davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (NJ)

This is a second complaint being filed against the same company ; New Rez, for the same issue that they have still failed to resolve. The issue was originally opened XX/XX/XXXX and the original complaint filed XX/XX/XXXX. The original issue ID XXXX. 

I'm filing a new complaint because the only time during this process that New Rez actually responded to me in writing occurred as a result of the previous complaint. 

In the original complaint, the NewRez Mortgage company was requested to cancel my PMI ; however, responded by stating it would take 5-7 business days before they could evaluate the case and send out the proper paperwork to begin that process. 5-7 business days turned into 10, which turned into 20. It was around 20 business days that they finally responded by sending out the paperwork ; however, once I filled out the paperwork the same day they told me it would take an additional 5-7 business days for their 3rd party evaluation company to contact me regarding my XXXX so I could schedule the date for the assesser to come to my home. This occurred XX/XX/XXXX, as of XX/XX/XXXX, I have yet to be contacted by this XXXX Assesser. 

I contacted NewRez again on XX/XX/XXXX regarding this and one of their managers told me they misapplied my XXXX $ XXXX payment as a principal mortgage payment and that I would now have to wait an additional 5-7 business days for a response from that XXXX  company for that assessment to have my PMI removed. 

The deadlines with this company are consistently lied about and moved. 

All I want to do is cancel my PMI, which I should be more than eligible for based on the amount I still owe on the house vs. its estimated value. 

All this company needs to do is actually stick to a deadline it sets forth, but it has moved said deadline everytime. It has also, on many occassions, lied about sending out any correspondence to me whatsoever.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

In XXXX of 2024 I noticed a collection of {$250.00} on my credit report that was filed by Cain and Weiner I contacted the company and was informed the debt was from XXXX XXXX concerning a commercial policy I contacted XXXX XXXX  and was informed it was a mistake by their system ( I instructed them to take someone off of the policy Instead of taking him off they made a mistake and added him to policy The mistake was not caught until XXXX weeks later I was informed that this confused the system and generated a bill He should have been taken off but was added when he was already on policy When it was finally corrected I was told it confused the system ) The agent at XXXX told me sent it was already in collection there was nothing they could do She told me she was sorry that I got a bill and I should not have gotten it I contacted Cain and Weiner and told them what the agent informed me the situation They said I still had to pay in order to get it off my credit report
Consumer complaint received 2024-08-02
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (CA)

I reached out to XXXXPHILLIPS66 in regard to opting out of them sharing my personal information and they have not assisted me with a remedy to do so. They have been sharing my information to all three credit bureaus and it is hurting my score severely. On my report it is showing as a closed account that owed {$650.00}, and is preventing me from getting any new lines of credit. Also they have different last reported dates for all three credit bureaus.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (WA)

I received a notification from XXXX on XX/XX/XXXX that a payment was more than 30 days late on my card. I immediately checked my emails and found that I never received my e-statement either. A late payment charge of {$41.00} was charged to my Target RedCard Mastercard account on XX/XX/year>. 
The late payment that was reported to the XXXX XXXX XXXX XXXX so I contacted them via phone where a message played stating they were having technical issues with their payment system. Once I spoke with someone they refused to do anything even though I also immediately paid the balance in full. 
I also requested my original credit limit of {$6000.00} be reestablish because they also reduced it to {$500.00} but that was not done either. 

These actions were all taken in XX/XX/year> because I have e-billing statements and did not receive a bill via email for the month of XX/XX/year> and as a result the payment was not made until XX/XX/year> when I was notified by XXXX of a payment that was XXXX days late. 

I contacted Target RedCard customer service and I was informed that while there had been technical issues at the time with the website and payment system there was nothing they could do to correct the payment history, credit reporting, or my credit limit. 

I then sent a dispute letter and nothing was done to correct their error which resulted in false information continued to be reported to the credit bureaus which has ruined my credit score and ability to obtain credit from other companies.
Consumer complaint received 2024-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NY)

I am writing to report significant mortgage fraud identified through a forensic audit of my home mortgage. The audit revealed that my mortgage note was improperly securitized and sold to investors, resulting in the unlawful separation of the note and deed of trust. This separation has created legal uncertainties and potential fraud, making it unclear who has the legal standing to enforce the loan and initiate foreclosure. The audit also uncovered that the mortgage note was turned into a security without proper documentation and transparency, violating multiple federal and state laws, including the Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), and relevant provisions under the Uniform Commercial Code ( UCC ). 

I request your immediate investigation into these fraudulent practices, which have jeopardized my financial stability and legal rights as a homeowner. The actions of the involved parties, including the lender, servicer, and securitization entities, have likely violated regulations set forth by the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and state-specific laws. I seek restitution for the financial harm caused and enforcement of legal penalties against the responsible parties to prevent further abuse of the mortgage securitization process. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (FL)

I paid a XXXX XXXX a merchant using remitly service $ XXXX XXXX  in XXXX for XXXX XXXX goods. The goods were never received. I am at a loss for $ XXXX dollars. I would the funds to be returned to me, in the form of a refund. 

I attached the invoice. I had even left the rep a tip. Never received and i placed this order in the middle of XXXX XXXX is XX/XX/XXXX. 

I have been scammed by a vendor that regularly uses Remitly to collect payments from consumers. I would like a refund please. Please do the right thing, as there is a business using your services to do the wrong thing. 

Thank you kindly
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

I went to the chase bank branch in XXXX XXXX XXXX XXXX XXXX, XXXX, NY last XXXX to close my bank account. Its a checking account. The banker who served me is name XXXX XXXX. He just gave me a confirmation that he starts to close my bank account, but XXXX week has been passed I still dont receive any confirmation or notification from chase that my bank account is closed. All my deposit has been taken out since last Monday in that bank XXXX. I sent the banker several emails last week to ask what is going on to my account, the banker refuse to respond to my email since last Monday. I sent an email to the chase bank customer service last Friday to complain about that, the company doesnt reply my email either. XXXX concerned if the bank is going to use my bank account to do any illegal things. I dont understand why he refuse to respond the email of a customer. I also told the banker that card is destroyed last Monday.
Consumer complaint received 2024-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (AZ)

Aidvantage has failed to properly notify me of my loan status. XXXX sent me multiple messages with updates about my loan transfer. XXXX stated that Aidvantage would notify me when my loans were transferred or if there was a delay. I havent gotten any notification from Aidvantage about my loan status. I cant trust that the loan data is correct on the Aidvantage site until I receive appropriate notification. The lack of communication is causing undue anxiety.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (VA)

American Express has denied me because of FALSE INFORMATION claiming to be on MY credit report. Stating that I do not have any credit history, that I am delinquent on more than XXXX account, too few accounts paid as agreed. This information is not true. I have been with XXXX services for over XXXX years never missed a phone payment never was late, I owe no debts, I have no credit cards.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I have been receiving numerous phone calls from Commenty Bank in regards to my Victorias Secret credit card. I spoke with the company on XX/XX/year> in an attempt to create a payment plan but the company wouldnt agree to my terms on the date the automatic payments would occur. Since the phone conversation the company has been calling me nonstop using an Unknown number and various XXXX numbers. The company continuously calls from the unknown number and follows up with a call from an XXXX number within XXXX minutes of the phone call. The company has far exceeded the XXXX calls within a XXXX day period, often calling more than XXXX times within a XXXX day time period. This tactic is causing me undue stress and preventing me from focusing on growing my new business to a point to get me out of the financial burden that I am experiencing since losing my previous business.
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (GA)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DIGITAL FEDERAL CREDIT UNION (NY)

Applied for a home equity loan on XX/XX/XXXX for XXXX. We had already put over XXXX into an addition on our home and needed the money financed to complete the addition and renovate the existing home. The loan was immediately approved and I locked in an interest rate of 7.49 % on XX/XX/XXXX. 

We were later told that the rate was going to increase to XXXX at closing if we wanted the loan. We were in the middle of construction, nearly 2 months had passed, and we needed the money right away. 

XXXX was disbursed on XX/XX/XXXX to complete the addition and pay the contractors for labor and materials. In late XXXX, the addition was complete except for trim around the doors, windows and baseboards. The roof of the addition was covered in ice/water shield in XX/XX/XXXX and could not be shingled until the roof on the original house was also ready for shingles. The same is true for the siding as the addition is connected to the original structure. 
We were told verbally that once the addition was livable, the remaining money would be released. 

I contacted the bank in XXXX letting them know that we were ready for the remaining funds. I sent pictures of the interior to show that it was complete. On XX/XX/XXXX I received an email from XXXX XXXX, Mortgage Closing XXXX asking that my spouse and I sign an attached document ( ESCROW HOLDBACK AGREEMENT ) that the bank " forgot '' to include at the closing. 
This document was dated XX/XX/XXXX on the reverse side. I attempted to contact XXXX XXXX but my calls were not returned. We did not return or sign this document that was dated XX/XX/XXXX as the closing was completed on XX/XX/XXXX. We were not informed at closing of any conditions to " completion, '' that we would be paying interest on the money that was not released, nor that remaining funds were in a non-interest bearing account. 
Since XXXX, we have paid XXXX in interest.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a late notice on my credit monitoring service. I NEVER pay accounts late so I called 53rd to see what happened. They stated a payment was late. I asked how and I set up automatic withdrawal. The customer service rep apologized and stated it wasn't set up correctly. They stated it was something on their end which caused the error. He apoligized and asked could he take the payment over the phone. I asked could he check while on the honee with me that I set it up correctly. He did. However they took XXXX deposits out my account, then credited one of them back. 

My credit report is still reporting late but by no fault of mine. The customer service rep stated himself that it was 53rd fault. However, my credit is affected because of this. 

I called and talk to XXXX supervisors and they did not thoroughly investigate the situation and I feel they are hiding the fact that they messed up.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-29
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: OPORTUN FINANCIAL CORPORATION (NJ)

Im amazing the CFPB for help With an issue with this credit card company Oportun, This is one of the most unprofessional and unreasonable credit card company. They have no type of support and its extremely hard to to get in contact with them. 

On my XXXXXXXX XXXX I had lost my credit card & found 2 unauthorized transactions on my statement which I promptly contacted XXXX about. After 10 tries of phone calls I was able to get on to them. I report the 2 transactions {$340.00} & $ {$530.00} they then said theyll cancel the current card send me a new one & investigate the transactions. Now today is the XXXX, XXXXXXXX XXXX and I havent received one document or even as much an email from this credit card company about this issue. Yet they went ahead and posted back these transactions on my account. Not only did not not investigate these transactions but they have not even reach out to me or even say what happened to the transactions or where it came from. This credit card company needs to be investigated. Several reviews of other customers shown that these things has been going on for years with this credit card company Opoturn
Consumer complaint received 2024-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Earnest Inc. (NY)

Approximately XXXX  months ago I requested XXXX  to stop contacting me, as I am unable at that present time to make a payment, I will call them when I have the financial means. The calls never stopped to me, and they started to call extended family, my parents, siblings, and my wifes family, among others Im sure theyve contacted. They told my Aunt, whom my family hasnt spoken to in XXXX  years, they were XXXX trying to collect a debt, looking for me. 

They have sent several letters threatening to escalate the situation and potentially sue me. Giving me deadlines that have kept getting pushed back, so nothing more than empty threats. 

Which brings me to the day of XX/XX/XXXX. I sent an email demanding them to stop contacting me immediately after another threatening email. 

They responded XX/XX/XXXX, stating it may take XXXX  days to get into their system, but they will cease communications. 

Only they havent. Given their XXXX  day request, they have called XXXX  times. The dates they called are ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, please note dates that are XXXX  are XXXX calls on those days. 

This is on top of the hundreds of calls theyve given me since my request over the phone to stop. 

They are harassing me and breaking the law, and Im not sure what else to do.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Stop treating your call center agents like Gods, and stop apologizing because that's a shortcut to a lethargic attitude, and take accountability for their disservice. Stop payment falls under a basic service provided by banks, but your call center operators either do not know or do not want to provide the basic service to customers. 

I made a payment from my XXXX checking to my Capital One credit card. I called the bank and asked to put a stop payment on that. I spoke with a checking account manager ; she could see the payment on her screen. She transferred the call to your claims team and the phone operator from the claims team could also see the transaction. 

But then, when I spoke with a manager from the claims team, she said she can not see the transaction and asked me to contact the credit card department to place a stop on the payment that was generated from my checking account. Credit card department has no control on my checking account but the claims manager said otherwise. I was also told that my checking account and debit card are two separate entities. 

This is just next level insanity. I understand XXXX people have difficulty understanding English language but if they can't provide the basic services to customers, then why have your call centers in XXXX!? 

Listen to all the phone calls from today with XXXX and XXXX ; these people have fancy English names but can not provide service because either they don't understand English language or they just don't know how to do their job right. Instead of taking the shortcut apologizing, justify what happened on those phone calls from today. 

XXXX XXXX is an eye witness.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint against XXXX, XXXX and Equifax for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, XXXX has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. 

I initially brought this matter to XXXX 's attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to correct these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. 

The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about XXXX 's compliance with federal regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that XXXX adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. 

I have attached my initial dispute letter to XXXX, XXXX and Equifax dated XX/XX/2023. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly. 

Thank you for your assistance in ensuring fair and accurate credit reporting practices.
Consumer complaint received 2023-04-12
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$11000.00}. 

This complaint is my follow-up to ensure that the listed accounts are investigated.