davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NH)

Following forbearance, due to two bouts of XXXX I contacted the lender on XX/XX/XXXX. and submitted all the required documentation for consideration of alternatives including modification.On XX/XX/XXXX I received word that my application was considered complete on XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming that my account was approved for a workout plan and that no additional documents were needed, however on XX/XX/XXXX I received a letter indicating that additional documents were need to complete the review. 
On XX/XX/XXXX I then received a letter that the file is complete and I have been approved for a workout plan, However on XXXX I received an additional letter indicating that after review my modification request was denied. 
Following several calls with my point of contact, I was told that a temporary repayment plan would be considered and I would have conformation in 7 to 10 days, that was the first week of XXXX. On XX/XX/XXXX I received approval. Same day I received notification that a sale date was set for XX/XX/XXXX and that I should reach out to the XXXX XXXX XXXX. I did complete the application with XXXX XXXX XXXX and received word on XX/XX/XXXX that I may be eligible for {$20000.00} in assistance however they would need to speak with my servicer as the outstanding balance exceeded the {$20000.00} Assistance Payment. 
On XX/XX/XXXX I reached out to my point of contact for an explanation for why I have had a Sale Date Set when I was obviously working to resolve. The history is very clear, and the mixed messages have made this very upsetting. On XX/XX/XXXX, I spoke with my point of contact who could not tell me why the sale date was set however she had requested a postponement and I would have a call within 5 days to confirm the postponement. As of today I have not received a call or confirmation in writing. 
As of today, the servicer has not responded to XXXX XXXX XXXX to work toward a resolution on how the {$20000.00} could be used to assist the mitigation options. On XX/XX/XXXX I provided a copy of the XXXX XXXX XXXX letter to both Loss Mitigation and my point of contact.
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

Southwest Credit systems on behalf of XXXX have reported to the credit bureaus that I have an outstanding debt in the amount of {$2500.00}. After sending letters and speaking to XXXX of their agents on XX/XX/XXXX confirming that the debt is not mine based on the information they have. This company has failed to remove the inaccurate information from my credit report.
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Their insurance department is forcing " hazard insurance '' w/o any reasoning or cause. My home insurance renewed and my insurance company has provided the proper documentation as it is stated on my documentation. I have uploaded my policy when it was due, but a week later I'm still receiving mail about not having home insurance. 

They note on their notice that the insurance they purchased is significantly more expensive and can cover less that the one I have. No other material on dates purchased or what's covered was included. 

Also, why is my load getting sold and bought multiple times a year? Switching companies creates unnecessary burden on the mortgage holder. This insurance information should be transferred seamlessly.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

This concerns an issue that is showing up on my Experian credit report only. There is a paid account in the amount of {$150.00} from a company called XXXX XXXX. The original creditor is XXXX XXXX XXXX My wife called XXXX XXXX on XXXX to have the collection removed since it was paid, it took the young lady over an hour to find any record of the account. When she finally found it, she made all the arrangements to have it removed. now, nearly 2 months later, it is still on Experian. She has called at least 6 times to XXXX  since then and talked to less than a dozen people, including supervisors. Not a one of them can find any record of our account, however, they refuse to call XXXX XXXX  to have it removed. She has called XXXX several times and they will not remove it from the credit report without XXXX approval . We even went to the local XXXX store, as one of their phone reps recommended. The young man who waited on us was very helpful, he called XXXX and explained everything. The woman on the phone asked to speak to me and after explaining everything, she claimed she was unable to remove anything from the credit report and gave us an email to contact. We contacted them but have heard nothing in return. .We finally filed a dispute with the credit bureau XXXX unfortunately that can take up to 30 days. I don't recommend anyone use XXXX, they can not find the account but refuse to do anything to remedy this situation.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On the XXXX of XXXX, an individual contacted me saying that they needed XXXX dollars because they were unable care for their dog. They said they would pay back {$320.00} on the XXXX. After I sent this payment, she was very uncommunicative. On the day that she was supposed to repay me, she blocked me on the social media that I was using to talk to her and I am unable to communicate in order to get my money back. As it stands, she stole my money and had no means to ever pay me back. I filed a claim through XXXX, however, they said that the transaction in question didnt count as a service that they can refund me for. They told me to contact my bank and file a claim for the transaction. After filing a claim a few days ago, I wanted to check the status of it today, but when I called my bank ( Wells Fargo ) they notified me that the claim has been denied since the transaction was authorized on my part and they would be unable to help since it was a service. Im worried that I wont be reimbursed for this, since the money in question came from my savings. The screenshots in question show the chats I had with her, and the proof that I tried to dispute a transaction with XXXXWells Fargo XXXX
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Mitchell D. Bluhm & Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Mitchell D. Bluhm & Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Mitchell D. Bluhm & Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Mitchell D. Bluhm & Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (VA)

I filed a complaint with cfpb in XX/XX/2022. After Mr. Cooper filed an answer, the file was closed. I have NO IDEA of what the intentions are with Mr. Cooper, so I filed a Qualified Written Request, # XXXX to CEO XXXX XXXX and # XXXX to Mr. Cooper " Notice of error Department/Request for information '', Both of these XXXX  's were Acknowledged in writing stating " a response will be provided by XXXX XXXX,, and XX/XX/2022 respectively. As of this complaint I have not received any kind of response from either of my XXXX, I have all the tracking information if you require. 

I am almost XXXX, I am very compromised health wise, These two XXXX  were sent with the hopes that I could have an idea regarding my home. Mr. Cooper will say I am XXXX payments behind, NOT ACCURATE!! I've made XXXX Trial payments, XXXX Post Trial payments, and I HAVE POST TRIAL PAYMENTS XXXX, ( over XXXX. ) Please help me.
Consumer complaint received 2022-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TN)

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owned your {$1600.00}, which I know I did not do any business with your company. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 

I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Last XXXX XXXX
Consumer complaint received 2022-11-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

In XX/XX/2022 the servicer paid my insurance premium twice. At the end of XXXX, I contacted both the servicer, Nationstar Mortgage d/b/a Mr Cooper, and insurer to correct the problem. The insurer immediately issued and refund to the servicer. The servicer never posted the refund to my account. In XXXX I was notified of a significant shortage in my escrow account that would result in a significant increase in my mortgage payment. I immediately called the servicer. After over 45 minutes on the phone, I was assured that 1 ) the servicer would work to resolve the issue that caused the shortfall and 2 ) my mortgage payment would not increase until it was resolved. On XX/XX/XXXX the servicer deducted the higher mortgage payment from my checking account. I immediately called the servicer. After over an hour and a half on the phone, I ended up speaking with XXXX who was presented to me as an escalation specialist. XXXX asked me to participate in a 3-way conversation with the insurer. The insurer told us that they would stop payment on the previous check and issue a new one made payable to me. XXXX told me that I would need to deposit the check into my checking account and then submit a payment to my escrow account. At that time the servicer would reanalyze the escrow account and update the payment amount. She would then process the XXXX payment. XXXX told me that she would follow up with me on Tuesday, XX/XX/XXXX to see if I had received the check from the insurer. She did not call. I received the check on the XXXX of XXXX and posted it to Mr. Cooper on the XXXX. I attempted to reach XXXX to let her know. She did not answer the phone and her voicemail box is full. Today is the XXXX of XXXX : The servicer has not reanalyzed my escrow and has not processed my XXXX payment, and shows a XXXX payment in the higher mortgage amount scheduled to come out on the XXXX. XXXX 's voicemail box is still full.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (CA)

On XXXX XXXX, XXXX, I received an email order confirmation from a company called " XXXX '' for a home gym with a promise of delivery in 3 to 4 weeks. I purchased the product with a loan through Affirm, XXXX 's financial partner. The total was {$550.00}. So far, I have made two {$46.00} payments, leaving a remaining balance of {$440.00}. 
On XXXX XXXX, I contacted XXXX through their customer support email to find out why I hadn't received my home gym. They replied that they were having shipping problems and I would get my product in early XXXX. On XX/XX/XXXX, I contacted XXXX 's email support, but I didn't get a response then or after that. 
Subsequently, I contacted Affirm customer service twice to file a complaint against XXXX. Both times, the representative said their investigators would get in contact with me within 3 to 5 days. It's almost XXXX, and no Affirm investigator has contacted me yet. Today, I made a final call to Affirm customer service, but I got the same old response. It's been almost 3 months since I made my order, and I still haven't received my home gym. I believe Affirm is harboring fraudulent merchants.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I have tried to communicate with PayPal through all means ( cell phone, same platform, mail ) without any result, since for some reason the support always tells me the same thing. They flatly deny everything I say, even though I have the evidence for it. The platform literally limited my account for no reason, with the apparent reason of having created the account being a XXXX, they do not give me any action to appeal the decision they make, the same support, moreover, ridiculously, tells me that this decision is permanent and can't be appealed ( when I have never been able to appeal it ). The account was made by a representative and I have only given my identity when I was going to request the name change. -- -- -- -- -- -- - I already sent a claim through this same page against PayPal, but they themselves tell me that it does not correspond due to the discrepancy between the location from which this claim is being sent, being that days later the PayPal support in XXXX  responds to the mail saying that they reviewed the claim and that I will no longer be able to withdraw my money after a period of 180 days ( being that this was already specified since they limited my account ), The same goes for PayPal support in the XXXX, I don't have the resources to go to the XXXX to dumbly file a complaint, even less when I am not given any option to appeal decisions like this or that in the same dispute options in my country, there is no option available. It is unbelievable to me that I am going to lose my hard-earned money this way, on a platform that only has the job of holding it and not carrying it as if it were nothing. I only used it to transfer my funds with XXXX from XXXX. Timely, this is my only means by which I can affirm PayPal 's poor decisions. -- -- -- -- It is criminal to accuse someone falsely, not provide any evidence that this was the case, and even refuse to confirm the veracity of the facts. Just as PayPal is doing.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

*THIRD REQUEST NOT DUPLICATE REQUEST* I have been disputing with Experian for quite a while. They do not investigate, and they send stall letters claiming they are which they are not. 
The following accounts are reporting as active payment history every month even though they know the accounts are over 180 days which is FALSELY against the state of limitations. 
XXXX XXXX XXXX  date closed XX/XX/XXXX claimed its sold but is showing the original creditor and the sold company. They are reporting a balance every month as if the payment is active history. XXXX {$420.00} XXXX XXXX- date closed XX/XX/XXXX claimed its sold but is showing the original creditor and the sold company. They are reporting an active balance every month since XX/XX/XXXX making the payment history report a balance every month over the 180 days. Balance is XXXX ________________________________________________________ XXXX XXXX failed to invite me to the live auction. Failed to send me the bill of sale reporting every month by Experian as an active payment history closed XX/XX/XXXX I have no problems suing Experian and that is my next step if this is not removed.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (GA)

Second complaint : SafeRent Solution Operating has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent Solutions. 

Safe rent made XXXX unsolicited attempts to reach me by phone. I was unavailable both times. I returned their call at XXXX and asked for the woman who left the mvm message XXXX and was told that she does not work there. That I had the wrong number. Furthermore, It is not MY responsibility to VERIFY THEIR ERRORS. THAT RESPONSIBILITY FALLS ON THEIR SHOULDERS. They did not need to speak to me by phone when they blindly compiled this bogus report, therefore they do not need to speak with me by phone to fix it.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (NJ)

I have the Apple Card and my complaint is about the deceiving way their Daily Cash rewards system works. On XX/XX/XXXX I purchased an item for {$260.00} from a physical XXXX XXXX and returned the same item on XX/XX/XXXX and received a full refund. Since I had already paid the amount using my checking account, I requested that Apple refunds my checking account. They deducted {$7.00} from that amount, and provided no explanation other than it was a Daily Cash adjustment. My account, as viewed through the XXXX app on my XXXX, showed a XXXX balance before this purchase. I contacted customer service through chat twice and spoke to a supervisor on the second chat.