davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit 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: DISCOVER BANK (MI)

I requested ( XXXX  months ago ) that a merchant be blocked from auto debit as I have cancelled this service. On XXXX the charge re-appeared. Discover said they never did block the merchant and I would be responsible for the charges.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (NM)

I have a mortgage with Flagstar bank since XX/XX/XXXX it is very high interest@11.375 % I have tried at least 5 times over the years to refinance for better rate only to be rejected or completely ignored, I have got nothing but the old Run around, we will call you back or put on hold for no one to ever pick back up. I have been working with XXXX as it turns out he is getting the same treatment. I have talked with XXXX for the elderly several times she has been great, shes answered and returned calls. I am NOT in foreclosure but during the new year holidays a company named XXXX did an illegal lock out!!! I have been trying to sell the house because Flagstar is impossible to work with, they have put insurance on my mortgage loan even thou Iv had insurance without laps.My insurance and taxes have allways been included with my payment thru escrow, when I listed my house XX/XX/XXXX my realtor discovered that XX/XX/XXXX taxes were not paid to XXXX co. I have been XXXX, Bullied and Abused by Flagstar Bank for 16 years, I cant take no more! I Pray for Help!!!
Consumer complaint received 2016-11-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WA)

In 2011 I moved to be with my XXXX father, a VA Veteran, XXXX. I moved from XXXX to XXXX NV and informed Infiniti via phone to update the billing address on file. So that the payment would work. Apparently the lady that " helped '' me never completed the address change. Once I got the forwarded late payment notice from the USPS Mail Forwarding I had set up, I paid the payment to the car. I called and asked if they could wave it since it was their fault, the refused. I was NEVER late like that. I pay my bills. I have XXXX % credit utilization. Now this late payment is stopping me from getting a FHA/VA Loan for my XXXX house. I want the late payment removed since I was technically helping a VET, who served his country for 30 years. My dad has since passed and he would want me to stand up for what is right here. DO THE RIGHT THING INFINITI. Remove this 5 year old " 30-day '' late payment on a {$42000.00} car I bought and payed off clean as a whistle.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

XX/XX/XXXX I agree to a mortgage modification with XXXX XXXX XXXX XXXX. The trial payment period began in XXXX XXXX and ended in XXXX XXXX when the modification documents were ratified. Between XX/XX/XXXX and XX/XX/XXXX I filed disputes with all three major credit bureaus to have the XXXX mortgage information updated. After each investigation XXXX continued to report the modified loan delinquent. Additionally, on XXXX or more credit reports XXXX reported the loan twice ( the unmodified loan and the modified loan ), and therefore corrupting my credit file with an additional {$300000.00} of delinquent debt.
Consumer complaint received 2024-10-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX  XXXX  XX/XX/XXXX {$5600.00} {$6200.00} XX/XX/XXXX Contacted company and company started asking for my personal information to be sent over and I didnt feel it was needed and now I fell Im being harassed and told its mine. And on another note I dont owe this company money for sure they arent even the original contract that the fraud was done under.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NJ)

Good Afternoon, Our names are XXXX and XXXX XXXX, and we have a PHH Mortgage. We would like to file a complaint against this company. In XX/XX/year>, we applied for a modification because my husband was very sick with XXXX. Since the day I faxed all the required documents until now, every time I call the company to inquire about my case, they only tell me to send the same documents that we have already sent. It si essential for them to have knowledgeable staff to handle these matters. Every time we call, we receive different information. It seems like they are unwiling ot help and want ot retain the house. The monthly amount keeps increasing, and I am XXXX XXXX XXXX. 
We kindly request your intervention and respect for the situation of each individual. Thank you in advance for your help. 
XXXX & XXXX
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (TN)

I recently submitted ( XX/XX/2016 ) a complaint to CFPB re. the inordinate delay ( two months, twenty days ) that American Express took to post a charge of {$5400.00} to my account ( Complaint # XXXX ) The message of American Express ( XX/XX/2016 ), following my complaint to CFPB is wholly inadequate ( see attachment ). 

First, they do not even mention the CFPB at all, or reference Complaint # XXXX, stating as if their message were completely of their own volition, in an effort to " help us recognize and improve the quality of our work '' : " American Express would greatly appreciate your feedback. Our records indicate we recently assisted you with a billing inquiry. The amount of the billing inquiry was {$5400.00}. '' Actually, if they had thoroughly researched their records, they would find that the recent inquiry was actually the third, in regard to the {$5400.00} XXXX charge to which they refer, going back to my first inquiry, of early XXXX 2016 - over three months ago! 

The only difference between their non-response of early XXXX, and their immediate response of XXXX XXXX 2016, would seem to be my complaint to CFPB earlier that day. 

Thank XXXX for the CFPB! That an overbearing financial behemoth, such as American Express, would actually make at least the appearance of a genuine response, to a humble consumer such as myself, would seen to be a huge step in the right direction. 

I ca n't adequately explain the frustration of restating again and again to representative after representative, my grievance regarding the unconscionable delay of two months and twenty days, which American Express took to post my charge of {$5400.00}. 

And each time, the representative, after listening to my grievance, would ask : But the charge was valid, correct? As if the delay itself was not a valid grievance! The delay is the grievance in its entirety. 

As related in Complaint # XXXX, the delay allowed me to unwittingly exceed my credit limit by {$5000.00}. The validity or invalidity of the charge is irrelevant. 

I completed their Survey, which they claim to be " administered by an [ unnamed ] independent research company, '' gave a detailed account of my grievance, and submitted the complaint. Or rather tried to. A message indicated that there had been a technical problem. Complaint lost. How convenient for them. 

I see now that I have another identical message from American Express in my Inbox. I will respond again to their survey, but this time, instead of restating my grievance, I will refer them to Complaint # XXXX. Thank you.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

Hello, I been with Well Fargo for so many years ( since 2000 ) and the way their backing works is no fair. Before paying some bills, I always check the phone appt to see how much I have in my acct and then i pay the bills. but one the bills go thru i actually did not have what they showed so they overdraft my account, no ones but two time ( back to back ) i call and they are refusing to re-inverses my {$70.00}, it had happen so many times that i want to closed this acct, but i have been with them so many years that i think my credit will be affected. On the pas 18 months they have charge me {$910.00}, just on this fees. 
I would like to see if thy refund me some of this money is unfair how much money they make without my consent. 
Their appt shows something and when you used the money you actually do n't have what they said.
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Valley Credit Service, Inc. (OR) (TX)

Valley Credit services, has reported, on my XXXX credit report, a collection account for an alleged debt. I contacted the agency today at XXXX, I spoke with XXXX , whom failed to disclose communication was attempt to collect a debt ever during the phone call. I obtained a recording of the call as proof of the violation to my consumer rights. The agent also informed me the account has been sold to another collection agency, since I live in that state of Texas. Under Section 392.101 of the Texas Finance Code laws a third-party debt collector or credit bureau is prohibited from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. According to the Texas Secretary of State, Valley Credit Service does not have a bond filed in the state of Texas therefore are not bonded to collect in the state of Texas. The account is reporting as open on my credit file, as well as showing an updated date for the balance they are currently trying to collect on. So this account is now being collected by XXXX separate collection agencies, and XXXX showing as open, and current on my credit report, which again is a violation to my consumer rights. I sent Valley Credit a certified letter with a tracking number, requesting validation of the alleged debt, which they received XX/XX/XXXX. I never received validation, or a response of any kind from the agency. I then disputed the account with the XXXX Credit bureau, on XX/XX/XXXX, the account came back as verified and accurate, on XX/XX/XXXX. Again, Verifying not only false information to my credit file but the account in general, with the Credit bureau, before sending me, the consumer validation of the account is violating my rights. Valley Credit not only failed to conduct a reasonable investigation, but clearly has a blatant disregard for my legal rights.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC (PA)

A company called Zenco Collections contacted my father, a XXXX XXXX, in an attempt to collect on a debt that is over 10 years old. They said they have reduced the debt if he makes two payments of $ XXXX+, the entire amount of his XXXX check and if he didnt pay they were going to refer the case to " XXXX county '', the county where we currently live and threatened to either sue or take him to jail. Out of fear of being arrested, he gave them his bank account number and they sent him an email with a letter for him to e-sign. Fortunately he told me about this before he e-signed and returned the letter, so he has not legally authorized any withdrawals. I then did some research and found that there are complaints with the XXXX regarding threats to others and those complaints went unanswered by the company. When the company called back I told my dad to ask them for a verification letter and a license number. This made the lady VERY angry and she said she was referring this to " XXXX XXXX '' who is apparently the guy in their legal department and she said " good luck to you '' and hung up on him.
Consumer complaint received 2016-12-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

After entering some basic information into the University XXXX website, I had received several calls in a few days ' time. An enrollment counselor contacted me to ask about my interest and aggressively pursued my enrollment in coursework for a XXXX Degree in XXXX from the XXXX University XXXX forum, explaining a XXXX degree would boost my chances of getting a high-paying job in the field of my choice. The format and cost were explained and the first course started the following Tuesday. I began the coursework expecting preparatory instruction for the beginning of a career. I was, in fact, given little guidance toward a secure, high-paying job in the field and I believe the education i received in this coursework has not expanded my opportunities for a career in the way I was led to believe.
Consumer complaint received 2016-11-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (SC)

I received an alert from credit monitoring service stating I have a new account which is a negative entry of a collection account with Midwest Recovery Systems in the amount of {$660.00}. I never had an account with this company nor the original creditor or XXXX nor have I ever heard of them. I never received any written communication from either company in regards to this fraudulent debt and therefore is a violation of the fcra. This is is not my account and this fraudulent account has been placed on all 3 of my personal credit files illegally. By law I should have been sent a letter from this collection agency giving me 30 days to validate this debt, however I was violated of that right. I have sent a letter to this company requesting validation. This company is conducting illegal practices. I did n't have any collection accounts on my credit files until now because I pay my bills on time all the time. I 'm in the process of closing on a home loan and because of this blemish on my credit reports my score has went down dramatically due to incorrect and fraudulent information from this Midwest Recovery Systems.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

I leased a car in XXXX. My down payment and first payment were billed to my credit card. I received a call in XXXX regarding non payment of my XXXX bill. I had several communications with ford credit regarding not receiving the invoice. I never received it until XXXX XXXX. I Mailed payment XXXX. They acknowledge receipt XXXX. I was reported to credit abuse despite my repeated calls. They also admit repeatedly that they have a problem with they 're " account manager " ( that still exists as of today ). I did n't receive an invoice for XXXX, but sent a payment which they acknowledge receiving. While the account overview states that my account is upto date and my next payment is due XXXX, the account manager and an invoice I received TODAY states that I owe payments for XXXX and XXXX and again threatens my credit. I have spoke to multiple " supervisors '' who have ensured resolution, but none has occurred. I spoke today to another supervisor who again acknowledged that the account manager is not working properly. The general manager from the dealer, who I have worked with has been helpful and equally frustrated about the lack of resolution. This should have been resolved long before now and my credit should not be threatened if multiple people at ford credit admit that they 're account manager is not working properly.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo placed a hold on my Social Security instead of posting it when it was deposited into my account. This caused the reoccurring payments to bounce and charging me {$35.00} in fees for a whopping total of over {$700.00}!
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Equifax - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Equifax has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Equifax has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account. 

I have previously disputed this account with Equifax on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Equifax has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Equifax conducts a thorough and accurate investigation into the reporting of this account. Given Experians continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] I trust that the CFPB will take swift action to address this issue and hold Equifax accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I have been working with my lender for a loan modification since early XX/XX/2016. I have submitted all documents requested and in the middle I was transitioning between a new job. I have sent in explanation of my new job which started on XX/XX/2016. To date I have only been paid one pay stub which was faxed over to the lender on XX/XX/2016. I am not withholding any additional pay stubs as I have only received the one pay stub provided. I am now being informed 3 days before the foreclosure sale of my home that I my application has been closed out for review because I am missing pay stubs for the month of XXXX, I have sent in an explanation that I had no pay stubs for XXXX as that was the beginning transition of my new job. They are now unwilling to postpone the sale stating there is not enough time, there would be enough time if they would postpone the sale and allowing me to send another pay stub from my next paycheck and keep the review open.
Consumer complaint received 2017-01-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

I have a Home Equity Line of Credit which was extended by XXXX XXXX XXXX. XXXX XXXX XXXX collected my payments in behalf of XXXX. My loan was sold to XXXX Bank XXXX, as Trustee for XXXX Mortgage Loan XXXX ( XXXX Bank XXXX ) and my payments are being collected by Shellpoint Mortgage Servicing in behalf of XXXX Bank XXXX. The servicing was transferred from XXXX to Shellpoint in XXXX 2016. My loan is on automatic draft from my checking account. In XXXX Shellpoint drafted {$3000.00} when the payment should have been approximately {$2700.00}. In XXXX Shellpoint drafted {$2200.00} when it should have been approximately {$2700.00}. In XXXX they drafted {$1000.00} when it should have been approximately {$2700.00}. In XXXX they have scheduled a payment of {$700.00} when it should be approximately {$2700.00}. They are not collecting my payments as set out in my note. I have a great concern that they are going to draft a lump sum of approximately {$6500.00} to correct their error. I spoke with their representative who told me this is a " known problem '' and my loan should be " re-calibrated '' within XXXX to 6 months. 
Based on what they have collected, {$6900.00}, and what they should have collected, {$10000.00}, they will have to collect a lump sum payment of approximately {$3800.00} plus a regular payment of {$2700.00} which would result in drafting approximately {$6500.00} which will created a serious hardship for me. If this continues as it is now, the lump sum will be much higher. 
I am certainly not the only customer of Shellpoint that is going to have this problem. They should be sanctioned and fined for their unacceptable business practices and should not be allowed to draft more than what the correct payment should be going forward.
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (CA)

My Skrill account has been completely unusable now for almost 3months. I have a balance in my account I can't access, despite having a debit card, I can't even transfer from my Skrill to another Skrill account, even though my balance is more than what I've tried transferring. I can't use my debit card and I can't even withdraw to my registered bank account. My account is in good standing, I've made so many calls and submitted so many support tickets I've literally spent hours trying to get my account fixed. However, in spite of the promises to get the issue fixed- since XX/XX/XXXX, NO ONE HAS CONTACTED ME OR EVEN REPLIED TO MY MANY SUPPORT TICKETS. NOT ONCE. I feel like I'm being scammed and my money is being stolen. When I try using the customer service phone number, there is no one available, just a recording, in spite of me calling within the posted hours of operation. This is RIDICULOUS! How can a company that is supposed to be trusted handling money for people be so incompetent and show a total disregard for their customer. The situation is so frustrating and the facts are so crazy it's almost unbelievable, except, it's all true. Since XX/XX/year>, IMAGINE, NOT- ONE- PERSON HAS RESPONDED TO EVEN ONE OF THE MANY SUPPORT TICKETS I've SUBMITTED. NOT EVEN AN ACKNOWLEDGEMENT. I should mention however, amazingly, they were able to deduct {$9.00} for Annual Fees, no problem.