davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NJ)

My mortgage has been transferred several times over the course of XXXX yrs. It is now with Quicken Loans. I have received XXXX statements regarding my escrow account dated XXXX/XXXX/15, XXXX/XXXX/15 ,XX/XX/XXXX15. The first statement included a check for {$610.00} and stated my XXXX XXXX 2015 new payment would be {$1400.00} XXXX from {$1600.00} XXXX. The XXXX statement XXXX/XXXX/15 stated the same changed monthly payment and also stated a home insurance pmt of {$640.00}. The home insurance bill is actually {$570.00} and I called to advise this, they told me to call the insurance company. Later they left me a message saying they called the insurance company. I have still have not rec 'd the difference in any form of credit or refund. 
The XXXX/XXXX/15 escrow statement states I now ( after they just sent a check for {$610.00} on XXXX ) have a shortage of {$620.00} and my monthly pmt will be {$1600.00} if I send a check for {$620.00} or {$1600.00} if I choose not to pay the {$620.00}. I have checked my escrow balance through my online acct access this date and the escrow balance is {$1800.00}. This is enough to cover the next quarterly tax pmt of {$1700.00}. The homeowners ins is paid for the year. With the current escrow pmt of {$630.00} there then would be enough in escrow to pay the following quarter taxes. ( also I appealed my taxes this year and the result was my assessment has been lowered, but the final quarterly tax adjustment is not available at this time, I m told in XXXX weeks, but the tax will be slightly lower ) I have called Quicken Loans to resolve this but when I call I have not been able to speak to someone to resolve this and they do n't return calls as they say they will. Bottom line they have no Customer Relations at the number they give to call. 
How do I resolve this to keep my mortgage pmt at the correct amount, and why would a company pay out {$600.00} XXXX month and the next month send statement asking for $ XXXX payment. ( and when their online statement shows escrow has enough funds to cover next tax pmt )
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Citibank is refusing to close my dispute regarding a fraudulent and unauthorized charge and credit my account finally. 

Citibank Unauthorized charge Dispute ID # : XXXX Recently, I have been a victim of identity theft. My information was compromised and I have been dealing for the last XXXX months with the aftermath. My Debit card was used for an unauthorized transaction on XX/XX/2023 for the amount of {$1900.00}. I did not authorize this transactions and was unaware of it and I did not authorize anyone else to use my ATM/Debit card in any way. Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. the amount should be fully credited back to me. But Citibank , N.A . is refusing to finally Crediting my account and closing this matter as they should by law. Citibank Dispute ID # : XXXX. This is an illegal act by Citibank and I should get my money back permanently. I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report which includes : My FTC Identity Theft Report and The police report about the theft of my identity.
Consumer complaint received 2023-12-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I make a payment in full in the amount of {$2400.00} the return item when I have sufficient funds in my checking account. They are trying to say the payment failed when in it didnt and funds are available to pay them off in full. They have already received {$1800.00} in payments from me in a {$2500.00} loan the loan went down {$15.00}. They wont stop returning my payment when I asked to close my account when I make the final payment to end business with them.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (NC)

The below accounts I did not authorized to be open, so ; therefore, should not be reporting to none of my credit reports. The accounts below has reported several errors. I have disputed all of the items below and as yet nothing has been done. I have filed an extend fraud alert due to my identity being stolen. According to the 15 U.S.C. 1681 law states that any inaccurate information must be removed immediately from the credit report. Due to the inaccurate, incorrect information on my report has caused defamation of my character. 

XX/XX/XXXX
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (UT)

I disputed a judgement on my credit report for a judgement to be removed. I even provided official court documents saying that the judgement had been set aside and that I am dismissed from the case. Equifax sent me an email saying that the dispute is complete and that they already have it marked as satisfied on my credit report. Even though my documents from the court set aside the judgement they refuse to remove it from my credit report because the papers have an electronic judge signature instead of handwritten one. Equifax said they can not use electronic signatures and the courthouse said electronic signatures is what every judge uses in the state of Utah now according to code. I want this removed from my credit repoerts Equifax and XXXX.
Consumer complaint received 2023-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (NJ)

Hello, We have a complaint against Fay Servicing who filed for forclosure against us in XXXX while we requested Forebearance under the Cares Act. 
We would like to provide a summary on our matter as we understand Fay has a consent order which is set to expire on XX/XX/XXXX referencing many of the same violations which they committed against our family. 
My name is XXXX XXXX. We are a family of XXXX. Myself, my wife of XXXX XXXX ( XXXX XXXX ) and XXXX boys. 
I am fighting a XXXX XXXX and would be blessed to survive the next six months. 
In my condition, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has made it challenging as I was forced to represent myself pro-se in the matter. 
It has been difficult to get representation on the matter in XXXX  as it seems all the attorneys we have spoken with are bankruptcy specialists and not familiar with wrongful foreclosure defense. 
I am in the process of filing a motion for dismissal based on several of the violations commited by Fay against us. 
We'd like to know if the XX/XX/XXXX is the deadline for submiting all of our documentations and evidence in suport of our case or if there can be an extension to submit our documentation until the end of XX/XX/XXXXXXXX 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MA)

On XX/XX/2023, I received a letter indicating I had opened an account with Robinhood. I had not opened an account with the company, and since they require XXXX to verify, it was clear that someone got my identity information and opened a fraudulent account with the company. Robinhood is the subject of this complaint. I began notifying Robinhood immediately on XX/XX/2023 that someone had opened an account in my name. I received no response to that email for several days, and the responses were not substantive. Following their requests, I filed an identity theft report with the FTC and I filed a local police report. I sent both documents to them immediately after filing. They appear to have done nothing with this information after requesting it, as I got no substantive response to this information. Getting more concerned, I tried to find a way to talk to someone on the phone. However, in order to talk to someone on the phone, you have to have an account with Robinhood. So I downloaded the app so I could speak to someone over the phone. But after multiple repeated email and phone contacts, including several times verifying my identity with all requested forms of doing so, I have been unable to get Robinhood to understand that whoeever is using my identity is doing so with criminal intent, and close down the fraudulent account. I have not been able to get substantive responses over email despite repeated attempts. Over the phone representatives have consistently directed me to take the call offline to resolve it over email, but then do not respond to my emails. Since they are not responding to my emails, and seem to be unwilling to discuss the matter with me over the phone, I appear to be stuck.

Meanwhile, more than a week later, I am still waiting for a resolution to this, while someone who has stolen my identity is using my information to run an account in my identity on the Robinhood app. Robinhood has all the necessary information to confirm that this is indeed criminal activity on their app and I have repeatedly told them this. Nonetheless, Robinhood has refused to hear me out or help me close down this account even though I have complied with all the various requests that they have made about filing reports and verifying my identity. I would like the company to assist a law-abiding person in protecting their identity from criminal misuse, close down the fraudulent account, and provide confirmation that this has been done.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

My stated minimum monthly payment on the Nelnet website was {$130.00} after getting approved for the Extended XXXX Payment Plan. I setup a monthly auto debit from my checking account for {$130.00} on the XXXX of each month. The month of XXXX went as expected. XXXX did not. On XX/XX/XXXX, I was auto debited {$57.00}. On XX/XX/XXXX I was auto debited {$63.00}. Then on the XXXX I was still auto debited the {$130.00}. I never signed up for, nor approved the first two auto debits during the month of XXXX.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

COMPLAINT ID XXXX CFPB. I filed against Wells Fargo need to be amended to reflect Wells Fargo Claim number XXXX. I mistakenly put Wells Fargo Claim XXXX which is wrong. I further request information as to why my Wells Fargo account Clear Access account is overdrawn when the Wells Fargo Clear Access accounts DO NOT allow overdrafts. I further seek clarification as to why Wells Fargo Claim XXXX I have not received documentation thru mail or electronic as to its outcome. 
I properly reported the fraud. If the account was being monitored why was I not notified by text, email or call? Only by email when my account reached zero and over {$5000.00} was taken. Wells Fargo states Zero Liability if timely reported. I reported when Wells Fargo emailed me my account was at zero. Time line shows I was headed to XXXX XXXX, then California, Arizona yet that same card was used in two separate states at the same time. My Wells Fargo Clear Access account is over drawn yet that particular account does not allow overdrafts.

Wells Fargo can not advertise Zero Liability if reported timely, and then turn around and deny based on IP addresses, and login information, which are subject to be compromised fraudulently.
Consumer complaint received 2016-02-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (PA)

I have almost XXXX dollars in private student loans serviced through servicer AES and lender XXXX. I make {$15.00} an hour currently. The standard payment they wanted me to pay was around {$860.00} a month. I can not afford that monthly payment indefinitely so I applied for their modified repayment plan XX/XX/XXXX. They wanted my XXXX most recent pay stubs so I sent them to them. I receive some correspondence some 10 business days later that they need my pay stubs again. I begrudgingly sent them more pay stubs and awaited a reply that was made ever longer by the holidays taking away business days from the month. I called a few times in between then and now to see what the deal was and was basically given the run around. XX/XX/XXXX I was told that we were just waiting on XXXX to approve or deny my application so I waited. In the meantime I had to pay the standard payment of XXXX and did so by borrowing money from my family. I have done this for the months of XX/XX/XXXX, XX/XX/XXXX, and what will now soon be XX/XX/XXXX. How many more months will I have to keep this up? I called again at the beginning of XXXX and was told that the application was only just sent to XXXX on XXXX XXXX XXXX. Previously, I was told that XXXX had already received my application. That was clearly either an outright lie or a skillful misdirection. I just have no hope for this process. Applying for IBR for my federal loans was a piece of cake and quick. At least my federal loan servicer ( XXXX XXXX ) applied a forbearance on my account while the application was in process. I went to the University of XXXX in XXXX.
Consumer complaint received 2023-12-02
Product: Credit 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 (PA)

I purchased two pair of jeans from Nordstrom online a few days apart, and returned both via mail, also a few days apart, with the mailing labels provided to me online by the store. When I received the credit card statement for XX/XX/, I checked my account on the store website to confirm that both pair of jeans had been returned AND RECEIVED by Nordstrom. Because both items had been received, I did not pay the credit card bill assuming I owed them nothing. 

The next credit card bill for XX/XX/XXXX  stated that my account was overdue. When I called, I was told that even though both pair of jeans were received, the one pair was not received until after the account had closed out for the month and therefore still owed the minimum payment. 

I was directed to the small print on the Nordstrom website regarding returns which states that it takes 14 days for a return to be processed and then another 3-5 business days for the credit card company to place the credit on your account. Therefore, the consumer must pay the minimum amount on the credit card account even though the store has the product! It was further explained to me that once the store and credit card company finalize processing the return, the account will then show the proper credit. You must then ask the credit card company to send you a refund check or you can use your card and apply the credit to a future purchase. 

This " return policy '' is incredibly deceptive and intentionally designed to force a consumer to have to make a minimum payment to the credit card company -- in other words, they have the use of your money AND the product. Because everything is done by computer, there is no legitimate reason for the amount of time to process the return.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Once again, I am writing to file a formal complaint against XXXX & Equifax regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ). 

For well over 90 days, I have been disputing the same accounts over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same XXXX accounts showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact accounts. 

I have attempted to resolve this matter directly with XXXX & Equifax by via my dispute letters. Despite my efforts, the issue remains unresolved, and I believe that XXXX 's actions are in violation of the FCRA. 

After months of disputing they even told me they couldnt verify the disputes because they didnt know if it was me sending them anymore I then proceeded to begin getting the letters notarized which no one else can do on my behalf and still the same result. 

I will have my latest disputes, cover letter and credit report attached. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

I was deceived, misled, and they used offensive and abusive language stating that I owe a loan on a credit sale that was conducted fraudulently. They have continued to report on my consumer file/report as I have provided a police report, a letter from the Department of Justice of a being a victim of identity theft. This has caused a lot of emotional distress, grave damage to my consumer report as I could not get a home for personal, family, and household use.
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (TX)

The mortgage company who I currently pay was recently hacked. I learned about my mortgage company being hacked through the news, and not by the mortgage company. The mortgage company has yet to inform me about the cyber hack to this day. When I tried making my payment online, I was unable to. The page is currently down. When I tried calling, I was unable to reach a customer service agent. I contacted via phone during their hours of operation. No matter what options I choose, I could not speak to a representative of the mortgage company. I cant make my mortgage payment and fear that it will impact my credit score and worse, my home can be repossessed. This is no fault of my own but of the mortgage company which is solely responsible for the cyber hack. With as much money as mortgage companies, make, they have to do the best job of keeping my information secure. This has made me very angry and I wish I could have paid my house off sooner so I dont have to deal with grimy mortgage companies like the one that has my house on XXXX XXXX which is Loancare. More like loandoesntcare.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (FL)

On XXXX XXXX, 2014 I ordered medical products from XXXX XXXX XXXX in XXXX, Florida, totalling {$4900.00}. Within an hour or two I called back to cancel the order. The next day I received the order anyway. I made numerous attempts to contact the company, and left messages, but was never called back to resolve the issue. I never opened or used any of the product. 
I filed a dispute with U.S. Bank and was given a temporary credit on XXXX XXXX, 2014. I was told by U.S. Bank it would be taken care of, but on XXXX XXXX, 2014, U.S. Bank reissued the charge against my account. I have called on numerous occasions, each time being told it would be taken care of. Now, nearly a year and numerous calls to U.S. Bank later, I was told that U.S. Bank was not able to get a refund from XXXX, and there was nothing more they could do for me. Now I have no product after returning it to XXXX 's XXXX XXXX, and no refund. I have carried that {$4900.00} balance on my Visa card since, and have been accruing interest since XXXX 2014. 
This should never have been billed to my credit card in the XXXX place, as I cancelled the order, but now it 's beginning to affect my credit score when I 'm trying to purchase a house. 
Please help me in having this fraudulent charge and accrued interest removed from my credit card account and my credit report.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have a Bank of America Credit Card. I got a statement for XXXX XXXX - XXXX XXXX with a New Balance Total of {$730.00} with a Due Date of XXXX/XXXX/2016. On XXXX XXXX when I received an e-mail for this statement, I paid the account off in full. On XXXX/XXXX/2016, I received an e-mail for the XX/XX/XXXX-XX/XX/XXXX period saying that I owe a Minimum Interest Fee of {$1.00} even though I had paid the full balance off and I have not added any additional payments. 

On the back of the statement it says, " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' This is not fair to the customer as they get charged interest even though the balance is paid off in full and also that they do not get an e-mail saying they have a statement until the day after the closing date.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizen is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks XXXX XXXX