davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (WA)

When I lived at my prior address on XXXX XXXX, I contracted XXXX XXXX for internet services. After about 30 days of service we canceled our plan and paid out the account in full to have our service agreement fully closed. 
About 2 years ago, XXXX XXXX began attempting to collect on unpaid service for the months following the cancelation of the plan, and a new early termination fee. We disputed the charges directly with XXXX XXXX and gave a copy of our payout and termination agreement. Copies of our bank account showing that the fees were withdrawn by their company and the date/time this happened. 
Now every few months a new collection company calls, adding fees and service charges to the " debt '' illegally inflating the already invalid debt. 
No matter how many times we ask them to take us to court for a final settlement, they keep sending it to new debt collectors that only want money. As soon as I ask to go to court for final settlement it is passed along, jacked up and ran through my credit again and again.
Consumer complaint received 2017-04-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North American Credit Services (FL)

i recieved my XXXX report by mail dated XX/XX/XXXX and it was not updated to dispute status after i sent a letter that north american received on XX/XX/XXXX. I look at my updated report on XXXX from XXXX and its showing a back date of XX/XX/XXXX but my hard copy i recieved directly from XXXX says they did not update since XX/XX/XXXX. Im not sure how they fraudulently updated my report to show status of XX/XX/XXXX when a week XX/XX/XXXX on my XXXX hard copy says XX/XX/XXXX. i will be contacting a attorney because i have my prior complaints and my current credit report and also my report from XX/XX/XXXX. What north american is doing is against the fcra. I will attach a copy of my XXXX report hard copy dated XX/XX/XXXX. They did not update to disputed in the 30 days as required by law and are doing fraudulent things with my XXXX report.
Consumer complaint received 2016-10-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Last year after XXXX got caught messing with my escrow, the CFPB helped me out and got them to make some sort of terms with XXXX. As a result of this, my mortgage was sold to Carrington Mortgage Services. This year, Carrington cleaned out my escrow again, just like XXXX and now has decided that there is a shortfall. With little notice or opportunity to put money back into my escrow, they have elevated my escrow payment to more than I am paying on principal and interest. I feel that they are trying to cause me to default or fall behind on payments with the intent of charging fees and such.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CO)

I made a payment online and they said that the payment was confirmed on time. I found out later that they had problems with their website and my payment was never received causing a payment to show as 30 day late and ruin my credit for something that I did nothing wrong. The bank refuses to remove the late payment history from the credit bureaus.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WA)

I purchased a home on XXXX XXXX XXXX and sold my home the following day. The closing statement paid interest to XXXX XXXX. When I applied and received the mortgage for the new home it was with XXXX. XXXX sold this mortgage the following month to US Bank Home Mortgage. I had made XXXX payments of over {$430000.00} in total on XXXX XXXX and XXXX XXXX of which the larger payment was for {$430000.00} and applied to principal. The smaller payment for the regular mortgage payment due XXXX XXXX was {$2500.00}. This payment was not applied based on the payment date for 4-5 days of interest and was allocated as the XXXX XXXX amortization schedule as if the loan was outstanding in full for 30 days. XXXX eventually corrected this error after several interactions but not before the incorrect information was provided to US Bank Home Mortgage. 

I have an amortization schedule from XXXX showing the balance at the transfer was {$49000.00}. When US Bank Home Mortgage took over the loan they recorded the balance at {$51000.00}, which is off by {$1600.00}. 

After contracting customer service three times to no avail and appealing their reply I am left with the loan balance being carried with the incorrect balance and my subsequent payments are being applied based on an incorrect declining balance. 

I have two letters ( virtually ) identical from the Customer Service Research member of the US Bank mortgage division ignoring the information I have provided including copies of payments out of my bank, the closing statement, the two amortization schedules reflecting the difference I am outlining. 

XXXX admits that the original information provided was before the required correction based on the payment dates but so far nothing is affecting the loan balance shown by US Bank Home and the overstatement of interest expense and balance.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

XXXXloancare purchased my account from stongate mortgage. My payment was XXXX with taxes, interest, and principal. Insurance is paid in full and not inside the payment, as per the closing Docs. Upon purchasing my loan. loancare autodebited the right payment, and then then immediately raised the payment to XXXX the escrow being taken out was XXXX every month. The total expenditures from that escrow account are XXXX per YEAR. I applied for a another mortgage on a different piece of property and put my current obligations as a XXXX mortgage payment. when they asked for proof and I went into my loancare I realized that they had been debiting my account and extra XXXX for a couple of months now. I reached out to them numerous times to fix this, and even helped trace the error. Numerous times I was told that they would fix within 48 hours and drop the payment down to normal. Its been 3 weeks and nothing. When I requested an email or something in writing to show the bank that Loancare was in fact in error and they will fix it, so they do not think I lied on my mortgage application, they refused. I have a {$10000.00} deposit at risk, and I will probably lose my approval because it looks like I lied to this bank. The last person I spoke to was XXXX XXXX ID XXXX who refused to allow me to speak to a supervisor and refused to let email me anything to explain the situation to the bank I was applying for a mortgage with. That 's a big loss for a family to take because of an accounting error on their part.
Consumer complaint received 2017-01-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (RI)

On XX/XX/2017, I went to XXXX to purchase a blender. XXXX offers the option of utilizing Paypal creditl to purchase the blender interest free for 12-18 months. I applied for credit and was provided a {$3000.00} credit limit, way more than I needed. I attempted to purchase the blender and received an error. I called Paypal and talked to Security so they could verify my identity. Upon completing XXXX questions, I was told by Security that I was all set. If I have any other issues it is Paypal proper and not them because they have their own process. Again, I attempted to purchase the blender and even though I chose to use my Paypal credit account the purchase would not go through. I contacted Paypal again and was told that for security reasons, I could not use that credit until I had made other smaller purchases. Purchasing the XXXX would only utilize XXXX % of my credit line which is not a lot. Also, in the Terms and on my available credit it does not say that the whole credit line may not be available to me. I can only assume that they were trying to force me to make interest bearing payments. I asked to speak with a manager and was left on hold for 40 mins before I hung up. On XX/XX/XXXX, I again tried to understand why I could not make the purchase. After talking to XXXX different people, including XXXX managers, no insight was given and I was told I would have to use an alternative payment method. The last person I spoke to was a manager. I explained the issue and told him I thought this was deceptive as I believed they wanted me to make interest bearing purchases before using my interest free credit. I asked for my account to be closed and my information to be deleted. He responded by hanging up on me. I then tried to contact their privacy department to ask for my information to be deleted and was not provided an easy mechanism to do so.
Consumer complaint received 2016-12-01
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (NY)

In Paypal I have always set the currency conversion process to my VISA card so my card issuer will determine the foreign exchange rate to apply to my transactions. 
Lately, now just before XXXX, Paypal has began forcing users like me to only use their own currency conversion process.This scam began little by little for a about a year ago when this option who is still visible in paypal accounts was set inoperative was forced to pointing only to PayPal 's own conversion process option as default. To fix this scam without any notice whatsoever, only observant and awakened users has for the last year been able to change this option manually at payment transaction checkout ( manually for each transaction ). Lately, now just before XXXX, Paypal has also now began forcing users like me to only use their own currency conversion process, without any ways of changing it. I myself is a educated computer engineer and this easy task goes against everything I 've learned in programming. It is just not possible to make such small technical issue become so big and long time problem as it has become. And now the final evidence that this is a big scam came lately when Paypal removed all options to use my own VISA card issuer currency conversion process and point it only to PayPal 's own expensive conversion process. I lately contacted paypal again but they only mentioned that this is a technical issue and that they are still working on in spite they have had a whole year to do it now!!! and even when I know this should be very simple. Later the same day when I told them I was going to tell the world about this scam they reacted to send me som other hidden option that did not work eithe or would fix the problem!!! 
Here are the originale option who now it set inoperative in paypal XXXX
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TN)

Freedom Mortgage has held payment on my account and has not applied toward my balance. Freedom Mortgage did not advise me of a escrow change to my account and has not applied my payment but has reported my account late to the Credit Reporting Agencies. I have contacted Freedom Mortgage 3 times to attempt to have this corrected.
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Complaint is to address Well 's Fargo 's ( WF ) UNLAWFUL FORECLOSURE & DISCRIMINATING decision re XXXX/XXXX/XXXX auction of my property at XXXX XXXX XXXX, XXXX, CA XXXX. Sold $ XXXX/valued at $ XXXX/owed {$290000.00}. WF failed the California Homeowner Bill of Rights by not assigning a POC prior to auction on how I can qualify for re-modification. DISCRIMINATION : Day before the auction WF had receipt of Buyer 's Contract ( RPA ), HUDI, XXXX printout, house listing agreement & did n't contact Realtor to discuss further. My Realtor was denied this sale for her livelihood & sale could have been delayed 30 days for XXXX document needed per WF. WF rejected Realtors house offer & disregarded at age XXXX, that sale would replenish my depleted & penalized 401K used to keep mortgage current after my XX/XX/XXXX layoff. My realtor showed how I did quality to make mortgage payments. WF failed to assign a POC & I was the liason between WF XXXX XXXX Attys office & WF corp. office because phone number for mgr " XXXX '' was not permitted, always a different WF Rep for each call. I was repeatedly told a job & paper-trail was required for a re-modification & my realtor showed me that my social security, renters & family assistance qualifies me. WF emphasized I needed a JOB and PAPER TRAIL since I had neither, assumed I did n't qualify. WFs response to the first CFPB complaint was that her research was to determine if WF handled the foreclosure wrong, not to freeze the sale. I want my house back after my Realtor educated me on how I DO QUALIFY FOR A RE-MODIFICATION without employment.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Contacted XXXX XXXX XX/XX/XXXX about misinformed information in my file. Sent in my bankruptcy schedules and discharge paperwork. 

Contacted again onXX/XX/XXXX- spoke to XXXX at XXXX XXXX. They said it was fixed and the company needed to repull report. Company repulled my report- the issue wasnt resolved. 

Contacted againXX/XX/XXXX- they said that they needed a release date. Resent the information again asked for a supervisor- none available. 

Contcated again XX/XX/XXXX- confirmed receipt of info. 

Contcated again XX/XX/XXXX- they confirmed that the file had been updated. Advised to pull a new report. New report was not updated. Asked for a supervisor- none available. Left message. 

Contcated again on XX/XX/XXXX- again they confirmed the issue was resolved yet the file still shows the same info. Again asked for a supervisor- none available. Left message. 

XX/XX/XXXX- Mortgage company cancelled my closing date due to information being reported improperly and inability to resolve. 

XX/XX/XXXX- Called the NY office- lady gave me the name of a supervisor at XXXX Contacted XXXX ( Supervisor ) no return call. 

XX/XX/XXXX- reached someone in XXXX- he said he needed to send my inof to a rep in US. He didnt have a supervisor on site.
Consumer complaint received 2015-08-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

XXXX, my bank manager at Wells Fargo, XXXX XXXX, XXXX, VA XXXX ( XXXX ) informed us ( myself, my daughter, and son-in-law ) when we started our small business ( XXXX ) that if we invested our own money to show good faith that we would qualify for a low interest business loan. We invested at least XXXX into our business and when we applied for the business loan, XXXX XXXX, Division Lending Manager, Wells Fargo Business Direct continues to deny us due to:1. A Collection problem on my credit report which Wells Fargo resolved in XXXX 2014 but refuses to send me a copy of the resolution ( just reported tonight XXXX XXXX ) to send to the XXXX credit report services and2. states my son in law and I have invested too much money in my business to receive a Wells Fargo small business loan. ( too much debt according to our income ). 
3. XXXX XXXX and XXXX, the branch manager keeps asking for more and more information which we have supplied but can not fix due to : XXXXA. Wells Fargo will not send me the Resolution Letter in my favor to send to the XXXX credit reporting agenciesXXXXB. Lied to us about receiving a small business loan after we invested so much of our own money that we can not get the small business loan they promised nor get .... 
XXXX A small business loan from any other lender due to NOT sending me the Resolution Letter to clear my credit report AND encouraging us to delete my line of credit with Wells Fargo to where I have too much debt to quality for their promised small business loan nor get a small business loan from any other lender.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Dear Bayview I am continuing modification process from prior servicer XXXX 
I am concerned as to if there is a sale date or not, as conflicting information is being received. 
The trustees confirmed the sale date is suspended on the record. 
I received different information from Bayview. 
I want to keep my home. 
If you would assist me in making sure all parties have the same information Bayview XXXX XXXX Company Bayview stating I must sign a new assistance form with Bayview before modification can be complete- I received form XXXX/XXXX/2017. 
Bayview letter stated if there was a modification in review with prior servicer - the modification would continue. 
Has Bayview received mortgage records from XXXX XXXX XXXX. 
I am confused on the process at this time receiving conflicting information. 
Would you confirm if prior servicer has forwarded a complete file I appreciate your time greatly
Consumer complaint received 2017-02-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY (NY)

I accidentally transferred money to the wrong person through Wells Fargo Surepay. I entered the wrong phone number. I made a claim with Wells Fargo and their policy is 7-10 business days to investigate the claims. They contacted the other financial institution and there were n't enough funds in the account to return the funds. They communicated to me that there was nothing else they could do. I have three concerns about this process. First, there should be a way to match up the phone number and name of the recipient for money transfers. They currently only match up the phone number. Second, Wells Fargo took too long to investigate the claim. The individual withdrew the unfds by the time they looked into it. Lastly, Wells Fargo should continue to request the funds until there is enough to return the full amount.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NC)

I applied for a HARP refinance loan on XX/XX/XXXX at Wells Fargo. All required documentation ( XXXX signed taxes with XXXX, pay stubs, insurance declaration pages for all homes, credit report with a written explanation of addresses and inquiries ) was provided that day to the bank except for the insurance declaration page for my primary residence which was provided the following morning at XXXX XXXX XXXX. The loan processor has systematically mishandled the loan process from repeatedly requesting documentation that was provided the first day because she had the application pages out of order ; confusing my file with another file regarding a business operation and investors instead of a single family residence with an accessory unit ; requesting signed full year leases from all rental properties to prove rental income ( NOT a HARP requirement ), and other lengthy errors which can be provided from texts and emails if needed. It is now almost three months later the application loan rate has expired and the bank continues to be unresponsive in helping to resolve this issue. Wells Fargo attempting to placate me with explanation of overworked departments and vacation times and that the file has been bumped up to the escalation team but to date no contact or resolution has been forth coming. They plan to have me continue paying a higher interest rate. They have no interest in providing the HARP loan services mandated by the federal government.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016 XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and wanting to use my XXXX loan to purchase a home so I ca n't believe how this is happening right now of all times. Is there anything you can do to help me? I really do n't know how these payments became past due.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

The mortgage lender failed to adjust the escrow amount even though property taxes increased. Because of that I have a large negative escrow balance. Now I receive a notice that the lender requires almost {$4600.00} now, or I can have my payment go up by 48 % for a year to correct this.