davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (TX)

I received a bill from the tax assessors office stating that the taxes on my property had not been paid and are over due, nearing litigation phase. I promptly call to confirm and indeed they had not. I asked if the interest and fees can be waived and they can not, stating that just because you do not receive the bill does not mean anything, it was still my responsibility to pay the taxes. To avoid further fees I paid the tax bill with penalty and interest in full. I then called PHH mortgage company to as they reimburse me for the penalty and interest fee and they needed to see the paper work. I sent them all the paper work I had and said I should hear back by Friday ( now Monday ). I did not hear back so I followed up the following Tuesday. Which is when I was informed they would not reimburse me for the incurred fees. The problem being that the property being a duplex which I reside on one side of ( but own both sides ) has two parcel numbers. It has always had two parcel numbers, but the escrow just pays one account. Both parcel numbers have been on the previous year billings. Long story short they only paid half of the property taxes and will not reimburse me for the charges which arouse from their mistakes.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

Within the last few days, issues have happened with XXXX. 1 issue is that my phone number is associated with an Ally account, and as POA in two people 's sets of  accounts at XXXX XXXX The sender from XXXX tried {$100.00} to me with my cell number and it didn't even ask which account to send it to, it automatically chose a XXXX account. It was supposed to go to Ally and it hasn't yet. 

The 2nd issue is that XXXX took 3 days for my first XXXX money sent. Yet it took the money out and held it back on day 2. They need to fix these communication issues with XXXX.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Consumer complaint received 2018-07-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

After 15 attempts to submit a dispute online I am reaching out to the CFPB to facilitate a review of Equifax 's on-line dispute system. Equifax systematically requests personal information for identification then claims the information provided does not correspond with their information and their system kicks you out so that you have to submit, repeatedly, the same information, over and over again. They wear you down so they won't have to do an investigation. Criminal. They are preventing the process of removing erroneous information from personal credit reports that can effect a person 's ability to get a loan, job or positive reference for employment. They need to be held accountable for their punitive actions.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2018, I submitted a fraud claim to Bank of America because my lost debit card had been used for fraud. The claim was for {$510.00}. The bank credited me the money back immediately. Three months later, on XX/XX/XXXX, the company abruptly withdrew the funds from my account, the day before rent was due. Not a single person reached out to me in regards to my claim and I assumed that it was finished when all of a sudden my money disappeared. I looked into my account and saw they had denied it, but did not say why. When I called, they claimed that " one of the fraudulent transactions was a PIN transaction '' which is impossible. The charge in question was done in a city two hours away from where I live, and I provided documents to them proving my whereabouts for the entire day that day. No one on earth knows my PIN.

I have been a customer of Bank of America for 8 years. When I try and speak with someone on the phone regarding my claim the wait time is over 90 minutes every time, and the person never has any answers. According to them I am not allowed to speak with the investigator regarding my claim. I went into a branch for help and they told me they are not able to help me either. I went to my local police department to file a police report and they told me that since the crime occurred in another city I can not file a police report. When I opened a Bank of America account I was told fraudulent charges were protected, now I feel victimized. Bank of America clearly did not do a thorough investigation because their findings were false. It is now my job to prove my innocence.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (IL)

sent 2 certified letter on XX/XX/XXXX In-Transit, Delayed XX/XX/XXXX at XXXX XXXX In Transit to XXXX XXXXy On its way to XXXX, FL XXXX also a certified letter XXXX was delivered on XX/XX/XXXX the letter stated any correspondence to the letter should be in writing by a form of letter. sent to XXXX XXXX XXXX card. the repeatedly phone calls continued.. 

this is the email that I received today XX/XX/XXXX It's important that we get in touch today. 

Pay your past due balance on your XXXX XXXX XXXX account online or call XXXX for assistance. 


Your account is now being handled by Synchrony Bank. Please contact a representative today at XXXX to discuss your payment options. 

Account number ending in XXXX LOG IN AND PAY i did not receive the notification by mail in a form of letter.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY (NJ)

We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from AMEX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an AMEX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they?

The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from AMEX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.
Consumer complaint received 2018-07-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (NY)

statue of limitation is over on this company, because the statue of limitation being over, they sent me a letter that they were not allowed to communicate with me any longer. Im still receiving letters from this company after they sent me letter stating they couldn't because of statue of limitation.
Consumer complaint received 2018-07-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (MD)

I disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$360.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, not a word from this company, they failed to provide me any viable evidence or documentation bearing my signature that I have a contract with them. See attachments of proof of my one-sided interaction with this company. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, still no response. This inaccurate information is still reflecting on my XXXX and XXXX credit report. Haven't gotten a phone call or a letter of any kind from this company acknowledging that they've received my complaint letters. This is illegal and unethical on their part. They're in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (WA)

I purchased 1 XXXX  treadmill with a grand total of {$3600.00} that included 0 % APR for 24 months and financed it through XXXX ( order # XXXX XXXX. They then put two charges on my account, one for {$35.00} at 0 % interest for 18 months. The second charge for {$3600.00} at 0 % interest for 24 months. This means the {$35.00} will expire before the larger balance which has 24 months of 0 % interest and I will then be charged 30 % interest on the lesser amount for 6 months. 

When I contacted TD at XXXX ( they are the loan issuer ) they claim this is correct. We have a receipt to prove otherwise.
Consumer complaint received 2018-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

This has to do with a money order loan payment that was posted on XX/XX/2018. This payment was for the month of XX/XX/2018. The amount of the money order was for {$860.00}. Ally posted the payment incorrectly as {$960.00} and the money order was reversed. The payment was not returned to the bank, nor was it returned back to us. Ally keeps on calling us and stating we are past due. We can't get an answer from them telling us what happened to the payment after they put the amount incorrectly. They did not mail it back to us, nor does the bank that issued the money order have it. I just got off the phone with them for the 5th time and they can't give me an answer of what happened to the payment! They now have posted a late payment on our credit report. This payment was not 30 days late! I want to know what happened to the money order and when it was pointed out to them that it was their error, why wasn't it fixed.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

On Monday, XX/XX/XXXX I received a notice in the mail from Experian alerting me that " within the last 30 days, changes to your name, address or Social Security Number have been reported to us by a creditor. '' This notice was sent pursuant to my request to place a security freeze on my account. It listed phone numbers and a web address to obtain a personal copy of my credit report. The phone numbers listed, as well as several others found online, led through a maze of recorded messages that would not allow me to request a copy of my report or to speak to a human for further information. Online, I logged into my Experian acct, requested a copy, and received a message that " a condition exists that prevents Experian from being able to accept your request at this time. '' I found a different page on the Experian website with an address to request a copy via mail, but no information whatsoever on what to send to make that request. I then logged onto XXXX and tried to retrieve my report there. I received an error message when requesting a report from Experian, which included the same phone numbers I had already tried. Those numbers do not lead to an option to obtain a credit report, other than referring callers to the webpage. I then tried to request a copy from XXXX. I again received a message that this request could not be processed online, though the Equifax page at least included a link to a form that could be mailed in. However, that link goes to a form which is not downloadable as a .pdf or any other format I can print and fill out, as far as I can tell : XXXX XXXX XXXX. 

I am unclear how I am able to obtain a copy of my annual credit report from any of the three major agencies. 

Additionally, I am concerned that there was at least one typo in the letter from Experian and the letter head looked less than official - red flags that it is not genuine.
Consumer complaint received 2018-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

In XXXX I got a loan from XXXX XXXX. In XXXX I file Bankruptcy chapter XXXX. This loan was included in my case. After the discharge I was still paying on this loan. The loan was only for XXXX dollars and the payment were dollars then it went to XXXX. I have been paying on this loan for the last XXXX  years and the balance never change. I have never miss a payment. I look at the bill and found out that IM not getting any credit for my payments .The loan has been sold to Sping leaf and now its call one main, I need help .If I have calculated the payment right I have paid them almost XXXX over the course of 13 years I don't understand what going on.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

" 60 Days Late '' reported in XX/XX/XXXX on my Credit Report is incorrect. 

After Hurricane Irma that passed through XXXX Florida in XX/XX/XXXX, banks were offering homeowners " Federally Declared Disaster Forbearance '' on their mortgages and Ocwen Loan Servicing, LLC was included. Upon my request, Ocwen deferred my mortgage payments for XXXX, XXXX, and XX/XX/XXXX, until XX/XX/XXXX. As requested by Ocwen, I started making my mortgage payments on XX/XX/XXXX and continued monthly until present. During the interim, in XX/XX/XXXX, Ocwen instructed me to complete a request for a loan modification which wasn't approved until XX/XX/XXXX. However, I did not like the terms of the modification so I declined to sign it. On XX/XX/XXXX an Ocwen 's relationship manager then requested full payment of the outstanding balance of {$7100.00} which was the deferred monthly payments for XXXX, XXXX and XX/XX/XXXX. I felt that Ocwen demanded the 3-months "  deferred '' payment in full due to my declination to sign their modification agreement. On XX/XX/XXXX I paid the {$7100.00} to Ocwen bringing my mortgage account current. 
After requesting and reviewing my credit report, I saw that Ocwen had negatively reported false data to the Credit Bureaus. Based on the Forbearance Agreement approved by Ocwen, those three months " deferred '' payments should not have been reported as late payments. That Forbearance Agreement should still stand whether or not I accepted their Loan Modification.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, 3 fraudulent checks were cashed for {$900.00} ( {$2700.00} ).  When I got my statement and saw this, I reported to Chase fraud, they admitted my name was spelt wrong and clearly not my signature on checks and I was told to close my acct. the next day I tried to do so, but was told I had to wait for the investigation to finish. I was allowed to w/d {$480.00}. On XX/XX/XXXX I tried again to w/d my funds, and was told only {$700.00} was deposited and I could not have it until THE FULL AMOUNT was refunded. I then was traveling ( WITHOUT MY TRAVEL MONEY ) and when I tried to close and withdraw my money on XX/XX/XXXX I was told I again no, and left my number. I was never contacted and XX/XX/XXXX went AGAIN withdraw my funds, my account was at a zero balance. Im currently waiting to hear from Chase on this matter.
Consumer complaint received 2018-07-31
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC (CA)

Hello CFPB, I received multiple phone calls from a rude man named XXXX XXXX XXXX from Nationwide Debt Collections on XXXX XX/XX/2018. XXXX  first called me at XXXX XXXX on my cellphone, and then proceeded to call my work company three more times after, back to back, an hour or so later. After he called my cell phone to which I answered saying I was at work and that I would return his call shortly, he called me work phone which he is not allowed to do. I specifically told him not to contact me at work and to only contact me via my cell phone, and that I was unavailable to talk at that moment because I was at work. He then called my work phone again, and created lies saying that my dad didn't care if I went to jail or got sued, and he said my dad was swearing at him when he just got off the phone with him and he was upset at my dad. It was clear he was taking his anger out from my dad onto me, because my dad did not want to speak with him. He called an additional two more times, to which I asked my coworker to answer because I was feeling very overwhelmed and harassed by this rude man. He then started talking very rudely to my coworker, and told him he was a collection agency and that I owed money, disclosing very personal details to my coworker which he is certainly not allowed to do. He has a very aggressive nature, and my coworker was severely taken aback by XXXX 's behavior.

We already told XXXX that we are willing to go to court over the debt amount, but he still was harassing us and trying to scare us into paying. He also kept changing the amounts we owed.

I believe XXXX XXXX preyed on me because I was young, and he tried to get me to pay using deception and fear. I have never in my life spoken to someone so rude and overall as terrible as a human as XXXX. He is not allowed to harass me and call me employer several times, even after I explicitly asked him not to. He is also not allowed to harass my family members. He is not allowed to tell my employer about any of my personal stuff. He violated all these rights that I am protected with, and it is simply not okay.
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (TX)

The company has called me multiple times requesting to speak to a person I do not know. I have let them know they have the wrong number, let them know that I do not know the person, and requested that they stop calling me, remove my number. 

They continued to call. I filed a complaint, they stated they were not aware they had the wrong number, that I had never communicated this to them, but they would stop at that time. 

They are calling again.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (IN)

I have had an account with XXXX XXXX for about 11 years and on XX/XX/18 they sent me a text saying that my account was closed due to a second account holder being deceased. I was not aware of there being a second account holder on my account. I am now trying to get access to my funds and they have given me the run around in regards to receiving the money that was in the account that was closed by them. I have over {$2000.00} in the account and am now put in a financial hardship due to not being able to receive my funds. On XX/XX/18 and XX/XX/18 i went the an XXXX XXXX XXXX store to see I could have my funds transferred per their suggestion, by opening a new account. I was unable to open a new account because I was flagged in their system because of the closed account. On XX/XX/18 I attempted to try to open a new account again per XXXX XXXX 's customer service suggestion and was again not able to open account. On/XX/XX/18 they said that they would send the remaining balance by check through the mail in 7-10 business days and they had also said the same thing on XX/XX/18. I am being told different things every time I call XXXX XXXX and given the run around and shuffled through various departments with no answer. I would like to receive my money as soon as possible, because it is mine. I have a little over {$2300.00} in the account, as I am unsure the exact amount because I no longer have access to the account online. They also promised that they would send any account statements and account transactions to my email on XX/XX/18 since I no longer have access to this information.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lenox Financial Mortgage Corporation (TX)

In XX/XX/2017, I applied and was approved for a loan with Lenox Mortgage. They quoted a closing cost of approx {$900.00} to {$1100.00}. The company went through 3 loan processors on my loan due to lay offs etc. This delayed the closing of the loan by approx 6 months, and then charged me points to extend the loan. I paid over {$6000.00} in closing costs. They offered no relief. They said the informed the Vice President,  but I never heard from her,.