davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I refinanced our mortgage with a closing date of XX/XX/26. Prior to close we received notice that servicing would transfer from XXXX to PHH Mortgage on XXXX. The payoff statement compiled by XXXX was for a payoff on XXXX to account for this. We closed on XX/XX/26. Funding of the loan occurred XXXX and a check was sent to XXXX ( per XXXX instruction ) by the closing attorney. XXXX received this on XXXX and turned around and sent to PHH. It has been confirmed that PHH received the envelope from XXXX on XXXX ( the payoff date that was calculated for my closing ). Never seeing that my loan was paid off I started to contact PHH about this. Finally after several weeks of contacting them they claim to have lost the payoff check and to cancel the check and wire the funds ( which I had suggested weeks earlier ). Last week the closing attorney wired the XXXX payoff funds to PHH and PHH has confirmed receipt, however, they claim that they payoff funds are short since PHH has been accruing interest since XXXX, the date they received and subsequently lost the original pay off check. I have complained there should not be any extra interest since they lost the check in the first place and so some group at PHH is looking into it. When I look online, PHH still shows that no payment has been made and my full balance is outstanding. When I called, they again said the payoff was short and that they can not apply the funds in any way until the issue with the interest is resolved, which last week I was told could take 20 days. They also would not say that they would not report me as delinquent when the 60 day grace period is over in a couple days. I fully expect it will take the full 20 days to hear back from them and in a couple of days that my excellent credit score is going to be ruined, and that PHH will start charging me delinquent fees for non-payment, even though they have several XXXX XXXX dollars in their account from my payoff. You cant get a hold of the person you are working with and they dont return calls when you leave messages. Trying to get an email sent to you will take 2-3 business days as our system is only set up for internal emails. It is all a scam to delay, delay, delay so they can continue to accrue interest/fees. They are a terrible company. Given that the consumer has no say in who the servicer is, being forced to deal with them has been a nightmare and they should not be allowed to service mortgages at all. Just check any review of them. I am beyond livid that there is no one legally responsible for making sure a refi loan is paid off and that I spend hours trying to get someone at PHH to handle this. They are absolutely the worst servicer I have ever dealt with.
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC (CA)

LoanPal has repeatedly demanded payment via phone calls, but have been unable to provide any statements outlining the debt owed. 

I have made multiple attempts to get them to stop calling to collect a debt for which they have been unable to provide a statement for, but they have refused.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

We transferred {$4400.00} via ACH transfer from Bank of America to XXXX bank located in New York on XXXX XXXX. This was a payment to XXXX. It's been almost 5-6 months and still money didn't receive by XXXX. We are circling back and forth between XXXX and bank of America. Made 100s of calls and trip to their physical bank location. Finally we are getting in touch with right department of XXXX and they need technical detail ( attached here ) to trace back the transaction. We tried to contact both banks ( BOA XXXX XXXX XXXX and they both are asking to go to other bank. I don't even know if I receive it back. All I need is detail transaction information to trace back my money.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX  XXXX and XXXX XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MO)

IC Systems appeared on my credit report from XXXX for {$2400.00}. I called XXXX to get and a break down explaining how I owe them this amount and they refused to provide me any information and instructed me to call IC Systems. I called them and they also could not provide me with a breakdown besides saying it was for equipment. I asked them what equipment was listed and they stated it was two phones. In 2019 I had only one phone with XXXX for two years and a digit line and the phone was paid off. The representatives could not give me any other explanation but stated they will do an investigation and for me to call back in a week. I called back multiple weeks without results or validation of the debt. I filed a dispute with the credit bureaus and they only updated the information and after speaking with an agent they stated nothing was submitted to validate the information but just updated it and instructed me to file a complaint.
Consumer complaint received 2021-03-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX, and XXXX are not responding to any letters I sent in for Debt Validation. I have multiple incorrect errors on my credit report that they are not reporting correctly. 

XXXX XXXX XXXX OPENED XXXX XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATIONS DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATION DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE XXXX  XXXX XXXX  OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I contacted this web company in an attempt to buy a dog for my toddler. When I contacted them and they got back to me, I was asked to sign a bill of sale contract to purchase the puppy. During the process everything went smoothly until I made the XXXX transfer. The same day of the transfer I got an email from this individual saying that I would have the puppy by Saturday XX/XX/2020. When I contacted them the day before XX/XX/2020, I got no response and when I went to search for their website, it was gone. Internet pop up only said " we are working or creating something special '' Then I realized what happened. I called my Bank and when they researched the transaction to see if I could reverse it, they said they could not do that. What I found upsetting when I called Bank of America is that the associate informed me that the account where I transferred the funds to was also a Bank of America client. Regardless if this account being from there, they could not reverse the transaction. I created a claim but they denied my request. I was advised by the associate that the account of this individual would be frozen. I was so disappointed and sad I gave up. I didn't even want to think of what happened, but recently I was told to reach you about this situation and maybe you could help with this matter. The email I used while exchanging questions etc. is XXXX XXXX
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have requested my loan be placed in Forbearance because of financial/economic hardship due to Covid-19. I have called and made several attempts to request forbearance. TD Bank keeps telling me that I do not qualify for mortgage forbearance but they refuse to provide documentation or a letter acknowledging/refusing my request. I have called at least 6-7 times and every time I call, they transfer me, tell me that I can submit a RFA ( request for assistance ) or they tell me that TD Cares has to help me and I can never get through to anyone in that department. If I am able to get through I am being told the same story again and again that I have to complete the application for forbearance so that I can get the refusal letter. They have been telling me these same things each time for over a month. To no avail.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe XXXX.
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AFNI INC. (PA)

They sent mail to an address that no one under the name lives at and I asked to stop recieving mail and phone calls to which they said the mail would stop but would not stop calling me after I asked them multiple times to not call me anymore which is my right, this company needs to be taken down as a collection agency horrible agents over the phone got hung up on 3 times.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This complaint is to Experian Directly, Experian has mishandled my information and is doing nothing to protect my information. I have talked to numerous representative about adding extra security precautions but they are not willing to provide other authentification factors besides questions from my credit report which the fraudster already have. 

I have called them numerous amount of times to change my login information and re add fraud alerts and dispute many items. 

What I would like Experian to be to do is allow the consumer to opt-out of any automated systems, login removals, and add other factors of authentication such as special passwords or two-factor authentication such as password generators or SMS text which only I should have access to. 

The security system in Experian is out-dated and is handled by third-party sources which should not be the case since this information is extremely sensitive. Please have Experian update their security measures and provide more options for the consumer to protect their information.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

There is a fraudulent collection on my account. I asked them to remove it three times already and the last time I asked was XX/XX/2021. There response was it falls under the fair credit reporting act. I have the original document from the creditor I obtain from a lawyer and it has different address, payment amount, name and phone number then whats on my credit report. I submitted new documents and they used a report from earlier in the month to justify the new document I provided.
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Been submitting modification paperwork since XXXX, was taken out XXXX and resent, then get another letter from wellfargo sayig need more paperwork and nothing was sent! LIARS AND VIOLATION OF FDCPA now faxing again XXXX and XXXX. SELF EMPLOYED XXXX XXXX  AND WANT 6 MONTHS XXXX XXXX XXXX ONLY NEED 3 MONTHS FOR ALL NOT 2 SEPERATATE! So tired of ther lies and say nothing was sent XXXX sent paperwork in XXXX and said wasnt received! GOING TO COMPLAIN EVERY TIME UNTIL SOMEONE AT WELLSFARGO HAS A XXXX!
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

on XX/XX/20 I noticed someone took money from my bank account. I contacted my bank and found that it came from CashApp. However, I had not used cash app. When I looked into my Cash app account I saw that monies was missing from my bank account and XXXX XXXX. It appeared there were numerous failed transactions and numerous transactions that were processed. I immediately tried to contact Cash app. But to no avail they would send me the same email over and over again. As I continued to look into this fraudulent activity I found that my phone number was changed as well. I then contacted the person but got no answer. I even tried to send a request to them to send my money back. Cash App has not returned my money that was stolen from XXXX XXXX. Also, my bank refunded me the money that was stolen from them. However, Cash app then put that money as a negative in my account as if I owe them. I have tried to file a report with my local authorities and they told me that they have tried to contact Cash App for information over the years and have received no response. This company is stealing from people and not returning their money. I would like to file a class action law suit against them to stop these dishonest practices. Someone needs to hold them accountable.
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

On XX/XX/XXXX I received an annual escrow statement dated XX/XX/XXXX and noticed the homestead exemption I was granted was not included on the statement. ( new statement reflects a monthly payment increase of almost {$400.00} d/t county tax. I called mortgage company and they asked for me to send " granted '' document to research dept and provided me with fax number. On XX/XX/XXXX I called to follow up on fax and was told to give it 'a couple of days '' On XX/XX/XXXX I called the mortgage company ( Amerihome ) and was informed that the fax was wrong & the document should have been sent to the Tax Dept and was provided a new fax number and faxed the form on XX/XX/XXXX. I called on XX/XX/XXXX and was informed that " a letter has been mailed to you and you should receive within a week '' The employee said she could not see what the letter was about. I logged into my online account to check messages and nothing was sent. On XX/XX/XXXX I called back and was informed there was no record of any fax to research or tax department. On XX/XX/XXXX I emailed the mortgage company " XXXX '' and sent both fax confirmations and granted homestead exemption along with my account information. On XX/XX/XXXX I emailed them again requesting for someone to help/ contact me. When I called on XX/XX/XXXX I was informed that " the research department has until XX/XX/XXXX to research and make decisions '' In the meantime my payment is due XXXX and I have until the XXXX until it is considered " late '' I called the Attorney General who left me a voicemail to contact CFPB. Today I phoned the mortgage company and informed them that I called the Attorney General. They have located my document and now say it will be another 10 days to review. I have been in continuous contact with this mortgage company since XX/XX/XXXX requesting for the granted homestead exemption to be applied. I can not help but reach out since I believe they are doing this intentionally. I don't want a " late payment '' while rectifying the issue, however the mortgage company personal on the phone today confirmed that if I pay the new amount that I am " accepting '' the new monthly amount and will be up for a homestead exemption for XXXX. This is unacceptable. I closed on my house XXXX of XXXX and filed for the exemption in XX/XX/XXXX for XXXX, that was within the deadline and accepted by the county tax department.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV INC. (PA)

XXXX XXXX has submitted items for the same transactions over and over, causing overdrafts as well as bank fees. In addition, Telecheck, ( TRS services XXXX XXXX process for bank transactions ) has assessed 5 @ {$30.00} each time. At the present time, TRS has presented these same 5 {$30.00} four times. Each time XXXX has assessed OD fees and returned the item. 
It is usual for a second representment of the same item, however, more than two times is abusive as well as a violation of the banking regulations. XXXX XXXX, TRS as well as XXXX bank are in violation by allowing these transactions to continue endlessly. It is a process to generate additional fees for the financial institutions. 
Adding to this, TRS, as sent me invoices charging not only the amount of the item but an additional fee of {$30.00}. The items {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$50.00} Ref XXXX In addition, there are extra fees of {$30.00} added to the above amounts. And 5 x {$30.00} has been deducted from my account. 
TRS threatens to disallowed any activity regarding financial institutions, i.e. opening accts, check denial etc. 
As well, transactions which were processed as an XXXX were changed to a check as a means to process the items a second, third and fourth time.
Consumer complaint received 2021-03-30
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. (CA)

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 XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-03-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MidAmerica Mortgage Inc (TX)

In XXXX of XXXX, there was a report from Mid America Mortgage saying that I had a late payment in XXXX of XXXX. I had made sure to provide a copy of my bank statement that the money was indeed given to them on time. As it turned out the department that handles the processing of money seemed to have some oversight in processing my check. In XXXX of XXXX, I had another lender look at my finances in order to purchase another home. They noticed that there was still a delinquency note on my credit history. Since then I have been calling Mid America Mortgage to get it resolved only being told that they would escalate the problem to management and that they would get back to me in a few business days. It wasn't until late XX/XX/XXXX after calling every few days or so that I was able to finally speak to a supervisor. The supervisor then said that because my complaint had not reached them before the XXXX of the month that they were going to be able to fix my credit report. Instead, they would fix it on the XXXX of XX/XX/XXXX when corrections to accounts are to be made.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

Ive got my money stolen from me from my cash app because this person watched me put in my pin. 
This person is named XXXX XXXX $ XXXX is her Cashtag.She stolen {$220.00} and i didnt authorize this payment on XX/XX/2020 Although i did pay her {$25.00}, this person watched me put in my pin and waited until i was away from my phone to access my account from my phone and sent herself $ XXXX.I didn't notice this until later when this person had left the premises. 
I did not authorize this and I've brought this to the attention of cash app support with no real results. 
As a customer. I'm totally aware of the cash I send and receive and would label it as a mistake if that were the case. 
This was a person who stole from me and I requested a 'Right to refund from square. 
I don't feel like support is understanding that i dont make a lot of transactions so i know exactly what goes in or out. 
I have to record this for business purposes. I can not afford to send anyone large amounts of money without a label in the subject line. 
Thank you