davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

Back in XXXX 2015, we were calling PHH Mortgage XXXX, asking for a Payoff amount on the home. Finally, in XXXX 2015, we sent an email asking, PHH Mortgage services in XXXX, NJ. to give us a pay off balance on the mortgage. In the email they gave a payoff amount as of XXXX XXXX, 2015 in the amount of {$61000.00}. I went to the Credit Union and got a Cashiers Check in that amount. I sent the cashiers check Certified mail. Through tracking I received the information that they received the check and someone at PHH Mortgage signed for it. Then in XXXX 2015, we get a notice that we are in default of the loan for two months. We contacted them and they told us, they lost the Cashiers check, they wanted us to stop payment on the one they lost and reissue them a new check. It states right on the check, " NO Stop Payment Permitted ''. So, they then said, they would get back to us. They never responded then to us. Since, XXXX we 'd been trying to Contact them, to no avail. No one would pick up or return our calls. I also, sent a check, check # XXXX in the amount of {$120.00}, since thats what was owed yet, cause they did n't receive the payoff until XXXX XXXX, 2015. With that payment, I sent a copy of the Cashiers Check stub. 
On, XXXX XXXX 2015, we receive a Certified letter stating we were in default of the mortgage, saying we were 4 months behind and owed {$3600.00}. plus interest, and they were going to begin foreclosure proceedings on the house if we do n't summit payment, within 30 days. 
I have all the paper work proving that we had sent the payoff in XXXX of the amount in the email, {$61000.00}, plus the {$120.00} and that they received it. 
I spoke to my bank about reissuing another check. The bank said, they could, but PHH mortgage needs to sign and notarize an Addendum Form, stating they lost the check. 
When speaking to PHH mortgage they sounded reluctant to fill out the form. With their track record, I do not trust or believe they will follow through with the Addendum and will continue to foreclose on the house. When I called on, XXXX XXXX, 2015, the man I spoke to in collections, was not only rude, but kept telling me my account was sent to him cause I refused to pay my mortgage. I explained this was incorrect because I had already paid off the mortgage and am not in default as they claim. He then spouted that I needed to speak with someone in customer service, cut me off and transferred me to them. In the Past Customer Service, claimed it was not their problem that they lost the check.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (AL)

About a week ago, I received a letter in the mail stating that I owe {$560.00} to XXXX from a collection agency by the name of Convergent. A year ago I had the same situation with a different agency stating the same thing and found out my mother had used my social security under false pretenses, and they got into contact with her and she did pay off the debt. The company did call me back to report this and now this company claims that it was not paid. I believe this to be a scam, as they are stating on the letter that they will settle for XXXX on the letter, but will need {$450.00} to be paid in full. Their is also to addresses on the letter, XXXX from XXXX, XXXX XXXX and then a P.O. box of XXXX, XXXX XXXX. I am a XXXX of XXXX and this is causing me emotional distress, since this was settle last year and the account was shut down and they have complete access to her. Please contact me as soon as possible.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Billing statement — 
Company: Army and Air Force Exchange Service (NJ)

I have my account setup on auto-pay for the entire bill amount. I have several emails from the Exchange Credit Program going back many months saying my payment has posted without issues. I got a letter from them on XXXX XXXX XXXX claiming they had not received a payment in XXXX months and that my account was about to go into collections. After this I tried logging-in to their system to make a payment and was repeatedly told that my information was not in their system. Today, XXXX XXXX XXXX, a payment was made without my notification for the total amount of {$1200.00} owed. Although I had intended to pay the debt, I had not intended to pay the entire debt as this puts me in a financially precarious situation where I will be strained for the rest of the month, and likely the next month or two. 

I am complaining in the manner that this debt was handled, without my knowledge or consent. If their system could suddenly pay the debt, why could they not collect for the last two months? If their system could not collect the debt, why were they telling me that the payment posted? 

Thank you for your looking into this matter
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was reported for greater than 7 years ( XX/XX/XXXX ) for a NY State paid tax lien and Transition continues to report this despite the fact that the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years. I have disputed this with Transunion and the item remains on my credit. It was originally reported XX/XX/XXXX and it is now XX/XX/XXXX.
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (CA)

On XXXX XXXX, 2015 I was contacted by RushCard Member Services via email and was notified about changes that were to be made to the system in order to better the service beginning XXXX XXXX, 2015. This was supposed to occur between the hours of XXXX. A short time after XXXX I receive another email stating the changes to be made were taking longer than expected but they 'd have things up and running by XXXX. Closer to XXXX that afternoon ( XXXX XXXX, 2015 ) I try to check my balance on RushCard mobile and Rushcard online it was down. Unbeknownst to me the system was still not working. I then contacted RushCard Member Services and was assured the problem would be fixed with XXXX hours. I then refrained from using my card for the remainder of the day. Today ( XXXX XXXX, 2015 ) At this point I 'm in a panic because my direct deposit is supposed to go through.I try to put money on my bus card using the RushCard, it was declined causing me to panic. Once again, I call RushCard Member Services. After getting hung up on a few times and placed on hold nearly XXXX minutes, I was able to speak to a CSR who then told me there was nothing he could do to rectify the situation. I try to sign into my online account and am unable to do so as well. Today ( XXXX XXXX, 2015 ) I was able to to login to my mobile account but the balance says XXXX dollars. They took the money I did have and my direct deposit was supposed to go through XXXX. I still have no funds and had to call out of work today because I had no money for the bus. It 's going on day 3.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (CA)

My bank is Rush Card, as many of you know, Rush Card has experienced many issued these past two weeks, its been extreemly difficult to manage money in my account, i attempted to pay all of my bills not knowing that they may be returned, i just bought a new car and had to pay my car note and then find out i can not accesss my account! what a great way to start off with payments, i have direct deposit set up with a new bank and hopefully my job can expedite this so that everything gets taken care of before next pay day, i feel so bad for the XXXX people who like me cant get into their accounts, just sounds fushy, and i have never been with a bank who has held your money and not give you a valid reason where its gone ... My mom also has rush card and is missing hundreds of dollars and no one can tell her why or what has happened to the money, never EVER will i bank with Rush Card again! and unlike any bank they charge {$1.00} per EVERY SINGLE Transaction!!!!! no bank does that! do you know how much money we could be saving if each transaction was free ... .. like it 's supposed to be!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! RUSH CARD
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I decided to not pay another annual fee for a Bank of America Visa card. My expectation was the account would be closed. A month later I got a bill for my account which had been charged the annual fee. I did not knowingly ever agree to have the company automatically renew my account. I then called the company and was assured by customer service they would close the account and back out the charges. A month later I received another bill with a penalty included. I called again and was told they would close the account and back out all of the charges. A month later they continued to add penalties and did not close the account. I then sent them a letter with a return receipt by XXXX Mail. I detailed the above in this letter and told them to close the account and send me a final bill and I would pay that to just end this stupid experience. Instead they reported me to a credit reporting agency that I was now 120 days past due. 
I had not used this credit card for years. It was an emergency card.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

I am writing to demand the immediate removal of all fraud alerts, fraud notations, and any other related items associated with my credit profile. These alerts were either incorrectly applied or are no longer valid and must be removed from my credit report and profile immediately.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX  XXXX, account # XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )
Consumer complaint received 2015-08-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

I have a Checking and Saving with Navy Federal Credit Union and I happen to inquired about Bill Payments to for one Extremely important my Life Insurance XXXX the Bill Payment was setup on XXXX XXXX, 2015 to be paid on XXXX XXXX, 2015. The Confirmation Number XXXX of payment for Navy Federal Credit Union. Then I contact XXXX XXXX XXXX to confirm they received payment to Customer Service Representative informed that no they did not received payment. So I contact Navy Federal Credit Union to request them to trace and confirm payment they stated that the bill payment was set up on XXXX XXXX, 2015 and the check for {$77.00} mailed via United State Postal Indiana the nearest payment processing center. The Check Number is XXXX and XXXX said that he can not trace the check and not even verify proof of payment. Please investigate that Navy Federal Credit Union are following United States Federal Banking Regulation and that they are working within the Federal Banking and Federal Credit Union Regulation and they following Bill Payment Regulations. I have no way of verification or payment
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

US department of education loans were taken over by XXXX and now they both appear on my transunion credit report, and the US department of ed XXXX appears under collection from 2011 even though I have been making the regular payments. XXXX and XXXX are not showing this. It 's impossible to speak to any representatives at Transunion because their phone system does n't recognize when you dial your choices. I have started an investigation online.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Back in XX/XX/XXXX I lost my job and started applying for a HAMP modification with Wells Fargo. After months and months of supplying them with documentation I was told that I was not approved for a modification. As of recently I had seen that people were complaining about their applications being denied when they should have been approved and decided to research my HAMP application again from XX/XX/XXXX. Wells Fargo again told me I was denied a modification and that XXXX XXXX had denied me. Since I was not getting any answers working with Wells Fargo I decided to follow up with XXXX XXXX to find out why my modification was denied. Much to my surprise I was told that my applicatoin was actually approved for a modification to 4.625 % XX/XX/XXXX for 40 years and my new payment would have been {$1100.00} a month. They cancelled this modification base on an email from Wells Fargo XX/XX/XXXX instructing them to cancel this. When I brought this to the attention of Wells Fargo they stated that they did not tell me abou the modification because I was making my payments and therefore I could afford my mortgage so I was not entitled to a modification. My belief is that this goes against all principles of HAMP. Was n't the program put in place to make the mortgage payments more affordable? Why did Wells Fargo have the authority so hide my approval for a modification from me when this would have helped me out financailly. I was forced to refinance on my own and it cost me a great deal of money which I would not have had to spend if Wells Fargo informed me I was actually approved by XXXX XXXX for a modification. Also, if XXXX XXXX owns my mortgage and is the enforcer for Hamp how does Wells Fargo have the right to just decide to override what they say and not communicate with me their findings. In speaking with XXXX XXXX 's escalation team the also sent a complaint to Wells Fargo but Wells Fargo only states that I was making payments so they did not offer me the modification. How many others has Wells Fargo possibly affected by not disclosing to the customers that they were acatually approved for a modification. Wells Fargo continued to hide this from me even when I asked for reviews of my file. If they felt like they were justified in not offering me the modifcation why did they never communicate to me that I was approved by XXXX XXXX? Why did I have to dig this information up on my own. I truly feel like they know they did something wrong by not following the guidance of XXXX XXXX and offering me the modification but they do not want to adm it it.
Consumer complaint received 2015-11-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Greentree acquired my HAMP mortgage and I feel they are trying not to honor the agreement of my loan and possibly being deceptive. A couple of months ago, I originally asked about my {$1000.00} credit for each of the five years for making payments on time and they first appeared not aware of it. About two months later after this call, my XXXX bill pay XXXX payment they are stating was not received. I used XXXX to pay via online payments for previous Greentree payments with no problems. Only after I inquired about my {$1000.00} per year HAMP payments, XXXX of my payments suddenly was not received. The first notice I received about this missing payment was via mail on XXXX XXXX. I immediately called Greentree/Ditech and they stated they could not correct this problem and it would affect us getting the full {$1000.00} credit or to some portion. Greentree/Ditech states they have been calling my cell and an old number which I have not received any call on my cell or no message. I called XXXX and they have clear records that the payment was sent, but showing it has not been cashed. I really feel Greentree/Ditech may be deliberately not cashing that payment to save them the agreed {$1000.00} credit. It also appears they may have purchased this loan not realizing about this {$5000.00} credit for on time payments and none of it has been paid. I have never been late on any of my HAMP payments in the four years and Greentree/ Ditech even with offering XXXX records wo n't adjust for this. Not Fare or good customer service and possibly not legal.
Consumer complaint received 2015-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (TN)

We received a debt collection notice from Southwest Credit in the mail claiming they were collecting a debt for one of our creditors ( XXXX ). We do not owe a debt to XXXX and are always current with our bill. We also have a monthly automatic withdrawal set up with XXXX, so we know we are always current. We contacted XXXX and verified that we do not owe a debt and also that we have never been sent to collections.
Consumer complaint received 2017-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WI)

Hello. My account on PayPal has been placed on restriction. I have sent them the documents they asked for but responded that my account would remain restricted for 180 days at which I could than withdrawal my money. PayPal contacted me on XXXX XXXX 2017 and then again notified me after receiveing documents my account is still restricted for 180 days on XXXX XXXX 2017. The ammount they are holding and won't let me withdraw is $XXXX. I have sent emails to PayPal asking to handle this problem and after doing a lot of research have found reaching out to them is no help. So I now look for your help to help my buisness keep its good name and my customers receive there product. Thanks XXXX
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Back in XXXX my mortgage company fail to pay property taxes for my house, and on XXXX XXXX my town was going to sell my house on a public sell due to unpaid taxes. I contacted the bank immediately and the taxes were paid including any late fees and penalties, but the next year they adjusted my escrow account. It increased by about XXXX XXXX dollars for about twelve months. My mortgage was sold to my present mortgage company back in XXXX. I had an escrow with the other mortgage company that had the founds to paid for the taxes and insurance for the year XXXX. I had contacted the bank several times with the problem, and I had been told that they are going to investigate, but nothing. When they adjusted my mortgage in XXXX ; I went late on my payments, right now I am 1.5 months behind with a bunch of late fees and penalties on top of that. I know that the mortgage company owns me the money, they made me pay when they adjusted my escrow account in XXXX, because that money was paid in XXXX to the previous mortgage company. 
Please contact me with any questions and help me please.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MS)

I am requesting to file suit against Equifax, I am not sure what these people 's problems are however, the only way this will all be resolved as if it goes in front of a judge. Equifax, you have taken my XXXX XXXX credit card off of my credit report. You will not update the XXXX XXXX XXXX and XXXX XXXX as being paid in full. You will not take the Mortgage off of my credit report. At this time I think it is just best that this goes in front of a XXXX judge to be resolve. I will be filing suit in the morning. 
XXXX XXXX XXXX
Consumer complaint received 2017-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

Procollect Inc. contacted me in XXXX first time to collect a debt that I did not owe. I disputed it throughout credit bureau at that time. The same company tried to collect the same debt that I did not owe XXXX more time before today. And today I got a letter from the same company about the same debt that I did not owe ( XXXX/XXXX/XXXX ). 

The amount is {$360.00} and the creditor is XXXX XXXX XXXX. 
I want them not to contact me about the same debt that I did not owe any more.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.