davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (RI)

have called 4 times ( XXXX & XXXX most recent. we asked the company to change over the names on the loan due to the passing of my parents ( former owners ). they sent the form and i and my brother supplied all the imfo they required. my parents had a quit claim deed that was envoked upon the passing of my mother in XXXX my father preceeded her in XXXX they asked for copy of both death cert and a copy of the quit claim deed which we provided. in addition, i sent a document from our citys tax assessors office futhering the fact they my brother and i are the new owners. our names are on the tax bill as well. i faxed this imfo 2x on XXXX and XXXX and the company acknowledged they had recieved it. they keep sending the same form letter that they have not recieved sufficient evidence to confirm that my brother and i are the successors and that i/we have not sent all the rerquired documentation. everytime i call i get different answers. i also asked to speak to a supervisor and they flat out will not do it. i do not know what else they need because they will not communicate what exactly they need in addition to what they initially asked for. we just want our names on the loan
Consumer complaint received 2015-06-01
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (WA)

I recently changed my name ( for personal reasons, not marriage or divorce ) and moved. While I understand the security risks, Discover says that they can not issue me a new card even though my name and address have been changed on my account. Essentially, the information on my account ( in the computer system ) has all my correct information but Discover wo n't issue me a card reflecting it. They ask me multiple choice questions based on public record but my answers are apparently wrong. They keep saying someone will call me to follow up but no one ever does.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

XX/XX/XXXX - Loss of employment, equivalent to 51 % of family income, starts a spiral from a previously remarkable rebound from prior financial hardship. Savings along with severance pay allowed for XXXX XXXX and XXXX XXXX mortgage to be made. 

XX/XX/XXXX - Miss first payment from current hardship. Sought employment during holiday season. 

XX/XX/XXXX - Contacted Ocwen Mortgage Servicing to request modification of our existing loan. 

XX/XX/XXXX - XX/XX/XXXX - Negotiated, communicated, discussed with XXXX Relationship Manager documents needed. options to foreclosure, requested assistance due to financial hardship, and future options. 

XX/XX/XXXX - Notified by Ocwen that loan will b transferred to PHH Mortgage effective XX/XX/XXXX. Asked what that may do to our situation. Was told by Ocwen rep that was up to PHH. 

XX/XX/XXXX - Sought assistance from XXXX XXXX XXXX XXXX to discuss options with new lender, PHH Mortgage Services regarding modifications and additional options to save home. 

XX/XX/XXXX - Offered partial, or current payments to PHH and negotiate to past due amounts. Awaiting decision.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (VA)

My Chase checking account went negative due to a low balance fee but I didn't receive any notification from them. After a month, they charged a second fee but still no notifications. I don't check that account often so I had no idea this was happening. One day I checked and immediately transferred money to cover the negative balance. During the time it took to transfer the funds, Chase charged me a XXXX fee, so I made another transfer to cover that too. Then a day later, the account simply disappeared. I could no longer see it online nor could I access past statements or tax documents. It had simply vanished and still no correspondence from Chase. So I called Chase and they confirmed that the account was automatically closed due to a XXXX balance for XXXX  days. I asked them to send me all of my statements and they complied. I asked why they hadn't sent me any notifications and the agent changed the subject. When I tried to ask again, he spoke over me on some other topic so I gave up. 
My complaint is not about the fees because I recognize that part is XXXX XXXX on me for overlooking those specifics in the terms and conditions. My complaint is that I received zero correspondence from Chase. Not an email, call, text, push notification... nothing, not even in my spam folders. While this ordeal didn't really impact me much, I feel that this could really hurt others who get blindsided by this as I did.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MA)

In XXXX of 2024 Citibank increased my interest rate from 13 % to 24 %. 
I have thoroughly enjoyed my XXXX years with Citibank and my payment record has never been late and XXXX  credit score according to the Citibank tracker is good. 

Respectfully, I feel the sudden interest jump from 13 % to 24 % is in accordance with a punitive rise in interest ( i.e. missed payment etc ). 

I called customer service and customer retention to resolve the issue but as pleasant as they were in handling the case, they said there was nothing they could do.
Consumer complaint received 2024-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FirstKey Holdings, LLC (MN)

This is in response to XXXX ' reply to complaint XXXX in which XXXX XXXX XXXX  - servicer of mortgage loan from TOWD group did not reply to the parts of the complaint as follows : Requested verification of the approved payment plan ( given twice during recorded telephone calls with XXXX representatives in XXXX and in XX/XX/year> ) for the loan as to insurance and property taxes ( due XXXX ) to be taken out of the auto payment which had been in effect for years. 

Property is for sale due to serious medical issues and already have interested parties. This sale would pay off the loan. 

XXXX indicates no payments due to a stop payment from my bank. Previously I provided the XXXX documentation that the auto payment of over {$1800.00} each month was discontinued and since the on line account for my loan has not been updated, XXXX is using the excuse of stop payment. The stop payment was for that amount ONLY and not XXXX per se. I called in to make the loan payments in XXXX and XXXX and XXXX, received confirmation numbers for the payments made by phone, but XXXX, in their system eventually did not credit the payments to the loan. XXXX document previously submitted showed up in suspense funds, but since the computer system was not updated to the new amount, XXXX is claiming they could not process the loan payments due to the stop payment. This is not true as the stop payment is based on the $ XXXX amount and not the requestor. I made that extremely important as part of the stop payment order. 

XXXX did not address the stopping of any foreclosure proceedings which their letter stated would start as of XX/XX/year>. I feel they are using the stop payment excuse to show missed loan payments even though I called in the loan payments of $ XXXX and received confirmation numbers for them from the XXXX XXXX - recorded history. 

I applied for their mortgage assistance program and am gathering documents in between serious medical treatments - their due date is mid XXXX, yet I don't want the stress they will make by not updating their system and starting foreclosure proceedings. This is a Catch XXXX scenario that XXXX must fix. No foreclosure proceedings should happen since payments were made in good faith but XXXX ' computer system is discounting them. 

I want written approval from XXXX that the new loan payments were authorized and should start up again in XXXX for the loan payment only until the home sale closing. At that time, the loan will be paid off. XXXX - XXXX payments that XXXX refused to credit should be put in the deferred account which also will be part of the total payment for the loan. 

XXXX XXXX
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANDY SPRING BANCORP, INC. (VA)

Wednesday, XX/XX/year> I received a voicemail at XXXX XXXX that my account was overdrawn over $ XXXX and to make a deposit before XXXX XXXX. I tried to call the bank back but the extension left wasn't correct. I then got ahold of the client service center. The representative was unable to locate my account when I gave them my account number and my social security number. They put me on hold for XXXX minutes trying to find a manager. They came back and still couldn't find it. When the finally did after another XXXX minute hold they verified information. I explained that the transaction causing the overdraft was not mine. I told the representative to look at the transaction history as there has never been a transaction from XXXX County. There was then another credit card payment transaction processing fee related to the transaction. This was fraudulent. The rep said they would stop the transactions. She told me they would block the account and I would need to go to the branch to open a new account. She confirmed it was not related to my debit card. I asked if a form was necessary for me to sign. She said no. The next day I looked at the account and the transactions were returned by I was charged XXXX overdraft charged.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

I sent money abroad ( XXXX ) to be honest I have done it before, but the last XXXX to XXXX transactions i have been having issues with Western Union, just recently they requested my social security number, I don't think they need that information, today XX/XX/year> I sent {$50.00} dollars and they said the money was on their way later it said it with need XXXX hours to resolved the issue I didn't need to do nothing later I log in to Western Union and it said they needed to speak to me for XXXX minutes, I have given them my XXXX  driver license and also my XXXX XXXX and still they want my social security number, I requested a refund since the money is on hold but they refused to refund the money.
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd. (MI)

A number claiming to be Harris and Harris Debt collection contacted me saying that I owe {$50.00} for the XXXX XXXX  toll roads. I have not been to XXXX since before I was able to legally drive. 

They used number XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SC)

I am writing to formally file a complaint against LVNV Funding for failing to adequately validate a debt after I requested specific information under my rights as a consumer. 

On XX/XX/24, I formally requested debt validation from LVNV Funding as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the following : 1. Their license to collect debt in my state.

2. The chain of custody for this alleged debt ( i.e., proof of transfer and ownership ).

3. The original purchase agreement In response, LVNV Funding provided me only with a summary of the account, which does not meet the requirements of debt validation as stipulated under federal law. 
FCRA and FDCPA Violations : LVNV Fundings response does not comply with the requirements of proper debt validation as per the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Under the FDCPA, debt collectors are required to provide proper validation of the debt, which includes sufficient evidence that they have the right to collect on the debt in question.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to dispute inaccurate or incomplete information reported to credit bureaus. By failing to properly validate the debt and continuing to report this debt to credit agencies, LVNV Funding is violating my rights under FCRA. 
I am formally requesting that : 1. LVNV Funding provide all requested documentation, including their license to collect in my state, chain of custody for the debt, and the original purchase agreement, as part of the debt validation process. 
2. This account be removed from my credit report if LVNV Funding fails to provide the required validation documentation.

3. Any further collection attempts be halted until they provide sufficient validation of this debt. 
Request for Action : I respectfully request that the CFPB take immediate action to investigate this matter. LVNV Funding has failed to meet its legal obligations under the FCRA and FDCPA, and I ask that this debt be deleted from my credit report due to their inability to validate it according to federal law. 
Thank you for your attention to this matter.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc. (CA)

There was a fraud act against my account on XX/XX/XXXX and XX/XX/XXXX I made the compliant when I seen the charges on XX/XX/XXXX the bank Wisely investigated the fraud and credited my account back for the small charges made in the total of XXXX on XX/XX/XXXX. The same day that I seen the charges for XXXX I received a call from the bank representative saying they needed to verify my account to process the credit. They then told me they had to make sure I was the account holder and said they would send me a code on my phone and I needed to give them the code to verify my identity. They sent me the text and I gave them the number. Within a few minutes they had cleaned out my account in the amount of XXXX. I then return to the dispute resolution center and filed a claim for the amount of XXXX. The account was locked and I receive a letter from ADP Compliance Solutions on XXXX XXXX saying the XXXX would be credited back to my account. I then called fraud protection again and ask them why this kept happening and they told me they would close out my account and open a new one I would get another card and was not to use the old one. It took I think 10 days to get the new card and I started to use my account again because they was where my payroll check went. I XX/XX/XXXX I tried to transfer XXXX to my chase account which I had setup as a default and after not seeing the money show up in my account I looked and my default account had been linked to another account and the bank had transferred this fraud account over with the new account they opened. I called and they gave me the runaround for weeks and finally I asked why I didn't get a provision credit I needed my money and they said I didn't ask for me I told them no one told me to request it and they said yes send it today in writing so I did and they said it was to late to make the request that I need to wait 30 days XX/XX/XXXX for final investigation to be finish. I called on XX/XX/XXXX and asked for results and they said a letter was sent to me and they could not give me results over the phone. I waited until XX/XX/XXXX to find that they mail me a letter on XX/XX/XXXX saying they found no fraud activity. I am sending a request today to ask for supporting documents I could not get them to release my online access until XX/XX/XXXX to see the fraud transfer is still there. I am send a request for details on investigation today XX/XX/XXXX
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (FL)

My conventional mortgage loan was sold to NewRez and went into effect around XX/XX/XXXX. 

I did receive communication from NewRez regarding how to access my new account but those methods have failed numerous times and I still have no ability to access my account. This includes no ability to pay mortgage online, assess escrow balance, submit home insurance information, and all other aspects of the loan management process. 

For the months of XXXX and XXXX, I was forced to call in my payment over the phone. However, I have no ability to ensure correct application to my account because I am unable to access my account information. 

I have called and spoken to no less than 4 NewRez agents on multiple occasions with no resolution. The dates of the communication were XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the last communication on XX/XX/XXXX, the agent stated an IT request would be placed and a temporary password would be granted but neither of these things have occurred and no additional communication has resulted from this call.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (FL)

Apple Card re : online retailer XXXX, a manufacturer-to-customer model. 
XXXX delivered my product to a former address. The agents at the former address did not notify me. The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXX XXXX error and Apple Card supporting the merchant. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Online Payment Shipping Method Standard {$170.00} Shipping address and billing same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Goldman Sachs Bank USA has received your request and re-opened a dispute on your behalf. We will complete our re-investigation no later than XX/XX/2024, and will contact you if additional information is needed. The Apple Card allowed a second dispute, ultimately supporting the merchant XXXX. 

XXXX XXXX My former husband used my private cell number to attach his girlfriend 's wifi product. XXXX XXXX refused to disallow these duplicitous charges. However, an investigation by XXXX XXXX ruled in my favor and returned that portion of my bill, the charges I did not incur.

" Thank you for contacting us about the transaction ( s ) on your account. We researched the transaction you reported and agree it was incorrect.

The credit ( s ) we provided for the transaction ( s ) listed below is now finalized.

Here 's what you should know.

The temporary credit we provided is now permanent and includes any applicable fees and interest. '' The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXXXXXX XXXX position, and disallow input from XXXX XXXX and monies owed to XXXX from my former husband. I consider this identity theft. 

XXXX XXXX. 
I placed an order from XXXX in XXXX XXXX the item did not arrive. XXXX XXXX  dispute team and the XXXX XXXX dispute team resolution ruled in their favor. Oddly, the product arrived in my neighbor 's mailbox on XX/XX/2024. Both XXXX and XXXX XXXX refuse to allow me a return, stating the transaction is " too old. '' The XXXX major credit reporters, XXXX, XXXX, and XXXX, reflect this error and disregard for the consumer.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

This is related to the previous case. US bank is lying about the facts. 

XXXX. I opened on XX/XX/XXXX and US bank didn't approve the case until XXXX XXXX. If I do not confirm with the banker I can get the bonus, I wouldn't transfer $ XXXX into the account. As I said, you will need to review the calls from XXXX, or XXXX. 

XXXX. In the account opening process, nobody indicated to me I have a previous account and I won't get this bonus. In fact, banker confirmed with me multiple times and that's why I start to transfer the balance. 

XXXX. I'm not making up those facts. I clearly know what I've been told throughout the conversion. Those misrepresentation from various bankers clearly told me I'm eligible for the bonus. 

XXXX. {$800.00} IS NOT A SIGNIFICANT AMOUNT. BUT INTEGRITY OF US BANK IS LESS THAN {$800.00}. YOUR TRUST IS NOT WORTH THAN {$800.00}. 

XXXX. YOU TOLD PEOPLE TO DEPOSIT AND THEY ARE ELIGIBLE. YOU BENEFITS FROM SUCH LYING. THEN YOU WITHDRAW YOUR PROMISE AND INDICATE A REASON WHICH WAS NEVER DISCLOSED TO THE CUSTOMER. IF THIS IS THE REASON, WHY IT WAS NOT DISCLOSED TO CUSTOMER AT THE BEGINNING? THROUGHOUT YOUR PHONE CALL SERACH, HOW MANY TIMES YOU'VE HEARED I'M ASKING ABOUT THE ELEGIBILITY? 

LYING FOR {$800.00}, PEOPLE 'S TRUST IS SO CHEAP. IF I'M IN YOUR POSITION, I WOULD HONOR {$800.00} AND ESCATE THE ISSUE TO LET BANKER KNOWS AND AVOID SUCH MISTAKES IN THE FUTURE.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

I deposited funds in my Marcus Savings account from my XXXX XXXX Checking account. I noted that my funds weren't available in my Marcus account for an inordinate amount of time and seemingly held much longer than previous transferred funds.

I asked Marcus how long they NOW hold funds before I the account holder have use of the funds and received this reply Thank you for waiting. 

It feels like transfers should be instantaneous, but it takes time for funds to reach Marcus. Once we confirm the transaction and receive the funds, youll be able to access the money. Confirming an ACH transfer is similar to the process banks use to clear checks to confirm the transaction, the external bank and the funds. 

Incoming ACH transfers take XXXX business days to be pulled from the external bank. Your money should be available in your Marcus account on the fifth business day after the day the ACH transfer is deemed to be received by us. This is XXXX business days after the Federal Reserve credits us the funds.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (AL)

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.