davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

In XX/XX/2018 I applied for a REFINANCE with my current mortgage company Freedom Mortgage.

However during the negotiation of terms and loan structure for the refinance, we, my wife and I did not agree with them and TERMINATED the process.

In XX/XX/XXXX, at the end of XX/XX/XXXX we received a STATEMENT OF CREDIT DENIAL letter from Freedom Mtg.

We did not complete the agreement for the Refinance, yet we were denied credit that we didn't apply for or agree to be considered for.

How is it that we didn't not finish this loan process and was denied before for we knew who we were asking or applying to for this refinance loan.

We were ask to submit all documents and we reviewed all documents and answered questions regarding documents and submitted explanations and answers for documents in question. 

IT WAS ONLY A NEGOTIATION AND A LOAN STRUCTURE IN ORDER TO GET APPROVED. WE STOP THE PROCESS AND FREEDOM MORTGAGE SUBMITTED OUR DOCUMENTS ANYWAY. WITHOUT OUR PERMISSION.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I called Navy Federal Credit Union to inquire about the Servicemember Civil Relief Act and eligibility of spouses of current XXXX XXXX members. I was advised by the representative that I was eligible for the benefits and that my husband did not have to be on my bank or credit card account with them. On XX/XX/XXXX I received a call from Navy Federal advising me I was denied since my husband was not on my account. I was deceived by the company, which under the Dodd-Frank Act is unlawful. Navy Federal refuses to investigate the information I was originally provided and reconsider the decision made regarding the SCRA benefits.
Consumer complaint received 2018-03-09
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 (MD)

I want to file a complaint against Paypal. I know there are many as I've been reading the message boards of peoples experiences. They have over {$700.00} XXXX XXXX XXXX of my money and they say they have decided to " part company ''. They say they will hold my money for half a YEAR ( 180 days ) then give it back???? What the heck is that? They give no reason for this decision. I think they do this to people and then use their money for investments. They probably have a sister company making loans using the money they are holding and they need to go to jail. I have been selling on ebay since only XX/XX/XXXX, and have made over 2000, and have made transfers to my checking account 3-4 times with no issues. Then suddenly on XXXX XXXX I have an account limitation, meaning money can come in from buyers, but I can't touch it??? Paypal asks for photo id so I find an old scan of my license on my comp and send it. They close my account. Then I look closely at my scan and it was an expired license with a previous address. So I can see why they would see a red flag. Problem is, they won't let me go to XXXX  and scan my current license ( I no longer own a scanner ) or take a pic with my phone ... ..it 's a done deal!! What? You see how they just want to keep people 's money!? The want to USE it. This has to stop. If there is a suspicion of fraud you have to give people a chance to show you they are who they say. Paypal just wants to bully people and use their funds for their own personal gain.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AL)

I have received a phone call from XXXX in regards to a debt owed to Citibank. Theystated they are a medication service. I have advised them i am working with a 3rd party on this matter and all of this information went into a judgement back in XX/XX/2014. I have requested supervisors, and never received a call back. Advised agents that I am already working on this and to stop the calls. I was advised that calls will continue because they dont have the documentation on their side. I have asked not to be contacted, and still receiving calls. This matter is being handled through XXXX XXXX  XXXX in XXXX, AL and my bank statements show payments are being made and are on time.
Consumer complaint received 2018-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Contacted Transunion through mail on XX/XX/XXXX, in reference to accounts with XXXX ( 6 ) for inaccurate info being reported and received from them verified / updated dated XX/XX/XXXX. I received in the mail on XX/XX/XXXX a response from them. In the letter I requested how their verification took place for these accounts. What physical evidence do they have from which they are verifying from? I received a report informing the info was updated. I did not receive the info requested. Ive included my ID and Social.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OUT TECH, INC. (NY)

I called the XXXX XXXX XXXX  XXXX XXXX OF ACCOUNT XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX on XX/XX/2018 and spoke to 3 different people. I had asked that if I paid the {$54.00} that was on my credit report would they agree to remove this debt from the report. I had asked for this in writing or via email. They told me repeatedly that they remove it as a curtesy and would not send me something in writing before I paid. They told me the only thing they would do was send me a receipt after I paid and told me the actual amount that was owed was {$88.00}. They told me that they can not report any debt under {$50.00}. When I asked again to see this in writing they told me that their calls are recorded and that would be my proof. I told them that doesn't give me anything because they are the ones with the recorded call.. not me.. I asked again to have the amount in writing and was denied. I thanked them for their help and hung up.. This doesn't seem legal or legit to me. I want this removed from my credit report ( s ). Thank You
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I paid for my credit report and it had incorrect information about who I work for, who I owe money to and several other issues. I had to send so many documents to Equifax to prove that I am who I state and letters showing what was listed incorrectly, that the postage for this envelope was almost {$10.00}. 

I never received a reply from Equifax. I did get credit reports from the other two credit agencies that simply showed that I dispute my credit report. 

How do I get someone on the phone and get the information corrected? 

Why do I have to pay to review my own report to see if Equifax made the corrections?
Consumer complaint received 2018-03-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I attended the XXXX XXXX XXXX XXXX in XXXX. I was lied to about what my income would be like and also I had no idea what I was signing when I took out my private loans from XXXX XXXX now Navient. I'm trying to get my private load payment to be reduced to an amount I can actually afford. I'm a XXXX XXXX XXXX single mom that has to live with her parents because I can't afford to be on my own due to these loans. My interest rate is a non fix rate which I didn't know that until recently. I was XXXX XXXX XXXX and the financial aid counselor at the school did not explain this to me. My payments fluctuate every month it's never just a set amount which makes it hard to budget. They are unwilling to work with me and accept the amount that I can actually afford.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CMRE Financial Services, Inc. (CA)

Dear CFPB, On XX/XX/XXXX I was hospitalized for a procedure at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX operation. My entire stay in the hospital was less than 2 hours and half hour of that was taken to fill out the paper work. The insurance company XXXX did not pay the hospital bill for the following reasons : On XX/XX/XXXX the XXXX XXXX XXXX XXXX wrote to me ( document in my possession ) : you are not responsible for all the related costs. 
My insurance company XXXX XXXX refused to pay the hospital bill ( see Exhibite A ) CMRE a collection agency bought my case from XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX received judgement against me to pay them about {$22000.00} ( the total hospital charge was {$14000.00} ). I lost the case because I was representing myself. On the same day I appealed the case and hired a lawyer with name XXXX XXXX XXXX to go to the appeal court in my absence, as I was out of the country. The lawyer missed the appeal court and I lost the case On XX/XX/XXXX, CMRE the collection agency started a motion against me to extend the judgment for 10 more years and claimed total of {$41000.00} including interests. Fortunately the judge discovered that they were wrong in their calculation as they were calculating % 10 interests on the combined judgement and interest which resulted about {$6000.00} over charge and the judgement was reduced the debt to {$35000.00}. This made me think that they have used the same wrong calculation for a lot more people ( this collection agency is a big company ). 

On XX/XX/XXXX My lawyer  XXXX XXXX wrote to them and made an offer of {$5000.00} for the settlement or he would go ahead and file suit againg the medical provider for fraud and negligence. 

CMRE has put a lien on my property. 

As my lawyer missed the appeal court I complained against him to the Bar Association and after 3 years Bar decided to suspend the lawyer license as there were 10 other cases against him. 

I would request that Consumer Financial Protection Bureau for a solution and/or a dialog with CMRE to come up with a settlement agreement so I will be able to pay base on my ability. 

EXHIBITE A There has been inconsistencies and excessive billing which raised questions about the validity of records provided by the hospital. 

The hospital in their appeal to the insurance company did not provide additional information insurance company requested to support the billed services. 

The type of XXXX  was XXXX but the XXXX  orders states that the type of XXXX is XXXX The history and physical states that the patient is currently on no XXXX. However the XXXX XXXX XXXX checklist and XXXX XXXX XXXX states that the patient presently takes XXXX, XXXX and XXXX.
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

CARRINGTON MORTGAGE is constantly changing my regular monthly payments one minute {$490.00} is due then its INFLATED to {$830.00} and on the internet only {$270.00} is due I pay {$640.00} and for the month of XXXX {$150.00} is due then I receive {$700.00} is due with a past due of {$150.00} how can {$150.00} be overdue when only {$270.00} was due and I paid WELL OVER {$270.00}? They never addressed my 1st complaint about lawyer fees that was added to my account AFTER we closed nothing in the contracts mentioned about attorney fees CARRINGTON MORTGAGE IS A TERRIBLE COMPANY I have NEVER SEEN A MORTGAGE COMPANY that constantly change payments for their customers CARRINGTON MORTGAGE COMPANY IS CURRENTLY UNDER INVESTIGATION WITH THE CFPB I BEG THAT THIS COMPLAINT BE ADDED TOO MY TRIAL PAYMENTS WERE NOT applied to the loan my escrow is only {$1900.00} from my math over {$3000.00} has gone to the escrow and they are still collecting My hard earned money is being EXTORTED BY CARRINGTON MORTGAGE XXXX
Consumer complaint received 2018-08-01
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: CITIBANK, N.A. (NY)

On XX/XX/2018 I was charged XXXX by XXXX I called Citibank to tell them that the charge was fraudulent and did not receive the product as it was described. I was told that I would receive conditional credit. However, I just received a letter from Citibank stating that that my conditional credit to my account is being rebilled and any related fees and interest charges will be added. I stated to Citibank that I did not receive the items and they were described and did not agree with the charge on my credit card. Now on a letter dated XX/XX/2018 my credit card is being rebilled. This is not fair to me the consumer when goods and services were not delivered.
Consumer complaint received 2018-08-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

I spoke with Navient XX/XX/2017 and they did not want to work with me on lowering the payments.

On the websites it has that if you have federal student loans your payments may be lowered however this is often not the case.

Also, they did not discuss any payment options with me. 

Navient interest rates are too high Navient does not give options to repay on loans
Consumer complaint received 2018-03-09
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: AMERICAN EXPRESS COMPANY (NV)

XXXX XXXX XXXX XXXX Purchase over the internet {$490.00} XXXX XXXX   XXXX XXXX XXXX XXXX. This was order on XX/XX/XXXX XXXX on American Express Card for total {$510.00}. Not unitl XX/XX/XXXX I received a mold of my teeth and storage box with a plastic guard /flipper. I contact the company XXXX XXXX XXXX told them to refund {$510.00} to my American Express as I had order a Dental Veneer. I was then told in an email - Hi XXXX, My technician has indicated that due to the positioning of your teeth, a Veneer wasn't the optimal product to address your needs. Only a Flexible Partial Denture was. 

I already own a partial, that's not what I order I explain and until this date XXXX XXXX XXXX XXXX   has refuse to refund the amount - XXXX is slandering my name I am causing a case of fraud. The email state they could not offer the product I requested. I ask if I need to return the mouth piece- I was then pitch to purchase a flexi partial denture, Which AGAIN I DO NOT WANT- JUST REFUND THE MONEY IF XXXX  CAN NOT PRODUCE the Merchandise I order. I'm not the simple Fraud - XXXX XXXX is the Advertiser that defraud customers! And American Express supports that action!
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

I am looking to be made whole, and have my {$35.00} overdraft fee returned, as no harm was done to Wells Fargo in my moving my personal funds from one acct to another. I have paid the {$35.00} fee for the XXXX payment, which as of XX/XX/2018 at XXXX did not show pending, but later posted and was backdated to XX/XX/2018. The acct transfer took place after XXXX on Friday, XX/XX/2018, with no pending transactions for XX/XX/2018 preventing the transfer of funds. I also immediately moved part of the money back. On Monday, XX/XX/2018, Wells Fargo emailed me and informed me that the acct was overdrawn and charged me the {$35.00} Fee. Spk w/XXXX, XXXX, and two add'l reps. Wells Fargo charged me a {$35.00} overdraft fee for moving {$600.00} from my personal checking account to my additional wells fargo checking. The transaction was done after midnight on XX/XX/2018, and also immediately moved back to the original checking account. Wells Fargo then charged me {$35.00} overdraft for my XXXX payment not clearing, which I paid, and an additional {$35.00} for moving my own {$600.00} from my checking to another of my checking accounts, which caused no harm to Wells Fargo. They are constantly imposing fees on consumers through backdating transactions, and not honoring the live available balances they show in the system.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I used a balance transfer offer that had to be posted by XX/XX/XXXX. I deposited it in my checking ( {$7100.00} ) ( XXXX XXXX ) XX/XX/XXXX. XXXX XXXX says Fifth Third was notified on Monday ( XX/XX/XXXX ) and Tuesday ( XX/XX/XXXX ) that the balance transfer check was deposited. Fifth Third acts like they received nothing. I feel it is their intention to stall it off till XX/XX/XXXX. At that time they could get out of the deal AND charge me {$240.00} transfer fee for a 21 % cash advance. The " customer service '' operator at Fifth Third said that sometimes it may take 2 weeks for confirmation. Ridiculous, it is not XX/XX/XXXX!!.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Consultants, Inc. (CA)

XXXX is reporting a {$410.00} unpaid debt to Diversified Consultants. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact XXXX. This a fraud account from XXXX for XXXX service at a Michigan address. I have been XXXX XXXX military since XXXX, and in XXXX I was stationed in California, so there is no way this account was mine. In XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX  removed it from my credit report in XXXX, but XXXX is still reporting it. I need this removed from my credit report.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Conn 's is reporting a closed account as open and 90 days past due when the loan has been closed since XX/XX/2018. I am disputing these past due reporting on my credit reports due to miscommunication with their reps in the store. After Hurricane Harvey I called over the phone to file an insurance claim and was told I had coverage and needed to visit a store. When I arrived at the store, I was told I didn't have insurance when in fact I did. The furniture was a total loss after the storm and I was a victim of a natural disaster. They later stated I did have insurance and paid the remainder of the loan with the insurance. I should not be responsible for late payments or past due reporting on my credit due to misinformed store personnel
Consumer complaint received 2018-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I received a refund from XXXX in the amount of {$12.00}. The refund had been credited to a Chase Bank account that had been closed. I contacted Chase and asked them why they would credit money to a closed account in the first place. I requested that funds be made available immediately and was told a check would me mailed out. I did not receive any check, and get no answers when contacting the bank. I have dealt with this kind of service from Chase Bank in the past, which is why I closed the account in the first place.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and EXPERIAN and XX/XX/XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XX/XX/XXXX and continue my education. Phone numbers that aren't mine ( 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 Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.