davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Balance transfer — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

This is a complaint against the CFPB. I filed a complaint with you over violations of the CARD Act of 2009 by Pentagon Federal Credit Union ( case no. XXXX ). Their entire response was only to claim they needed more time to " research '' the issue. A week later their " update '' was that they were still " researching '' : it. When I disputed that, your own response was simply to close my complaint. What kind of XXXX is this? Are you going to enforce the law or not? And if not, who do I need to contact in order to hold Penfed accountable? Or can they just get away indefinitely with violating federal law? You are a useless agency. Perhaps CFPB should be shut down. I think it is not unreasonable to expect some accountability from someone around here and so far I 'm not getting it. Is anyone there going to actually DO something about this or not? And do n't tell me to hire a lawyer. If I have to sue these people myself, then what exactly is your function?
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Account # : WASHOECTY XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/16. The credit report of XXXX/XXXX/16 shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

This is an ongoing problem where Wells fargo Violates the FDCPA and the FCRA This complaint is a continuation of the numerous complaints that i have filed that to date have went unanswered by Wells Fargo. 

Today Wells fargo after being informed by me on several occasions to to stop sending people to my home they send another person to my home again today demanding payment of my mortgage, This representative of wells fargo was screaming at my wife that we need to pay the mortgage to her right then and there. 

my neighbors were looking as to what was going on. 

The government needs to do something to enforce the laws put in place. 

I believe that Wells fargo is attempting to defraud the FHA insurance program by refusing to correct their inaccurate records
Consumer complaint received 2016-10-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

On XXXX XXXX, 2016, I submitted a home equity payment to a Charter One Bank Account that had been closed for 15 years. Realizing my mistake, I notified, on XXXX XXXX, Citizens Bank, who had purchased Charter One Bank, but they could not locate the check. I submitted all documentation they requested ( proof of electronic payment made and cashed from my XXXX checking account ). See Attachment. XXXX also issued a case number XXXX and contacted Citizens on my behalf. After hours of conversations with bank personnel, I endured a quagmire of misinformation and constantly found myself back to square one. Finally the check was found on XXXX. I was issued Citizen 's case number XXXX and told the check would be mailed out in three weeks. On XXXX XXXX, I was told the check was sent out and would be received in 3-5 days. The check did not come and after another call a manager, XXXX, told us the check would be sent out XXXX and to allow TWELVE DAYS for delivery. To this date I am not in receipt of any funds. This has been an aggravating and costly ( emotionally and financially ) experience involving either incredible incompetence or out and out lying. The bottom line is that a reputable institution would have immediately returned a check written to a defunct account in the name of a non-existent bank. Citizens Bank has had XXXX dollars for 50 days to this point and has not made a good faith effort to remedy the situation. Again, I have yet to receive reimbursement and all but one phone call was made by me to their institution. I think their shoddy, questionable banking practices warrant investigation.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I have tried for months to get Equifax to remove inaccurate and/or unauthorized hard inquiries off of my credit file. The XXXX inquiries are not mine and I want them removed immediately because they are negatively affecting my credit rating tremendously. I have an Identity theft case with FTC since last year. Please help me!
Consumer complaint received 2017-05-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ROC Asset Solutions, LLC (CA)

A third party debt collection agen cy ( AP I Recovery Solutions ) not only called me on my cell phone, but also my parents ' house and cell phones, threatening to take legal action if I did not contact them and pay this debt. Since it was for a payday loan (   XXXX   ) I had defaulted on a long time ago, I thought it might be real. I asked for a detailed letter of the debt and to take my parents off their calling list. I received an email with an attached letter from them on  XXXX / XXXX / 2017 . It had my maiden name on the letter, not my current legal name. And, I had set up a payment arrangement with them to auto charge my debit card on the  XX/XX/XXXX  and the  XX/XX/XXXX  of every month. It was supposed to be {$420.00} for the firs t 2  payments and then {$100.00} for the rest of the payments until the debt was paid off. To authorize my payment, I had to sign a document giving them permission, which I never did. They had charged my card {$420.00} on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . And, so far have charged my card {$100.00} on  XXXX / XXXX / 2017 , instead of just {$100.00}. They never sent me a schedule of payment. And, even after the fir st 2 pa yments came out, they called my Uncle and left a threatening voicemail.     I called the original debt company, and they told me they sold my debt to another company (  XXXX   XXXX  ), who informed me they sold the debt  to API.  Since I was a ble to trail API t o  XXXX , I thought the company was legit. However, charging my card with no signed authorization, charging my card a different amount than agreed, no payment schedule, and contacting my uncle after I had already set up an arrangement, made me suspicious.
Consumer complaint received 2016-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (NC)

I closed on my home loan with XXXX XXXX on XXXX XXXX, XXXX. My first mortgage payment was due XXXX XXXX, XXXX. In XX/XX/XXXX, I received a letter notifying me my loan had been sold to Dovenmuehle Mortgage. In XX/XX/XXXX, I got a letter from Dovenmuehle stating their records showed my insurance had lapsed. I checked my policy and it clearly showed I had coverage XX/XX/XXXX-XX/XX/XXXX and it was on my closing documents, which most certainly they should have. The letter stated they would buy home owners insurance and I would be responsible to pay for coverage for any period of time I was not covered. I did not respond at that time. I honestly thought it must just be a mistake. 
In XX/XX/XXXX, I got a second letter from Dovenmuehle dated XXXX XXXX saying " Final Notice '' \and I must provide proof of coverage or they will buy insurance and I will be charged for " any period during which the insurance they buy is in effect but I do not have insurance. '' So, I could see, they clearly do n't have their ducks in a row, so I 'd better get this straightened out. I went online XXXX XXXX to the site they listed in the letter ( XXXX ) AND mailed my Evidence of Insurance on XXXX XXXX. 
As they have been shown, my policy has been in place since the closing on XXXX XXXX, XXXX and will remain in effect until XXXX XXXX, XXXX. 
So, today, XX/XX/XXXX, I get a bill from Dovenmuehle for {$380.00} for the months of XXXX for the insurance they provided. And, they say it will come out of my escrow. I do n't think I even have that in escrow, PLUS, how can they ethically charge me for it when I had it all along?? And, I sent my EOI within 6 days of the date on the second notice!!! 

As a side note, I am also very unhappy XXXX XXXX could sell my loan without notifying me or giving me any option to opt out, right after closing to any company they chose to sell it to and I am the one stuck holding the bag with a terrible mortgage company. This is not the only issue I have had with Dovenmuehle. In the few short months they have owned my mortgage, I have run into additional customer service, payment, and administrative issues. I will likely have to refi with another mortgage company just to get away from this terrible company.
Consumer complaint received 2016-07-11
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates is averaging two calls a day to my home phone. They are always from different numbers so I am unable to block them. There is never anyone on the other end when I answer the calls so I have stopped answering them. 


I would like to stop this harassment. This debt is well passed the statute of limitations of four years in my state. ( Pennsylvania )
Consumer complaint received 2017-05-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Check Resolution Inc. (FL)

I received today  XXXX  a message from  XXXX   XXXX  from  NCR  he stated this is his second attempt to reach me in regards to documents if he does n't hear from me or my attorney he will come to my job  XXXX   (  which i have n't worked at in 2 years ) or find where I work at through the department of labor to have this matter handled at the property! I had till today to call him! I left a v.m to stop calling me and harassing me and I let them know I will be filing a complaint through the CFPB and the FTC because I believe this is the same company that stated I owed a online loan which I stated to them I didnt live in  XXXX  I ve moved to  XXXX  so now there threatening me to come to  XXXX  county.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I was informed this week that th e Office of the Consumer O mbudsman office has received my file for my short sale complaint wit h Ocwen t hat has been file d  XX/XX/XXXX  and will have a written response  XX/XX/XXXX .      XX/XX/XXXX  I w as sent an conditional short sale approva l by Ocwen an d for some reason everything fell apart. Even whe n Ocwen  had all the papers required by the home owner and a buyer. 11 months later am still being told by Ocwen is waiting on the lender of the loan. This was not the case when my agent  XXXX   XXXX  called Ocwen last month and was informed by an individual in the short sale department that the papers was never forward to the lender instead it was being reviewed by the underwriters of Ocwen.   Ocwen has been sending payments to my home I MUST PAY when I sent Ocwen a hard ship letter informing them I have fell on hard times and do not have the money required to keep the home.   Recently I have been getting multiple Notice o f Default and Election  to sell under deed of trust stating " you must pay all amounts in default at the time payments is made to stop the foreclosure '' I have attached the documents as stated in this statement for your eyes only.   The home has been vandalized and just to get it up in living conditions am looking at over  20  thousand in repairs, little over  9, 000 dol lars in late payments and behind on property taxes. All this Ocwen knows but they put the blame on the Lender when they have admitted they never passed on the documents to the  Lender.    Please help this is now the 11 month going on a year. Also am being informed by  XXXX   XXXX  that Ocwe n  is reporting me to the credit bureau 3 times a month for not paying the mortgage when I have been trying to get this short sale to go through.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

Navient is refusing to place me in an income driven payment plan due to that fact that I have not submitted a XXXX for a secondary job I had earlier in the year. However, I submitted a signed affidavit stating how much money I made and per the Student Loan Income-Driven Repayment Plan application, that kind of information is accepted as income verification. I followed the instructions completely. However, as the documents attached show, they are saying I have not provided income verification. They are attempting to place me in the standard repayment option. 
Additionally, this past XX/XX/XXXX I informed Navient that I was re-entering school and asked them to NOT place my loans in deferment, however they placed my loans in deferment anyway, and informed me that I would not be even able to enter into a payment plan for XXXX months after leaving the deferment. So I can not make qualified payments for a payment plan for loan forgiveness until XX/XX/XXXX now.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (NV)

I purchased internet service on an airline through Apple pay {$10.00}. I was not familiar with there process. The {$10.00} payment went unpaid for 2-3 months until I checked my credit report. I went from a perfect credit score to a poor credit score over a {$10.00} charge. I never receive any bill or phone notification that i had to link Apple pay with a credit card, nor did I have any reason to believe that Goldman Sachs was affiliated with Apple. Any bills or notifications from Goldman Sachs would have been discarded.

After numerous call to the credit bureaus and Apple/Goldman , I was told " sorry nothing we can do, you'll will have to suffer this black mark on your credit for the next seven years ''.

It has effected my choices in making further purchases and life changes.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX - I applied for a home mortgage at Bank of America, completed all the paperwork, and was told 'everything looks good by Sales Associate XXXX XXXX . 

XXXX XXXX - XXXX called to get my credit card number to charge {$470.00} for an appraisal. 

XXXX XXXX - XXXX called and told me the underwriter denied my loan because he 'did not FEEL ' my situation merited a short sale. ' ( Note : I was applying for a morgtage, not a short sale ). There was no further explanation. XXXX was very terse, not his usual business voice. I was too stunned to ask any questions, so I hung up. 

XXXX XXXX - I Faxed a letter of appeal to XXXX XXXX, Vice President and Sales Manager, asking for, among other things, an objective explanation in writing for the denial. He emailed me that he would send it to the manager of UW ( underwriter? ) department. 

On XXXX XXXX - I emailed XXXX to ask when would I receive my refund of {$470.00} for the property appraisal since the loan was denied and the property was not appraised. He emailed he would take care of it. 

XXXX XXXX - I called XXXX to find out who I should call to find the status of my Appeal Letter. I got his voice mail advising callers to call his associate, XXXX XXXX. I called XXXX and he said the files show my loan as PENDING, not denied. He said the underwriter was waiting for additional documents. I told XXXX I had emailed the said docs to XXXX on XXXX XXXX but would resend them. XXXX said I should hear something by Tuesday, XXXX XXXX. 

XXXX XXXX - Called XXXX and left a message ; Called XXXX and again asked status of loan/appeal. He said the loan had been CANCELLED and the underwriter said I had garnishments, foreclosures, bankruptcies late payments, etc. 

I had a short sale 2 1/2 years ago and XXXX XXXX discharged the loan because of a medical hardship. XXXX knew this at the beginning and thought it might be acceptable to the underwriter. In fact, he indicated a former underwriter in his department looked over my docs and thought my issues " merited a short sale, that things looked good. '' I have NEVER had a foreclosure, late payments, etc. If that was the case why did XXXX accept my application in the first place? 
I told XXXX that was absolutely NOT TRUE and if that was the case, why was n't that information on my credit report and how could I have a credit score of XXXX. He said he did not know, he was just the messenger and he would have XXXX call me.
Consumer complaint received 2016-08-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (KY)

Around XXXX XXXX, I discovered that a debt was listed under my name in XXXX XXXX for a debt incurred in XX/XX/XXXX or XX/XX/XXXX by Midwest Recovery Systems. I called my health insurance and we called collection agency and was promised to have the bill sent to me. No bill ever was received. I contact the hospital where debt was incurred and found I have never been treated or responsible for any health care. This is a XXXX fee of a non existence business.
Consumer complaint received 2016-07-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

I have been making my monthly mortgage payments on time every month. This was done until XXXX of 2016 when I had to get XXXX tires and have some front end work done on the vehicle. Just one week later my vehicle was hit and I had XXXX witnesses. The next day I was informed by my insurance the car was totaled. I was given just 3 weeks with a free rental car. Now I have to walk. In the mean time I am showing that XXXX XXXX at Wells Fargo ( XXXX ) will not make a payment out of the money in unapplied funds. Currently there is {$2100.00}. This is confusing to me as when I made a payment of {$1500.00} earlier a payment was deducted and the remaining money went to unapplied funds. Once XXXX got involved the money sent in was put as unapplied funds. This means more interest to me and she is messing up my payment schedule for the credit bureau. Not fair. 
To me all was fine until she got involved. To me she should not have gotten involved.
Consumer complaint received 2016-06-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Reference Case number : XXXX And-See attached bank information form Bank of America letter and Bank of America website. ON XXXX XXXX, 2016 I received a letter form the bank ( attached ) dated XXXX/XXXX/16 that indicated my request for home mortgage assistance is " not being reviewed because we did not received the requested documents? PROBLEM the bank has not communicated or provided a request for documents. the specifics of requested and required documents has not been made to me by the bank. Further as indicated on the bank 's website the bank should have sent me a financial information packet to complete ( see attached ). The referred to packet, needed for my request for assistance to proceed has not been provided to me. I have contacted the bank 's customer service dept as well as bank representatives XXXX XXXX and XXXX XXXX, and a bank advocate ( see attached ). In the meantime the bank as determined they will transfer service of my loan on XXXX XXXX, 2016. In my communications with CFPB, Bank of America customer service and the bank 's advocate XXXX XXXX XXXX x XXXX ) it is imperative that my request for assistance be submitted and process prior to this transfer. By phone with bank representative XXXX I expressed the same. In the meantime days are passing and I do not have communications or paperwork from the bank needed to process my request for assistance.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
XXXX. Account open in XXXX/XXXX/XXXX however history is incomplete and missing payment history in XXXX, all of XXXX, all of XXXX, all of XXXX