davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I was selling an furniture through an online service ( XXXX ). A buyer contacted me claiming to be interested in purchasing the item. The buyer then sent payment through cashiers check ( for amount more than the asking price ) and asked me to money transfer the balance amount of {$950.00} through XXXX   money transfer and {$850.00} through Moneygram to pay for the transport guy which I did. The payment ( cashiers check ) turned out to be a fake, and Im out of money. I was able to cash the cashier 's check or see funds recorded in my account statement after two days of depositing the check but after a week to find out that the check has bounced. 
Can you please arrange refund of my money of {$1800.00} as I was a victim of online scam. Please see attached XXXX and Moneygram receipt for that I paid the buyer. 

Thank you,
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Shellpoint Partners, LLC (TX)

After I get divorced, the Court give the warranty deed of the house located XXXX XXXX, XXXX XXXX Texas zip code XXXX, after this my ex wife mist a lot of payments and get bankruptcy with out my knowledge, this is affecting my credit score, I need the lender remove this of my record because I am not responsible at this time for the payments.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have been using Venmo for over 3 years now. I have always used it to transfer money from friends and family. On XX/XX/XXXX, Venmo froze my account for no reason. This was after they allowed my sister-in-law to transfer me XXXX XXXX They froze my account and did not allow me to transfer money to my bank account which was desperately needed to pay bills. Now they can hold my money for 180 days, yet there is no explanation of what I did wrong or which rules I have broken. I searched online and found out that this happens to a lot of people. As of today, they have limited my sister-in-laws account as well. I don't know what kind of business practice this is but freezing my account and holding my money with no explanation, this can't be legal?
Consumer complaint received 2018-06-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (IN)

I have had a car loan with GM financial for approx. 4 years, but on my credit report they have large gaps showing no payments have been made. i have made late payments and have had agreements-signed in which payments where moved to the end of my lease in order to no report late payments. i have disputed this with the 3 credit reporting agencies but it has not changed. i understand GM financial has had issues with this and is even facing possible class action. i am demanding they correctly report all of my payments since XX/XX/XXXX and remove the negative entries of XX/XX/XXXX-XX/XX/XXXX-as i have been making my payments. they also need to report the correct balance.
Consumer complaint received 2021-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Reaching out requesting assistance as other means have failed. 
Currently a deployed XXXX XXXX XXXX officer. In XX/XX/XXXX, I refinanced my home in XXXX, va with Mr. Cooper Mortgage company ; loan # XXXX. Each month I utilize my banks auto pay for recurring bills and it has worked flawlessly. Beginning a year later, XX/XX/XXXX, Mr. Cooper began sending me a check in the amount of my mortgage and then later sending me a notice of late payment. Each month I speak with a company rep to clear up the matter to only have it recur a month later. Reps had told me to tear up the checks and they will have funds applied to my account. The was told to cash the checks to repay utilizing their website. After 5 months of this and escalating within the organizations it continues to happen and now received a notice that I ow 3 months mortgage payments. I reported to the XXXX XXXX XXXX  and this did not solve the issue. Now I received a letter stating I have requested 'relief under the Service Members Civil Relief Act ( SCRA ) ', which I HAVE NOT Late fees are being charged despite records of my on time payment and confirmed by my bank, of payment. I have received certified letters notifying me of default on loan. 
My role within the XXXX requires a security clearance and can become compromised due to financial problems. 
Summary, I have paid each mortgage payment on time with proof and each time Mr. Cooper fails to apply my payment to my loan.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/XXXX I sent, via certified mail, a debt validation letter to First Federal Credit Control requesting to validate the alleged debt of {$800.00}. The collection agency received the debt validation letter on XX/XX/XXXX and responded with a bill/statement/ invoice which I received on XX/XX/XXXX. I filed a compliant through the CFPB on XX/XX/XXXX stating that providing a bill and/ or statement is not sufficient documentation of the alleged debt and that it was only a form verification and not validation as requested. In return, the collection stated that " The verification of the debt was done correctly as provided under the FDCPA. '' The bill that was provided by the collection agency on XX/XX/XXXX is inaccurate. The bill provided has my mothers name listed under the patient information section of the bill which is a violation of HIPAA. Also in the insurance information section on the bill my mother is also listed as the primary insured person which is incorrect. My mother has not had medical insurance for almost 2 years and I have not been under my mothers insurance for over 4 years. The collection agency DID NOT verify  or validate the alleged debt correctly or accurately. All documentation provided is inaccurate data and violates HIPAA.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Avid Acceptance, LLC (GA)

The auto loan we have with avid acceptance has been in great standings from the first date of open. 
This month someone emailed me about the payment, I am still within my 10 days before it becomes late. 
I expressed to the representative that the car was being paid off and requested a 30 day payoff. 

This was their response. 
Thank you for getting back to me. The 30-day payoff amount is {$8400.00}, good until the XXXX of XXXX. While you are in the process of paying off the loan, we will still need the payment within the grace period ending Friday XX/XX/16. 

*I already explained my intentions. Several collection calls have been made since then. 

Then I got this email on XX/XX/16 Please reach out to me to discuss options for your account. If there is no communication, collection efforts will continue to escalate. The sooner we know what the issue is and what your intentions are, the sooner we can help. Contact me today to discuss options and deadlines. 

* I had already spoke with previous representative about my intentions so why am I being threatened with escalated collection efforts? 
I have never had missed payments on this loan. Yet I am being treated as if I am skipping out on my debt. 

My response was this. 
I have already explained to the first representative. The car is being paid off. There has yet to be a late fee on my account yet I'm being threatened with futher collection actions? The payoff will be paid within the next 30 days. Please make a note on my account so I do not continue to get threatening emails. I understand your " policy '' however this is the plan. 

* & this is what I received in return. 
I will notate this on your file, however, there will be a late fee assessed at end of business today. Until the payoff is received, you are still responsible for payments to be made on time. Accurate reporting and collection efforts will continue. 

*if I am in communication with the company about my intentions I do no feel it is right for escalated collections. This is not fair practice at all.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (DC)

XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX After one year, after two incidents of identity theft/fraud, unemployment, and a financial crisis, I was unable to maintain a excellent credit ratingwith XXXXXXXX XXXX XXXX. I informed XXXX XXXXXXXX XXXX and sent XXXXXXXX XXXX XXXX XXXXXXXX a letter in XXXX, XXXX and I received a response letter from XXXX on XX/XX/XXXX which was unacceptable. XXXXXXXX XXXX response to my letter to close my credit account had no regard to the identity theft/fraud which occurred on my account ( began XX/XX/XXXX ) after I had pre-scheduled payments to settle/payoff my XXXX credit card. 

More importantly, I have tried through numerous phone calls to Department Store XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX to pay-off/close the XXXX credit card account by requesting another settlement offer in lieu of the previous settlement offer that failed, no fault of my own. NO RESOLUTION. 

Further, I am a XXXX senior citizen on a fixed monthly income, I requested if XXXX would consider another settlement offer of less than the full balance, excluding interest and fees that had been charged to my credit card account. Listed below are the complaints I filed with the New York XXXX XXXX XXXX which has been unsuccessful in resolving this matter. I have not spoken with the New York XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX, Telephone : ( XXXX ) XXXX, XXXX since I filed the complaints. I have received these email correspondence from XXXX XXXX. I can forward/fax a copy of these emails separately ( provide me your email/fax number ) because I am not able to upload these emails as attachments to include in my complaint. 

Dates : Time : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Because of this exisiting delinquent XXXX credit account with no resolution to settle it, my excellent credit report ratings ( opening the account XXXX ) and Fica scores from all three bureaus XXXX, XXXX, and XXXX are extremely poor ... .continuous XXXX unfit for me to apply/receive future credit.
Consumer complaint received 2018-06-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

In XXXX, I took out a XXXX Tuition Answer Loan with Sallie Mae ( now Navient ) to help pay for my daughter 's college education. At the time she was attending XXXX XXXX XXXXXXXX University. The loan was disbursed on XX/XX/XXXX in the amount of XXXX. 
I did not have a clear understanding of the repayment options on this loan and the university apparently disbursed the monies to my daughter as she used part of the money to buy a car! A year later when my daughter was no longer attending college, I received notice that I would have to start repaying the loan. As I was under the impression that these loans would not mature until after she graduated 4 years later ( she actually NEVER graduated ) I was not in a position to start making the payments. When I called to discuss the potential of an easier repayment schedule I was advised that a deferment was my only option. I had the loan deferred several times from early XXXX off and on through early XXXX. From XX/XX/XXXX through XX/XX/XXXX, Sallie Mae added XXXX in capitalized interest to the principal balance of the loan. It was never explained to me that this would happen while the loan was in forbearance. Over the next 10 years, I made regular payments. To date, 118 full payments to be exact. The statements from Navient always show different ways of applying the payments to principal and interest with no rhyme, reason or explanation. To date, my balance remains at XXXX. How can this possibly be? I have paid XXXX to Navient to date and that means that in over 10 years of making payments only XXXX was applied to the principal balance and XXXX has been INTEREST ONLY!!!! 
According to my statements, I will be making payments until XXXX on this loan before it is paid off. I believe that I am being stolen from- this has to be fraudulent practice and I would like to know how I can proceed with getting this abomination discharged. I understand there is a class action lawsuit against Navient for these unfair, unexplained practices. Please advise how I can get help getting this loan discharged.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, experian, XXXX and XXXX.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX we received a letter from Wells Fargo Mortgage Company stating we could take advantage of the " disaster relief program '' because our county XXXX had many fires. We jumped on the program because they said we didn't have to pay our mortgage for 3 months and then we could resume payments. I made payments on XX/XX/XXXX and have made regular payments ever since. In the meantime, they have sent us weekly foreclosure letters stating we were behind in our payments. They also took the liberty and paid our taxes and home insurance. After six months they sent us a loan assumption with a large mortgage payment and a 40 year mortgage. This is not what they said they would do! We denied it per a telephone conversation and we were told we could just keep paying our mortgage. Today I received a bank statement with 2 options. We could pay the $ XXXX  immediately and make new mortgage payments of {$2300.00} ( our original payments were {$1700.00} ) or we would have to start paying {$3200.00} per month. We never told them to pay our taxes, we never told them to pay our home insurance. This feels like a scam. We don't know where to turn. Last month we paid back 2 out of the 3 payments we owed and paid our current mortgage payment. We have paid on this loan for 5 years and only owe $ XXXX. Our home is worth $ XXXX. I think they are trying to take our home away from us. I have a stack of letters from Wells Fargo, too many to send.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (NJ)

Receivable Performance management ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, Washington Zip : XXXX Phone # : XXXX They reported a derogatory remarks to the credit bureau and damaged my 10 yrs clean credit records based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication and based on the failed communications. This debt collection agency did not try to reach out to me in enough means before damaging my credit history. 

I would like to pay off the balance ( {$60.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. 
I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. 

Thanks, XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have wrote a letter to XXXX, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XX/XX/2018 Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off my credit report.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

On XX/XX/XXXX, I called my loan servicer Edfinancial Services, to request a refund of specific loan payments made during the payment pause/COVID forbearance period since XX/XX/XXXX. I paid my graduate school loans in full earlier this year before Biden announced the Loan Forgiveness Plan, which I would be eligible for up to {$20000.00} in debt relief based on receiving a Pell Grant for college and my income is below the threshold. I requested the refund of specific payments so that {$20000.00} of debt could be reinstated to my Edfinancial account and then I can apply for Forgiveness in early XXXX. 

During my call on XX/XX/XXXX, I was told by the representative that my account balance will be updated to reflect the total of the specific loan payments ( {$20000.00} ) in a few business days and the refund to my account will take up to 150 business days. As of XX/XX/XXXX, my account balance has not been updated like I was told. 

On XX/XX/XXXX, I called my loan service Edfinancial Services again to get more information about updating my account balance to {$20000.00} and to check on my refund status. I was then told conflicting information by a second representative that the refund has to be processed first before the account balance is updated. They could not give me any accurate information on the timeline of when the refund would be processed. 

The first representative from XX/XX/XXXX confirmed that my account balance would update to {$20000.00} in a few business days, which is what I will need to be reflected to be eligible to apply for forgiveness. Again, my current account balance is not updated like I was told. 

All in all, Edfinancial has been sharing conflicting information. They are also not helpful with sharing an accurate timeline of how the process works. All I am requesting is that my account balance on Edfinancial reflects {$20000.00}.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IL)

I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (IL)

I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

This is the second CFPB complaint I am filing because I have not heard from American Express and my second try at coming to a resolution with customer service was unsuccessful. I recently tried to transfer XXXX membership rewards points to a partner airline program, but my request was rejected by the system. The system notified me that my point transfer was denied because my account was membership rewards were under review. I contacted membership rewards and a representative tried to help me transfer the points over the phone. They were unable to transfer the points and received the same message about a review, so they transferred me to customer service. A customer service representative then told me that membership rewards had to help me with membership rewards-related issues, so they transferred me back to membership rewards. The new membership rewards representative again tried to transfer the point over the phone, only to be met by the same notification that my points were under review. After a lengthy hold, the representative was able to explain to me that my membership rewards were undergoing a " standard review '' and that this was normal. I have never heard of this happening to anyone else I personally know who has American Express membership rewards. For context, I earned the XXXX membership rewards after meeting minimum spend requirements as part of a promotional sign-up bonus. All of my spending has been through legitimate purchases and I have never participated in manufactured spending. My understanding is that American Express has stated in its promotion terms that it reserves the right to review the promotional bonus in the 6-8 weeks after the bonus posts to the account. My XXXX membership rewards bonus posted on XX/XX/XXXX. It is now XX/XX/XXXX. We are well beyond that 6-8 week period. I find it extremely unfair and disturbing that American Express would arbitrarily choose to freeze what a customer does with their legitimately earned membership rewards after the standard review period has passed, under the guise of a " standard review ''. I am very disappointed in American Express ' business practices regarding this issue, especially considering that I wanted to transfer these points before a significant loyalty program point devaluation. American Express was unable to provide me a timeline as to when the " standard review '' would be completed, but I have read online from other victims ' experiences that this process can take up to 2 months. The only reason I even signed up for the American Express card in question was to use the promotional sign-up bonus to transfer to points to the loyalty program before the devaluation. Clearly that is no longer a possibility and I feel as if I have been duped by American Express into signing up for one of its high annual fee credit cards after being offered a misleadingly restrictive rewards program.