davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Back in XXXX of 2015 I wrote my daughter a {$50.00} check to give to her friend XXXX to pay for parking permit at college. Her friend XXXX lost the check and an unauthorized recipient found the lost check and changed the amount from {$50.00} to {$3500.00} and changed the name on the check from XXXX XXXX to Essence XXXX XXXX. This person deposited the money through mobile banking app for Bank XXXX XXXX. I bank with Regions and they have acknowledge that it was check fraud but they refuse to give me my money back while Bank XXXX XXXX investigates. This have been going on for over a month, my dispute with Regions Bank and today they told me it would take 90 more days until the investigation ends. Every time I go up to Regions they are always making excuses and telling me its going to take a bit longer. First they told me I would get my money back within 3-7 business days, then told me 14 days, now they are saying 90 days. I should have received my money within the first week when I filed check fraud with Regions Bank.
Consumer complaint received 2024-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (CA)

From : To : Consumer Financial Protection Bureau XXXX XXXX XXXX Notwithstanding the documents ( XXXX  ) and in defiance to the order of the C.F.P.B. ( C.F.P.B.ADMINISTRATIVE PROCEEDING File No. 2024-CFPB-0007 and 2024-CFPB-0007 Document 2 Filed XX/XX/year> ). Fay servicing continues to overcharge me. 
While I believe I have been patient with them, I do not like to be ignored and then subjected to retaliatory action for pressing the issue. Fay servicing has not corrected the overcharge and now intends to charge me even more.They are charging me for wind insurance that they have purported to have purchased, even though I have documented to them that I have wind insurance. And they confirm this. They now intend to continue to charge me for wind insurance, and now hazard insurance, plus State property taxes, that I have already paid for, and notified them of. 

Fay servicing ignores both the filings through their webclient ( XXXX XXXX XXXXXXXX and CERTIFIED mail ( see enclosed ). 

They now propose to overcharge me in excess of XXXX $ a month. 
Almost XXXX yrs ago I notifed Fay that I had wind insurance, ( as well as the current " Hazard insurance '' ) with documentation ( XXXX  ), through their webclient ( XXXX XXXX XXXXXXXX ) after several attempts, and getting confirmation that they had received the documents, They continued to charge me for the wind insurance. I then resorted to Certified mail to communicate. They did finally respond that they received the documents, however they continue to overcharge me. 
I now need to file a complaint with the C.F.P.B. To try to get Fay Servicing to stop overcharging me. 
I have included documents from Fay showing the charges they intend to impose. Also XXXX XXXX XXXX XXXX documents that show I have the insurance. Again Fay has been served these documents a number of times ( and they confirm this ) However they continue to overcharge me. 
Thank you XXXX XXXX
Consumer complaint received 2016-02-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XXXX XXXX, I drove 3 hours from Washington DC to XXXX, PA for the sole purpose of closing my bank accounts with First National Bank ( who just bought out my bank - XXXX of PA ). I went to the XXXX branch on XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). I was met with, " We ca n't close your accounts until Tuesday because we do n't have account totals. '' Seriously? Way to plan for the merger! I signed all the paperwork and was told they would mail a check on Tuesday, XXXX XXXX to my temporary residence in XXXX, MD. It 's only XXXX miles away from XXXX so should have arrived the next day. Wednesday, the XXXX came and went. Thursday, the XXXX came and went and still no check. I called Friday, the XXXX and was told the checks were n't mailed until Thursday and should arrive early this week ( XXXX XXXX or XXXX ). 

It is now XXXX XXXX, almost TWO WEEKS after closing my accounts and I STILL HAVE NO CHECK. I called again this morning and talked to the bank manager, XXXX, and was told that the checks were sent last Thursday, the XXXX, not Tuesday as promised, but they went to a main bank or corporate or whatever in XXXX first and would be sent out from there sometime. " Probably Monday or Tuesday she said but that was a guess. She did not verify that they were indeed sent out. '' Meanwhile, I have {$50.00} in cash to my name which I used to open the account at the new bank. I have an overdue credit card which is now maxed out because I have no cash and First National Bank has my {$15000.00} in limbo for almost 2 weeks and the best part is I now owe a late fee and all the interest on it because of this whole screwed up process and the repeatedly being lied to. I also have no way to pay my electric bill or buy groceries. Way to go First National. I clearly made the right decision to close my accounts when they bought out XXXX. I want my XXXX money!!!
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I have been trying to correct problems of incorrect information on my credit report, from XXXX, XXXX and Equifax Credit Reporting Agencies, I have told these reporting agency that some information of these reports are incorrect, but they refused to take off this incorrect information, this is very upsetting to me, when I know that this information is wrong, They also have old accounts older than 7 years reporting on my credit history and I have closed and paid out accounts and they are still showing on my credit report, I want these accounts off of my credit because they are paid and closed. The credit reporting agencies are reporting false information and just do n't want to remove these accounts from my history. I am tired of trying to get these issues resolved and this is why I am writing to you for help. This is unfair and I want something to be done about this. Please, help me to get these situations resolved. Credit Reporting Agencies are suppose to report accurate and correct information, when they report false information on a report, it effects the status of our credit score. Also I am also having problems with one credit card company customer service workers who keeps adding a late fee on my credit card and I am never late in paying on time. As a matter of fact I pay over the amount due each month and always pay before the due date. One customer service representative, told me the reason I got a late fee was because I paid too early. Who have ever heard of such a thing like this. This is CRAZY!! Each time that I called this company they try to justify why I owe the late fee, when I threaten to write a letter to the Attorney General and complain then they take it off. I am so sick of these Customer Service Workers trying to get money unfairly from consumers who are working hard to pay their bills and then are getting this kind of treatment. Yes, this is unfair and unlawful for things like this to continue. If every consumer would do more complaining these kinds of practices will not be happening. Help! Help! Help!
Consumer complaint received 2015-03-25
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Nu World Title, LLC (FL)

LAST FRIDAY I WAS CALLED TO DO THE CLOSING OF A HOUSE THAT I WAS TRYING TO BUY,THE TITLE COMPANY(NU WORLD TITLE,LLC)TOLD ME I WAS GOING TO NEED A GIFT FROM A FRIEND FOR THE AMOUNT OF 3700.00,THAT CALLED MY ATTENTION BECAUSE I HAD ON MY ACCOUNT ENOUGH MONEY,AFTER CLOSING I HAD A BALANCE OF MORE THAN 6K.
AFTER I SIGNED AND THEY GAVE ME THE HUD-1 ON FRIDAY NIGHT THEY INSIST IN THE GIFT AMMT TO BE TRANSFER TO THEM,ON SATURDAY I RECEIVED MY KEYS AND I MOVED IN OVER THE WEEKEND,ON MONDAY THEY STARTED CALLING ME FOR THE GIFT MONEY AND I REALIZED THAT THEY NEVER GAVE ME THE WARRANTY DEED,TODAY AFTER SEVERAL CALLS MY REALTOR JUST INFORM ME THAT WE NEVER DID I CLOSING AND THATS WHY I DONT HAVE A WARRANTY DEED,NOW IM LOST AND I DON'T KNOW IF I HAVE TO PAY MORE MONEY OR IF I DON'T AND I ALSO WAS TOLD BY MY REALTOR THAT THE MONEY I PAYD FOR INSURANCE(XXXX) IS NOT INCLUDED IN THE CLOSING COST AND THAT'S WHY THE AMMT I PAYD OVER THIS PROCESS IS NOT THE SAME THAT THE ONE IT'S IN THE LINE#XXXX OF THE HUD-1.
CAN SOMEBODY CLARIFY WHAT IT'S INCLUDED IN CLOSING AND DO I HAVE TO LEAVE THE HOUSE AFTER I MOVED.THANKS IN ADVANTAGE AND I'M WAITING FOR A PRONT RESPONSE.
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I filed a complaint against Midland Funding/ XXXX Midland Credit Management with your agency on XXXX/XXXX/2015. Case number XXXX. Since I have filed the complaint and Midland has received your letter, they have now retaliated against me, by re-reporting the information on my Equifax report under the name MidlandMCM with no original creditor information and aXXXX days late since XXXX 2015. This just showed up today, I know this is the same company, because it is the same account number. Please help any way you can
Consumer complaint received 2015-03-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I received notice from a debt collecting law firm on XXXX XXXX stating that a law suite was being filed against me for a debt I owed to a creditor by the name of XXXX XXXX in the amount of {$8100.00}. After receiving this letter I pulled my credit report only to find that this bank reported this debt and charged it off as bad debt. After putting together a dispute letter to this law firm requesting validation of the debt, I was served with a summons and complaint on a debt that I know nothing of nor did I ever sign for any debt with XXXX XXXX. I will be answering my summons and complaint immediately because they did not submit competent evidence bearing my signature that I ever had any contractual obligation to pay this bank.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NJ)

I am a victim of Identity Theft. Someone has fraudulently obtain goods and services in my name without my proper consent. 

I am not aware of the item in question on my credit report and have not lived in the residence that is listed on my said credit report. On several occasions, I keep receiving calls from unusual number and when I check my voice mail. There is silence on the line.
Consumer complaint received 2015-08-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Armed Forces Loans of Nevada Inc. (MD)

I took out a loan with a company Called Armed Forces Loans of XXXX. I was active duty military at the time and I was in need of a loan due to unexpected expenses. I received an approval through Armed Forces Loans of XXXX. At the time I was just excited to get approved for the funds that I need, but as time went on I realized I was in a much better situation without the funds from this company than before I made contact with this company. 

I was charged interest rates upwards of 34 % which I know now is not allowed for XXXX military members for an interest rate to be so high it should be maxed at 6 % ( due to laws such as the SCRA etc. ), this interest rate is also not allowed for the state of XXXX Residents. I was also not aware that this company may not even be allowed to lend to Maryland residents due to not being licensed in the state or not following the XXXX interest rate guidelines. 

This company has left countless remarks on my credit report in order to get this debt collected and it has become very damaging to my credit profile. I am willing to take full responsibility for the debt and I would like to get this account settled but only if this is indeed legal account ( loan ). 
I would like to request the company send me : A copy of my full account statement ( Loan Amount and Terms ( signed by me ) to include interest and fees ) which have never been provided by the company and are not available on my online account. 
Also I request the company send me their License information that grants them authority to lend in the State of XXXX and or to XXXX Residents. 
Any other relevant documentation to prove this company has the ability to lend to myself. 

While this process is ongoing I would like Armed Forces Loans to remove all account information ( collection accounts, derogatory remarks etc. ) and to cease collection attempts. 
It has been brought to my attention that I may be a victim of deceptive lending or predatory lending and if this is the case due to what has been listed above then this account should become void. It makes this very suspicious when they do not want to reveal original documents or provide certain proofs that are required by law. 

Upon the Company receiving this complaint I wish that if I am wrong about any of the above mentioned that they will not show any type of retaliation efforts and cause more damage to my credit than they already are. I am just a concerned consumer that wishes to verify my rights. 

I do not wish for Armed Forces Loan to contact me until they can provide what was listed about as I do not want to be put in a more stressful situation than this already is.
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

A foreclosure case has been commenced against the borrower in XXXX XXXX. Currently, mandatory settlement conferences are being held pursuant to NY XXXX XXXX XXXX. At a settlement conference held on XXXX XXXX, 2015, the Court directed the borrower to submit his most recent financial documentation to HSBC 's attorneys by XXXX XXXX, 2015, and directed HSBC to render a decision on the modification application by XXXX XXXX, 2015. 

On XXXX XXXX, 2015, the borrower, through counsel, emailed HSBC 's attorneys copies of the borrower 's six most recent pay stubs and two most recent bank statements for each of his accounts. HSBC 's attorneys confirmed receipt of these documents on XXXX XXXX, 2015. On XXXX XXXX, 2015, the borrower 's attorney received XXXX letters from HSBC, dated XXXX XXXX, 2015 and XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC claimed that the borrower 's application was incomplete and asked that he submit certain documents by XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC said that it would discontinue processing the application because it did not receive the allegedly missing documents by the deadline. Neither the borrower nor the borrower 's attorney received either letter before XXXX XXXX, 2015. The borrower appealed this decision to discontinue the review on XXXX XXXX, 2015. 

At a settlement conference held on XXXX XXXX, 2015, HSBC 's attorney stated that HSBC would continue with its review of the application. To date, however, the borrower has not received a notice that the application is complete.
Consumer complaint received 2016-02-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (ID)

The account it is said to be from XXXX XXXX Bank which I have called and was unable to get an account under my social security. 
The claims said to be incurred in 2007. I have asked for more information this case is now with an attorney XXXX XXXX. XXXX law has not provided me any of the information showing that this is my debt nor the exact date in when I was served. I have contacted them several times and I have been harassed ignored of my request. Now my employer has received documents for my wages to be garnished for an amount and a sum that is not my debt. wrongfully after my wages for an account that I have verified with the original Target that my social does n't appear in their system. I would like some justice.
Consumer complaint received 2015-03-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

Due to a court order from my divorce, I either have to refinance my home or put it on the market by XXXX XXXX, 2015. I spoke with an agent at XXXX bank who has me locked in at a rate as of XXXX XXXX, 2015. On XXXX XXXX, 2015, I 've been dealing with an HSBC agent and inquiring about my account and wondering why they had continued adding interest on the back end of my loan. She called me back the following morning and said that it was incorrect and that she would look into it. I have been telling her that time is of the essence and as of today, XXXX XXXX, 2015, it 's just now going up to another level because it 's not being taken care of. " TIME IS OF THE ESSENCE. '' I need your help on this matter because from what I see, I 'm going to loose my rate that I 'm locked in on and if I had sold it, I could have very easily lost that deal due to insufficient knowledge of a bank that holds not only my mortgage, but millions of others. Knowledge of something that they should know. A bank that has not given respect to a long time customer and XXXX that is trying to fulfilled court orders. Please help! 

Sincerely
Consumer complaint received 2016-02-25
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CA)

We have 3 valid complaints as follows please : 1. Client has an approved short sale under the HAFA program. The 1st lender XXXX had approved the file w/ escrow close date on XXXX/XXXX/2016, with {$12000.00} pay off to the 2nd loan, an equity line of credit. The assigned negotiator of the 2nd lender, Chase, wont approve the file under the HAFA insisting that XXXX approval letter should contain a specific HAFA verbiage. XXXX however refuses to issue a special letter as requested since the bank 's letter is auto generated. XXXX, to satisfy Chase 's request sent a letter with XXXX signature but still Chase 's refuses to honor the approval letter. The settlement statement ( HUD ) clearly shows that account is a HAFA short sale. We want to close escrow but Chase apparently is not cooperative and intentionally making the process too hard for every one unnecessarily. Our goal is to close the short sale as approved under the HAFA program. Account is delinquent with an active foreclosure process but since short sale is in progress, a sale date is put on hold. 
Please help our client. 
2. An incorrect account no. has been provided by Chase 's negotiator, speculatively was done in purpose so other departments can not have an access to the account, like the escalation department, or the supervisors. 
3. Numerous calls have been made to the 2 supervisors of Chase but no return calls. 
The author / person filing this complaint is assistant to the listing broker.
Consumer complaint received 2015-10-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

Hello, I received a letter from Ally Financial inc.and Ally Bank, that they settled a lawsuit with XXXX government agencies -- the U.S. Dept. of Justice and the Consumer Financial Protection bureau -- over allegations of discrimination in auto financing. and that a credit will be reflected in my next billing statement. I was told that the credit would be applied to the principle, but when checking my ally online account history, the XXXX credits {$48.00}, of that {$24.00} went to finance charges, {$94.00}, of that {$47.00} went to finance charges. QUESTION : Is n't that whole amount to be applied to the principle?
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (CA)

On XXXX/XXXX/15 someone contacted synchrony bank ( walmart ) and requested a change of address to florida and had my credit limit changed from {$400.00} to {$3400.00}. No one from synchrony questioned theses changes, called me to verify or anything. This person made a lot of charges. on XXXX/XXXX/15 I recevied a letter from synchrony asking if these changes where made by me. I know mail only takes about three days to get XXXX. Upon receipt of this letter i called and was told what had happened and that i was not responsible for the charges. they gave me a new credit card number but because they were unable or unwilling to tell him how they allowed this to happen in the first place i had the card canceled. On XXXX/XXXX/15 they mailed me a fraud letter and i received it on XXXX/XXXX/15. I want a full explianation as to how my security with them was breached and why i was not called the day for this major change was requested. I also want a written apoligy for the hardship this has caused me.
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (PA)

I have a direct deposit account the Rush Card. On XXXX XXXX, 2015 i had a deposit into my account of {$1200.00}. I am missing {$300.00} out of my account. I deducted my transactions that were listed on my statement just to make sure, and i came up {$300.00} short. Now I am locked out of my account altogether and they are making it hard for me to receive my money. 
The bank that Rush card uses is XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2015-03-25
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (MA)

Quicken Loans has given me XXXX approval letters stating that my loan has been approved and FULLY underwritten in accordance of the underwriting guidelines. 5 days before closing XXXX XXXX, Solution Consultant for Quicken Loans, informed me that they still needed more time and that the loan HAS NOT been approved by their underwriters. Due to this, I have lost ALL deposits for the purchase of the home I was interested in buying since the approval letter was emailed from the loan consultant to my broker. A total of {$3300.00}.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX. Equifax is showing my name as XXXX XXXX with a address in XXXX Ohio. Also there is XXXX credit cards that are on my credit that are my sister in laws XXXX XXXX. I 'm XXXX XXXX dob : XX/XX/XXXX. I would like for her name, address, and both credit cards to come off my credit report. This is ridiculous and I have tried to get it off through equifax but they did not do anything for it.
Consumer complaint received 2015-10-20
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NJ)

I Deposit {$520.00} XXXX XXXX Ref Num XXXX To Loud My RushCard XXXX On XXXX/XXXX/15 XXXX My Acc Balance Is {$0.00} Custumer Service Is Not Avelable ( not one XXXX number is working I Ca n't Access to No Rep ) I Do n't Have Access To My Money Day 7 With No Access To My Money XXXX/XXXX/15 XXXX