint received 2022-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

I applied for a COVID-19 Mortgage Forbearance Plan with New American Funding at the end of XX/XX/XXXX. I received a letter that my plan was approved and would run through XX/XX/XXXX. I have been constantly calling in to the Home Retention department to check in, ask questions and make sure everything is okay. Each time I call, a representative explains that as long as you call in, they won't send out a Home Inspector to make sure someone still lives in the home. Also, during this time, you will not incur late charges or have negative information reported to the credit bureau. 

New American Funding is now harassing me and engaging in unfair collection practices despite approving me for a Forbearance Plan. I have been harassed with a barrage of email and XXXX XXXX  to remind me I am behind with payments. A home inspector was sent to my home on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the individual was lurking around the house and observing our comings and goings. On XX/XX/XXXX, the individual came back to visit. She rang the door bell, kept jiggling the door handle, then left a packet of information from New American Funding. 

Another issue is that New American Funding provided an official letter stating my plan expires XX/XX/XXXX and then sent an email indicating my plan expires XX/XX/XXXX, which is quite confusing. 

I have filed an official complaint via telephone on XX/XX/XXXX and via email on XX/XX/XXXX. There are several attachments to this CFPB complaint.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Total of 3 XX/XX/XXXXXXXX accounts were opened as following that do not belong to me 1 ) {$4600.00}. XX/XX/XXXX submitted dispute 2 ) {$440.00} XX/XX/XXXX submitted dispute 3 ) {$4300.00}. XX/XX/XXXX submitted dispute Please help me resolve this issues that I am having periodically. Someone other than me is being reported to my credit report. The third item still has not been resolved yet. 

Even though I have disputed 3 times with Experian, the issues are not being resolved. 
Someone with similar names and birth dates keep appearing on my credit report. Please let me know whatelse I need to do to resolve this issue. 

Please let me know what is going on please? I want to be able to end this as soon as possible
Consumer complaint received 2022-12-15
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: Specialized Loan Servicing Holdings LLC (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have always made my payments on time. For some reason. I have a loan with SPECIALIZED LOAN SERVICING.I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. 
, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPEC LOAN SV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (IL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I paid {$1.00} on XX/XX/2020 to get a fico score and later learned I had been charged an additional {$65.00} over the next 69 days. 

This company deceptively enrolled me in a " free trial '' with a recurring billing and spammed my email account with daily emails. None of these emails provided a statement of charges or any other indication I was being billed repetitively. I only learned about the situation from my credit card statement much later. 

It's also notable that the Experian website does not have a section for customers to see historic billing which is only visible to the Experian phone reps who are difficult to get on the phone. I tried to cancel before and could not get through to anyone.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

Equifax not to be rude but I thought in my previous communication with you I made it very clear that Ive suffered from XXXX XXXX XXXX and should not be under any such stress I don't know any other way of convincing you of this except to show you the letter of warning I received from my doc which will be included in this communication. 
Once again it was brought to my attention that there appears to be a listing on my report that is unidentifiable from someone called XXXX XXXX XXXX, XXXX as a matter of fact, when I examined it I noticed under " type ' there is no info and under 'original creditor ' no info. This is unacceptable, I know you've been busy and im just trying to survive.