davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute online when I logged into https : //usa.experian.com/login on XXXX and I included supporting documents for the dispute. The same day, I received an email from Experian that indicated that the dispute is opened. On XX/XX/XXXX, I received an email from Experian that indicated that they have made progress and will update me when the results are available. Later on that day, I received an email from Experian that the dispute is complete. When I logged in to see the results, It showed that Bounce AI remains and no updates were made. I contacted XXXX, who is part of the Experian, and he indicated that even though I initiated the dispute when I logged into https : //usa.experian.com/login with the uploads Experian doesn't see the uploaded documents. He proceeded with starting a new dispute while I was on the phone and told me to go to experian.com/upload and upload the documents related to the new dispute that he created for me which I did, and I received a message from Experian saying that the document load was successful. On XX/XX/year> I received an email from Experian that the dispute was complete and it said the same message when I logged in : Bounce AI remains and no updates were made.When I contacted Experian by phone toady ( XXXX ) and spoke with a rep named XXXX, she indicated that uploaded documents takes XXXX hours to show in their system but the docs were uploaded and available so why would Experian submit the dispute to Bounce AI without the supporting documents. She suggested that I submit the dispute again for the XXXX time which is at this point ridiculous. I received an email from Experian that indicated that a XXXX dispute for the same company has been initiated but I doubt it that Experian actually submitted the supporting documents that were available to them since last week.
Consumer complaint received 2015-06-26
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (TX)

I am currently trying to resolve a matter with PHH mortgage company. We 've have a prior run-in with them before and the CFPB was very beneficial in helping us. PHH illegally went to sale on our home in XXXX. Once we called them out and filled a complaint, they vacated the sale. They 're now they 're refusing review our request for loan modification on our VA loan and to stop a sale date on our property. The filing of sale was posted on XXXX XXXX and set for XXXX XXXX. 
PHH is stating that they will only postpone a sale if it is XXXX days prior to the sale date - the difference between XXXX XXXX and XXXX XXXX is XXXX days. This XXXX day rule would make it impossible to stop the sale according to PHH. 
We need your help to stop this action - we are working tirelessly with them to try to resolve this matter and they are making that as difficult as possible.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My home loan was modified by Ocwen Loan Servicing , LLC under the Home Affordable Modification Program XX/XX/XXXX. The modified payments included the loan 's principal, interest and an escrow account, and remained the same until XX/XX/XXXX for the payment due XX/XX/XXXX. This is due to the increase in funds for my escrow account. I was n't notified of this change. 

My escrow account is current. In fact, it had a surplus amount which is supposed to be mailed to me. I inquired about closing my escrow account, and was told that I can not do so because the HAMP guidelines suggests that borrowers ' accounts must be in escrow for XXXX ( XXXX ) years from the date of the modification approval. Is this true? 

Section 4D, Funds for Escrow Items of the executed Home Affordable Modification Agreement state that " Servicer may waive my obligation to pay to Servicer Funds for any or all Escrow items at any time. '' It seem that this statement contradict the information that I was given. Additionally, the executed agreement does not mention a XXXX year requirement period for an escrow account. Moreover, I was asked to google CFPB when I inquired about the HAMP guideline on the XXXX year escrow account period. What is CFPB 's relationship with Ocwen Loan Servicing LLC when it comes to my escrow account? 

Do I have the legal right to request Ocwen to close my escrow account? The loan account is in good standing, and the amount that they are now requesting to fund the escrow will cause financial hardship. Please advice. Thank you.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: RAB PERFORMANCE RECOVERIES, LLC (NJ)

I received a summons from RAB performance and I answered, paid the money and went to court when I received the court date. No one ever showed for this company and the judgement was vacated. It is still pending on my credit file and I am unable to obtain a mortgage. I am a single mom trying to provide a better life for my son. This has stagnated me. I am not even aware of the company XXXX any dealings hence me going to court to find out more. Please help me
Consumer complaint received 2015-06-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California (CA)

I called collection cosultants in XXXX Ca because a XXXX bill of {$420.00} pops up on my credit report. When I call to make payment the credit collectors say different amounts and will not take my {$420.00} payment but want close to {$3000.00}. This company seems very fraudulent to me and I asked them to produce records of the supposed debts and they will not comply. Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL (NY)

My complaint today is against Synchrony Bank for the lowes credit card. This is the second time i have applied for their card and they have declined me without merit. I believe that they are discriminating against me for my Age. I am putting in this complaint to make the CFPB aware of the illegal practices that Synchrony Bank is taking. They have no merit to decline me as you will see my XXXX XXXX Credit Report which is the report that they pulled is free of delinquencies and I have over an XXXX Fico Score. I am also attaching the Application Reference Number they provided on the XXXX XXXX Application.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I am executor of my father 's estate. My father had an existing mortgage loan through XXXX that was subsequently transferred to Bayview Loan Servicing 8 months after his death. The loan with XXXX was current at the time it was transferred to Bayview Loan Servicing. Bayview Loan Servicing received the mortgage and attached a {$200.00} late payment to the account which is unexplained. They refuse to remove those charges which I currently dispute. On XXXX XXXX, 2015, I made an online internet payment for the month of XXXX. A week later the available funds were never drafted from the designated account and Bayview loan attached a {$35.00} NSF fee to the mortgage account on top of the {$200.00} late fee payment that they insist that the estate pay. The NSF fee is because they were supposedly unable to locate the bank account ( not insufficient funds ). The funds were indeed available at the time. Bayview Loan Servicing said that they can not help or remove any of these fees. We are only 60 days into this relationship with this company and it is a headache. The negative reviews for Bayview is 85 % or higher. This loan servicer should be investigated immediately because their business practices and unexplained fees appear to be unethical. I am asking CFPB to step in and mediate and penalize where necessary on behalf of my father 's estate and other consumers who have been affected by their practices. I am thoroughly convinced that this company is violating consumer protection laws.
Consumer complaint received 2015-06-26
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: ALLY FINANCIAL INC. (CA)

XXXX is offered through Ally Bank, and through this service, I sent my daughter money thinking it 's safe to do so ( Ally payment # XXXX ). She, in turn, downloaded a XXXX app and entered her information plus a XXXX debit card number. She never received the money. In her conversation with a XXXX representative, she discovered that XXXX had completely different first XXXX digits of the debit card number ( wrong first XXXX digits were XXXX XXXX XXXX ) and only had the last XXXX digits correctly. XXXX asked me to file a claim with Ally Bank, but Ally Bank stated it can not help ( even though XXXX is a XXXX party product endorsed and made available by Ally Bank ). XXXX also asked my daughter to contact her bank and give them a XXXX Federal Reserve trace number ( XXXX ), but her bank says they can not help either. We asked XXXX to reverse the deposit that was made to the wrong debit card, but they said that can not be done. Ally bank states since XXXX deposited the money into the wrong debit card, Popmoney can also reverse that deposit. However, XXXX refuses to do so. I am thinking XXXX 's system may have been hacked. I have never seen anyone capable of typing first XXXX digits incorrectly but the last XXXX digits correctly. In addition, miraculously the wrong XXXX digits are part of a valid debit card number for some stranger.
Consumer complaint received 2015-06-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I was charged by Bank of America for an overdraft fee on an account which was not only ineligible for overdraft, but had funds in the account. This has been an issue in the past, but it has always been quickly resolved, due to its illegality. This time, I was informed there was nothing that could be done to resolve the overdraft and subsequent extended overdraft fees, leaving me with a balance of - {$53.00}.
Consumer complaint received 2016-01-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went to American bank to made a deposit of {$500.00} for my mama and the ask me for ID I believe need show ID if is over {$10000.00} I would like know if I 'm wrong and why I need show ID for that amount Thank
Consumer complaint received 2020-04-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (HI)

I was XXXX on the XXXX the people who did it used my face to unlock my phone than proceed to drain my bank account. Cash app  completely didn't care that I was XXXX  and XXXX  and that their app was used to do it
Consumer complaint received 2015-06-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (ME)

On XXXX XXXX, 2015 I received XXXX separate phone calls from a XXXX XXXX with Consumer Portfolio Services. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST which I answered. XXXX XXXX indicated that I owed a balance on my loan of around {$9700.00} and wanted to know how I would like to pay the remaining balance. I informed XXXX XXXX that I make monthly payments on the account. She seemed very confused and confirmed that I was making monthly payments and then said that my account had just been placed in her department and she was calling to introduce herself. She said if I had any questions to contact her at XXXX ext XXXX. The conversation ended with that. 
On XXXX XXXX I again received XXXX separate phone calls from XXXX XXXX. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST with another voicemail being left. I returned the phone call and spoke with XXXX XXXX which I informed her that this was the fourth call she has made to me in less than a week. She said that she needed to know when I make my payments. I told her that CPS services my loan and should know when I make my payments. I asked her if the account was past due and she said no at which time I told her that she really has no need to be calling me unless my account is past due. She said that my payments are inconsistent at which I responded that they are usually made within XXXX days of the due date. I told her I work XXXX hours a week and I 'm attending school for my XXXX degree so, yes, sometimes making the payment on the exact due date does not happen. I told her that I have had this account for almost a year and that no one from CPS has ever called me to indicate that there was any issue with how I make my payments. I informed her to not call me again unless my account falls past due.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE (CT)

I submitted my monthly mortgage payment to Primary Residential mortgage company via their PO Box address they provided. Payment was sent within the allowed time in XX/XX/XXXX to satisfy the XXXX 2015 mortgage payment. I contacted them on XXXX XXXX 2015 and asked if all was ok with my payment as they had not yet deposited it. They indicated they did not receive my payment and to send it again. I resent the payment with USPS XXXX and got XXXX confirmation. I called them and they acknowledged receipt of the check and indicated all was fine and not to worry. After a few more days, I realized the check still had not been deposited. They told me since the beginning it is not when they receive the check but when they actually deposit it that it then counts towards payment. This seemed ridiculous and a bit scary to me as what if they decide to deposit it after several days, even though they received it within the time frame ( before XX/XX/XXXX )? So, upon calling them again they said they could n't locate my check at the moment but would call me back as soon as they did. They offer no other payment options online, just by phone, but that comes with a hefty convenience fee. They finally located my check and I asked for a signed letter that I would not be reported to the credit bureaus as late and also not assessed a late payment penalty. They sent me a signed official company letter and an email about this assuring me this wouldnt happen. On XXXX XXXX they finally deposited the check after holding it all this time and receiving it XXXX XXXX. I was assessed a {$100.00} late fee as they indicated my payment was late and also reported me as being late to the credit agencies. I now can not obtain credit or make purchases with this. Ive contacted them by email several times and called and they keep promising me they will get back to me but never do.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo promised to collect {$300.00} Special Handling dept per XXXX to make XXXX consecutive minimum payments with the collections Department. When I call collections, {$350.00} is demanded. I advised of receipt of a letter from the executive dept stating min payment of {$300.00}. Collections connected me with special handling dept. A representative who barely spoke XXXX is telling me that XXXX is no longer with the company. No info regarding {$300.00}. 

I want to get on a hardship program. 

I was promised that if I make {$300.00} for 3 months in a row, special handling would give me the program. Now the collections just want to take a payment and not apply it to XXXX of the XXXX payments towards the program. I was lied to!!!
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I receieved a new card in the mail a few months ago. I tried to activate it online when I was prompted to call a number because there was an isue with the account. I called the number and was informed the account was restricted because it had been flagged for fraud. I was told in order to remove the restriction I would have to verify my identity as well as the identity of the co-signer on the account. I immediately informed them that I would not in any way be able to provide documents for the co-signer as I no longer have any relation to this person. I also informed them that I wanted this person removed from the account. I was told that this would be fine and that a link would be sent to my email for upload of documents for my identity. During this process several other calls were made to check progress, etc. during none of which I was informed that i would still need to verify identity of co-signer. During XXXX of the last few callsI made ( about 2 or 3 weeks ago I was informed the only thing we were waiting on was my proof of address. ) This was then sent in after which a few days passed by and there was still no response. I then decided to call and check progress, it was in this moment that I was informed that my identity had indeed been confirmed however they were waiting on the documents for the co-signer. I explained the situation to the person attending my call and was then provided with the extension number for the person working my case ( who by the way either just does n't answer the phone or is never in office, name : XXXX, extension number:XXXX. case number I was assigned by capital one is : XXXX ). I left several messages with this person to no avail. This morning I called again and still no answer, so I called back to the regular offices only to be told the same story, which at this point no longer bothers me ... .even though it is my account, under my name, with my money and I do n't feel, especially after they had told me it would be fine, that I need to verify any other identities besides mine ... ... .what bothers me is that they wo n't even cancel/close the account. I am being forced to have an open credit in my name which I can not use and have no access to.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2015-05-27
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A debt collector, Portfolio Recovery Associates LLC ( PRA ), has been attempting to collect a debt arising from a debt I allegedly owe XXXX XXXX from about the year XX/XX/XXXX. 

Prior to XX/XX/XXXX, PRA had made numerous phone calls to my home phone. Most calls went to my voicemail ( often no message was left ). 

On XXXX, PRA called me again, this time I answered. After the caller identified himself and the alleged debt he wanted to collect, I informed him that I was NOT willing to make payment on XXXX XXXX 's behalf, and to STOP calling me about this matter. 

On XXXX XXXX, I wrote PRA a letter stating that any further collection attempts would not elicit any payment from me, and directing PRA to stop communicating with me about this matter, regardless of the form of communication. I sent the letter Certified Mail, and verified with the XXXX Postal Service that PRA received the letter on XXXX XXXX. 

On XXXX XXXX, I received via XXXX a communication dated XXXX XXXX from PRA again attempting to collect on behalf of XXXX XXXX. Please note this is AFTER PRA received my letter on XXXX XXXX.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX my Bank of America credit card was assessed an annual fee of XXXX dollars even though I had been a credit card customer in PERFECT STANDING since XXXX never having missed a payment nor ever being late on a payment. 
Bank of America has targeted a small group of their credit card holders and punished them with annual fees even if they have never been late on a payment. The only choice they gave me was to either cancel my card or accept the annual penalty, in either scenario my credit rating would have been harmed even though I was never late on a payment. This seems unethical to me since I never did anything wrong with their credit card. I recently asked them to stop charging the annual XXXX dollar fee and they refused. Bank of America has come up with a sinister method for raising the annual interest rate on their credit cards by imposing a XXXX dollar annual fee.