davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (CA)

I fell behind on my mortgage in XXXX of this year due to a loss of income. I proactively reached out to my lender to request reinstatement under a payment plan, offering to remit two payments upfront, totaling {$8400.00}. The agent advised me to call back the following week when I had the full amount available. Upon my follow-up, a different agent placed me on hold to obtain approval for my payment. When she returned, she informed me that my request had been denied and that I was in foreclosure. I stated that I had not received any notice of default ( NOD ), and she claimed it had been emailed to me. I questioned the validity of this communication, as I understood that such notices are typically required to be sent via mail. 

I expressed my intention to retain possession of my property and proposed a plan to remit the full mortgage payment plus an additional half payment each month until I became current, which I estimated would allow me to rectify the situation within 90 days. However, I was informed that my only option was to pursue a loan modification at the current market rate. When I attempted to initiate this process, I found myself blocked from their online portal, preventing me from uploading the necessary documentation. see attachment, I reported this last week and its still not allowing me to upload documents to save, my home. i was told no one else has this issue which sound like I am blocked. 

I want to reiterate that I can make payments totaling {$6200.00} over four months ( {$4100.00} to {$2100.00} ) to bring my account up to date. Under the California Homeowners Bill of Rights, I have the right to receive assistance from my lender to explore alternatives to foreclosure, including reinstatement and loan modification options. The law requires lenders to provide clear communication and to work with borrowers in default. I believe I am being unjustly obstructed in my efforts to save my home and exercise my rights as a homeowner in California.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

In XXXX of this year, two loans appeared on my account that I finished paying off in XXXX of this year. The have some balance and interest that makes no sesnse. I have statements, payment hisotry and letters to show I paid it off but after I sent all this information even though they had it they told me to call instead. You can see two letters show XXXX and XXXX were paid off in full, as well as payment history and statements showing they were paid off.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (WV)

I'm a single mom working XXXX jobs. I can not repay this loan at this time. I have substitute taught in elementary schools in special XXXX for 10 years. I have got harassing calls from Navient they call XXXX times a day. They have called my relatives trying to get info about me. I have sent them bank stubs showing I can't pay. The late fees and interest keep going up I'll never be able to pay it. They call and when I try to answer they hang up on me. It's awful.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (FL)

On XX/XX/year> someone hacked my chime checking account. The instant I noticed money left my account & this has happened I called my bank, I filed a police report with my local authorities, I reported a scam complaint with my bank and my bank Chime is saying they are not able to reverse funds which were unauthorized. More than half of my monies left my account unauthorized and I want them back. I have contacted all parties involved and my bank continues to say it was authorized when I have called multiple times telling them it was not and that someone has stolen my information. They have not reversed the funds from the unauthorized party. They cant even tell me who this person is! The pay anyone feature does not tell you who this is. I continue to re dispute this but my bank does not want to reverse the money from the culprit. I do not know the person money was sent to. I would like funds to be return from the unauthorized party to me. Money should not be sent to people I do not know or confirmed in a better way to protect from scams.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. ()

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an unresolved issue with Remitly concerning a transfer of XXXX that I initiated from XXXX on XX/XX/year>. The transfer was made via instant payment, and my bank confirmed that the funds were debited on the same day. According to XXXX, the expected delivery date for the funds to reach my destination in XXXX was XX/XX/year>. 

After noticing that the transaction was not completed by the promised date, I contacted Remitly several times. The initial transaction reference number was XXXX. During one of these calls, a XXXX representative provided me with incorrect and misleading information, claiming that sharing a six-digit code sent via SMS would expedite the transfer. Trusting that the SMS was from XXXX, I provided the code as instructed. 

Immediately after sharing the code, I noticed that the transaction reference was changed to XXXX, and the expected delivery date was postponed to XX/XX/year>. As of today, I have not received the funds, despite repeated inquiries and follow-ups with XXXX. I have been given inconsistent and conflicting information during every call Ive made to resolve this issue. 

I would like to emphasize that I have retained all relevant evidence, including call recordings and written communications with XXXX support team. I also have the bank 's debit notice and my monthly statement, confirming the initial payment. 

I respectfully request the XXXX 's assistance in investigating this matter, as I believe I have been misled and that Remitly has not taken appropriate action to resolve this issue. If necessary, I am prepared to pursue legal action to recover my funds. 

I have attached the relevant documents, including the debit notice, bank statements, and call recordings, for your review. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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: CITIBANK, N.A. (FL)

XXXX ads, went on a charging spree and charge my personal credit card for over XXXX $ and Citi bank my card company is failing toto fight these over charges. I have provided Citi bank all the statements and documents to show this was fraudulent charges to my card and were never approved for XXXX or anyone at XXXX to charge my card.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (RI)

Fortiva closed my account. I asked why they said I went over the limit to many times. They offer an over the limit up to XXXX dollars coverage which I took. I was never over the limit more than XXXX dollars until recently. I have always paid on time again until recently I had Identity theft going on and had to close my bank account and open a new one and my retirement company had to send me a check instead of direct deposit because they didn't do it in time. I have never been this far over the limit until they raised there fee 's. If they had a problem about being over the limit why do they offer the coverage because on the site it say 's over the limit coverage XXXX dollars and why did not send me a letter warning me that I was in jeopardy of losing my account. I have paperwork to back up everything. I also have a case with the FTC and a police report. They are going to ruin my credit with this action. I think it is wrong what they are doing Please help me with this matter Thank You
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Moore Law Group (CO)

The leasing contract ended in XX/XX/year>, me and my family was came to the leasing office to signed the move-out and returned the keys. But none of the office staffs are told us to give 60 days notice before move-out ( it wasn't said in the renewal letter ). Until a month later I got so many phone calls, emails and mails by the leasing office and debt collectors said I owned amount of {$3000.00} ( that's 2 months rent supposed for 60 days of notice )
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. The following are the specific accounts in question : XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-10-16
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC. (NY)

The loans taken out during my time at XXXX XXXX have caused me extreme anguish and financial frustration. During my college vist to XXXX we were promised a number of financial options and assistance after graduation.As a XXXX XXXX XXXX the opportunity seemed appropriate. At the time We were promised graduation in 3 years if you maintained enrollment in addition to that the school promised a locked in rate that would not change as long as you were enrolled. What they would do is remove you from your classes and make you re apply and lose the tuition lock in as well as 3 year graduation. I. Addition we were encouraged to apply for loans for living expenses. The financial aid associate was so loving and friendly and really allowed us to trust her. She was trustworthy to me as a XXXX XXXX XXXX XXXX. I had no one. XXXX XXXX was also someone else who I trusted and was in financial aid. He would also encourage us to get loans to receive a refund for living expenses. I did not know and believed this. I have suffered tremendously and continue to struggle as a result. I was unable to graduate from XXXX as they held my transcript. I had to apply to a state school to finish my secondary education. I am a XXXX XXXX XXXX XXXX who often has to decide if I should pay my student loan, put gas in my car, XXXX XXXX or buy food. This is no way to live. I work an office job that allows me to barely make it. These loans have continued to put me in financial ruin and have changed the trajectory of my life and my daughters lives. XXXX XXXX mislead me and sold me a dream that was profitable to them and no one else. They did not meet their part of the contract.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024 a hard inquiry was added to my credit score from XXXX XXXX and JPmorgan. I disputed it with XXXX stating it was fraudulent. The dispute was denied by XXXX XXXX. I reached out to XXXX XXXX as this was not me. No one from either banking nor credit could assist me. One representative even said dont worry no account was opened. I inform him thats great but the inquiry needs to go. He transferred me to another department that also couldnt help.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (FL)

Twice now, XXXX has emailed me to tell me that the APY on my Savings account would be reduced the following day. This is a violation of Reg E which requires 30-days notice of adversary changes to account terms.

I wrote to support asking about this and the support agents were not educated in Reg E, stating we dont have a Reg E on your account.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC. (CT)

I am a victim of identity fraud, my social and id have been stolen and fraudulent accounts have been opened and cards used in my name. I have an FBI agent working on this case, along with XXXX XXXX. I have filed an FTC report because of all this. I will file a complaint with the Consumer finance protection bureau if these fraudulent accounts are not removed immediately and blocked. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MI)

Between the dates of XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made using my business debit card with Comerica Bank in the amounts of : {$1100.00} {$190.00} {$32.00} {$5.00} {$44.00} {$1200.00} {$1.00} {$34.00} On XX/XX/XXXX, I made a call to the bank and notified them of the transactions. A dispute was filed. During that time the agent on the phone asked if I was in possession of my card. I told her I did not have the card on my person but I believed it to be at home. She marked that the card was in my possession. 

On XX/XX/XXXX I called the bank for a status update on the case and was told that the dispute did not go in my favor. I was told the the case could be reopened with new evidence and was told to make a police report. I had discovered that the card was not at home and I actually had not seen the card since early XXXX because I do not use the card on a daily basis. I was told that they would send me the findings of the investigation. I then reopened the case with the police report and detailed charges from my personal checking account that showed that I had made transactions where I live at the same time my business checking account was compromised. The charges were made outside of the US ( in XXXX ) and I was at home during the time I have not left the country. 

In the report that I received from investigators on XX/XX/XXXX, the only evidence that was used was that the woman doing the intake call marked that I had possession of my card. I corrected that information with multiple agents over the corse of 4 weeks and on XX/XX/XXXX was notified that my case was still going to be denied. 

I was not able to speak to any investigator during the entire month only that I would could email information. I told the agents at the call center multiple times that I had not left the county and that I could prove that I was no where near the location of these transactions and that was still not taken into consideration. I was told multiple times by agents on the phone that my PIN was used to make these transactions which was not true. On the investigation report no pin was used even though that was one of the reasons for my denial.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (VA)

On XXXX separate occasions, I placed orders through XXXX XXXX totaling {$24.00} and {$18.00}. Unfortunately, I did not receive my items from either transaction. I immediately contacted XXXX XXXX  to address the issue, but they refused to refund me. 

Subsequently, I filed a dispute with Venmo, as the payment was processed through their platform. Venmo requested supporting documents, which I provided in full, detailing the non-receipt of my orders and my communication with XXXX XXXX Despite submitting all necessary evidence, Venmo has refused to assist in resolving the dispute, and I remain without my refund for both transactions. 

Both the merchant and Venmo have failed to take responsibility for these failed transactions, leaving me with no choice but to seek assistance from the CFPB.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I received a notice from XXXX XXXX regarding new account being reported to XXXX. I logged in and saw LVNV Funding LLC reported as Original Creditor on XX/XX/year> collection account for the amount of {$1500.00}. I have never received and notification in the mail regarding this company. I have never spoken to anyone from this company. I have never had any business with this company or signed any document pertaining to any associated business with this company. From what I searched on line about this company they have a slew of complaints and seem to be the ambulance chasers of the debt collection industry. I was reported with out any prior notification from this company.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (VA)

A debt collection company name Midland credit management sent paperwork and garnishment for a credit card I've never had with XXXX XXXX. I explained to them never had card and is a card from XXXX it is now XXXX and I'm just learning of this. Garnishment was already applied without any correspondence from them this entire time until I received garnishment letter.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I receive the welcome offer and open the AMEX Platinum card in XX/XX/year>. 
The welcome offer is XXXX XXXX XXXX after XXXX spending in 6 month. 
I got confirmed about the welcome offer during my application in web. 
I also got confirmed about the welcome offer details by the customer service on XXXXXXXX XXXX  ( attached with the chat history ) with my welcome offer. 

However, I've been told that my welcome offer has been declined on XXXX without any notice or reasons. I contact AMEX customer service, and they give no reason on that and reject to do anything. 

I never had open the same card or receive the welcome offer before, and there's no violation on the terms.
Consumer complaint received 2023-10-23
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2023, my wife went to XXXXXXXX XXXX XXXXXXXX to make some purchases less than XXXX. She tried the newer card and an older card issued to us and her as an authorized card user. 

It was declined and confusing. We already submitted a complaint about the lowering of the credit limit but why then now couldnt we use the card. 

I called and found out it was closed or marked inactive as we didnt have activity on it since XX/XX/2023. Some store cards close a person for inactivity within XXXX months. This action on the card companys part makes no sense. It is confusing and misleading. We were baffled and misinformed. We never knew such action was taken. How embarrassing to go shopping and my wife saw our balance was okay and could have used the card? 

This is not good how to treat customers.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC (GA)

XXXX Is the previous complaint number. They didnt provide anything I asked for or anything to prove the debt was created by me. My rights are being violated by a XXXX XXXX collection agency who is trying to collect a fraudulent debt and has been causing hardship by negatively affecting my credit. Not only are the not the creditor the bought a debt that was in dispute status. I would like to sue the agency and all XXXX credit bureaus for reporting false information.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (VA)

This is a follow-up to my previous CFPB complaint, regarding a misreported debt by LVNV Funding LLC XXXX In my initial complaint, I noted that the original creditor was not disclosed, and the account had been improperly re-reported after removal. I have since obtained more information confirming that the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX ), and LVNV Funding LLC is falsely reporting an Opened Date of XX/XX/year>, making it appear as a new debt. 

This re-aging violates the Fair Credit Reporting Act ( FCRA ), which limits the reporting period to 7 years from the original date of delinquency. The false reporting has caused a XXXX drop in my credit score and is damaging my financial standing. I request immediate removal of this account and restoration of my credit. 

Please reference my original complaint ID for context, as this submission includes updated details and evidence. 

Previous CFPB Complaint ID : XXXX XXXX XXXX XXXX