davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (OH)

Closed VA refinance on XX/XX/XXXX and still have n't received my escrow refund. Spoken with Title Company six times and emailed them once ; each time they have advised me that it was issued XX/XX/XXXX, and that I should continue waiting for the check. It is going on three weeks since the check was supposedly issued. They have also informed me that if I want them to send me the check, there will be a 30-day hold period on my funds so they can confirm someone else does n't cash the check during said time. Simply stated, I want the money they owe me and not another 30-45 days waiting on something they were ill-equipped to perform. XXXX XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Customer Service : XXXX
Consumer complaint received 2017-08-13
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: Exeter Finance, LLC. (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (RI)

In XXXX of 2016, Nationstar changed my monthly mortgage amount. Because I was traveling, my bank recurring payment was sent out in the usual amount which was about {$170.00} short of the new amount. Nationstar proceeded to credit my XXXX payment to principal rather than my monthly payment. They recorded my payment as never made for that month. As soon as I realized the error, I called Nationstar Customer Support. I followed up numerous time in XXXX, XXXX and XXXX of 2016 to rectify the situation. Each time I was assured that it was their error in applying it to principal and that they were processing the paperwork to fix it. They then gave me the amount that I needed to pay to resolve everything : {$3600.00} and that was paid on XX/XX/16. Since then, I have called many times, and the payment that they misapplied to principal has never been rectified. Support Reps admit that it was their error and promise the resolve it, but they never do. Because of this error in applying it to principal, they have now charged me over {$1000.00} in late fees. In recent months, I have asked to speak with Managers ; they assure me that they will call me back the next day with a resolution, they never call back. They give me their phone numbers and names to call ( XXXX XXXX ) and no one picks up. It has now been almost a year since the problem began and I have no resolution despite every person I speak to admitting that it was a Nationstar error. I have bank records to show that I have NEVER missed a mortgage payment in more than 10 years. In researching this online, I have found that Nationstar has MANY complaints in various states from other consumers like me where they misapply payments, then put the customer 's home into foreclosure. I have tried for almost a year to resolve this with them to no avail. I need help.
Consumer complaint received 2017-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

After seeing coinbase.com on XXXX, I decided to buy bitcoin, ethereum and litecoin.
At the moment, I should have Bitcoin : approx XXXX coins Ethereum : XXXX coins Litecoin : XXXX coins On XXXX XXXX  2017, my coinbase account requested my user name and password to log in. After I provided, the message came up to go to support and provide my ID and proof of address. I uploaded my drivers license and sent it to them.
I received a message that " support @ coinbase is no longer enabled ''.
I opened a case with their online support. Case # XXXX.
A few hours later, I received a response " We will follow-up with you as soon as we have an update. '' As of today, I have n't received a resolution or response.
I see several other unhappy customers that are in my position. How can a company run their business without timely customer support? How can they still continue advertising and generating new clients with out rectifying the issues with their previous clients.
I suspect that this is a billion dollar ponzi scheme!
Please help
Consumer complaint received 2017-08-13
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: Nelnet, Inc. (FL)

Dear XXXX XXXX XXXX/Neltnet I recently viewed my credit report and noticed errors on my credit report. I 've contacted you notifying you about some fraudulent student loan accounts open without my authorization, consent. I 've sent you certified mail letters, a police report, documents verifying that it was all fraud but you fail to send me any documents bearing my signature and it 's been past 120 days and going on 6 months. You 've contacted the credit bureau notifying them that these accounts belong to me. I 've called several times speaking to customer service reps and making them aware of this situation but I have n't received any fraud packets in the mail. I was lied to and given the run around. It is ridiculous. I 'm accused of these accounts and I 've never been a member of any colleges or signed any student loan documents. I am a victim of identity theft, and have been a victim for some time and several times throughout my life and it 's not a great feeling. I refuse to be accountable for someone 's wrong doing and this will be my final letter before any legal actions are taken against you and the credit bureaus for posting false information on my credit file. No ongoing reporting from month to month shall be posted on my credit because these are fraudulent accounts I am not aware of these accounts. I will have my lawyer investigate any documents, if for any reasons I suspect that a signature was forged by someone impersonating to be me, I will be seeking a lawsuit against any institutions, credit bureaus, and XXXX XXXX XXXX/Nelnet as well. I am now giving 5-10 days total. I am not sending any documents I 've sent in the past because I 'm spending my hard earned money sending over certified documents and if your company did n't correct these issues before then it 's not my fault. I repeat for the final time these accounts are n't mine. I have been an identity theft victim several times in the past and impersonated. How much more would I have to prove my innocence to you? I have discriminated against by your company as a criminal because you continue to contact the credit bureaus verbally verifying accounts that does n't belong to me. If that is n't discrimination then what is it? I am disheartened that your company continued to verify month to month for several years that this account was mine and it was n't.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

There is a 30 day delinquency reporting on all 3 credit bureaus. I 've spoken to 2 different agents within the credit department in reference to the delinquency. They assured me that this derogatory information would be remove due to an error in the delinquency reporting. It has been over 4 months and the late payment delinquency has not been removed. I 've been an account holder with the particular company for a long time and have been in good standing until this error which was not in my part.
Consumer complaint received 2017-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX 2017 my account was limited and money block from being withdrawn. I have sent all items I sold and have tracking to confirm the items have been delivered. After I completed all transaction PayPal is now asking me to provide my SSN and other personal information, which I did not agree to give. I have fulfilled all obligations to my customers so there is no reason for PayPal to be holding my money for 2 months. I want my {$140.00} released, I would never think a XXXX dollar company would bully its sellers around like this.
Consumer complaint received 2017-08-15
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: EQUIFAX, INC. (TX)

I have 2 inquiries dated XX/XX/XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.
Consumer complaint received 2017-08-12
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. (AL)

I have two student loans account that are on XXXX and Equifax due to Fraud! They were listed on XXXX but were removed XXXX XXXX, 2017 with police reports and ftc affidavits. XXXX forwarded the information to both XXXX and Equifax which they have to do because its a identity theft/ Fraud situation. XXXX refuses to delete the accounts as well as equifax. XXXX I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation
Consumer complaint received 2017-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

This is follow-up for Combined Complaint # : XXXX and XXXX. My second complaint is NOT a duplicate as you state ; it is instead a complaint about the way the CFPB basically shrugged off my original complaint against US Bank Home Mortgage. I was told by the OCC to readdress you again because according to the OCC, the CFPB IS supposed to investigate this matter. Your representative said the CFPB does NOT investigate this matter. Update : XXXX XXXX, 2017 US Bank replied to my reply letter. US Bank continues to state is has no responsibility in correcting our credit reports after it took 15 months to finally approve a loan modification. We directly refute this with proof in our complaint. US Bank simply denies it ever made any such claims of correcting our credit reports -- it further claims it deleted all documents that would support its claim. Basically, US Bank offers zero proof that it is innocent of the complaint we have made. US Bank cites that it is required by law to provide accurate reporting to the credit bureaus. No one is disputing that US Bank IS INDEED required to report accurately ; what we are disputing is ... .that they failed to correct what they said they would correct ... our credit reports!!
Consumer complaint received 2020-12-26
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo offers a " Returned item and Deposit Details '' service to customers for a fee of {$3.00} per month, allowing customers to view copies of deposited check images in online banking. Their terms state that " This fee is charged only during a month when the service is used ''. This can be a useful service and tool, well worth the {$3.00} fee when needed. ( See page 24 of attached PDF, referenced as page 35 within the booklet ). However, this fee has occurred on monthly statements in which the service has not been rendered, or the service was used without our positive consent. A ) Wells Fargo should be forced to alert the customer with a pop-up that a click within online banking will result in a fee for that month. The alert should require positive consent from that customer that acknowledges the fee will occur that month. B ) If the check image is unavailable for viewing, the customer should not be charged a fee as no service has been rendered ( see attached screenshot ). I consider this similar to the XXXX scenario, where a customer must consent to a purchase prior to downloading an app/music.
Consumer complaint received 2017-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

I have requested deferments on this account and or loan forgiveness because the school is no longer in business and while attending this school, I was not satisfied with them. I was not able to continue with the payments assigned to me at that time. I continue to ask for a deferment but the vendors/loan companies for the school continue to pressure me to accept a forbearance. I know that a forbearance causes the student loan to increase and at the time I was working and making {$9.00} an hour with XXXX XXXX and could not afford to pay on these loans. Since the school has closed. I am requesting a loan forgiveness. Please advise. I appreciate your time and concern with this matter. I eventually continued my education with the monetary assistance of my parents. However, I am receiving continued calls and emails for Navient and XXXX XXXX XXXX. I can not afford a Forberance and continued request for a Deferment is not answered.
Consumer complaint received 2017-08-12
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: EQUIFAX, INC. (TX)

I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX, XXXX XX/XX/XXXX Factual XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

You sent old looking random statements as proof this is my debt countless times owed to Portfolio Recovery LLC. I NEVER EVER paid anything to your company EVER and this is a COLLECTION and NEVER signed a direct contract with Portfolio Recovery. This should NOT be flagged. This is all FALSE and NO PROOF this is my debt STILL. 

Regarding {$650.00}, {$430.00} and {$310.00}
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (MD)

On XX/XX/XXXX I was notified by SunTrust that my Debit card had been 'Compromised ' and that they were going to cancel my existing card and issue a new card. After I had been notified someone attempted to access my account by doing a balance inquiry. SunTrust debited my account a 'Non SunTrust ATM Fee ATM Balance Inquiry Fee '. This balance inquiry was not done by me. As soon as I noticed the fee charged to my debit card I contacted SunTrust by phone. This was on XX/XX/XXXX at XXXX XXXX. I was on the phone with the SunTrust Fraud department for 29 minutes and 36 seconds. I was told repeatedly that it was against SunTrust Policy to reverse charges for fees even when they were not incurred by the account holder. For a bank to charge a fee to a customer that they know was not incurred by the customer is beyond ridiculous. I would like to have the CFPB advice SunTrust that their actions are petty and not in the interest of their customers.
Consumer complaint received 2017-08-12
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. (GA)

XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.
Consumer complaint received 2017-08-14
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. (NY)

I applied for a credit card with XXXX. They approved me for {$300.00} on XXXX XXXX, on XXXX XXXX, I called them up and told them that I was not interested in their card and did not want to continue with the application. Now, on my credit report I see that they are reporting that I have a credit card with them and a balance of {$75.00}. When I called them and the credit bureau I was told that the account is going to be reported as closed. I was only 48 hours when I decided I did not want the card and therefore this card SHOULD NOT BE ON MY CREDIT REPORT AT ALL.
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOV ASSOC is a Debt Collector who has reported a debt of {$1600.00} that I do not owe to the Credit Bureaus. The original Creditor is XXXX XXXX XXXX  XXXX XXXX. Thi9s creditor has never contacted me. 
I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. This collection agency just sends a bill without any documentation that I owe the debt. They only say '' we have investigated, and the debt is valid without providing any documentation. This debt is not my debt and may be because of identity theft. 
Their address is : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Phone # ( XXXX ) XXXX
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (GA)

I have been a card holder with Synchrony Financial ( Gap Visa ) for over 4 years. I have always made my payments regardless of my situation. I lost my job and was still making payments after attempting to have them work with me on the payments due to lack of income. They were unwilling to work with me so I had no choice but to make my payments. Prior to my job loss, I had never made a late payment with them. I continued to make payments, even if they were late, the late fee was paid along with the payment. my XXXX 2017 payment was made in the amount of XXXX. When checking my credit report, I noticed a 30 day late payment and called the company, I was told that it was because my bill was XXXX and I only paid XXXX I requested that they remove the late payment in good will for an honest mistake ( after I paid the additional XXXX dollars ). The company refuses to remove the 30 day late and it is impacting my credit score by 100 points. I am unable now to buy the home I was in the process of purchasing for XXXX dollars and an honest mistake. I even paid the entire balance off the following month and they are still not willing to help me even after I have been a good loyal customer for years!
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been working with Wells Fargo for possible home retention options in order to avoid foreclosure and remain in my home. After several attempts and even hiring an attorney, I feel defeated. My first submission was denied due to Wells Fargo stating they could not reduce my monthly payment, I think re-applied using my girlfriends income, which double my income at the time, they still would not provide me with options. Finally a 3rd attempt was made which reflected my most recent income, my rental income and proof of ability to pay and yet once again I was denied as they stated they " can not review the file due to the changes of circumstances being the same '' although that is not true, my income is different. I am not asking for a lowered payment, I am simply asking to start making my payments again. I explained my hardship, in 2010 my XXXX son was XXXX XXXX XXXX XXXX XXXX, additionally I then went through a divorce. These too major events impacted my life and was unexpected. I did not intentionally default on my mortgage but things happen and I am grateful to even have the opportunity to be considered for options but feel I have been treated misfairly and not being properly considered for all options to save my home.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I had to return a XXXX Thermostat to XXXX XXXX in Texas for failing to compete a two year term with them as an energy provider. I returned the thermostat in the mail with the address the company provided. A company called Transworld Systems : XXXX XXXX XXXX XXXX DE XXXX Is attempting to collect {$200.00}, the value the company believe the XXXX thermostat is worth. Again, I returned the thermostat. They continue to call my home and cell phone daily and send letters attempting to collect a non-existing debt. I told them once on the phone that I returned the thermostat already, yet the problem continues.