davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NC)

On XXXX XX/XX/year> I wired {$22000.00} from Wells Fargo Bank into an account with XXXX  XXXX XXXX. I was informed by the person I sent the money to that the funds were not available and that the account was closed. I then called Wells Fargo and opened a complaint because I was told by my bank that a reverse transfer could not be done. 
I continued to call Wells Fargo every other day to ask for status only to hear excuses and that it would take 10 days. After the ten days of repeated calling, my case was transferred to a different office ( escillations ) and they added 10 more days to my complaint and still no money. All this time and never received any information or formal communication from the bank. On XXXX XX/XX/year> I received a call from a third office who told me there was a new case # and I would receive written communication NLT XXXX XX/XX/year>. 
I have a bad feeling that I will never see that money again. 
XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AL)

Good day, can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours, receiving harassments from a multitude of communication platforms and with different tactics, I never dreamt of eating threats of legal action for breakfast. This is really insulting to me as a law-abiding citizen, having my rights as a consumer blatantly violated. It's taking a toll on my XX/XX/XXXXhealth and it's also been days I've been having sleepless nights.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc. (FL)

A few weeks ago I contacted company name PaySafe to open account for my business so I can receive payments from credit cards. I provided them with all information they asked and my account was opened. As soon as I received a payment in amount {$9900.00}. I received and email from them that they need some additional information and they not transferring money to my company bank account. I provided information they asked. And received answer that they closing my account and I need to issue refund to my client in other way after closing my account money will be hold for 180 days. I issued the refund and received receipt. But my client never received that money even that saw refund in pending on their merchant account. After that they never received refund. I got in contact today XX/XX/XXXX ( refund was issued on XX/XX/XXXXXXXX  account closed on XX/XX/XXXX ) spent an hour explaining situation and received answer since account closed they have money on hold for XXXX even Ive made refund before they closed my account. And there is no way to refund money. First when I called them to figure out why they closing my account explanation was that they dont like structure of my business. Today on XX/XX/XXXX Ive been told that the amount of transaction was more than {$7000.00}.
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Complete Professional Recovery LLC (KS)

XXXX went into collections on an account that I created. Collector from collection agency called and asked to speak with my husband and stated that he was the responsible party for the debt and she wanted to speak with him. I advised that I was the responsible party and my husband was not listed on the account. She advised that he was since we were married. I advised that I did not consent to information being shared to him and I did not want him contacted. Collection agency sent the bill to husband and addressed it to him. I did not give authorization for him to receive information about my account. Collector said it did n't matter and she would speak with my husband.
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I made a purchase for XXXX XXXX once with bank account which takes 5 to 7 days to clear the second charge for XXXX XXXX using my debit card linked to the same bank account the first one ended up being a NSF and coinbase credited my account anyways. so I spent both of the XXXX XXXX I purchased and only paid for 1. Ok so now coinbase disables my only options to pay this back I can not buy, sell, or withdraw. meanwhile they accept payment addressed to me and hold it for ransom. they have a support request that goes unanswered they have a support number which basically is someone who can do nothing but say they are sending your case to a specialist while holding your money in limbo. I want my money back asap they can take what I owe just give me my money .Attached are photos XXXXXXXXXXXX in reference to Case # XXXX =
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

To whom this may concern, I 've been trying to resolve XX/XX/XXXX XX/XX/XXXX the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account.

The Credit Bureau ( Experian, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

To whom this may concern, I 've been trying to resolveXX/XX/XXXX XX/XX/XXXXthe multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, Equifax & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
Consumer complaint received 2024-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (PA)

A mortgage assistance request was started in XXXX of XXXX and after the first XXXX trial payments were made ( XXXX, XXXX, XXXX ), in the amount of {$870.00} a month, the agreement would start. XXXX 's payment was late and the payment was not accepted when trying to make it up in XXXX. When I contacted the mortgage company in XXXX, the representative informed me that I had to go through the application process again. In XXXX of XXXX, when I opened a forbearance request, through XXXX of XXXX, I submitted the documents requested by the mortgage companies online website. I remained diligent to viewing my online status which showed " pending ''. In late XXXX, when I didn't see a resolution, I reapplied for mortgage assistance. In late XXXX as I continued to view the online status, there was a correspondence that said supporting paperwork was missing and the timeline had been exceeded, the status still showed pending. 
During this time notices were sent from the law group stating that any pending action i.e. foreclosure sales were postponed. This continued with me viewing my online status and no communication until the end of XXXX when I reapplied for mortgage assistance. My online status continued to show pending. 
Then on XXXX seventh, my wife received a visit from a man who said he had just bought our home the day before. My wife was visibly upset and in shock. We received no registered mail or sheriff notice prior to the sale. We then contacted the mortgage company who only confirmed that the house was sold. We have viewed similar complaints online with our mortgage company and other clients in very similar situations.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Hi, I have made several attempts to resolve this inquiry issue with the customer service reps at experian and they have refused to help me remove these negative inquiries. 
This is a list of the fraudulent inquiries 1. XXXX 2.XXXX XXXX 3.XXXX 4XXXX XXXX XXXX 5.XXXX 6.XXXX XXXX XXXX 7XXXX 8XXXX 9.XXXX XXXX XXXX 10.XXXX 11.XXXX 12. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

My account with ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (ME)

When I opened an account with XXXX XXXX of XXXX, I was advised the account would remain open with them as long as a payment was made or a purchase was made at least once every two years. 
Recently, however, XXXX decided to outsource the managing of their accounts to a third party bank, XXXX XXXX. XXXX XXXX has numerous complaints about them online, and I 'm not sure why XXXX partnered with them to begin with. 
To make matters worse, when they transferred my account to XXXX, XXXX reported to all of the credit bureaus that the account had been closed with them. This caused my line of credit with XXXX to disappear, and my credit card utilization skyrocketed as a result. All of this happened without my being notified, and it happened as I was applying to cosign a loan. Fortunately, the loan was still approved, albeit at a higher interest rate. 
I attempted to contact XXXX customer service numerous times, but their system transferred me to XXXX XXXX XXXX  customer service each time. 
This was a terrible customer service experience, and I do not feel I can trust XXXX moving forward. I would encourage everyone to avoid XXXX at this point unless they plan on being more transparent and better customer-service oriented in the future.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

My wife received a XXXX debit card w/ {$150.00} as a gift during her XXXX XXXX XX/XX/XXXX. We never got around to using it until i opened the card XX/XX/XXXX. Upon opening the card and setting the card for activation, i learned that in addition to {$6.00} in dormancy fees, another {$130.00} in unauthorized debits were made to the card. I followed the dispute resolution instructions, received a new card, and now i receive no info as to the status of reinstating the embezzled funds. The phone number i am referred to for follow-up inquiries instructs one to leave messages for a call back. 4 times i have done so without response. Moreover, i have once waited 2 hours and 37 minutes for a live operator only for the call to be disconnected.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OK)

Hello my name is XXXX XXXX  
My OCWEN acct number is XXXX & XXXX This house I purchased XX/XX/XXXX when I was not making money but I was approved to buy a house and without any down payment or cost fee I was sold a house that also was structural damaged has foundation problems at that time as a buyer I was not protected by the law it wasnt require to bring and engineer or an inspector to approved the loan base in the condition of the house. Now that Im in the other side I want to sell it and now there is more protections for the buyers. I need help Im begging for help and I really hope I can get some help. For more then 12 yeas I have paying 2 mortgages one with 10% and the other one almost 8% I need you to help me to put it only in one loan and make it affordable to pay the mortgage we are a low income family trying to make it. Now with my wife ill Im the only income. Help us please I beg you. I really want to avoid foreclosure and ocwen doesnt work with us.

Sent from my XXXX

Sent from my XXXX

On XX/XX/XXXX, at XXXX XXXX, CFPB  wrote:

CFPB Header 

Your complaint has been sent to the company.

XX/XX/XXXX
Hello,
Thank you for your complaint XXXX about OCWEN. We've sent your complaint to the company for their response.
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint.
You should receive a status update within the next 15 days.
The complaint process involves 6 steps. Step 1 is complaint submitted. Step 2 is review and route. Step 3 is company review and response. Step 4 is complaint closed and published. Step 5 is consumer reviews response. Step 6 is analyze and report. Step 2: Review and Route is currently selected.
Summary of your complaint
Complaint number: XXXX
Date submitted to CFPB: XX/XX/XXXX
Date sent to company: XX/XX/XXXX
Product: Mortgage
Issue: Struggling to pay mortgage

What happens next?
Here's what will happen during the next 15 to 60 days:
The company has 15 days to respond and up to 60 days to provide a final response.
You can keep up to date by logging in to your Consumer Portal at https://portal.consumerfinance.gov/consumer or calling us at (XXXX) XXXX.

Thank you,
Consumer Financial Protection Bureau
consumerfinance.gov
(XXXX) XXXX XXXX XXXX
More about our complaint process: consumerfinance.gov/complaint/ or call (XXXX) XXXX
For legal assistance visit the Legal Services Corporation website: lsc.gov
Additional financial information and resources: consumerfinance.gov
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On or about XX/XX/XXXX I attempted to login to the credit reporting agencies in order to increase a credit card limit. My spouse and I were making plans to relocate to another part of the state for health reasons and were in negotiations to purchase a home and needed to increase the limit to cover the cost of the moving company as well as temporary housing and storage. My request to increase my limit was denied because of a credit freeze that was provided me as a result of some info breaches. 

The email ID used to login was one that I had established long ago with our internet provider at that time. From that point on the ID was under the total control of the credit agency. It could not be changed by me. I had been notified by the internet provider that the email would eventually be deactivated if I discontiued service with them. When I moved outside their service area in XXXX to this state I could no longer make use of their service because of a lack of coverage. The email ID was deactivated sometime between XX/XX/XXXX and XX/XX/XXXX. As I said... the email ID used as a login to the credit agency was under the total control of that agency. I had no means to correct it. In fact, the only check made by the agency is whether the email ID is valid or not. No due diligence to verify why an ID that was valid a few months ago was no longer valid. Whether that failure in oversight was a result of incompetence or malice is irrelevant. The effect on me was the same. In fact, after 3 tries to login a fraud lock was added to my credit freeze. 

As a secondary login requirement the credit agencies require a phone code response. Just like the email ID the phone number is totally under the control of the agency and can not be modified by me. That number was one that I had for a long time but the cell provider did not release my cell phone number as they are required but there is no penalty if they do not do so. At this time it has been reissued to a different party and I am using a new number from a different carrier. 

As a result of these actions or inactions by the credit agencies I can not obtain a lease on an apartment or a storage facility. I can not incur a mortgage loan even one as simple as a swing loan. I can not make use of the government login system which means I can not access my XXXX XXXX, my SS, XXXX XXXX, my IRS accounts, etc. My current gov login has been deactivated pending a reestablishment of my identity. In effect the credit agencies have stolen my identity. 

I had already made plans to establish health coverage in my new area and in fact were scheduled to have my initial contact with him during XXXX. I have been forced to cancel that appt. 

The lease on my current apartment expires in XXXX and I can not renew it. The apt mgmt will allow me to do a month by month renewal for a limited time but it will involve an additional rent. 

We have not yet decided whether to file a fraud complaint with the FTC. It is likely.
Consumer complaint received 2017-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (OH)

My mortgage fell behind due to loss of my job in XXXX XXXX. I was provided a settlement offer on XXXX XXXX in which I wired the amount requested to reinstate within the time they had given me noting that the next regular payment would be due in XXXX. The house went into foreclosure on XXXX XXXX XXXX the letter was dated XXXX XXXX XXXX and funds of {$2000.00} were requested via wire transfer by XXXX XXXX. The funds were wired on XXXX XXXX XXXX in the amount of {$2000.00} to Round Point Mortgage Servicing Corp.  They sat on the funds until XXXX/XXXX/XXXX when the wire was transferred back into my account. In XXXX of XXXX a letter was then sent stating they put the incorrect year and amount for the reinstatement. Since then I have spent months trying to get to get this loan through mitigation and a package complete. They mail letters that take XXXX days to arrive and in XXXX the sheriffs sale notice was served. I have called in every other day since XXXX trying to get a complete package for review. My initial application was submitted on XXXX/XXXX/XXXX to Roundpoint. I have spoken with at least XXXX different reps and only twice to the rep assigned to my loan. I am now hoping that they can complete their review in time to stop the sale on my house XXXX/XXXX/XXXX. I have been in my home since XXXX and never have I ever encountered a mortgage company that could not provide service quickly and accurately. Half the time I send email and only half of a 30 page pdf is received I have resorted to adding all of the folks I have talked to plus the mitigation email address on the submission in hopes that one of them will actually process all of the paperwork. You can not get management on the phone even if you request to talk with someone. I have gotten ONE returned call out of 8 requests. My mitigation package was noted as complete finally on XXXX/XXXX/XXXX after months of re submissions and letters of explanation or reapplication due to expiration of previous application. This has and still is an ongoing nightmare and as of today XXXX/XXXX/XXXX they can not tell me if I have been approved for anything and they can not guarantee that my home will not still be sold on XXXX/XXXX/XXXX. There is no escalation process for review and I have been told that on at least a dozen occasions now by the reps at RoundPoint. Due to the systems and process that they ( RoundPoint ) have in place I fear that I will lose my home on the XXXX of XXXX and have nowhere to turn for assistance other than an attorney at this late date. I have never had anyone take this long to review and approve loan information. This is deplorable and I feel that because there is equity in my home that I am not being pushed through because they stand to make more money on a sale than I currently owe.
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

I began going to school part time in XX/XX/XXXX. At that moment, Nelnet decided to put my loan payments in deferment. They did this without my consent and only attempted to contact me through their messaging system. I noticed and began repaying these loans in XX/XX/XXXX, but I had allowed 7 months of extra interest accrue. In XX/XX/XXXX, my total loan amount was {$32000.00}, by XX/XX/XXXX it had grown to XXXX due to the interest on my loans. If I had continued on my regularly scheduled payment plan by XX/XX/XXXX my balance should have been around {$30000.00}.