davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I have asked this third party company to validate this debt several times and I also asked for. a purchase agreement to be included in the validation process also an they refuse to validate the debt and I also sent a letter requesting arbitration also andth ey received it on XX/XX/XXXX and I have yet to hear anything from them and every time I call I get talked to very disrespectful and so unprofessiona I never gave XXXX my permission to share my personal in formation with anyone else I never signed a letter or gave my oral consent to share my information to an one else 15usc 1681 section 602 that I have the right to privacy and my privacy has been clearly violated by the unauthorized sharing of my personal information with a third party company that I have no knowledge of and that I don't have an account or ever done bussineees with
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

This is a resubmission of XXXX XXXX The issues raised have NEVER been resolved by Chase Credit card service They do not respond or provide any resolution of the issues stated previously to the CFPB The CEO was contacted several times including XX/XX/XXXX ( letter attached ) *************************************************************************************************** XX/XX/XXXX via fax XXXX XXXX XXXX XXXX XXXX XXXX, CEO : PERSONAL AND CONFIDENTIAL Chase Credit card services XXXX XXXX, CEO : After almost 3 months/days have elapsed, I have not received a reply from anyone acting on behalf of your office to my XX/XX/XXXX letter/fax to your office, or XX/XX/XXXX follow-up request, ESPECIALLY, reply to any of the recurring lack of specifics on issues reported therein ( and commencing with approximately XXXX similar not-descript letters commencing in XXXX of XXXX o ( as documented throughout prior communications. ) I know you closed the XXXX credit card in the name of my spouse, blaming me, BUT, MANY issues raised WERE REGARDING communication for your division about MY CREDIT CARDS that initially were presented via the Chase messaging system personnel, And, in turn, the apparent lack of detail coming from them to your unit AND, subsequently the totally vague lack of details sent to me by your unit. ( as documented since XXXX of XXXX ). 

This appears to be a convenient means to avoid addressing the issues raised by me throughout communications, AND, a display of a lack of integrity and professionalism from a major bank ( and to a retired Chase bank officer ). 

Maybe, your office might deem it appropriate for someone to directly address the issues, Again, maybe not for me, BUT, for other Chase customers requesting assistance using the Chase messaging system/credit card units o the vague lack of detail letter issues could not be isolated only to me. 

A prompt response is requested. 

( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX cc : OCC XXXX XXXX
Consumer complaint received 2023-11-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo sent out a check for XXXX for repayment from fraudulent bank activities or whatever the reason. XX/XX/23 I had to send in all the paperwork as far as death certificates, wills, affidavits and whatever else they asked me to send in. Being a XXXX XXXX I like to call in to make sure all of my documents are right and that they were received and uploaded. I did that several times in the first week, only to be told all those times yes we have everything. Then just checking in again for safe measures I was told XXXX paper did not come through. Go back to fax that and they said my time frame of XXXX business days for the reissue had to start over! Then I wait all that time to get a reissue with the wrong name spelling. So now on XX/XX/23 Im told that I have to wait another XXXX business days for them to correct their mistake and Im on the verge of losing everything and a XXXX that is still down.
Consumer complaint received 2016-08-29
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIRST HORIZON BANK (AZ)

I call up to make a payment usually day before or the day of. They refuse to take my payment from me. They call me back the day after ( so its now late ) and tell me to pay the late fee. as I refuse to pay it, they then proceed to call me while im at work at least XXXX to 15 times per day until I pay it. I have gave this company so much money in late fees because they refuse to take my payment early. I am then harassed every day until the payment is made and then made to pay a late fee. This is not right and is unacceptable
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (SC)

I am writing this complaint against Mr. Cooper, a mortgage servicing company, regarding a serious and unresolved issue with the transfer of my mortgage from XXXX XXXX. 

On XX/XX/2023, I received notification that my mortgage had been sold to Mr. Cooper. Despite this transfer, I had already made the XXXX payment to XXXX XXXX. Recognizing the potential issue, I promptly contacted both XXXX XXXX and Mr. Cooper on XX/XX/2023, seeking clarification and assurance that my payment would be correctly posted to Mr. Cooper. 

Assurances were given by representatives from both companies that the payment would be properly transferred and posted to my new account with Mr. Cooper. Regrettably, it has now been over a month since my initial contact, and the issue remains unresolved. 

I have made numerous attempts to rectify the situation, including sending multiple emails seeking verification of my payment, engaging in online chat sessions with Mr. Cooper representatives, and making multiple calls to Mr. Cooper 's Customer Service. Unfortunately, my efforts have been met with frustration, and the issue persists. 

What exacerbates this situation is that I am now unable to make my XXXX mortgage payment to Mr. Cooper due to the lingering problem. My online profile indicates that the XXXX payment is still due, preventing me from proceeding with the necessary XXXX payment. This situation is causing significant stress and concern as it puts my account in jeopardy of incurring late fees and negatively impacting my credit. 

Compounding the problem is the conflicting information I have received from Mr. Cooper. I have been sent multiple communications with differing dates regarding the mortgage transfer, and Mr. Cooper representatives continue to place blame on XXXX XXXX for the issue. However, it has been over a month since the problem was brought to their attention, and it remains unaddressed. I have also received multiple pieces of mail with the incorrect amount of my mortgage ( not showing the rate buy down ), and the current amount due showing for XXXX is incorrect. I have received multiple pieces of mail with conflicting information and transfer dates. 

I believe I have been patient and cooperative in seeking a resolution to this matter. It is disheartening that despite my persistent efforts, Mr. Cooper has failed to correct the issue or provide me with a clear and satisfactory explanation. 

I am filing this complaint in the hope that your intervention will prompt Mr. Cooper to promptly resolve this matter, ensuring that my XXXX payment is accurately posted, and the impediment to making my XXXX payment is removed. I am also seeking assurance that my credit report will not be adversely affected due to the delay in resolving this issue. 

Thank you for your attention to this matter, and I appreciate your assistance in bringing this issue to a swift and satisfactory resolution.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/23, I tried to open an additional checking account with JP Morgan Chase as I was trying to set things up so when my fianc and I go into the branch, it would be easier since the accounts would be open. I got an email saying they were reviewing the account. The next day, I got a rejection email followed by several emails saying that many of my automatize expenses were no longer tied to my account. Also, I was locked out of accessing my accounts online. I called Chase and they hung on me so I went into the branch and the VP of the branch was able to assist and open everything. As I was leaving, I received an email stating my new checking account was created and I could deposit funds into it. I move XXXX dollars in it and did nothing else. On XX/XX/23, in the late morning, I tired to log on through the app and I got the same error message about how my account was locked. They claim it was due to " Unusual activity. '' I went into the branch immediately and was there for 3.5 hours. They told me they had no info other then JP Morgan Chase was closing my checking account and saving account but not my investment account with them. I asked why and they would not tell me. I told them I want my money and I had to fight to drain my accounts. They were trying to deny giving my money to me. I asked for my money from my investment account and they gave me a number to call. When I called the number, I was told They could not do anything. I ended up having to figure out how to pull my money from an outside bank since they refused to give me my money. They kept telling me to move it myself through the app which they restricted me from. So instead of spending the day after XXXX with family, I had to spend all afternoon dealing with this. This has costs me tons of stress, has costs me money, and costs me massive headaches for reasons they refuse to share with me. I was told I would receive the reason in the mail. The letter came and says there seems to be fraudulent activity and call a number to help keep my funds secure.. It is the number that would not tell me what's going on from the beginning and refused to give me my money when I asked for it. What a joke. Chase is the fraudulent activity in this situation and I want answers.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am not liable and refuse to pay this debt with XXXX, I have no contract with XXXX XXXX XXXX  in regards to account XXXX XXXXXXXX. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: MUTUAL OF OMAHA MORTGAGE, LLC (TX)

Mortgage company not taking responsibility for late charges from taxing authority. Blaming me saying that I didnt provide the tax bill to pay it. However, they did pay half of the taxes on time, but their excuse for not paying the remainder of the taxes is because my taxes were a UDI 50/50 split with my mother and I. On there end, they dropped the ball because this fact is irrelevant because the tax bills are under the same parcel number. On XX/XX/XXXX, their agent told me initially that they took responsibility for the late fees and that they were going to adjust my escrow account to reflect this. Of course after several follow up calls from me, theyve given me several different stories to cover their mistake to justify not reimbursing my escrow account. My last two phone calls on XX/XX/XXXX & XXXX have resulted in them hanging up on me after I mentioned that I was going to file a formal complaint if they didnt adjust my account. At one point, they even said that the taxing authority wouldnt accept the payment from them and they sent me a letter telling me that. Besides the absurdity of that, they never produced the letter that they said they sent when I requested it. Ive gotten at least 5 different stories from 5 different people. When I asked to speak with someone in the escrow department, theyve basically said that that was impossible because they dont take calls. Ive only had access to customer service which of course knows nothing when I call which forces me to start from square one each time. This is just the tip of the iceberg, but Ill end with this summary from the sake of expediting this complaint
Consumer complaint received 2018-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Skopos Financial, LLC (FL)

I was sold a car by XXXX XXXX XXXX in XX/XX/2018, that has increased in mechanical issues since the date of purchase, The Salesman XXXX was already aware of a heat issue prior to purchase and was suppose to fix the issue the Saturday after purchase, when I arrived they acted as if they were unaware of why I was there, then gave me a number and address to a mechanic who didn't speak english, and kept my car for 4 days without any work getting done, only returning the car because I was getting impatient, and could care less the inconvenience it caused me, there was some minor damage done to my car while it was in the mechanic possession, in which they denied, because I brought the car to them and, they took it to the mechanic, I will not go back there after the last experience I had with them, It took them over a month to give me my tag and title, which was not included in my down payment, and I was unaware, and they withheld it until I had the money to pay for it. The car was less than {$14000.00} used but, I will be paying back over 35,000 over the course of the 6 yr loan, I understand interest rates but, it should never be the same cost of the purchase, and then some. This loan company has never even sent me a payment coupon or even a welcome letter, I have not received anything with my account number on it
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am submitting this CFPB complaint for the second time to follow up the addressing of specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or have been involved in, regarding the aquiring of goods, money, or services. I am requesting that Transunion and XXXX credit bureaus will remove and block these specific remaining inquiries as a result of the alleged identity theft. TRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attached to this complaint you will see my FTC Identity Theft complaint report in relation to these fraudluent inquiries, Names and Addresses. The following address is in error 1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX. The following name is also in error 1. XXXX XXXX XXXX. With the amount of identity theft going on around these Holiday times, I am afraid that someone can misuse my identity once again. Please I urge you to remove these names, addresses, and fraudulent accounts at once. Once more I am not familiar with these fraudlulent inquiries, also have reservations about the accuracy of the information provided in some of them. It should definitely be noted that certain inquiries have already been deleted by other bureaus like XXXX, raising concerns about their reporting history in accordance with FCRA section 605B. I would like to thank the CFPB for assisting me in the matters in this complaint to assure that my rights are not being violated as a consumer. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX SSN : XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (OH)

Capio Partners Company balance XXXX balance XXXX original company XXXX XXXX XX/XX/2020 Date started This company is damaging all 3 of my credit reporting such as XXXX, XXXX, and XXXX. They are reporting inaccuracy information and updating dates to make it seem like this is an current account i tried calling them to get detailed copies of the debt and and they are rude, nasty and all they want is the money and hard to work with and i ask them to cease and decease and they continue to harass me. This is also being added duplicate times on my credit report and they still wont send out information so this matter can get handled it cause me to get denied for housing and jobs and any other credit that i have applied for. they also violated my HIPAA laws and rights. They also violated the fair reporting act, they violated the fair debt collections practices act, and defamation of character.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Hello, my scheduled payment for XXXX was scheduled like every other month and come XX/XX/XXXX I personally realized that the money never came out of my account. I personally called new Rez to try to figure out why the money was still in the account and they still showed it pending on their end. No issues. Come XX/XX/XXXX I called again as money was still in checking account and that's when they said it looks like the payment got rejected I immediately said there's no reason for that please try it again the money is there And they took the payment and everything went through fine. I've been personally reached out to new rez via email as you can't speak to anyone via phone regarding credit reporting, providing documentation from my bank account showing the money was there and there was no reason for the payment to be rejected. Neither XXXX or XXXX charged me any NSF fees because there was technically money there But I begged and pleaded them to not report this to my credit report as it's always hard to get it removed and let 's be proactive and not make this an issue and here we are it got reported. I provided them big statement showing money was there I provided everything that I could think possible to prove to them that I was the one that initiated the payment and followed up on the payment being processed and had I not of done that nobody would have notified me I wish I would have known prior to XX/XX/XXXX because I would have re-issued the payment then The only reason it got re-issued after the fact is because I again caught the error on their end now they're trying to tell me it was rejected by the bank I understand their obligation to report negative credit but though this is not the scenario the money was there I have always made my payment on time there is no reason for this to be a late payment as I immediately told them to retake it and they got their money I asked for them to immediately reverse the negative reporting on my credit report because they got their money when I told them to retake it and they got there they should've got their money timely in XXXX if there wasn't an error on rejection through all this automated nonsense and you're not able to talk to anybody about it. 
Had I been able to talk to somebody about it at the end of XXXX there would never have been an issue Please remove the negative credit reporting. Per the attached the money shows it was taken out and no NSF was charged therefore they know this was made timely and it was an error. Not by me
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NPAS, Inc. (VA)

Between XXXX -called in in response to a letter received requesting supporting documents via mail, per the letter this was considered a dispute and the collector should be collecting in the mean time until they provide what is being requested. 
-early- mid XXXX called in to check on the status of the requested information and was told it was mailed out XXXX received a bill instructing me to pay {$25.00}, I told the last agent that when I started making payments, once the debt was verified providing what I requested I could afford that much but wasnt going to pay until I received what I requested. 
XXXXcalled and left a message to find out again where the requested proof was XXXX-called around XXXX XXXX XXXX in response to a voicemail returning my message from XX/XX/XXXX and got a rude agent who tried to collect the debt that shouldnt be collected on until they provide what I need, agent also blowed in the phone and told me to chill out while I was trying to explain and told me the agent that I needed to speak with was on another call and shed call me when she was done XXXX-called around XXXX XXXX XXXX to reach the agent that was unavailable on XX/XX/XXXX and got a rude agent who talked over me and tried to collect the debt that shouldnt be collected on until they provide what I requested This as honestly been a complete nightmare and although they are debt collectors I have been trying to reach a reasonable solution only to get rude agents and no information. This is unfair and is against the law. I have the right to dispute the debt and request support and theyve failed to provide it and my HIPAA rights have been violated by the hospital.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (GA)

Ive been trying to pay my mortgage online and by phone, which is due XX/XX/XXXX. The loan servicer experienced a cyber security incident, which I found out about through XXXX and a XXXX article. The servicers toll free number has a message indicating their agents have no access to accounts, and there is no option to make a payment. Their website is inaccessible. At this time, the loan servicer has not sent any communication regarding this incident or when it will be resolved, and has not provided an alternate way to make payments.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION (MD)

I have a ratified sales contract to sell my property on XX/XX/XXXX. However, the property is scheduled for sale on XX/XX/XXXX. The ratified purchase contract was provided to SN Servicing Corp and their counsel XXXX, XXXX, XXXX XXXX XXXX XXXX. It was advised that I didn't have the right to sell my property. I am the owner of the record and currently being foreclosed on, so I don't understand how I am not the owner. Please help me save my property.