davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (PA)

I have a rental property financed with Quicken Loans. It was our former residence. We lost our tenants in XXXX of XXXX. The tenants " trashed '' the property, which required extensive renovations. When it was complete, we listed it for sale. We were unable to pay the mortgage with no tenant, but stayed in contact with the lender and kept them apprised. No offers were forming. In XXXX, we applied for a short sale and were denied. On XX/XX/XXXX, Quicken entered and secured the vacant but maintained property over our express objection. They cored the locks and changed them. We were unable to access the home for showing/sale for two days. We wrote a strong letter, and Quicken eventually agreed to a short sale. We signed and returned all documentation including a promotion agreement with XXXX. Several " winning '' bids were rejected w/o notice and without our knowledge. In XXXX, collection calls restarted. In XXXX, we were told that we " never returned '' the short sale paperwork ( impossible as it was faxed in triplicate and returned via express carrier ). We wrote a second letter and informed the lender we wanted to pursue a Deed in Lieu of Foreclosure and threatened legal action for trespassing, theft, harassment, bad faith, financial damages, repetitional damages ( credit ) and intentional infliction. In a phone call on XX/XX/XXXX, we were told we could not use a DLF and they were moving forward with full foreclosure, even though we are willing to give the lender the house. We were told they were prepared for a lawsuit and any publicity or official complaints we may file. We have been absolutely assaulted by this company. We are a middle class family, not real estate professionals and feel we have no recourse. All we want to do is responsibility dispose of the property and get own with our lives. Instead, Quicken Loans is putting us through XXXX.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (WI)

I contacted Ally Auto ( subsidiary of Ally Financial ) regarding placing my vehicle on loan through them in storage, in order to be able to reduce the insurance cost and not be penalized. My first contact with them was around XX/XX/2020. I reached out via their chat system to inquire about what the process was for completing this. They told me that they would submit a request for a letter of storage approval to be mailed out to me, and I would receive it in 7 to 10 business days. 

Around XX/XX/XXXX, I had received nothing in the mail. So I reached out to them again regarding this matter, asking for a status update. This was again via their chat system. The representative told me that they needed more time, and to please allow for 7 to 10 more business days. I ended the chat, and began waiting again. 

On XX/XX/XXXX, more than a month after my initial request, I still had received nothing via mail. This time I called their customer service line, asking for another status update. The customer service representative placed me on hold to check the status of what I had requested. They came back and told me that there was never a request in their system for a letter of storage approval. They said that they would place the request, and to please allow for another 7 to 10 business days. That same day, I also submitted a complaint to their customer service department, and it said that if they received a negative feedback, I would be contacted via phone in the next 1 to 2 days. I never received a phone call back. I also have not received any letters in the mail regarding placing my vehicle in storage. I'm coming on close to two months, and I have now paid an extra couple XXXX dollars in insurance for a vehicle that I am currently not driving.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (FL)

I have an account with Robinhood, when I set it up last year it asked for my phone number and email. I used my home number. For a year now, whenever I make a trade, it emails me a code ( 2-factor authentication ). On Monday, XXXX I tried to make a trade and instead of emailing me the code as usual it asked how did I prefer to receive the code and there was only 1 option SMS ( which it tried to send to my home phone ). So then I tried to change the phone number and it said in order to change the phone number it would text me a code - which I obviously can not get. I emailed customer service - which was not easy to find where - and it said they would get back to me in 1-3 DAYS! DAYS! Whoever heard of taking days to get back to someone when money is involved. There is no phone number anywhere to call. So then thinking this must be a glitch I logged out and tried to log back in, which it won't let me without the same SMS code that it is sending to my landline. I tried to reach customer service again and it says to log in to reach them, which I can not do. Then I tried resetting my password - same thing, wants the SMS code, which I can not get. Spent the next hour trying every button on their help site to finally find another spot where I can email them, again 1-3 days. Well its been 1-3 days now, meanwhile I am unable to trade and losing money every minute. It is incredibly irresponsible to make changes to to their system without notifying their clients, they no where said the number provide had to be able to receive texts, and then they suddenly removed the email option with no warning. To compound this there is NO WAY TO REACH THEM! Impossible that they are in charge of people 's finances with no level of customer service. People need to know. They need to be fined/stopped/put out of business or something. I'm am beyond upset. Today Thursday and I have had no access to my account and money since Monday through no fault of my own. This is 2021 in America, impossible to believe that this exists.
Consumer complaint received 2019-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed the following CFPB complaint re : Capital One Case : XXXX CFPB No : XXXX in late XX/XX/XXXX. Capital One responded, in pertinent part, Dear XXXX XXXX XXXX, You recently contacted the Consumer Financial Protection ( CFPB ), about charges from Spy Spyfly.com for {$1.00}, billed to your account on XX/XX/XXXX, and {$29.00} billed to your account on XX/XX/XXXX. As well as charges from XXXX for {$1.00}, billed to your account on XX/XX/XXXX, {$39.00} billed to your account on XX/XX/XXXX, {$39.00} billed to your account on XX/XX/XXXX, and {$39.00} billed to your account on XX/XX/XXXX. We understand you believe these charges are fraudulent ....

Our records show, on XX/XX/XXXX, you spoke with one of our agents to report fraudulent activity ... .Regrettably, the agent failed to file a lost stolen report on the card where the charges took place ... Because of this, the merchant was able to continue charging the account on XX/XX/XXXX, and XX/XX/XXXX, as mentioned above.

As a result, we re-billed your account on XX/XX/XXXX, for {$29.00}, XX/XX/XXXX, for {$29.00} and XX/XX/XXXX, for {$39.00}.

***However, as of XX/XX/XXXX, I can confirm all of the fraudulent transactions have been credited to your account and there have been no additional charges from the merchants. *** If you have any additional questions or concerns, please give me a call at XXXX, Monday-Friday from XXXX XXXX XXXX PT. When contacting me, please use XXXX as the 6- digit PIN when prompted. My 7-digit extension is XXXX. Im glad to help any way I can. 
Sincerely, XXXX XXXX, on behalf of Capital One XXXX : This last sentence marked by XXXX XXXXis untrue. Capital One continued to rebill me for {$39.00}. Three times. I tried calling and leaving a msg for XXXX, XXXX, at the number he provided to advise him of the last {$39.00} rebill on XXXX 2018 that was not refunded, contrary to Capital One 's letter to CFPB. His name is not on the XXXX greeting. Instead it is a " XXXX XXXX. '' I left XXXX on XXXX, XXXX, and on XXXX, XXXX, a senior acct executive,  said he was sending an instant msg to XXXX as we spoke. To date, neither Ms. XXXX nor XXXX, nor anyone from Capital One has contacted me to follow up and resolve this. The final {$39.00} rebill for the fraudulent charge remains on my acct.
Consumer complaint received 2019-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (MD)

On XX/XX/XXXX I went into a lease agreement with Carmax Auto Finance for a XXXX XXXX XXXX. My monthly payment was {$490.00} dollars for a term of 74 months. XXXX XXXX I was in an automobile accident that rendered the car a total loss. My insurance carrier XXXX XXXX paid Carmax around {$12000.00} dollars which left a gap of approximately {$6000.00} dollars. They recived payment On or around XX/XX/XXXX. I argued that the car was not worth {$18000.00} dollars and so I should not be responsible for a balance of {$6000.00} dollars. Parts of the car were salvaged and yet Im still responsible for the remaining balance. I received countless phone calls from Carmax Auto Finance after I informed them that I had a hardship due to the accident and was unable to work. This situation has messed up my credit and Iam unable to get another vehicle loan as a result from this balance. They are adding unfair late fees and interest fees even though the loan is closed and charged off. Please investigate this further.
Consumer complaint received 2021-04-05
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (NY)

XXXX phone company is claiming I owe them {$8600.00} for account # XXXX. 

This notice came after the contract was paid in full throughout the year of XX/XX/2018 and closed. Notice came in the form of the Collection Agency letter. 

Numerous communications were made with XXXX whose website bill statement claims all the payment made throughout the year reversed back on XX/XX/18 due to Financial Institution request. I was advised to contact Financial Institution. And I did. As per my bank, transactions claimed by XXXX did not take place which is further supported by bank statements. 

These same bank statements were provided to XXXX for investigation which had no consecutive action, phone calls, or emails. In a follow up communication by me I was advised to follow up with financial institution, which I already did, and the conversation went on in circles. 
Meanwhile, collection agency is calling me several times a day, and already effected my credit score.

I am attaching three bank statements around the date XX/XX/18 to show no reverse transactions registered on my end.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (NC)

I attached screenshots of my transaction with XOOM. 

I send money to my parents in the XXXX 2-3x a month. They need this money for their livelihood like food, bills, medication, etc. its their money from their retirement. They need it. 

My mom said she tried multiple different money remittance agencies and all told her that the transaction is Unauthorized. WWHAT?!! 

I used my XXXX XXXX credit card to send their money, but now they cant even get it. 

We live in very rough times ... Why is xoom doing this?! 

Please help
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to get this issue fixed for almost an entire year. 

TransUnion has failed to fix this issue. This is my 3rd time reporting this as well. The 3rd party credit report, XXXX XXXX has my credit score about 50 points less than it should be due to the inaccuracies TarnsUnion has in the database. 

The credit card that I hold from XXXX XXXX XXXX XXXX is not on my credit report accurately. 

It does not display as OPEN and is hurting my credit report dramatically! 

Id like for TransUnion to fix this issue!
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (UT)

In XXXX of XXXX my home in XXXX XXXX, Florida was damaged by Hurricane Irma and declared a FEMA disaster area. After over 1 year of recovery and {$160000.00} I think my house is repaired. FEMA did not offer any assistance as I had insurance and they referred me to the SBA which was quite helpful. Albeit a 3rd TD on my house at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

Ditech, my loan servicer, offered me a forbearance period pursuant to FNMA guidelines as being in a FEMA declared disaster area from XX/XX/XXXX to XX/XX/XXXX. I was granted a forbearance period for monthly payments until XX/XX/XXXX. 

After XX/XX/XXXX they want a lump sum payment of {$40000.00}. Not what they told me. 

It cost over {$160000.00} to repair my house. 

Ditech managed my repair escrow account during the process. 

They granted me and told me that at the end of the forbearance period my loan would be modified to include the foregone payments and it would be added to the principal balance and modified. 

They have now offered a loan mod. on a 20 year amortization increasing my monthly payment by {$2000.00}. That hurts. They offered counseling. Serious? 

They did not tell me the truth! When I call them they claim the call will be recorded. I have asked for the recorded audio records to prove what I was told. 

They told me the forbearance would not effect my credit. 

My FICO score has dropped from XXXX to XXXX and they report me as 180+ days delinquent. Not what I signed up for! I could not get a car loan with that FICO. 

XXXX XXXX has reduced my credit limit on my unsecured credit line from {$13000.00} to $ {$3000.00} as they ran my credit and they were not impressed. 

Ditech is not being fair. They respond but not satisfactory. 

All my bills are paid on time. You have my permission to run my credit report. 

This is not RIGHT! 

My credit to me is very important. I complied with everything they told me. 

This is not right! 

Not sure how or if I need to upload the supporting documentation. The last conversation I had with " XXXX '' at Ditech he told me I was delinquent 180+ days and it could not be changed. How can I be delinquent in forbearance? " XXXX '' said they can't fix my FICO. XXXX! 

I made payments at the end of forbearance in XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. 

I want them to fix my credit report!!! 

I have done all I was told I needed to do. This is not fair. I did not make the Hurricane and complied with all I was told I needed to do to repair my house. What's the point of FEMA, SBA, and FNMA? It's not RIGHT! 

I want my FICO back to XXXX all I have all the back up documentation. Ditech has my correspondents also. Where do I go from here?
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I visited XXXX XXXX apartment complex ( previously the Foundation ) in XXXX, CA at XXXX XXXX XXXX on XX/XX/XXXX. I was fooled into signing a leasing agreement before I got notified that I can't move into the apartment because I didnt meet financial requirements by the representative with the first name XXXX, but the real reason why they denied me to move into the apartment was my gender because most of the people in the apartments are male. When XXXX explained to me ( over the phone ) the reason why I can't move into the apartments she told me that the people on the apartment complex are from a different social class ( higher ) so the company thought I wouldn't fit with the community, and for that reason they denied me to get the keys of the apartment and denied to move in. 
I have been charged each month for the rent and have received a letter XX/XX/XXXX that the apartments have forwarded an outstanding balance to a collection agency, thing that they never let me move into the apartment and they decided to cancel my lease agreement. I have discovered a fellow civilian who shares my same situation.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

I applied for a Citibank American Airlines Card back in XX/XX/2018 the promotion was XXXX points for spending XXXX for the first 3 months. I have spoken to citibank multiple times and they tell me it I had to spend {$4000.00}. I read the offer at least 20 times, If i had to spend XXXX I would have just spent XXXX. they asked me to look for my offer but mysteriously the email has dissapeared, also I didnt keep any of the paperwork that came with my offer, why would I need to?? i would assume they would just honor their offer. At this point I'm actually pretty XXXX with the experience. I want my miles.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

I have previously disputed the above-mentioned student loan payment history on XX/XX/XXXX, XX/XX/XXXX. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. 



I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Please see lines 5 & 6 of the attached FTC advisory opinion. 



The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. 



Navient representatives told me that because the delinquent payments were accurately reported previously, they would not update their reports to the credit bureaus to show that the payments were now paid. However, Section 623 ( a ) ( 2 ) clearly states that the reports must be updated/corrected regardless of whether they were accurate at one point. 



Therefore, my credit reports do not accurately reflect what was set forth by the FTC Advisory Opinion to XXXX ( XXXX ) with regards to the Fair Credit Reporting Act ( " FCRA '' ) on the reporting by educational institutions of additional information to credit bureaus about defaulted student loans. I am therefore requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the above-referenced account showing late payments in XX/XX/XXXX be updated and corrected.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (WI)

I received a credit alert via e-mail at XXXX pm CST via my XXXX Protect My ID program. I logged in and saw that BMO was reporting my account delinquent. I called XXXX at XXXX XXXX XXXX  to inquire about it, but that phone kept asking for my phone number and PIN but never led to an actual person. I then called XXXX and ended up talking to XXXX. 

He explained the XX/XX/XXXX payment was not received. Told him I sent it. He said because it was not a full payment, it was not applied. Paul admitted BMO has my mortgage payment, but BMO is refusing to apply it. During the conversation I learned my monthly payment had increased and that BMO never notified me of this. XXXX said BMO mailed me 2 notices, but when I asked him to give me the dates of the notices, he said he didn't have access to that. We went back and forth about the notices, he claiming I had received them but never producing any actual proof I had. I asked him to tell me what address BMO had sent the notices to, but he was unable to tell me either.

We were not getting anywhere, so I asked to speak to his supervisor. He put me on hold and told me his manager, XXXX, was on the phone with someone else and to give him a number XXXX could call me at. 

After my phone call with XXXX ended, I started looking at the statements online, my preferences and my paper files to try to better understand what was going on. The last paper statement I have from BMO was the one dated XX/XX/XXXX. The last escrow analysis I received from them via mail was dated XX/XX/XXXX for changes effective XX/XX/XXXX. Every year, once I receive that, I make changes to my monthly payment. However, I did not receive any escrow analysis in the mail for changes effective XX/XX/XXXX. 

I then turned my electronic version of my account with BMO. I went to the paperless statement setting to see if I could find any answers, but BMO tells me that I " don't have eligible accounts for paperless statements. '' I then checked the settings for security alerts and notifications and alerts, BMO has my current e-mail and phone numbers but never sent me an e-mail or a text about the change if payment and the so-called delinquency. I don't even get notices from BMO that a monthly statement is available. 

I then tracked down the electronic statements to see what answers I could find. It turns out that the mailing address on those documents is " XXXX XXXX XXXX XXXX, Return Mail, IL. '' Even the escrow analysis for changes effective XX/XX/XXXX doesn't even have my address!