davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

Starting XX/XX/2019 I attempted to get an FHA loan in order to purchase the house I currently rent. Initially I was informed of closing cost, liquid assets needed, and the basics of the fees and process. This process sounded very basic cut and dry and at first the people I dealt with through Quicken Loans office in Michigan were great to work with. But then this process continued to drag on for 5 weeks with everyday more money required. We even had set 4 closing dates and at the last minute I would be told that I had lost approval again and this amount of money would clear it up and get it on track. The final attempt was when I received a call stating the day before closing, that I had lost approval again and would need a minimum of {$1500.00} to get it back on track. I stated that I could not afford anymore. The gentleman then asked what I would get paid on my next paycheck. I told him {$1100.00}. He replied that would do. How has it needed a minimum of {$1500.00} but suddenly {$1100.00} would do. I replied that I still had bills to pay and had to live. He replied that I should hold off paying my bills and close on the house. No reputable lender would ever suggest not paying your bills. That is when I called it quits. I have since found many complaints regarding this specific office location. I called our local title company to see if they had had any issues with this process on their end. They had never received full disclosure of fees themselves and had even found that their compensation was set to pay to Quickens own title company rather than this office that was selected to be used.
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo sends out next payment form shortly after making a payment. I had gotten in to the habit of sending another payment shortly thereafter. Got ahead in my payments. My next mortgage payment is due XX/XX/2019. 
I've been looking into refinancing and Wells Fargo was in consideration. Last week I asked what happens to the payments I already made if I terminate the loan and refinance with Wells Fargo or another lender. My statements reflect that my payments and the extra I always add to payments has reduced the principal. However, I want to know what happens to the payments in advance regarding interest. Some lenders have said they would have to reimburse others are not sure. The Wells Fargo representative has been trying to find an answer. After telling them I was filing with CFPB, I received a XXXX from XXXX XXXX, Senior Vice President Wells Fargo Home Lending. It states : " It's our goal to complete the necessary research and provide you with a response by XX/XX/2019. '' Why does it take so long to provide an answer? I'm reluctant to re-finance until I have an answer.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (NJ)

I constantly receive Collection Notice ( s ) from XXXX XXXX XXXX , XXXX a company that is attempting to collect a debt owed for parking tickets owed to the XXXX XXXX Municipal Court in XXXX XXXX, New Jersey i never owned a motor vehicle nor do i have a New Jersey Drivers License or any Drivers License in any other state! 
I written the XXXX XXXX Municipal Court about this error and i didn't receive any responses by mail or in written from XX/XX/2018. 

I also written and made phone calls to the XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (MA)

I was on a XXXX XXXX flight from XXXX to XXXX on Tuesday, XX/XX/2019 when the flight attendants distributed applications for a XXXX XXXX Mastercard on board. The crew member announced over the loud speaker that anyone who opened a new account would automatically earn XXXX points redeemable towards future travel, and that the card carried no annual fee. I took an application and filled it out, returning it to a crew member before the end of the flight. Upon arrival of my new card a couple of days ago, and after setting up online account access and reviewing my " XXXX XXXX '' points, it became clear that you had to spend {$1000.00} in the first 90 days of opening your account before you would earn the XXXX points. I submitted a complaint to XXXX XXXX / Barclays Bank through the " manage your accounts '' question form online and received a response stating that I would the earn the points upon spending {$1000.00} in 90 days and after my annual fee posted to my account. I then called a customer service rep for XXXX XXXX/Barclays who clarified that my card did not carry an annual fee but that I indeed had to spend {$1000.00} in 90 days to earn the XXXX points. I feel this is an egregious example of false advertising on XXXX XXXX 's part because at no time on the plane did they state you had to spend {$1000.00} to earn the points. I was travelling with my husband who can verify that, and in addition, a co-worker who traveled XXXX XXXX around the same time said she heard the same offer and also did NOT hear they say you had to spend {$1000.00} in 90 days to get the points.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This complaint is because Transunion lied to me and to the CFPB. And now they created yet another problem. 

Transunion LIED and said they solved my problem- they didn't. 

What kind of XXXX is going to send me an email that expires in half hour?!?!? TransUnion sent me an email to reset the pw- which I didn't see until the next day, too late to log in. Even if I had seen the email, I can't get to a computer at work. And I don't have a computer at home, I use the library computer. 

Transunion did NOT solve the problem and I STILL can't log in. 

And now there is a DIFFERENT problem - when I try to access the Transunion web site, I enter my SS # twice, then my last name, and click on 'Continue to Next Step. ' - and the web page won't advance! I don't get an error message ; the page simply refreshed to blank spaces for SS # and name.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Request for Removal of Inaccurate Collection Account from Credit Report I am writing to dispute and request the immediate removal of an inaccurate collection account from my credit report. The collection account in question pertains to XXXX XXXX, which was inaccurately reported as a debt of {$42000.00}. 

XXXX years ago, I applied for a consolidation loan with XXXX XXXX, and subsequently agreed to refinance my loan with another company that claimed to be affiliated with XXXX XXXX. Despite making monthly payments between the XXXX XXXX XXXX of each month as agreed, it has come to my attention that XXXX XXXX never received any of these payments. Upon discovering this discrepancy during a credit report review in XX/XX/year>, I promptly contacted XXXX XXXX to address the issue. 

After uncovering that the company I had been paying had not remitted any payments to XXXX XXXX, I immediately terminated my agreement with them and resumed direct payments to XXXX XXXX. I have consistently paid the monthly installment of {$550.00} to XXXX XXXX since then. 

The collection account resulting from this misunderstanding is unjustified and damaging to my credit report. I urge you to investigate this matter further and expeditiously remove the inaccurate collection entry attributed to XXXX XXXX. This collection account is a product of misrepresentation and fraud, and its presence on my credit report is misleading and harmful to my financial standing. 

I kindly request that you conduct a thorough review of this situation and take the necessary steps to rectify this error by promptly removing the inaccurate collection account from my credit report. Attached is the now terminated agreement with the financial institution who was to assume responsibility over the debt previously that cause this discrepancy. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of this erroneous collection account from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.
Consumer complaint received 2019-04-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SunTx Capital Partners (GA)

On XX/XX/2019, XXXX XXXX -- a collections agent with XXXX XXXX XXXX, reached out to one of my contractors via telephone, and then through deception had the driver call me while XXXX XXXX remained on the line as an undisclosed 3rd person. 

Upon answering the call, XXXX began disclosing my personal financial information. He never confirmed my identity, nor did he ask whom he was speaking with. Instead, he began disclosing the reason for his call and how much money he believed was owed. All this while on the phone with an unspecified number of person 's on the phone line. 

This has had a negative impact on my business and the relationship I have with my contractors. 

I would like to know what steps can be taken to resolve this case. I would like to see this person removed from this position, because he has no decorum. Secondly, I want to know how this company intends to right this situation.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MD)

Subject : Not able to redeem my travel rewards points for travel due to an internal Chase technical issue. 
1. During a road trip/business, in XX/XX/2019, I discovered that due to an internal Chase technical issue, I couldn't redeem my points for travel booked through Chase, either online or with the Chase travel desk. 
2. As I was on a road/business trip, I was relying on the ability of using my Chase rewards points. 
3. Daily, I spent hours on the phone being transferred from one supervisor to another, they also were not able to book travel for me using my points. I can not begin to tell you what a waste of time this was, as I lost valuable work-related time each day dealing with this situation. 
4. I suffered unreasonable, frustrating and costly situation that I experienced with my Chase Sapphire Reserve credit card, for over one month, until Chase finally fixed the problem. 
5. As a long-time and loyal Chase Sapphire Reserve card member, I pay a very high annual fee of {$450.00}. I agree to pay the {$450.00} annual fee because my points are worth 50 % more when I redeem them for travel. Chase Ultimate Rewards points earned are worth XXXX cents each when redeemed for travel booked through Chase and over the last several years, Ive accumulated more than XXXX points. 
6. The fact that Chase prevented me from redeeming my accumulated rewards points for travel without any reasonable reason or explanation, causing me to incur a significant financial loss, detrimental and high level of stress, as I was relying on the ability to book my travel using my valuable rewards points. 
7. I have been working with the travel department and the Payment and Escalation department, while I was told the technical team was trying to resolve this issue that Chase was having. 
8. At some point, a supervisor guided me to book my travel not through Chase, but directly with the hotels and airlines, and to pay for my travel with my credit card, while Chase is working to resolve the issue and promised me that Chase will compensate me for all my losses. 
9. Following, and in lieu of not being able to use my points, I booked my travel with my Chase card. I purchased one international round trip flight, one domestic round trip flight and several hotels. All charges show on my Chase credit card and cost thousands of dollars instead of using my reward points. 
10. An escalation report/file was submitted with a request for compensation in the amount of XXXX rewards points. The reward points cover the difference in hotels and airline tickets that I purchased without using my reward points. 
11. I contacted the Chase Executive Office department and the travel side in order to resolve this with a positive outcome and reimburse me for the above-mentioned reward points. 
12. Even though Chase admitted that due to a technical issue on their side, I was not able to redeem my points for travel for over a month, Chase did not compensate me.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (TX)

Hello CFPB, I went into a dining establishment on XX/XX/19 and 3 credit charges totaling {$8500.00} were billed on my Citibank credit card in less than two hours. The first charge was {$980.00}, the second was {$1800.00}, and the third was {$5700.00}. 
I disputed the second and third charges over the telephone on XX/XX/19. The CSR entered my dispute and also mailed me a new card and number. During that conversation, I was never given any tracking information for my dispute or how to work with Citibank during the process. On XX/XX/19, I received a letter from Citibank stating that activity on my credit card was valid, rebilled my account, and considered the investigation closed. On XX/XX/19, I wrote to Citibank that I disagree with their resolution on this matter. Which I have had no response. 
Thank you for your help in this matter.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (AL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NJ)

I would like to request a copy of promissory note reference on enclosed letter from Navient. The amount of interest charged during forbearance is atrocious especially when Navient failed to provide other options during my hardship.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2017-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (MA)

First i want t say thank you guys for your help in the past i am not late and yes pay on time this mortage company Gregory Funding continues to raise our mortgage payment this has been the third time i have complaint to you guys about this mortgage company and they continue to do this to me i work hard and i have to pay other bills to make it in life my previous payment was XXXX now its gone up to XXXX i really can not pay the extra money keeping in mind i dont get it when i pay the home mortgage myself were is all the money going please help me thanks XXXX i really could use some legal help i really believe there is something wrong with this ive been dealing with this for years thank you XXXX XXXX
Consumer complaint received 2019-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

I have been in repayment under the public service loan forgiveness program since XXXX. I have made the 120 payments required for forgiveness. However, they are saying that numerous payments that I have made do not qualify for forgiveness. For example, you must update your income each year, and they force you into deferment while they are reviewing your payment plan. However I continued to pay during that forced deferment time. 
Another example is when I filed bankrupcy. They claim that all the payments I continued to make during that extreme hardship in my life did not count. Why? 

Also, there was a time when I made {$5.00} less than the payment for several months because there website did not display the payment due. They did not count those payments and I feel like that was a scam. Why wouldn't the payment due amount be displayed? 

They also have not provided me with records prior to XXXX, so I have not included payment records prior to the date of the attached materials.
Consumer complaint received 2020-12-30
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: CBC Companies, Inc. (WA)

I have an unauthorized inquiry from Factual Data XX/XX/2020 on and XX/XX/2020 on my XXXX, XXXX  and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.
Consumer complaint received 2019-04-14
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (TX)

LexisNexis was sent a letter on XX/XX/2019 requesting for both a copy of my report, and for LexisNexis to up date my information by deleting all incorrect information that may be on my report. 

Today is the XX/XX/XXXX, well over 30 days and I have been ignored. This is a violation! 

I need LexisNexis to provide me with my report and correct any information listed in the letter. I will reattach the letter. If I do not receive this information within 15 days, I will file a lawsuit.
Consumer complaint received 2019-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX XXXX  purchased two of my debits owed from a credit card I defaulted on. XXXX   XXXX XXXX filed to take me to court to sue me but they offered me a settlement and I accepted and paid it before the court date. I also made an arrangement and paid the second account they had of mine as well. InXX/XX/XXXXthe two accounts were being reported on my credit report with a balance so I disputed it stating that the balance was wrong and that I paid the full settlement we agreed upon and asked it to be removed from credit report. XXXX XXXX XXXX responded back to the dispute and put it as a new negative account on my credit report and listed the amount owed as the full amount and dropped my credit score 50 points. I have the proof it was paid as we agreed but they wont remove it and are listing it as new again for the full amount.
Consumer complaint received 2019-04-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. ()

I called Navient to change the repayment plan to extended ; instead, Navient told me to sign for auto-debiting. Additionally, this loan was sold//transfered from SallieMae XXXX  to NAVIENT XXXX XXXX XXXX. The replies from Sallie Mae XXXXXXXX and Navient were misleading. Interest rate was increased from 6 % to 11 %.