davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: U.S. BANCORP (OH)

I have been a US Bank account customer for about 10 years. I believed most of the 10 years I paid and used the account with no problems. However due to a decrease in my income I sought help with US Bank and they said they were n't able to help lower my interest and or my monthly payment. I sought assistance with XXXX XXXX, a debt management company. XXXX XXXX charged me a fee of {$30.00} and I sent the fee along with the monthly payments they negotiated with the banks. However, after paying XXXX XXXX, I learned that my payments were not being received timely to my accounts, and that I was left with zero to even pay my necessary bills. I cancelled my contract with XXXX XXXX and contacted all banks myself. I was able to acquire a more reasonable payment plan and lowered as well as ZERO interest rate from the banks, except US Bank. US Bank claims that I can not cancel my agreement with XXXX XXXX and that I am required to pay US Bank the same amount {$190.00} that was negotiated by XXXX XXXX. In order to keep my home and not default on the mortgage, real property taxes, and homeowners insurance, I send US Bank what I am able {$150.00} which is actually more than what I can afford. In addition to my decrease in my income where I was forced to retire XX/XX/XXXX since my employer eliminated my job position, recently XX/XX/XXXX I was diagnosed with XXXX XXXX. I had the surgery on XX/XX/XXXX for removal of the XXXX. I have been trying to get US Bank to consider my situation before I have come to CFPB for help. I am in dire straits now as I only have {$11.00} in my bank account and I have had to go to the VA hospital for my follow up XXXX appts and I am feeling like things are very bleak. I do n't know how things are going to turn out now. I believe that US Bank is holding me to a contract I made with XXXX XXXX and this is not right. Please help me.
Consumer complaint received 2015-05-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (IL)

PHH yet again denies us due process to receive fair access to assistance under any program in its considerable power to secure, commensurate with our need, particularly concerning Loan # XXXX. It is clear PHH is committed to continue, unabated, the practice of serial omissions and repeated failures intentionally designed to subvert fair and equitable services rendered in response to any hardship affidavit we might submit. Certainly the varied and detailed descriptions of our hardship condition ( s ), you dismiss even now, submitted on your demand, in formal application of a reasoned repayment plan, Forbearance or HELOC Refinance ( modification ) programs, plans readily available even prior to our early attempts to obtain a realistically structured solution, are adequate to your need - you provided written acknowledgement the hardship affidavits, detailed household expenditure submissions, tax transcripts and federal filings received and in your possession were adequate to complete several previous application packages concerning Loan # XXXX ( and # XXXX ) free of arbitrary or capricious currency limitations, the applications denied apparently by use of whimsical fancy, without fact based application of any information demanded we provided ; PHH betrays a committed resistance to any serious effort to evenhandedly administrate any program available, based on the financial and budgetary facts we submit ( ed ) representing an accurate debt ratio assessment. PHH demonstrates an interest solely in drawing out the process in hope to cause, discover, and/or exploit any infraction occurring as a result. 

We, along with XXXX XXXX, have cause to believe, based on evidence of the conduct by all operatives, representatives, agencies, and consigns working on behalf of the company encountered during this process, PHH does not intend to cease engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and, PHH remains in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by continued engagement in deliberate acts of harassment, the cause of undue emotional distress ; and, continued policies and practices of resistance to full disclosures, negligence, intentional " stonewalling, '' and refusal to honor requests for response to correspondence, and fair and open exchange of substantial information, important to achieve mutual understanding of facts in evidence, to establish the common ground and good faith required to reach just and equitable solution ( s ) or compromise ( s ).
Consumer complaint received 2015-08-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Lancaster County, Inc. (PA)

After Credit report disputes the Credit Bureau of Lancaster County , Inc . 
( XXXX County PA ) Is unable to provide an agreement of services or any signed document of a XXXX $ bill that is showing delinquent on my credit reports. 
They did however request that I pay the bill and request that it be removed from my report. I refused to acknowledge the debt. 
This is not a debt that I agreed to nor did I authorize. 
I was willing to actually pay it if it were completely removed from all XXXX major credit reporting agencies of which the Credit Bureau of Lancaster County , Inc . Refused.
Consumer complaint received 2015-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GLA Collection Company, Inc. (IN)

i did not receive a right to dispute letter from them within 5 days of beginning collection NOR have I received evidence from them that this debt is in fact mine. I have asked them repeatedly for over a year! This is obviously how they treat consumers and their rights. I have been asking this collection agency since XXXX/XXXX/2014 to validate the debt they report on my credit report and they refuse to answer while they continue to verify and report on my credit report. I have tried to look them up on the licensing board but I can not even find out if they are licensed in this State. 
I 've asked them simple questions which they do n't answer any of them. They obviously do n't care about following consumer laws. 
They are damaging me financially. They are the only collection on my credit reports and they are stopping me from getting credit that I need.
Consumer complaint received 2015-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (WA)

I am requesting that Experian immediately update and correct the address listed on the Experian Credit File to read : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to correctly identify me in their system.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo is refusing to remove data from our credit report. Wells Fargo reported we were late on a mortgage payment after the loan was paid off in full. We were specifically told to make no further payments to Wells Fargo. 
Their action has severely damaged my family 's credit.
Consumer complaint received 2015-05-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I XXXX contacted XXXX by certified letter in XX/XX/XXXX requesting debt validation including : Name of the original creditor, including account number. 
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
XXXX responded with a letter dated XX/XX/XXXX on company letterhead just stating that they are unable to determine the nature of my dispute and that they are closing the investigation. None of the information I requested was provided. I contacted XXXX as a final attempt by phone sometime around XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. 
Copy of the contract that states I promise to pay this back from the original creditor. 
I was told by XXXX 's collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections which he said was XX/XX/XXXX. I am confused by what he said. I am simply asking XXXX to provide me the information I requested to complete my validation.
Consumer complaint received 2015-05-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Well Fargo will not/refuse to send the trms of my loan. While in bankruptcy, Wells Fargo agreed to do a modification with me. Bankruptcy lawyer agreed and I agreed, so I made the XXXX payments on time and continued until XXXX 2015 Wells Fargo stop taking my payment and could not tell me why, so now I have to file bankruptcy again because they are sceretly trying to take my home away from me. I am humilited, frustrated, and depressed. Is this the way they do business ; saying I was a fraud, is this XXXX ... what is this and why is this going on, again they are ruining my livelihood and my credit. The Home Preservation Specialist Department, I can probably name at least XXXX or XXXX if not more. They made a mistake admitted to the mistake and will not own up to it ; I have documentation. Am I an XXXX to them, well I think so for even doing business with them in the first place the whole department need to be fired and have dedicated workers that will work for the people, they are there for a paycheck not to help people. Wells Fargo gets up every morning " whose life can we ruin today ''. I have all ready faxed this information to you and since then I have received more documents. My home is not in foreclosure, but I have file for bankrupcy again. You all ready have these documents.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and my husband I and recently sold our home in XXXX 2015. When I contacted my credit card company, XXXX account ending in XXXX, to update my new address it was misinterpreted. Instead of XXXX recording my address as XXXX, PA, it was recorded as XXXX XXXX. Not only was I not aware that my address was incorrect with the company, I never received my new credit card or my XXXX bill that was sent to the wrong address. I was not even aware that XXXX XXXX XXXX was the name of the new company as a result of their merger. I only realized that there was a blemish on my credit when my husband and I were applying for a loan for our new home. As you can see from my past history payment on my XXXX XXXX account I have very good history of paying my credit card on time. I am asking that you please look at this unique situation of our moving in XXXX, the credit card company having the wrong address and as a result we missed a XXXX payment and received a blemish on my credit score. I spoke with customer service at XXXX XXXX XXXX today, XXXX XXXX, 2015 and they made notation of this situation on my account. I am humbly asking you to please consider taking this off of my credit score. This missed payment would not have occurred if we had not moved and my address was correct. Thank you in advance for your time and effort given to this situation.
Consumer complaint received 2015-05-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

There are banking irregularities at XXXX Bank, the spawn of XXXX which was fined for banking fraud issues. I experienced intolerable delays while trying to fund XXXX XXXX IRA 's for myself and wife.The money was being transferred in from XXXX different sources and was to be placed in a money market CD accounts until funds were received. Customer service was horrendous. When the funds arrived, I was told they would remain in the money market accounts until I directed other wise. Because of the customer service issues, they were told XXXX to leave it in XXXX account status. The fact that they had no idea where it was supposed to go was incredulous! That 's how the conversation with them began. Do they think I 'm moving money around only to later figure out what to do with it? I took steps to get the money out. About the time the money was to come out, I learn that the bank has placed my account in an XXXX month CD! They want me to pay a penalty to get it out! They have been floating themselves a loan at my expense and now want penalty money! There is a total lack of communication at the customer service level. The problem for them is that my wife 's account was transferred out to the new bank! This is correct, but how does this happen simultaneously? I was personally giving direction for all funds simultaneously. Complicate all this with their online security issues and gaining access to your account! We could n't get into my wife 's account all weekend. Hideous is the only way to describe this experience. Or perhaps people at the top of the bank XXXX XXXX of dollars of funds around to take advantage of float. Every delay worked to their advantage. Multiply this by XXXX of XXXX funds containing XXXX of dollars. Something rotten is going on at Synchrony.
Consumer complaint received 2015-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on TransUnion credit report. I have never been employed by these companies. I am requesting that TransUnion immediately remove the unknown names of Employers listed on my credit report. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian 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 XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX 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 : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (NJ)

A few months back I received an offer from American Express to convert portions of my Gold Card charges to a pay over time feature which would allow me to pay any charges over {$100.00} over time instead of the total balance at the end of each billing cycle. I was informed, upon the receipt of my first bill, that the balance of my Gold Card, prior to signing up for the offer would not be transferred to the pay over time billing. Thus, I was now on the hook for over XXXX which I never expected and my account is delinquent. This was never disclosed or explained to me when I took the offer. It was my understanding, as per Amex 's disclosure to me, that the portion of the balance that included charges over {$100.00} would be transferred to the pay over time feature. In addition, I am now receiving nasty letters from American Express, a suspension of my account and a reduction in my credit score. I contacted Amex in an effort to resolve this and spent 80 minutes on the phone with XXXX different people. I told them it could easily be resolved by transferring the balance to the pay over time feature like I thought it was originally going to do and that I am in the current predicament because of their inadequate and vague disclosure relating to the pay over time offer. I spent 80 minutes on the phone, with XXXX or XXXX different people who ran me circles and pretty much told me that they could not help me and that there was no one who could. I have always had an outstanding record with Amex but at this point I am disgusted at the fact they can not resolve a situation I feel they caused.
Consumer complaint received 2015-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: VeriCore, LLC (ME)

Vericore sent me the following in a email threatening to contact third parties about my debt which is not a confirmed debt. I have asked that they send me the information thru the mail and they continue to email me with threats They wrote this : For disclosure purposes, I must advise that such action includes but is not limited to contacting state regulatory agencies such as the Maine Secretary of State, ( to investigate any licenses, certifications, UCC filings, judgments, tax liens, and verify your corporate charter ), your current bank and current bank officers, ( to investigate any open lines of credit, average daily balance of the operating account, and to verify if the your company is capable of obtaining a line of credit to satisfy its obligation ), all secured creditors and any vendors listed on your credit application ( to verify what terms you have been extended, inquire about any past due balances or recent payments, etc ), as well as the local tax assessor or your current landlord, ( to determine if you are current on your property taxes or rental lease ), XXXX, and the local XXXX.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (LA)

My mortgage lender started foreclosure proceedings then stopped short of a sheriff 's sale.then they turned everything over to a company called ocwen a debt collection agency. my husband and I purchased the house in XX/XX/XXXX as a retirement place for the XXXX of us. they also sold us an insurance policy that would pay off the house in the event one of became deceased. My husband became ill and later passed away.I contatcted Option 1 the mortgagor at that time as well as the stated insurance company I sent the death certificate I was told that was not what the policy was for.Fimally icould not make the payments without my husbands income the house would sale for what was owed on it.They would not allow me to return the keys in leiu of foreclosure I moved into my sisters home as I could no longer pay nor could I maintain.. XX/XX/XXXX I submitted a hardship affidavit and they allowed me to list the house with a realtor they will not accept any offers citing the are too low.In the meantime they continue to harass me for money I do n't have.I afraid to answer the also send several letters a month with ever increasing demands for payments. 


















they want over XXXX XXXX dollars amonth at this time.I do n't have the money I do n't know what to do I made my last payment XX/XX/XXXX.that was the last of the insurance money from my husbands death.the house is empty and still in mine my husbands name.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing , LLC, who I have written to and phone refuses to send me a receipt showing that my XXXX 2015 Mortgage Payment and Escrow Shortage have beenpaid in full. I paid both of these in " Advance '' XXXX XXXX. They still till me that my next payment will be higher in XXXX. I asked them adjust the payment to reflect and they have not done so. My first contact was on XXXX XXXX 2015, at which time the Agent # XXXX said they needed to collect a higher payment. I have cooperated and done everything they asked of me. I requested a Loan Analysis which I received. They refuse to send me a receipt saying it is not possible to do so. I did not receive notice that I had a Mortgage Shortage until they raised my payment. Also they sent me a Escrow Shortage Coupon after the payment had been sent. Even though they gave me a verbal, not a written that they received the payments, they still require me to send in a coupon. I sent today and once again asked them in writing on their coupon to make the requested adjustments.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I initiated my fraud claim regarding account XXXX since 2011 with complete criminal fraud police report and supporting documents, those proofs that the affidavit took place supporting my position. However, Chase was never to respond in writing, was damaged my financial reputation. I had to requested re-initiated my fraud claim and requested Chase response with writing about the investigation status. Again, Chase did n't provide any written notice when they received my re-initiated claim requests in written over 30 days. I tried to contact with the investigator and cardmember service, they info me that their system did n't show updating status over phone. I have to spend over a hour to repeat my claim with different representative, however they did n't provide any status update. The investigator did n't reply my call since she received my additional supporting documents those proofs that I were identity victim.