davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Toward the end of XXXX, mail was stolen from my mailbox. My mail, including several credit card applications, were found in the home of a man they arrested for drugs. Before the arrest the individual had already initiated an unsolicited application from XXXX XXXX for a {$300.00} card. In XXXX XXXX, I started receiving statements for the {$300.00} plus late fees. I explained the Post Office notified me of the theft and the card was not requested by me, and I asked for XXXX XXXX to provide the application with my signature. They refused to provide any documentation. Around XXXX, the debt was transferred to Portfolio Recovery Associates. I explained the theft to them, requested documentation showing my signature ( or proving it was falsified ) and they refused to provide any documentation. I requested this documentation by phone and also by mail. Nothing has ever been provided, except random statements showing a debt of {$1500.00}. The calls and mail have continued for more than 13 years. The mailed documents state, " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' This statement demonstrates the relentless calls are unfounded and nothing more than harassment.
Consumer complaint received 2024-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc. (GA)

I am writing to file a formal complaint against Essex Mortgageregarding their handling of my mortgage escrow account. I believe that the company has violated several federal regulations, including those under the Real Estate Settlement Procedures Act ( RESPA ) and Consumer Financial Protection Bureau ( CFPB ) policies, specifically related to escrow account management and mortgage payment notifications. 
Issues : 1. Failure to Provide Required Escrow Analysis : Essex Mortgagehas failed to provide me with an annual escrow account statement that includes the required escrow analysis as mandated by 12 CFR 1024.17. This statement is critical to ensuring that the amounts collected and disbursed from my escrow account are accurate and compliant with federal regulations. 
2. Failure to Pay Property Taxes : Despite receiving the necessary tax statement from the County Tax Office, Essex Mortgagefailed to pay my property taxes from the funds held in my escrow account. This has resulted in penalties and late fees being assessed against me, which are solely due to the companys negligence. 
3. Lack of Communication and Escrow Statements : There has been a significant lack of communication from Essex Mortgage regarding my escrow account. I have not received the periodic escrow statements or any responses to my inquiries about the status of my escrow account and property tax payments. This lack of transparency is deeply concerning and has caused undue stress and financial strain. 
4. Unexplained Increase in Mortgage Payments Without Proper Notice : My mortgage payments have been consistently increased without any prior notice or explanation from Essex Mortgage. This is in direct violation of CFPB regulations, which require mortgage servicer to provide clear and timely notice of any changes to the payment amount, particularly when those changes are due to adjustments in escrow account calculations.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

Last week around XX/XX/XXXX my wife tried to make a withdrawal from a joint savings account we have. The withdrawal was reversed and we weren't aware until she logged into the Marcus app to see the status of the transfer. She tried to call to see what the issue was because we did miss the call. The original rep was able to verify her info and see our account. They had to transfer her to the Marcus Security analyst in order to verify her further. The security team asked for a phone number to send a text to in order to verify, we gave them both her number and my number that are listed on the account. they stated the numbers were not valid. Being that we live in New York they weren't able to use our drivers license either. They stated they had no other way to verify my wife so they had to open a case. When asked if they can provide written document stating the issue they could not do that. When i called they stated there was no issue on my end but wouldn't allow me to make any transfers from the joint account. For Marcus to be holding our money without giving us a valid reason to why they cant allow us access to the money doesn't make sense. I asked if I could close the joint account and they said I can't due to the issue they have with my wife.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc. (FL)

we have sign up for waste connection waste removal with company they have never showed up on the day they scheduled to pick up we had to call days and many times this service to be completed even then still never done on timely manners one time they didn't pick up the dumpster on the day even 3 more days so we ended up receiving violation ticket for {$250.00} we have contacted with company but never resolved this matter at the end I aske them to stop service and remove the dumpster from my property even this act tokk 3 weeks and seems like they charged as well at the time I received my invoice was {$600.00} and I offered to pay half after deducting the paid city violation ticket but they were not willing to do that even it was their fault not sure how did they ended up {$1600.00} I have no such a bill and I only been with them 2 months contract was {$140.00} i do not agree this charges and accept any communications with this people they are horrible company
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (CO)

On XX/XX/year> I sent an email to my then apartment complex ( XXXX XXXX in XXXX, MD ) giving them official notice that we would be vacating our apartment on XX/XX/year> ( XXXX  days notice ). We were relocating to Colorado due to my job ( Federal government ). As a result of my transfer, my then husband became unemployed. This was a valid reason for breaking our lease based on the terms within the lease. I sent a follow up email to the apartment complex on XX/XX/year> trying to close the issue, however, it did not get resolved. 

They were trying to charge us for a lease termination fee as well as an improper notice fee. XXXX reason I was given is because they were trying to collect XXXX months worth of rent for the time the apartment would remain vacant, however, they were able to re-lease it right away. 

Upon receiving notifications from the collection agency ( XXXX XXXX ), I immediately contacted them and disputed the alleged amount owed. Fast forward to this year, I have repeatedly disputed this balance as it is on my credit report. Each time I have asked for back up documentation that supports the alleged amount owed ( {$7200.00} ), I receive the following response from them : Our records indicate we have previously provided you with validation of the debt based on the same dispute. As we have previously fulfilled our duty to provide you with verification, we do not plan to respond to any additional requests. 

They never provided the validation to me. For this reason, I am continuing to dispute this and now am filing a complaint.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (NY)

I was having dinner tonight at XXXX XXXX and tried to settle my bill for {$160.00}, my TD Bank card was declined. I contacted TD bank customer 's service line, instead of the service representative to me my card was blocked so I asked her to unblock my account and I requested to speak to a supervisor and was placed on hold for 10 minutes. The supervisor came on the line ask me to verify my identity and ask if I can authorise the transaction and I told her I already have with the call representative, but she did not and hung up the phone. I called back spoke to another representative and told her what happened then she hung up as well! So I called again and finally had the block taken off and the call representative was rude and did not care how this ordeal affected me so she hung up the phoe on me as well. Please do not use TD bank.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (KY)

Residential Loan was transferred from XXXX XXXX to New Rez in the last quarter of XXXX. New Rez inaccurately established required additional funds for escrow and insurance. I was forced to pay the additional monies took keep from being noted as past due. New Rez was contacted several times and thus concluded they were in error. 
After XXXX months of trying to get my funds reimbursed, I finally received this email from New Rez. 

" According to our records, check # XXXX was issued on XX/XX/XXXX, for the XXXX XXXX in the amount of {$930.00}. Please allow XXXX to 15 days from the date of disbursement to receive the refund check. 
We would like to apologize for the delayed response and any inconvenience this issue XXXX have caused. It is our goal to provide you with exceptional service, we hope this email addresses your questions and concerns. 
If you have any questions or concerns please contact our customer service team at XXXX. '' Never received the monies and continued to contact by email. With the same response as, " we are looking into it. '' Having been a XXXX Bank XXXX and XXXX of XXXX XXXX 36 years, several concerns come to light. Lack of training, poor management with possible lack of background to conduct oversight. Volume of problems. Forced placed insurance? Is this an Affiliated Business Arrangement/Ownership? Proper ongoing escrow analysis. Solvency of the servicing agency. More regulatory oversight may need consideration of review. It is noted companies have spun off to warehouse more residential loans. Volume of servicing problems should not be to the extent they are. I noted XXXX on the site as well. Elementary mistakes create extensive problems for those noting overdue in payment history thus now affecting the credit rating which affects interest rates and insurance.

New Rez has admitted to the mistake but the monies were never received. The email will be attached with the complaint. 

I took the time to point out possible need for more investigative oversight to seek possible means of enhanced education and proper management and oversight of risk to reduce consumer issues. The next wave of refinances are closely approaching as rates fall. Let 's be prepared.
Consumer complaint received 2024-09-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (OH)

In 2010 while living in Michigan my company announced that our plant would close due to our jobs being sent to XXXX. While looking for another job I engaged Wells Fargo in an attempt to modify my mortgage and enroll in either the XXXX Government UP ( Home Affordable Unemployment Program ) and/or the HARP ( XXXX Affordable Refinance Program ). My attempts to engage Wells Fargo regarding these options were unsuccessful and went on for more than several months. 

I came to believe these delays were intentional in an effort to run out the clock on options leading ultimately to the loss of my home. My case was transferred to multiple Wells Fargo workers during the year I was trying to enroll in XXXX of the government sponsored programs, and each time was made to start the process over. I believe they were stringing me along until time ran out and I lost my house. 

Due to my job being outsourced to XXXX, I became XXXX - Certified through the Department XXXX XXXX. This information as well as hardship letter and information from my realtor was submitted timely to Wells Fargo and on numerous occasions. These submissions were made to more than XXXX different representatives as my case was delayed numerous times. Ultimately culminating in the loss of my home.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (TN)

US BANKS POOR INVESTIGATION AND COMMUNICATION AFTER FRAUD! 

My debit card was fraudulently hacked on XX/XX/XXXX at XXXX. Over {$2000.00} was stolen from my account from XXXX, and I did not approve or request this! I opened a fraud investigation as soon as possible. I was informed that a provisional credit would be issued after a few days while the investigation continued. After a few days i received the credit, only for it to be promptly removed from my account a few days later. When i asked why- they had informed me that the case had JUST been opened the day prior, and should not have been issued. How and WHY is that possible? This not only cause emotional distress, but a severe overdraft into my account. Not only that, upon receipt of the provisional credit, I had transferred some of the funds into another account of mine to pay bills that were upcoming. They have since reversed THAT transfer as well, and now both of my accounts are {$1700.00} and {$2000.00} in the NEGATIVE. Because of this, my most recent paycheck that has since been deposited ( which I needed to use in order to cover past due bills from the INITIAL fraud ) I no longer have access to because US BANK has put all of my accounts in the negative!! The money I need to feed my FAMILY. Every representative has told me something different, the calls are always " dropping '' on the representatives end, NO ONE has followed up or called me back when they said, Claims and requests haven't been opened with urgency, or when I was told they would be. I requested a callback from the fraud agent assigned to my case on Wednesday, XX/XX/XXXX and was told shed call me in XXXX business days. It is now Tuesday, XXXX - and i'm being told it's XXXX business days now? I am absolutely FURIOUS, and need to have this resolved ASAP! 

I have screenshots that I can attach, but didn't because the portal has an advisory not to include personal information, but will happily provide to representative upon claims opening.
Consumer complaint received 2023-06-07
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: Westlake Services, LLC (SC)

XXXX XXXX XXXX, Sc XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights 15 U.S.C . 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-09-03
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: Driveway Finance Corporation (VA)

Their website has been inaccessible since at least XXXX. I have paid off my loan balance and need documentation from the company confirming this so that I can obtain title for my vehicle. I paid off my balance on XX/XX/XXXX. Since then, I have attempted to log into my account today, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and to call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to speak to a representative about my loan. I have been kept on hold for nearly an hour and no one picks up the phone. I repeat NO ONE picks up the phone. Additionally, when attempting to log on to their website, the attached message, " Something went wrong. XXXX will be reported, '' pops up on the screen. There is no way to log into my account. There is no way to speak to a customer service representative. There is no way to obtain the documentation I need to obtain title. Recent XXXX reviews from other XXXX XXXX of the same issues. It is as though this company disappeared into thin air and this wreaks of fraud.
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I got a reminder notice from XXXX XXXX claiming they never received my payment and charging me a {$2.00} late fee and threatening to disconnect my water service for nonpayment. I paid the bill through nfcu 's online bill pay as I always do and it was supposed to be delivered by XXXX XXXX. I do n't know why nfcu DID N'T pay my water bill but this needs to be resolved IMMEDIATELY. The customer service from nfcu lately sucks!!!!
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (NC)

I had an investor checking account. I received an email on XX/XX/year>. I received an email stating I needed to deposit money into my account within 10 days. I transferred {$15.00} on Friday XX/XX/year>. I owed {$86.00}. Charles Swab had my card blocked where I couldnt do an instant transfer. So I logged in this morning I saw my {$15.00} ACH had posted. When I logged in again around XXXX Charles Swabb had closed my account. When I called customer to ask why would my account close in 8 days instead of 10 days I wasnt given an explanation. The customer service rep said the notes said if my account wasnt cleared by the XXXX my account would closed I said well the email stated I received on the XXXX that I had 10 days today is day XXXX. I was told it was nothing he could do. I also explained that today is still the XXXX you all lied and why would you close my account before the day is even up. Then I asked to speak to a manager and he acted like he didnt have a care in the world. His response to me asking him why my account closed before it was supposed to was I dont know.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against JPMorgan Chase Bank regarding their handling of a fraud case involving my Chase credit card. Despite my prompt reporting of fraudulent charges totaling approximately {$14000.00}, Chase has failed to take appropriate action to protect me as a customer. 

On XX/XX/year>, I reported unauthorized transactions on my account within 30 days of their occurrence, as required by Chases fraud protection policy. I have also filed police reports in XXXX jurisdictions where these transactions took place, providing all necessary documentation to Chase. 

However, to date ( as of XX/XX/XXXX ), Chase has neither contacted the police departments involved nor taken steps to reverse the fraudulent charges. The police are reportedly close to making an arrest, but Chases inaction is hindering progress. This lack of cooperation from Chase is particularly concerning given their public claims of robust fraud protection for their customers. 

It is critical that Chase fulfills its responsibility by : Immediately reversing the {$14000.00} in fraudulent charges on my account. 
Actively collaborating with law enforcement to apprehend those responsible. 
Contacting the vendors where the fraudulent transactions occurred to obtain and review security footage. 

My family and I have done everything within our power, but the investigation 's progress now depends on Chases willingness to act. We believe it is essential for Chase to uphold its advertised protections and take decisive action against the actual criminals. 

I would greatly appreciate your assistance in ensuring that Chase Bank honors its obligations and provides the necessary support to resolve this matter. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2024-09-03
Product: Credit 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: Mercury Financial Intermediate LLC (CA)

On XX/XX/XXXX I received an alert via my celphone from Mercury Credit Card notifications saying a transaction was just preformed. I logged into my account and saw a pending transaction for {$150.00}, from a company listed as " XXXX '' a subsidiary of XXXX. This was an electronic transaction done online. I called Mercury Credit Card customer service line instantly to alert them of the fraud charge. Upon speaking with them, they asked me had I contacted the merchant, I told them no. Mercury advised me to do so saying because it was still a pending transaction they could probably do something. I called " XXXX '' to express what happened and they said that even if it was a mistake they don't refund tickets and to call my credit card company. They also advised me to go to my email and accept the ticket and sell it. I went to my email as was alarmed to see it there, which alerted me to my identity been compromised but NEVER did I accept it. I called Mercury back and they said they would file a claim. On XX/XX/XXXX I saw the same charge come back through again on my account from Mercury. I called Mercury back and they said the vendor verified it was valid. I asked them to please provide proof of redemption, any photos, etc. They said they could not. MercurXXXX said " XXXX '' had all my personal information so that was good enough for them that the charge was real. The same week this transaction occurred on my Mercury account, there was a data breach with XXXX. I did not purchase anything from XXXX. This card is not even used for transactions as I have only been paying it off so I can close it. If any real investigation was done by XXXX, that certainly should've been taken into consideration the " XXXX '' transaction as suspicious activity.