davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We made arrangements to pay the account current and I was told by the agent XXXX that we were not late in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX and because we had filed a grievance before with the CFPB they have retaliated against me and not only said we owed for XX/XX/XXXX but also show late for XX/XX/XXXX on my credit as well and wont remove it. They keep saying its not late and it doesnt show late in their computer but on my credit report it does.
Consumer complaint received 2021-11-25
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$89.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Owed : {$420.00} XXXX XXXX XXXX Owed : {$760.00} XXXXL XXXX XXXX XXXX Owed : {$560.00}
Consumer complaint received 2016-04-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (DC)

My phone was stolen on XXXX XXXX. Before I remotely logged out of my phone, {$1000.00} of poker chips were fraudulently purchased using my phone. That evening, I called Google to inform them of the fraudulent purchases. I also called my credit card company ( XXXX ) to report the fraudulent charges. The charges were flagged as fraudulent and I was not required to pay for those charges. 
Google " suspended '' my Google Wallet account. They have confirmed by email and by phone that the only way Google will end the suspension is if I permit the back to reverse the " chargebacks '' ( i.e., I pay for {$1000.00} of fraudulent charges ). 
Without Google Wallet, I can not purchase additional storage from my Gmail account, risking my ability to communicate with an email address I have used for more than 10 years. I would also not be able to use an Android phone.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (PA)

On XX/XX/XXXX I paid off in full, including late fees, a residential mortgage held by M & T Bank and was given a receipt for the payment. M & T however did not record the payment until XX/XX/2017 and notified credit companies that the mortgage was more than 30 days delinquent. My credit scored dropped by approximately XXXX points and credit card companies reduced my available credit to almost XXXX. I have discussed the mistake with 5 different representatives of M & T. Depending on the rep I spoke with I was told a ) there was nothing they could do about it ; b ) I had to contact the credit agencies ; c ) It was my problem, not MTBs ; d ) I should contact the Branch Mgr where the payment was made ; e ) MTB did not maintain records of when receipts were issued for payments made ; f ) ( myl last call ) I should send them a copy of the receipt by fax. Since I do not have a fax, I delivered the receipt for the pay off to the branch manager who said that while he could not do anything, he would see that it was faxed to the department I was given, called Mortgage Customer Support. This was on XX/XX/XXXX. I waited ten days and called the Mortgage Service Dept and was told the fax was never sent. I then called the Branch Mgr who said it had been but he would do it again. This occurred XX/XX/XXXX, more than two months after I made the initial call.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I previously had an auto lease with JPMCB. The car was totaled due to an accident, therefore the lease ended in XXXX of XXXX. JPMCB is still reporting this account open. There is no longer a car being leased under this account, therefore the account is CLOSED. Also, the previous monthly payment is being reported incorrectly at {$1300.00}. The previous monthly payment was {$370.00}.
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: National Credit Systems,Inc. (OH)

I was living in XXXX XXXX OH for 3 years. I have moved out to new location. after few days settlement charges are sent. It was {$710.00}, an unbelievable high charge. one of the item that an electric stove was asking {$480.00} dollars by saying reason that spoiled by me. Actually I used to cook at last day also there. I opened top cover to cleanup before moving out. the new similar stove in market is {$350.00}, also apartment given me old stove that have an appraisal value of {$150.00}. 

I did a party at leasing office and management not given deposit money they agreed to give back after party. the reason saying that candle wax melted and spread over there. it was a XXXX yesr child birthday party we used a cigarette size XXXX candle that is not sufficent to fill entire area. any way money is not returned back.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have been attempting a short sale on my property for about 6 months now. The BPO has come back higher than the relator has proved is market value for the house. We have had XXXX interior and exterior and XXXX exterior only BPO done. The XXXX was coincidentally the same amount that owed on the loan, the second that we requested was XXXX which was XXXX over the price that the condo next to me sold for. I asked that another BPO be done and they refused saying that they only do one every 90 days. How can a third party appraiser be able to make such claims when the real estate agent ca n't even find homes that compare?
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (MN)

I had a mortgage with CitiMortgage. I had a mortgage amendment filed in 2011 for relief of payment. The Amendment was written incorrectly and I suffered from financial hardship with extra interest payments that were not correct. They were higher than promised. XXXX bought this mortgage and continued to harass me until I went to the Minnesota Attorney General. and they helped me find relief with XXXX who is now identified as XXXX operating in Minnesota.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Have had a mortgage loan with XXXX for the past couple years since refinancing with them in XX/XX/XXXX. The loan servicing was switched from XXXX to SLS Loan Servicing on XX/XX/XXXX without my knowledge or input. I received a letter the XX/XX/XXXX from SLS informing me of his change. The letter stated that nothing about my note or mortgage would change. I then got another letter at the end of XX/XX/XXXX stating that a {$2700.00} lender placed hazard insurance policy would be placed and the payment would increase by {$110.00} per month starting XX/XX/XXXX unless I found my own policy within 45 days ( note : there was only about 30 or so days til XX/XX/XXXX at the time ). This forced policy amount was double what I had been paying to escrow for hazard insurance. I then got an agent and found a policy for {$1500.00} which went into effect on XX/XX/XXXX, however the payment did not decrease at all and I was told that I still owed the difference from my my {$660.00} payment to the increased payment of {$780.00} even though I had purchased a much cheaper policy which would 've brought the escrow back down well before XX/XX/XXXX. I was also told by an SLS rep that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and that {$480.00} was taken out of my escrow account by SLS to cover it because they did not accept the previous hazard insurance placed by XXXX even though I was never informed that I did not have coverage at any time until today. I was not given any notice ahead of time about the transfer of servicing or the lapse in coverage in order to get a policy before hand and prevent a lapse. On the contrary, I was told that nothing would change in the letter I received at the end of XX/XX/XXXX ; even though the rep in the Hazard Insurance Processing Center for SLS stated that the lapse in coverage is standard on all loans from XXXX to SLS. Than no Hazard Insurance policy is ever continued from XXXX to SLS. I think it is horrible business practice to plan and execute a transfer of loan servicing, allow a lapse in Hazard Insurance coverage, then charge the only party in the transaction who had no knowledge or control over anything ; after the fact. This could have been prevented by simply informing me 30 to 14 days BEFORE the transfer of the loan. Now I have an unpaid balance of {$110.00} on my XX/XX/XXXX mortgage payment as well as a deficit of {$480.00} in my escrow account that I just found out about today. Please assist.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Payoff process — 
Company: Capital Management Services, LP (PA)

I had an account with XXXX and has settled on XX/XX/2016 for the amount of {$260.00}. I continue to dispute this on my credit report which it keeps showing I have a past due balance of. {$160.00}. Evidentally this went to collections with Capital Management Services, then it went to XXXX XXXX XXXX, which I had settled on XXXX/XXXX/16 for {$260.00} of my total balance of {$580.00}. I continue to get bills for {$160.00} from XXXX XXXX XXXX, and this is showing on my credit report that I have not satisfied this account. When I paid XXXX XXXX, I received a conformation # of XXXX, and a reference # of XXXX. I spoke to a XXXX XXXX with XXXX, and was assured I settled this account on XXXX/XXXX/16. It is not showing on Credit Report that this has been settled, and is affecting my credit score. I would like this either removed from XXXX, XXXX, and XXXX, or show it has been paid and settled. I also have a written letter from XXXX XXXX stating they have received my payment in the amount of {$260.00} which was received in their office on XX/XX/2016..the letter states they have accepted payment as Settled for less than the full balance on the account. I want all XXXX Credit Bureaus reflecting this has been Settled! The letter I have received came from Capital Management Services, LLP ... reference # XXXX
Consumer complaint received 2016-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

I did not receive a notification from my student loan servicer ( NAVIENT ) re : needing to renew my XXXX status. After I discovered it had lapsed two months later ( Navient sent me a notice that they had capitalized the interest, but it took XXXX inquiries and over a month for them to respond to me as to what had happened ), I refiled all the paperwork ( XX/XX/XXXX ) and checked with the loan provider XX/XX/XXXX to ensure everything was in order ( Navient confirmed that it was ). On XXXX/XXXX/16, I received a notice that my proof-of-income paperwork did not indicate the pay frequency ( it did, and they previously confirmed this ) and asked me to resubmit. When I logged into the " old '' version of their website ( they recently updated their website, which does not provide all the important options ), I saw that they somehow had no record of me submitting any documents to them ( despite the fact that I had, they had confirmed it, and the recent email said I had submitted documentation [ albeit insufficient ] ). So now I have been in a standard repayment plan -- - rather than my XXXX -- - for over 4 months because of their failure to notify me of the need to renew and errors on their end.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

This debt is not mine. I spoke to the billing department and I do n't owe anything. Never been to this hospital. There is no medical record of the date and service that the collection is for. I never lived in the address that the collection has on file. This collection is invalid or another person did it not me. I have medical insurance there is no way I would a have a bill like this.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NJ)

The issue that I am reporting is about an incorrect description on the mortgage note. My wife and I own 2 investment properties in XXXX, FL and we want to sell one of the houses that is mortgage free but the bank LoanDepot incorrectly recorded the entry with the wrong house. This mistake is preventing us from selling the house. 

I reported the problem to LoanDepot on XX/XX/2021 through their portal, and I have followed up on the issue by calling their customer service line several times and also through their online portal only to be told that they are going to look into it. It is already XX/XX/2021 and they have not corrected the issue. 

I also asked for a letter from the bank stating that LoanDepot had made a mistake, that they would fix the problem, and that LoanDepot does not have any financial interest on the property that we want to sell. We have not received the letter yet. If we get this letter from the bank, we would be able to sell the house. 

This issue has been going close to 3 months and LoanDepot has not corrected the problem. We need to sell the house. I desperately need your assistance in resolving this issue. 

We are providing a copy of the mortgage note that contains the incorrect description in the last page. Copies of proposed taxes for each house that contains the correct description. Copy of the portal log showing when the issue was first reported and the correspondence that has taking place.
Consumer complaint received 2017-01-26
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (PA)

Greetings, AMEX Card # XXXX Case # XXXX I am writing to you in behalf of Fraudulent charges made on my Prepaid American Express Card. I have lost over {$4000.00} on this card but only have the proof of {$1800.00} because the account was closed. I have provided this documentation. It was an 'Account to Account ' transaction with apparently Fraudulent names and numbers. On this Day I had a direct deposit hit at midnight for aprox {$1200.00} and also had a deposit the week prior and in the mean time uploaded {$1500.00} plus the other the funds that were in the account. I have Filed a police report ( XXXX XXXX PA Case # XXXX ) and went to my local magistrate to file a civil suit which is on hold. I was advised it would only to be a loss of time and funds without an Attorney and taking it to another level with a high instutution. Half of these transactions took place while on the phone with American Express Serve while they changed my Password and Email multiple times with mo luck of stopping the Fraudulent process. Amex told me the process would be " expedited and would have the funds returned in 3-5 business days '', 10 days being the max ''. I called after4 business days to ask where they were in the process only to find that they were still looking into it. One hour later I received an email stating that my claim was unfounded and they were closing the account. Please see the attached documents. This money was to last me until the next section of the project was to be billed in which I 'm still 6 weeks out, I have children and have bill and will be unable to keep our home if American Express does not take care of this matter immediately. I have attached the initial form to file a Civil suit which has the card/account number and the Police Case number. Obviously this is a very serious matter. I have reached out to the Pennsylvania Dept. of Banking and the F.C.C. and have been directed to you. 
Thank you in advance. If I can be of any help please call me or write me. Sincerely, XXXX XXXX
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections & Outsourcing has been trying to collect a debt of {$2000.00} on behalf of XXXX XXXX. FCO Has given no real documentation that I owe this debt. I spoke with XXXX XXXX both corporate office and XXXX facility as it is known today and they had no information about the account. FCO has sent me a copy of a ledger no letter head of company claiming that I owe the alleged debt as proof of validation. When I challenged this, they proceeded to send me a copy of my lease from XXXX, which they could have obtained from any where. I sent them an email XXXX/XXXX/2016 requesting viable information proving that I owe this debt. I have asked fro the following in my email : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting history leading up to alleged debt. 
Commission for debt collector if collection efforts are successful. 
They answered me today, by providing the same ledger that proves nothing and lease agreement that they could have obtained from anywhere.
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Signed up for a {$400.00} checking account signon bonus in XX/XX/XXXX. As of XX/XX/XXXX I have yet to see the bonus credited. From day 1 I should have realized banking with Citibank was a mistake as they took forever to put in my initial deposit which was in the online application, but somehow overlooked. A trip to the branch could n't even get the initial deposit completed and I had to personally call their XXXX number to get it done. Citibank also had very poor handling of new accounts created online and never sent out any confirmation of account opening. Now come XX/XX/XXXX and I 've been patiently waiting for their bonus which they say they will credit, but they keep sending the issue to research and it is yet unresolved. First they say they do n't have a XXXX form, which I filled out within two weeks of opening the account and handed personally to an account representative at their local branch. That means their online banking entity is completely separate from their branches or their system is so poor that they are n't in sync. I mailed another form in and after calling them they confirmed that they received it but still waiting for that bonus to be funded. A week goes by and now it is high priority researching status again. My experience with you shows you are unprofessional, unreliable, have poor communication, inefficient, and not trustworthy to do business with. No way do I want my money in your bank. Citibank you have totally lost me as a future customer.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

On        XXXX   XXXX   XXXX    I requested a payoff of my   XXXX    XXXX   XXXX  that was leased through Chrysler Capital. I am in the process of purchasing a home and needed that paid off to qualify for my mortgage. I received a payoff from  Chrysler valid through  XXXX   XXXX ,  XXXX . To be on the safe side I overnighted my payoff to ensure that the payoff would be made on earlier then needed. I called and verified with my bank on  XXXX   XXXX  and was advised that the cashiers check had cleared on the  XXXX  of  XXXX . I received a bill of sale from Chrysler Capital the week of  XXXX   XXXX  along with the original title transferring ownership to me. On  XXXX   XXXX  my mortgage broker proceeded to pull my credit and we found that  Chrysler  had reported me late for the  XXXX  payment. This late payment destroyed my credit rating and I was not going to be eligible to purchase the home that I am in contract for and non-refundable deposits have been made. I called Chyrsler and they reviewed the account. Apologized for the error and assured me that they would correct it directly with the credit agencies as well as close out the account. No one could give me an answer as to why it still showed as open. I was told it would take  24- 48 hours to close out the account and 7 to 10 days for the credit to be co rrected. On  XXXX   XXXX ,  XXXX  I called Chrysler to verify that it was corrected and found out that they once again reported me late to the credit agencies and that it would continue to report late beciase the account still showed as open ... .with a past due payment. I was transferred to  4 different supervisors/managers and each one to ld me the  XXXX  department handles it and they would contact me once it was resolved. They did n't know why it happened and said it should be  24-48 h ours. I asked for a letter as proof to the seller of the home I was in contract for so that I could extend it and not lose my deposit and I was told that they under no circumstances provide and letters. No one could transfer me directly to the "  XXXX  '' dept. and I had no resolution after being on the phone for a little ove r 3 h ours. The amount of stress that this error has caused me is beyond what can be described. I need this account cleared up in time so that I do not lose my deposit on the home I am trying to purchase.