davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I have recently received a notice from HSBC Bank USA , NA, dated XXXX XXXX, 2016 that the servicing of my mortgage is transferred effective XXXX XXXX, 2016 to another mortgage services company ( XXXX ). The notice further states that no payments will be accepted after XXXX XXXX, 2016. My mortgage payment is currently auto deducted from my account with HSBC Bank USA , NA and this has been stopped. 

However, I also received a monthly mortgage statement from HSBC Bank USA indicating that my mortgage payment is due effective XXXX XXXX, 2016 and that the payment should be mailed to HSBC at a XXXX XXXX XXXX XXXX. 

My concerns are : 1 - The fact that HSBC has given only 15 days notice of the transfer of servicing, which is not sufficient time for consumers to be aware and make alternate payment arrangements. 
2 - The fact that they have discontinued my automatic deduction ( which ordinarily is deducted around the XXXX of the month ) with less than 60 days notice for me to make alternate arrangements. 
3 - The fact that HSBC has continued to bill me for a mortgage payment, which they have notified me that they have transferred, which they should no longer be able to do. 

Simply stated if the bank is unable to make the necessary arrangements in 15 days and continues to bill consumers, then why are consumers expected to make alternate arrangements in the same period of time.
Consumer complaint received 2015-12-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc. (NC)

This concerns a load from SoFi. I filed out all needed paperwork and send all required documents. On XX/XX/XXXX I received an e-mail saying " congratulations your load has been approved please login and sign your paperwork. ( I have attached that e-mail ) logged in from my phone and tried to sign but only got a blank screen and was kicked off. Called rep the next day was told to use my home computer same issue. Called rep next day he reset and told me to be sure I was using Google Chrome, delete my history and cookies did all those and the same thing. Called rep the next day she stated it was something wrong on there software she would send it to me via e-mail and she would call me back. After 3 days no phone call no e-mail called rep again he apologized and said he would send me an e-mail and if I did not get in within a couple of days call back and he could send XXXX. After a couple days no e-mail so I called back rep stated that as of that week they no longer send XXXX put she would talk to her manager and call me back. No phone call but I got an e-mail stating that my loan was denied and should try XXXX for a loan. I called a manger and got no help she just said she was sorry and there was nothing she could do.
Consumer complaint received 2023-07-27
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: JPMORGAN CHASE & CO. (PA)

My issue is with JP Morgan Chase Credit Card Services and XXXX On XX/XX/XXXX I clicked on an advertisement on XXXX for their Prime Visa Card from Chase. The webpage said, " See if you're pre-qualified with no impact to your credit score ''. So I went through the prompts, specifically and only because it wasn't going to impact my credit score. 

This is the page XXXX XXXX XXXX XXXX XXXXXXXXXXXX On XX/XX/XXXX I received multiple alerts from my credit monitoring services that let me know that JP Morgan Chase had taken a Hard Inquiry from XXXX XXXX XXXX. 
I spoke to the Credit Bureaus, and they told me they can't dispute Inquires. However, the inquiries did impact my credit score negatively. They recommended that I speak to JP Morgan Chase.

I called JP Morgan at XXXX. They confirmed the action but couldn't help me that the advertisement said that. I was transferred multiple times, until being left on hold for XXXX minutes before I disconnected the call, without resolution. 

Given that Neither JP Morgan nor the credit reporting agencies seem to be able to help me remove this erroneous hard inquiry, I'm reaching out to the CFBP for help to resolve this matter.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

Ref- Case number : XXXX I just received a call from a representative at Wells Fargo 's Executive Resolution Department where she explained to me that Wells Fargo 's conclusion to my complaint is that I should 've " tried harder '' to get a hold of my processor if I truly wanted to lock in the rate the date that I emailed him. She also proceeded to explain that if I could n't get a hold of him over the phone that I should 've escalated the issue to a manager so I could get a prompt response. I explained that perhaps I would 've if I would 've gotten an out of office response from my processor, but he neglected to have one set up on his email and voicemail. I am very disappointed with Well 's response because this is a big company that should be held to higher standards. Where I work, when you are out of the office you set up an out of office response on your email so people know you are out, when to expect you back, and who to contact for immediate assistance. ( Same goes for voicemail ) Wells Fargo does not believe in this type of best practice. 
As for updating their website to explicitly state a purchase agreement is required to lock a rate, I was told that it is still under a review as to if it is getting updated or not. I 'm not sure how my complaint can be closed out without having a completed review of well 's website if I was directly impacted by the information that was provided on there. I was also told that it was the employees responsibility to inform me what was needed and not the website. That begs me to question why Wells Fargo even has a FAQ page then, if its not complete and accurate, because I 'm clearly being told I should 've only inquired by phone. I disagree with the responses I was provided by Wells because they are excuses and I 'm getting pinned as the customer because they claim I should 've done more to get a prompt response ( instead of 4 days ). I should n't have to suffer for someone who is out of office and I do n't know about it, a different employee should 've had access to his emails and/or my file. What happens when people go on vacation for a week? Do people 's files stay at a stand still? I would like further review from the CFPB and get CFPB 's input on my complaint because I am being treated unfairly.
Consumer complaint received 2015-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

This is very simple, but seems to be complex. I had a mortgage with Wells Fargo for 11 years, and never missed a payment. I refinanced XX/XX/XXXX, and have had this mortgage with Wells Fargo for over a year, and never missed a payment. So far, so good, right? I can not get XXXX or XXXX to reflect that the XXXX Mortgage was for 11 years ... .they show the dates, but on XXXX , neither XXXX or XXXX show 11 years credit, and that is what I need on my report ... .longevity is important to show my good history. 
Wells Fargo show the years XXXX-XXXX, but the XXXX are not showing.
Consumer complaint received 2021-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc. (MO)

On XX/XX/2020 I sent a certified letter to Monarch Recovery Management , Inc I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had opened a new checking account with Bank of America in XXXX of XXXX. Upon opening the account, I was advised that I would receive a bonus of {$300.00} if I met the requirement of a total of {$4500.00} in direct deposits made to the account within the first 90 days of opening the account. I met the requirements and did not receive the promotion after approximately 60 days after meeting the requirements. I reached out to Bank of America 's customer service and was advised that they saw I met the requirements, and it would just take a little more time to receive the promotion. After about another 4 weeks I called back and was advised that I would receive the promotion, I would just need to wait more time. 

After several contacts with Bank of America, and ample time to receive the promotion, I contacted customer service on XXXX XXXX, XXXX. I was advised that I will not be receiving the {$300.00} promotion, regardless of being advised previously that I met all qualifications.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC. (NC)

XXXX is billing me for a 2011 charge that is incorrect. Called my renter and scared them into paying the bill. Gave them all my personal information even secured my SS # with them!! I need help this is wrong
Consumer complaint received 2016-08-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC (NC)

I had 2 loans with a company called XXXX XXXX in XXXX Nc. I paid my loans off. AFTER my loans were paid. XXXX sold the company, ( not my loans the entire company ) to a company by the name of mariner finance. Now mariner finance is reporting to the credit bureaus that I have 3 unpaid loans and I owe them money. After disputing this on my credit report 2 where somewhat fixed but a third still remained. So I disputed it again only to have them remove the 2 paid loans and leave an unpaid loan. I have proof that I paid the first 2 but not to mariner bc I paid it to XXXX XXXX before the company was sold. I have nothing with the name mariner finance on it bc I have never done business with these people. all account numbers were changed after the company was sold. So the account numbers I have do n't match. Furthermore they claim there were 3 loans and I only had 2. How can I provide proof the loan never existed, if it never existed? Upon contacting mariner finance I was told they would settle the loan for {$700.00}. But I do n't owe them money! I feel like they holding me hostage with my personal info they bought from another company. This is not right and these bullies should be stopped.
Consumer complaint received 2018-12-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (NV)

My father died XX/XX/2018 There was a check issued from his escrow account on XX/XX/2018 for XXXX to XXXX  personal loans the account was not paid my dad died XX/XX/2018 XXXX terminated his account as of XX/XX/2018 which a copy of the termination was sent to guild mortgage they refused to refund the money to my mom I just don't understand how they can pay a terminated account with a voided check I sent the documentation XX/XX/2018 They replied XX/XX/2018 saying they would disburse the funds because there was no documentation to prove otherwise.
Consumer complaint received 2016-04-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (PA)

I returned my vehicle to Hyundai Finance and was told by the dealership that since I had Wheel and Tire insurance that I paid for monthly I would not incur any damage or wear charges. After turning it in, I have received a {$600.00} bill from Hyundai for rims, tires, and " bumper damage ''. They said they took pictures and placed them online and the damage was severe. At the dealership we walked around the car and the dealer said he saw nothing that would involve them charging me after the case for wear and tire in excess of normal. He said the rims and tires were worn and would be an issue if we did not have insurance, but since we did we were good to go with turning it in. Had I known that the insurance would not cover this when turned in we would have had it replaced first while covered, then turned the vehicle in. They are squeezing money out of us when we were paying for the coverage. We were told something by a representative of their company that apparently contradicts what they now say.
Consumer complaint received 2016-04-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (MD)

Their is a new company trying to collect a debt I do n't owe after I file a complaint on the old company I believe they are switching names and locations to not get caught. Please have the account remove my credit please. Acct # XXXX {$74.00} and # XXXX {$710.00}
Consumer complaint received 2016-05-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Radius Global Solutions LLC (OR)

I was directed by my employer to use my XXXX XXXX card for business and the company went chapter XXXX and did not reimburse me. ( that is what I was told ) Then I was forced to sign a judgement under duress, while my husband was XXXX from XXXX XXXX. This is only a partial explanation of what exactly happened.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

I worked with a Wells Fargo loan officer to purchase a investment property. I was told I would need XXXX % down. They were aware that the property was duplex. 5 days before my closing I was told I needed XXXX % down. Since it was there mistake they stated they would reduce some of my fees. In fact they increased my fees. 
I do n't know if this other complaint goes to you but my closing title company did not provide anyone to close with me to explain the documents I signed. They just told me to go to any notary since I lived out the state ( even through they knew this and did n't make arraignments ). Also I have not received a copy of the signed closing documents I signs and I was not provided keys and the XX/XX/XXXX rent to the address and lease agreements. They told me I have to contact the owners realtor to get that even through it was in my contact. They realtor told me they ca n't give me a copy and to ask the renters. Also I have received the rents.
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (AZ)

I have continually been contacted by multiple Debt collectors for a termination fee charged me by XXXX that I do not owe. I never signed a contract with them, and therefore this is invalid. The issue is that they keep sending it to different debt collectors. I have tried contacting XXXX to drop this collection attempt but they refuse to do so. They have a known issue with deceptive practices as noted on the XXXX website including not disclosing contracts, price switching ( which they did to me ), etc. I need to know what can be done to get them drop this charge that is not valid. I do not want to have to continue to send certified letters to debt collectors until the end of time while they continue to pursue this frivolous charge.
Consumer complaint received 2024-10-24
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Alorica Inc. (MN)

Systems & Services Technologies , Inc. is now the owner of my loan from XXXX XXXX. XXXX went under and the contract File Violated TSR. 
We all signed up for a company that would manage our credit cards and help our credit scores. In the end, they charge us fees and are now passing on balances to a credit collection agency, which will now be reported to our credit bureau and intern will ruin our credit scores. This is not what they advertised, If it was, we wouldve never agreed to work with XXXX.
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Lendmark Financial Services (SC)

Lenmark Finance Company continues to call my job. They have called multiple time which includes XXXX XXXX times a day. Trying to be smart and call back to back blocking their number. Threating to call to speak to our corporate office to get my information to file papers at my job.
Consumer complaint received 2016-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (AR)

Several years ago I went to a XXXX local dealer. I purchased an XXXX, for surfing the internet. I signed an agreement, two years, I believe. 

The next day the card quit working. I went to the same dealer, and was advised they [ XXXX ] were going to void the first contract and roll everything to a new contract with a new air card. 

More plainly speaking, I would still only have XXXX account. 

I recently tried to rent an apartment and found out that XXXX is reporting in a negative manner to my reports. 

I sent a dispute letter and they [ XXXX ] failed to respond. I am now going to file an FCRA action, after I dispute directly with the credit bureau first. 

I understand you may not act on my behalf, in a legal capacity ; however, I want to exhaust all administrative remedies. 

Thank you in advance for your assistance.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX ( my credit card company ) was to provide an Experian score every month. Experian has consistently reported an erroneous score ( XXXX points shy compared to XXXX and XXXX ) and punitive in nature since my inquiries to CFPB ( above case reference ), and currently did not provide any score even though XXXX XXXX has reported to all of the credit reporting agencies on XXXX/XXXX/2016. Upon review, all the credit agencies should have the XXXX information ; so why does Experian have an XXXX point difference?
Consumer complaint received 2015-04-10
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (NY)

On XXXX XXXX, 2015 I went online and entered the relevant information on XXXX to transfer XXXX {$500.00} to my sister 's account in XXXX. Up to today, XXXX XXXX, 2015, 23 days later, the funds have not been applied to the account and neither has it been returned to me. 
I sent the funds in time to arrive before XXXX XXXX to pay towards a mortgage that is in arrears. The non-payment of these funds has resulted in additional complications for the property that was placed on an auction list. Payment before XXXX XXXX ( when another mortgage payment came due ) was important in order to reduce the accrued debt to below 1 month. With the non-payment, an additional month has been placed on the outstanding amount removing the breathing room necessary to accumulate sufficient funds to bring it current. I am stressed, worried and presently scrambling to sell the property so as not to lose financially. 

I requested a refund on or about XXXX XXXX, with the aim of sending it through another money transfer system. They suggested that they would pay the fee to do this. Up to today I still have not received my refund. The last communication from XXXX which came in this week, XXXX saying that the funds were in the account but it is not. Just today the local XXXX affiliate/company contacted my sister asking what type of account does she have. She told them again and provided a screenshot of her account. 
XXXX 's service has been wholly unacceptable, unreliable and highly unfair to me, placing me into unnecessary difficulties. 

XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (CA)

I have had a problem with the " Direct Express '' debit master card account! I had XXXX different deposits ( returned merchandise ) from the same merchant into my account on XXXX/XXXX/2016 neither transaction reflects in my account! I have contacted the customer service numerous times to no avail! They refuse to allow me to dispute or file a claim for the money they have received from the merchant, and not deposited into my account. I am seeking your help to get my money from this Direct Express bank.