davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IN)

We are contacting the CFPB in desperation in dealing with our mortgage company. We were recently denied for a loan modification again due to not having a valid hardship. We did not realize after being in review for so many months that if we had given more details regarding our hardship explaining the reasons due to XXXX not working was health related having proof of this as well, that the outcome of the decision could have been different. We fell behind on our mortgage payments. In XXXX of 2013, XXXX had been XXXX from his job when the company closed. This was the XXXX time this happened with XXXX different companies. During this time, XXXX became very XXXX in XXXX of 2013 for XXXX months which is also why his XXXX was stopped as you need to be able to work and he was not after being XXXX. Since then, he has been in XXXX. He has to take medicine that is n't covered by insurance. Since XXXX is unable to work and we have increased medical expenses monthly, XXXX has been able to get an increase in pay and can show affordability to resume making payments again. We have attached the XXXX statements and monthly prescription bills to prove this hardship. We did not disclose this previously as this is an embarrassing personal situation and did not realize just stating XXXX was not working was not a valid hardship. We applied for a modification when we were current on payments as our savings was being depleted to pay the bills up until XXXX of 2013. We have been denied on a few occasions since. Although our hardship is long term, if the arrears we owe could be capitalized back into the loan and be brought current, we can show affordability to resume making payments again with just XXXX income. I know US Bank provided us with a copy of the BPO report showing the value of this home is {$250000.00}. With arrears, we owe close to {$320000.00} which makes the loan to value 125 %. We are not asking for a lower interest rate or payment, just a chance to keep this home we have been fighting for so long to keep throughout these difficult times. Please help us as we do not want to lose our home.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (NC)

My husband and myself have been fighting identity theft for months and it seems we have gotten everything take care of except " inquiries '' i have made no inquiries on my credit report and there should be no new inquiries for me other than target. Any other inquiries for my credit are fraudulent and i have mailed about this before
Consumer complaint received 2016-01-05
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

In XXXX 2015 my mortgage account was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services ( CMS ) without my consent. CMS sent me documents that instructed me how to make payments on their website but they were poorly written so it was difficult to do so. I finally figured out how to make payments, to find that CMS did not allow any additional payment of principal or escrow online. Instead, you could make the regular payment, then either mail them a check or make a phone payment ( for a fee ) for the additional amount. After complaining about this for several months, CMS changed their site to allow additional payments only under the following circumstances : You can only pay the regular amount before the payment due date. Any additional amounts must be paid after the system processes the payments from the previous month, so I must wait for some unknown number of days ( usually the XXXX to the XXXX of the month ) to make any additional payments, despite CMS 's written assurance to me that payments can be made on the XXXX of the month. I get paid on the XXXX and XXXX of each month, so I prefer to make my mortgage payment out of the paycheck on the XXXX, as soon as I can, so I can be fiscally prudent. 

CMS 's policies seem to ensure that customers can not lower the principal amount much beyond the normal payment and to allow them to gain as much interest as possible. Furthermore, this is the worst customer service I have ever received. I had to make a XXXX complaint to get a supervisor to call me, the website is antiquated and is hard to use, and any complaints or adjustments must be made by mail or fax.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (IN)

I have a PayPal Credit card that I did n't " knowingly '' apply for. I thought I was making a donation to XXXX and paying for it with a credit card that I use for everything. Later I received a billing statement from PayPal. I called to get an understanding about the bill and " credit card '' and learned that I had actually opened the account. This struck me as odd and deceptive. When reading an article on the internet today, I decided to report this.
Consumer complaint received 2015-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX complaint against Wells Fargo. They are playing games with me. After bringing my account current and paying the reinstatement amount to bring my account out of foreclosure, and confirming 3 times by phone there are no other legal fees or other fees due, I received a letter saying my escrow is in arrears. I filed a complaint about that. They say I owe the money. Fine. Then I receive a letter dated XXXX from Wells Fargo including a check for {$100.00} because they discovered after reconciling my mortgage account I 'm owed a refund for some fees that were overstated. Then I received a check for mystery fees. Then I receive a letter dated XXXX from XXXX XXXX XXXX, lawyer for Wells Fargo saying I have to send {$40.00} to XXXX XXXX court for an unfilled Discharge XXXX. What? Huh? I do n't know what that is but I have to send the document and a check to the court. 
In good faith I brought my account current and paid the full reinstatement amount and was assured no more legal fees, or fees or anytime. Then I get a check for a refund for mystery fees. Then a lawyer letter I owe {$40.00} to a court? Not to mention I received a postcard in the mail for a class action lawsuit for property inspection fees and we 're a part of that too. 
I do n't understand why this is happening. I paid a reinstatement amount and my monthly mortgage and the saga continues?
Consumer complaint received 2015-12-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AZ)

I purchased my home in XXXX of 2015. I made payments to my initial mortgage company, First mortgage, until XXXX 2015. In XXXX I recieved a goodbye letter stating that my mortgage had been bought out by Freedom Mortgage. The letter was a mistake. it even had the wrong account number on it. I sent a payment to freedom mortgage to this wrong account number and thought nothing of it, until i received a letter from first mortgage stating i was behind on my mortgage for the month of XXXX. I quickly called and told them that they had sent me a good bye letter and told me it was a mistake ( i have proof of this letter ). they told me i would have to find the money. I called freedom mortgage and explained the mistake. they said they would send the check for XXXX to first mortgage directly so i figured it was handled. I was wrong and the check never arrived. I continued making payment to first mortgage then in XXXX I received a letter from Freedom mortgage stating that i was late on my mortgage payments. now I was really confused because first mortgage had told me i was with them. I never got a real official goodbye letter from first mortgage or a welcome letter from freedom mortgage. I called first mortgage to confirm i was transferred over and i also called freedom mortgage to confirm. this time the transfer was for real but they made a mistake. They transferred me with a missing payment from XXXX, but the only reason i was missing a payment from XXXX is because of their mistaken goodbye letter in XXXX. now they say i am in default and they are sending me threatening letters. 
All in all i have proof that i have paid every mortgage payment, since the day i bought my house, on time to this day. I have never missed a payment and i have proof! It was all mistakes on their part but they can not figure it out!
Consumer complaint received 2024-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (AZ)

I received a monthly statement from Shellpoint at the end of XXXX indicating that my monthly payment due on XX/XX/year> was {$400.00}, I was previously paying around {$130.00} before it was transferred to Shellpoint. There was no explanation as to why there was an increase and it was received by me literally days before the payment was due so no advanced notice of the increase was given either. I immediately sent a message through the website to ask for an explanation for the increase. I received no reply, I then submitted a 2nd request and have still yet to receive an explanation. I did today receive a secure message letting me know my escrow analysis is done yearly. I do not even have an escrow account with Shellpoint as this is a 2nd mortgage so I don't even know why I received that. I got another statement in early XXXX dated XX/XX/year> and that one said my payment was {$350.00} and then the statement for XXXX dated XX/XX/year> had a payment of {$320.00} which is yet another amount and still no explanation as to why it increased when the loan transferred and why no advanced notice was given. The XXXX statement had an incorrect original balance as well so I am not even sure they have the right balances or rates and am not being provided any details. My loan is now delinquent because I can not pay the increased amount and do not even understand or know why it increased.
Consumer complaint received 2015-11-06
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wise Finance, LLC (IL)

I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from Wise dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received notices from Bank of America that I opened a checking and savings account at the Bank. The following day, I received mail that the Bank closed the newly opened accounts immediately. I never applied to open these accounts at Bank of America. When I visited the branch location on XXXX XXXX XXXX, XXXX, MA today to discuss this issue, XXXX XXXX, Personal Banker of BoA, informed me that my SSN was used to open these accounts. I am a victim of identity theft.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2015-12-15
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX : The following is the over view of my issue with AMEX debit cards. This issue has occurred nearly a dozen times. The issue is AMEX making an error in processing a payment/ return. The amount of time to have wrongly removed monies from the account runs nearly 8 business days which is nearly 2 weeks of a consumer not having access to their own money. Although VP 's contacted me, the error was not corrected. 

I am contacting you concerning the recent scandal involving the XXXX XXXX. Due to a similar issue with AMEX, I will be addressing the issue in the same manner as I and my partners addressed the issue below concerning XXXX. The case is now part of the XXXX case to break up XXXX and fine the corporation {$6.00} XXXX http : XXXX. 

We are taking the XXXX approach to addressing the massive and industry wide scam of stealing from consumers and inconveniencing them in a very harmful way. For example AMEX and most of these cards encourage the working class and poor to have Social Security, XXXX, their paychecks, etc. directly deposited to debit cards. As in the XXXX XXXX situation those funds are made unavailable through errors, and other unethical practices to increase revenue for the card companies. We will be calling on the federal and state governments to take action that bars swipe fees, any wait time for consumers to have access to their monies due to error or profit gouging by card companies. The movement will involve reaching the public and legislators through press releases, press conferences, taking legal action, and boycotting companies that are in the consumer exploitation business. 

If your organization would like to participate please let me know how we can help. 

XXXX XXXX XXXX XXXX : XXXX https : //www.google.com/ # XXXX & XXXX , % XXXX , % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (CA)

Owed part of the {$10.00} XXXX penalty the CFPB ordered from TitleMax. This is for unlawful title loans and overcharging ridiculous interest & fees. They was supposed to communicate with me clearly & conspicuosly at the time of sending their contract. I am a victim of this useless product. Also it said on the contract I have a finance charge of {$840.00}, than why would I pay {$6800.00}.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CO)

Dear CFPB, I ask that you seriously you investigate this company. I had a mortgage with XXXX XXXX ( already had to file XXXX complaints that are still ongoing ). The mortgage was transferred to Freedom mortgage. The transfer has been a complete mess. After a long trial the previous company finally transferred everything to the new company including a check. The first time I spoke to the new company the person said it was taking them a while to process payments because they were bringing in a large number of mortgages from multiple companies. Per their own records it too almost 2 weeks from when the payment was " received '' ( an attachment will show their own records show it took this long ) for them to actually post it. I was told that this would be corrected and that they would process checks more quickly. Now, I have mailed another check, directly to them this time, and it has been over 2 weeks since the check was mailed and they still have not posted it. I called in to inquire about their address and then asked why it was taking them so long to process checks that are mailed. The woman who answered ( I did not get her name, although they can tell you who it was since the calls are recorded. ) insisted to me that all checks are posted in no more than 72 hours. When I pointed out that their own records showed it took them almost 2 weeks to post my check even after they claimed they received it ( which was 2 weeks after it was mailed. I know the Post office is slow, it is not that slow though ) she then said it did not take them that long to post and then i again stated that their own records show it did and asked why it was taking so long. She then hung up on me.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (VA)

My ex husband applied for a Discover card and listed me as an authorized user without my knowledge. After we split up, he stopped paying the bill which is none of my business, except that it is showing as delinquent on MY credit report. That should be illegal. I could open an account with them and list someone I did n't like as an AU and totally XXXX their credit without their knowledge. I think this should be illegal. I could understand if I was a co-app but I had nothing to do with that card. Discover ca n't even discuss it with me because my name is not on the account so I have no recourse. This is the only negative remark on my report and it is impacting my refinance rate/options. Please help.
Consumer complaint received 2015-09-14
Product: Payday loan — 
Issue: Can't contact lender — 
Company: High Point Asset Inc (FL)

My coworker received a call from High Point Asset on her personal cell phone. I called the company and spoke with XXXX XXXX and he stated that my loan with the originator was paid off but XXXX people actually lend the funds to me and that i needed to pay the other XXXX loan companies back. I asked him to provide a copy of the contract which states that my loan was with XXXX different companies and to provide me with the original company that I received this payday loan from. The gentleman refused and I instructed him not to contact my employer, coworker, or anyone else looking for me. XXXX then stated that he will continue to call until I pay off the other XXXX companies. He stated that he will not furnish me a copy of my contract. The number they called from is XXXX -- XXXX
Consumer complaint received 2015-12-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (IL)

On XXXX XXXX, 2015 I made a call to my lien holder, the goal was to obtain the information to the person that has the authority to make settlements as well as close my file out completely. I was told there is no one I could speak to that could help me. Attached is a letter with further detail
Consumer complaint received 2015-11-06
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (WI)

On approximately the first week XX/XX/XXXX I filed a dispute complaint of fraudulent charges with Rush Card. During the investigation, they stopped usage of my current debit card and issued me a new card. Upon receiving the new card, the company was in the midst of a very large upgrade to their services. When I went to activate my new debit card, it would not accept the information via telephone to activate the new card. Upon logging in online, I noticed that the new card displayed online on my account did not match the one I received in the mail. Due to the large epically failed overhaul, I was not able to reach customer service via telephone for the first 24 hours. During this time, I sent an email and was issued a ticket number and an automated response saying they would respond within 12 hours. As of XXXX/XXXX/2015, I still have not received a response. I have gotten thru to customer service after several failed attempts and was given a response that " I need to wait for the website overhaul to finish and the account numbers would be updated. That never happened either. I have been put on hold, hung up on, passed along and still can not access my XXXX payroll deposit that was put in my account on XXXX/XXXX/2015. I talked to customer service last night and they were going to issue me a pin number to resolve this issue but they hung up or disconnected before I could receive the number. I have faxed, called, and emailed numerous times and to numerous affiliates and hit a dead end everytime. I have reached the end where this is no longer acceptable customer service. 
After weeks of run-arround and dead ends. Rushcard customer service states that 1. They do not have access to accountholders information and when requesting to consult with supervisor, I was transferred to a person who was able to access my account info but still could not resolve my problem. I have paid {$30.00} for an expidited fee for a replacement card that was blocked before I even received it, and not offered a refund of that {$30.00}. It is XX/XX/XXXX15, and I still can not access my money on this account. Rushcard has no problem deducting fees from the account but claim they can not perform a card to card transfer on their end, even though we have record of them doing this exact thing.
Consumer complaint received 2015-05-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (VA)

I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from my credit report.