davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (GA)

I purchased my investment house around XX/XX/XXXX for {$150000.00}. I put 15 % down back then. As of XX/XX/XXXX my loan has a remaining balance of {$120000.00} ( 79.4 percent remaining ). The loan was sold to Amerihome Mortgage. I have filed XXXX requests to drop the PMI but per Amerihome via written letters I have to wait 2 years of paying PMI from the initial loan date and then have to do an appraisal regardless of what I have paid off already, and then submit a drop request again ( which takes about 40 days ). I have paid 100 % on time ( auto draft ), the requests were submitted via e- another e-mail and wait for a 40 day response via mail ( per Amerihome ). I have a perfect payment history. Every time I try to speak to someone about the PMI they say " This department is only available by e-mail ''. I have called multiple times and requested to speak to a supervisor and I have had no traction for the last 5 months. I am below 80 % paid off and I am eligible to have my PMI dropped, your assistance would be greatly appreciated. I will attach pictures later in this process.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

My iPhone loans with Citizens One loans were setup to be paid automatically by debit card. 

The debit card had to be replaced by the bank as it was compromised by fraudulent activity. 

Subsequently Citizens One emailed me to let me know they had not been able to take payment. When I tried to log in to the website ( per the instructions in the email ) to change my details, I was greeted by a blank screen, despite having logged in with the correct credentials. 

When I called them about it, they claimed it was a browser problem ( it was n't - I tried with XXXX different browsers on XXXX different devices ) and told me I could only switch to paying by credit card for the current due payment. They told me they would escalate the website issue and I would be contacted with a resolution in 7 - 10 business days. I never received any further communication about the website issue. 

Instead I waited a few days and was able to log on and switch the autopay to my checking account, so I would n't face this issue again with a debit card being taken out of use. 

When the next payment came due, I again received an email saying my debit card payment had failed, even though I had switched the autopay to my checking account. Again I tried to log onto the website and again was greeted by a blank page. 

I called again, and was again told it was a browser issue on my end, and that I could pay the current payment via credit card. 

I 'm in an endless loop of being denied reasonable means to update my information without them reverting to old information, and some kind of scam whereby they 're forcing me to pay by credit card, presumably so they can charge me some kind of additional fee.
Consumer complaint received 2016-11-01
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

A few weeks ago I had a an overdraft fee from first Virginia, I called them to ask why they 'd taken so much from my account. I do recall setting up an ACH auth in XX/XX/2010 but this time they took too much, and last week took another payment which caused ANOTHER NSF. The problem is I 'd filed a complaint with a manager about how the collections specialist and team supervisor was rude. A few days after that, I set up a payment arrangement with another rep for XX/XX/XXXX yet they took the money several days sooner even though I was only 3 days late. I think it was a form of retaliation and shady collection practices. I called my local branch and was advised the collections dept should not have taken a payment when I had a payment arrangement set up.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have called each bureau for a copy based on applying for XXXX card and being denied. Trans Union and XXXX is stalling and circumventing the rules by not honoring the laws in place to protect us against such practices. I need a copy of my reports expeditiously in order to address a current pending transaction. So please have the XXXX bureaus send me my copy based on the law of denial.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Experian Information Solutions Inc. (MO)

XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX 1999 and have not removed it from my credit report.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX Account # XXXX, opened XX/XX/XXXX XXXX. {$13000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX Bal. {$0.00}. Late Payment Account XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MI)

I have Opened an account at Chase -- Three months ago. 
I got a Credit card with Chase -- Freedom Unlimited Visa. 
Recently during the HOLIDAYS XX/XX/XXXX I made a purchase ( around {$600.00} best buy ) with the card as I got a very nice deal on few items. The transaction went thorugh without any issues and was cancelled after three days as the transaction was declined by Chase. Chase Freedon Unlimited says that it went to Fraud and they placed a hold on it. I did not receive any call from Chase regarding the decline. 
I called the Chase Visa office directly and they said they can not do anything about it. 
I am really disappointed with the service. 
These are the reasons for my disappointment 1. I did not get call that my creadit card was declined from Chase. 
2. My shipping address is same as my Chase Credit card/ Bank Address . 
3. I have a really bad experience with Chase as nothing was done to keep me as a customer 4. Who will cover my loss as the deals are no longer available in any store.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (AR)

This company sent my account into collections. I contacted thr collections company and paid the balance in full for the amount owed. I never moved or changed services. I never obtained any other accounts with this company. A couple weeks later I received a Bill for {$30.00}. I called XXXX to inquire about the bill. They told me that lt was for a return check charge. I let them know that when I paid them the money owed it was with a card and not a check and it cleared. They told me they see a note that credited the {$30.00} back to my account. They told me My account was closed and I do n't owe any other balance. Today I received a call, stating I owed the entire balance again of XXXX. A different creditor. I again called XXXX to inquire, they stated they dont know what got mixed up but I no longer owe anything for this account. Debt collectors stated they just received the account Today, and that they ca n't delete it until I pay. XXXX says I do n't owe the debt, yet they are n't helping me to resolve the debt in collections nor are they able to verify the debt or pull up the account.
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CA)

The debt they are attempting to collect is over 10yaers old and the account has been closed. They call me at XXXX every night. When I answer, someone asks what my name is and when I ask who they are they say " please hold '' and then they transfer me to midland management. Whom I 've told several times that the account has been closed, I 'm not paying it, and stop calling me.
Consumer complaint received 2016-12-05
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Intermex Wire Transfer, LLC (NC)

I sent XXXX $ threw Intermex to my mother in XXXX XXXX. In which I was charged XXXX $ for their service. On the XXXX of XXXX I received a text stating that the wire I sent has been collected. I then called my mother to see if she had received the money and informed me that she had not gone to the bank yet to which the wire was sent. I later called intermex and asked what had occurred and they replied that the money had been collected but they had not told me who did. Their website advertises safe secure wire transfers to consumers to love ones. I 've called them every single day to see how they can help me but to no avail they will not give me a straight forward answer and says it 's out of their hands it is now the XXXX of XXXX and no resolution in sight I must file a complaint and hope that I will find some kind of resolution.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank created XXXX account numbers reporting negative information to credit bureaus XXXX, XXXX and XXXX. I only had XXXX account with them. However, they opened XXXX account numbers as if I had XXXX with them creating double billing which is affecting all of my credit reports.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

after a wrongful eviction that interfered with my employment XXXX XXXX, XXXX, etc. lawsuit I was living in a third rate hotel as I worked as a pro se litigant. I took out a Capital One credit card because they approached me with a mail. I had a pre-authorization for credit. Little did I know that within a few months the terms and conditions would change. I was offered the opportunity to opt-out. I did, but it was never recognized. The time period was about XX/XX/XXXX-XX/XX/XXXX. The account number is MasterCard Platinum XXXX. 

I had an overcharge of {$0.00} while on Social Security Benefits and I was about XXXX XXXX XXXX, unemployed albeit for acting as a non-attorney in the Federal Court, XXXX vs. State of California, et al, XXXX, published at XXXX vs. XXXX XXXX XXXX XXXX, et al, XXXX XXXX XXXX. XXXX, foot note XXXX. 

I tried to make sense out of the overcharge saying I was protection under regulation Z, Truth in Lending Act, finance charges were illegal. But the credit was sold, and the debt buyer has n't let me off the hook. This is illegal under the FCPA, etc. Dodd Frank Act. On XXXX XXXX, XXXX XXXX, 2010, I have a statement for {$1300.00} which has grown since accruing finance charges. Please permanently remove this credit reporting and balance once and for all and compensate me for the violation three times what they say I owe, restore my credit in full, under the full faith and credit clause of the U.S. Constitution, and pay me attorney fees, and post-interest, any judicial reward I am entitled to for the humiliation of a weaponized shame in credit agency reports with XXXX, XXXX, and XXXX XXXX. Also realize I am now XXXX years old, still waiting for a final review in my XXXX, and XXXX litigations because the wrong agency sent out the right to sue letter and determination for a state employee ( EEOC instead of DOJ ). I am still under severe poverty of only Social Security Benefits and Food Stamps. They claim the APR is 21.150 %. I never agreed to the debt buyer. They have no proof of indebtedness on an old debt sold and resold over the time period.
Consumer complaint received 2016-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (FL)

I received a call from a man named XXXX and XXXX that works for National Enterprise System saying i owe {$500.00} from 2011 on a credit card. I never opened a card in 2011 nore do i owe anyone {$500.00}. He was very rude and is calling my job. I saw on the internet this could be a scam. 
I do n't appreciate being harassed at my job. Thank you for your help
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

I signed up for a Citibank Gold Checking account under promotional offer and now Citibank is now claiming no such offer was on my account despite messages and phone conversations with their staff saying I qualified for the promotion and should receive my miles within 90 days. I have attached a message I saved from them ( which now has been mysteriously deleted from my account ) that states the promotion has been applied and all I needed to do was make another bill pay which I did on XXXX/XXXX/16. I should then have gotten my miles by XXXX XXXX 2016 but have not. I have also been getting charged a monthly service fee for keeping the account active in the meantime of {$30.00} a month.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (OK)

XXXX XXXX, XXXX I purchased a washer and dryer set and a king mattress set from Conn 's. The XXXX pymt was XXXX. For the first 11 months I made the pymts before the due date between the XXXX-XXXX of the month. XXXX XXXX, XXXX. I called to asked what is the pymt amount. This was a 12mos no finance deal so I was meticulous with my timely pymts. The agent told me and I gave them a check card number. The agent must of gotten a few numbers mixed because the monies was not taken from my acct. So I called back on the XXXX to find out why pymt was not taken and I had discovered the mistake on Conn 's end. So I gave the agent that day my card number again this time I had them to repeat the numbers back to me. I asked for a letter to be sent out that the matter was settle and I was told that I would receive this letter. XXXX an amount of {$2200.00} was withdrawn from my acct. However, I have never received a letter. My thoughts were ( I have my bank statements, confirmation numbers, and the original contract ) About XX/XX/XXXX I started getting calls from an unknown number. This number would call me every single day, holidays and weekends up to XXXX a day! XXXX XXXX I started keeping track of conversations with conn 's when I found out this is who was calling. I was shocked. I told them all that I said above the agent agreed that my acct should be closed and not sure why it is still open. I have these recording of my conversations with them. Which is about XXXX all recorded. The XXXX time I spoke with an agent they said that my acct was open for a {$25.00} late fee. I told them the above stated and not to call and harass me anymore. I have never received any correspondence from Conn 's until XX/XX/XXXX and if there is a spot to upload these letters I will. Last this company has reported me to the bureaus XXXX times and each time and the letters are MAJOR discrepancies. In less than 3 months and after I asked conn 's to stop harassing me they have called me a total of XXXX times! I have screenshots and recordings and all my records to support my claims. My thoughts besides that this company has shady business practices and behaves horribly is that they thought that they can extort monies out of me because this debt is over a year old and most people do n't have records. Newsflash and I am so proud to say that I have EVERY SINGLE DOCUMENT. LOL another thing Conn 's call from more than XXXX numbers also I 'm glad that my bank statements were too large to upload and the page froze. However you can see my log book where I keep acct of my bills note next to conn 's is the confirmation numbers.
Consumer complaint received 2016-12-06
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Background : My business savings at Huntington is used for paying taxes and insurance only, therefore I put money in on a monthly basis, till they are due in XXXX. 
I reviewed that account on XX/XX/2016, only to realize it had been hacked on the Bank end, going back several months. I filed a fraud alert that day ; Huntington Bank returned most of the money within a couple weeks, however, refuses to return the remaining saying they only return back for 90 days. They are refusing to return {$840.00}. I 've called headquarters, and spoken to the Bank manager, but now I 'm hoping you can help. I feel I am being pressured to accept it or go through the extensive work to move everything to another institute. As a business owner, I have several tentacles wrapped into my XXXX accounts with Huntington. To move would be costly and time consuming. Can you help?
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Aldridge Pite, LLP (CA)

Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX and is requesting a foreclosure via Aldridge Pite LLP when it appears that approx. {$10000.00} of my funds paid and received as acknowledged by the Mortgage Servicer are unaccounted for in the escrow account. I want to know where the approx. {$10000.00} went. I do n't believe Aldridge and Pite LLP has been provided a true accounting of my mortgage balance or escrow account balance and are proceeding with a foreclosure based upon cooked books created by the mortgage servicer..
Consumer complaint received 2017-01-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I took out an installment loan XX/XX/2016 for {$1700.00}. They paid off the balance of my car which was {$600.00}. When I signed my final loan papers, my payback the was on the screen stated {$2600.00}. I was off sick XX/XX/XXXX and when I looked again, my total payment for this loan was {$4000.00}. I immediately contacted them and asked them why it went up so much and they said this was the original amount. I tried to pull up the original info I signed and it wa sno longer available. I asked them how could they possibly charge me almost {$3000.00} for a {$1700.00} loan?? The interest rate is almost 591.00 % which is ridiculous! But with loop holes being in the Ohio consumer loan process, they get away with predatory lending which this is. They offer a loan amount to those who have bad credit and then charge a high payback along with ridiculous interest rates and fees. My car was almost paid off and now I am back in the whole with a 10 year old care fore 3-4 more years.
Consumer complaint received 2016-12-06
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My husband and I were supposed to close on our home in XXXX, FL on XX/XX/<YYYY> An email was sent by, who we thought was our realtor, to my husband 's email address with the wire information : Bank Name : XXXX, XXXX, XXXX, PA XXXX Account Name : XXXX, XXXX Account # XXXX Routing # XXXX We transferred the monies over to that account at around XXXX ( give or take ), at which my loan broker XXXX me with the realtor stating that, that email was n't from her. I immediately contacted BoA to put a stop and filed a claim on this transaction. The wire amount was for {$26000.00}. 
On XX/XX/2016 the claim was closed because BoA had the claim open as a " check fraud '' claim. 
On XX/XX/2016 we re-opened the case to the correct claim. 
My broker 's risk XXXX has been in contact with BOA, XXXX, the FBI and we did file a police report as well. 
Apparently, XXXX has the funds stopped. BOA, and XXXX are not communicating with each other properly and everything has been on a hold since XX/XX/<YYYY> The closing was extended for a couple of days being that if the funds were stopped and if everything went well, we would have those funds back immediately, and we could close on our house. 
As of today, XX/XX/2016, BOA sent numerous attempts to collect the monies back from XXXX, and now were are at a stand still. 
On XX/XX/2016 XXXX emailed BoA back regarding the monies. 
On XX/XX/2016 BoA stated that we were in good standing with BoA and XXXX and everyone was cooperating. 
On XX/XX/2016 BoA told us that XXXX denied the request and BoA attempted to close our case.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

My mortgage servicing was transferred to Shellpoint Mortgage Servicing on XXXX XXXX, 2016. My loan balance on XXXX XXXX, 2016, prior to the service transfer, was {$290000.00}. After the transfer, Shellpoint recorded my loan 's balance as {$720000.00}, missing {$420000.00} in transactions that posted in XXXX, prior to the transfer. Working with them to resolve the incorrect opening balance took many phone calls and emails. The missing transactions were finally applied to my account on XXXX XXXX, 2016. However, Shellpoint recorded the missing transactions as having occurred on XXXX XXXX, 2016, resulting in accruing interest against {$720000.00} for the 16 days, about {$1000.00} more than should have been. I have made many attempts by email and by phone to resolve this issue. My emails have remained unanswered, and my phone calls resulted in a relayed message from a loan officer stating that the interest calculation is correct. I left a message with loan officer to return my call and followed up with another email. They are refusing to correct the dates of the transactions that occurred prior to XXXX XXXX, 2016.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am requesting the recordings Capital One holds of ALL conversations that took place between XX/XX/2016 to present. I 'm aware that all Capital One calls are recorded as stated by the Capital One employees, and I 'm requesting said calls due to the failed investigation and fraud that has taken place with Capital One. Please reference complaint submission, [ Case number : XXXX ]