davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

At the beginning of XX/XX/XXXX I was accepted to get a modification on my mortgage with Nationstar Mortgage in XXXX, Texas. I was to do XXXX trial payments starting in XXXX which I completed and got my modification. I got my final paperwork to sign and get notarized and send back to Nationstar. On my paperwork it stated that " Borrower promises to make monthly payments of {$700.00} starting on XXXX XXXX. '' I sent XX/XX/XXXX payment and then XX/XX/XXXX. The middle of XXXX I got call from the mortgage company that I needed to sign the paperwork again because they said did not have all the pages but this would not affect the modification. I did that. In the beginning of XXXX I received XXXX letters ( XXXX reg. mail and XXXX cert. mail ) stating that if I did not pay {$1100.00} by XXXX XXXX they were going to start foreclosure on my home. I called and asked what was going on. First they tell me that my monthly payment is not {$700.00} but is {$940.00}. I asked why it was not on my paperwork and they claim that they did not know what my escrow payment was. ( I did not believe that ). I asked why I was not notified and was told that because of my bankruptcy ( discharged in XX/XX/XXXX ) that by law they do n't have to send me monthly statements or call me to tell me what I owe. I asked how would I know what I owe then and they said I could call them! Why would I call them if my paperwork stated I was to pay {$700.00} every month?! When I call this company the agents can be very rude and everyone gives a different answer to the same question.If I call XXXX of of their loan specialist on their private number I never get them but get their voice mail and I leave a message and they never call back ( ever ). The foreclosure is in suspension now so I can try and get caught up but I feel this is their mistake not mine. I called the XXXX office in XXXX, Tx. and they have a F rating. I filed a complaint with them and also the Texas Mortgage Banking and Savings Lender.
Consumer complaint received 2024-09-15
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 called American Express ( AmEx ) customer service ( at XXXX ) yesterday ( XX/XX/XXXX ) to confirm the start date of the six months I have to spend {$2000.00} to have the XXXX bonus miles added to my Delta account per the AmEx Delta Skymiles Gold promotional offer ( per https : //www.delta.com/us/en/skymiles/airline-credit-cards/american-express-personal-cards ). I was surprised to hear XXXX, a customer service agent, state there was no such offer connected to my account. He said I should have been notified by email or mail that I was not eligible for the offer ( because of previous AmEx card applications? ). ( I have not applied and been approved for an AmEx card since XX/XX/XXXXXXXX  ) I replied that I was not so informed. Neither he nor XXXX, the AmEx customer service agent I spoke to today ( XX/XX/XXXX ) at the same phone #, could cite any such rejection notification that I was sent. I have received no letters or email from American Express about the Delta Skymiles Gold card since the email I received on XX/XX/XXXX ( attached ) with the subject, " Your application has been approved. '' I would not not have applied for the AmEx Delta Skymiles Gold card if I had known or suspected that I would not not be approved for the XXXX Bonus Miles ( which has now increased to XXXX Bonus Miles for spending {$3000.00} in 6 months ). I also would not have charged the {$1000.00} ( my balance thus far ) to the Delta Skymiles Gold card, but would have charged that sum to other credit cards where I receive 5 % cashback for restaurants, supermarkets, and gas ; 3 % for hardware, and a minimum of 2 % cashback ( with my XXXX XXXX card ) for everything else. 

This was blatant fraud and false advertising ( which has adversely affected my credit rating ), for which I should be reasonably compensated.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been dealing with my mortgage company for 7 years. The problem first started when I lost my husband. He was killed XXXX, whilst in the XXXX and the guy/people that originated my loan are in Federal prison for predatory lending. My loan was originally with XXXX and then bought out by XXXX. Who then illegally foreclosed on me and I went to court and got a judgement in my favor. In the meantime I had to close XXXX because my daughter was diagnosed with XXXX and I had to work with her. I still receive my VA benefits and Survivor benefits to afford my mortgage. When the housing market crashed I initialized a modification with XXXX, it took two years of submitting documents. I also was n't allowed to make payments during this time. So my past due kept going up. Also my original loan balance was going up too. Finally they had all my papers together and I was in underwriting and on the final day they sold my loan to Natiionstar. They told me I had to do the whole thing over again, which I did that has been going on for two years. So it started at XXXX and now is XXXX and they having me owing {$300000.00} in fees and paments and XXXX in escrow arrears. They wo n't send me copies of the fees I owe or the original note or XXXX. Statements or Countywide documents or anything I request actually. I am a XXXX widow and have my late husbands daughter who is XXXX. This is the only home she 's known and I got completely messed over with my original loan. I feel like I 'm being walked over and I ca n't get any answers or help.
Consumer complaint received 2024-09-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AZ)

This account is XXXX XXXX XXXX shouldn't it be removed from my credit report? If it is going to remain then the credit company must report correct and UpToDate information and I thought that the CFPB had a responsibility to ensure that this is what is happening. Instead, I am providing documentation of this account, and nothing is being done about the company 's negligent reporting causing my credit hardship when truly this is not the case. I will provide XXXX final letter hopefully this will be taken seriously this time. 

In case there is some confusion. I didn't write this letter the company did and all I am requesting is that the entire account be removed from the credit report since it is XXXX XXXX XXXX normally credit companies report for XXXX XXXX Or update the account to reflect the account is paid off as the letter explains and stop reporting this account negatively then in turn providing me with letters as though we are on the same page when in fact we are not. When will the CFPB acknowledge this letter sincerely hear my complaint and put a stop to this violation against the consumer? 

Thank you
Consumer complaint received 2024-09-22
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. (CA)

Citi after requesting and receiving information about this issue has decided that they feel the complaint is too old to investigate further. While it is true that the original airline ticket charge occurred in XXXX, the flight was scheduled in XXXX and we promptly filed the complaint after the airline did not provide the paid for service to have this properly investigated. 

Below are the original details regarding the issue with the airline that we asked XXXX to intervene on our behalf to adjudicate : Due to severe understaffing at the XXXX XXXX check-in counter in XXXX a number of passengers, including myself and my daughter, were severely delayed from checking-in despite arriving XXXX hours before departure and missed the below flight from XXXX to XXXX : XXXX XXXX XXXX XXXX INT XXXX 
XXXX XXXX XXXX XXXX - XXXX ( XXXX ) SPO = Classic Economy Class Further, the booking information provided by Condor was incompatible with the XXXX XXXX self-check-in system ( kiosks ) at the airport. We had also tried to check-in online in advance and were precvented by the XXXX website from doing this. 

As a result of the inability to board our scheduled flight, we incurred additional costs from flight change fees of approximately {$500.00} US plus other costs including ground transportation and an extra night of lodging. 

Thank you.
Consumer complaint received 2024-07-11
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

Given the increasing prevalence of breaches, it makes sense to freeze your credit report - I wanted to verify my freeze as the last breach exposed information about me that went back decades. I logged into Experian to try and see if my credit report was frozen - I urge you to try it for yourself - unless you are specific enough in navigating their website you will be led to think the only way to lock your credit is to pay for their credit lock option. The website and even the chatbot are circular and misleading UNLESS you can be specific about a credit freeze rather than locking and this is deceptive in my view- it may lead those who are concerned, but can't afford another monthly service charge to skip this step exposing them to risks that if Experian were a research organization would not be allowed to have the data they maintain. Both XXXX and XXXX are more transparent with this service, but in my view Experian is guilty of deceptive practices.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Equifax has reinserted addresses on my credit that I disputed and the took off but reinserted the addresses. I do not live at XXXX XXXX XXXX XXXX, XXXX, ohio XXXX nor did I ever live at XXXX XXXX XXXX, XXXX ohio XXXX. Both these addresses was removed but equifax keeps reinserting them. I have sent in several forms of documentation supporting my dispute and they seem to keep doing what they like. There is also a few more accounts that was reinserted without notification nor validation nor verification. XXXX XXXX, XXXX, and XXXX XXXX. I have had it up to no witts end with this agency. CFPB obviously does not do there job this should not keep happening! Remove these address and the accounts that XXXX is showing in there computer system.
Consumer complaint received 2024-07-11
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. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (MO)

I had sent in a letter to US BANK in XXXX that they had received on XXXX XXXX in reference to denying me my credit. They are committing security fraud by denying me my own credits from the ces que vie trust that I am a beneficiary of. They have violated the FCRA, ECOA, and TILA. I also had asked them to retract my application if they were gone to continue to deny me my credit I'm entitled to by law. I don't see that its fair for them to keep my application which is a security due to having my social and electronic signature and I will not benefit off them trading it on the secondary markets.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX XXXX  and XXXX all working together lying that fake doctor XXXX XXXX with fake SSN number did purchase my property legally on XX/XX/XXXX at an bank foreclosure sale from XXXX XXXX XXXX  for XXXX. XXXX have confirmed with me that my first satisfactory mortgage paid in full were in XXXX. XXXX Attorney XXXX XXXX were fully aware on XX/XX/XXXX inquiry as XXXX. Then XXXX XXXX lied that he had a lender the does not exist on a letter dated XX/XX/XXXX from XXXX XXXX XXXX under record ID # XXXX he mentions he lender as XXXX XXXX XXXX a fake name. He goes on to cash XXXX XXXX  escrow account checks in my name and reported it as XXXX with XXXX XXXX XXXX XXXX. Also, XXXX XXXX no XXXX as XXXX XXXX XXXX XXXX  Resolve XX/XX/XXXX also with XXXX XXXX XXXXXXXX XX/XX/XXXX. Fake SSN numbers XXXX and XXXX.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MA)

In XXXX, I received a notification from U.S. Bank that my account had been closed. At the time, I was living in XXXX and requested that a check be sent for the remaining balance, which was over {$3000.00}. One of the letters I received mentioned that the funds would be mailed to my address in XXXX. However, I never received the check. 
Now that I am residing in the XXXX, I would like to understand what happened to the withdrawn amount and confirm whether U.S. Bank can issue a check for the remaining balance. I have called several times to resolve this matter, but after being transferred between various departments over the course of more than two hours, no one was able to locate my account information, likely due to the fact that it was closed XXXX years ago. 

I am hoping to resolve two key concerns : - Why was my account closed in XXXX?

- What happened to the remaining balance, and why has the check not been sent? 

I would appreciate any assistance you can provide in resolving this matter promptly.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have reached out to Capital One via certified mail on XXXX separate occasions, requesting creditor disclosure statements on the final letter regarding the account ending in XXXX. Each time, Capital One has failed to respond within the appropriate time frame, effectively defaulting on their obligation to provide the requested information. My final letter, sent on XX/XX/year>, served as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692g. In this letter, I demanded that Capital One cease and desist from further payments until they provided the requested creditor disclosure statements. Additionally, I warned that failure to comply and any negative marks on my credit report would prompt me to take further legal action. 

Despite these communications, Capital Ones responses were either late or nonexistent. When I contacted the agency by phone, they claimed to have no record of the letters they sent in response and no data about the matter, despite my efforts to address the issue both by mail and verbally. Their disregard for my requests, along with their failure to provide the disclosure statements as required, has resulted in continued commercial fraud, in violation of federal law.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (AZ)

i HAVE CALLED amex OVER 30+ TIMES, TO DISCUSS NON PAYMENT ON MY ACCOUNT OVER THE LAST FEW MONTHS. i WAS FIGHTING FOR MY LIFE IN XXXX, I HAVE ALL DOCUMENTATION TO SUPPORT THIS. EVERY TIME I CALL I CANT GET ANY HELP. I CALL AMEX DIRECTLY AS WELL AS THE CORPORATE OFFICE AT XXXX, i GET A RUDE XXXX ON THE PHONE NAME XXXX. REFUSES TO PROVIDE ANY HELP, LAUGHS AT ME. HOW AM I TO RESOLVE ANYTHING WITH YOUR COMPANY IF YOU WILL NOT TAKE MY CALLS BUT CALL ME HARASSING FOR PAYMENT. I TRY TO MAKE PAYMENT AND YOUR COMPANY WILL NOT ASSIST.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In mid XX/XX/year>, someone who pretended to be me using a very similar email to mine, sent an email to my CPA requesting that my IRS and CA XXXX refunds be deposited to a Bank of America number provided. My CPA who files for me annually and has for the past 30 years changed the bank information on the e-file. When I did not receive my refunds, I contacted my CPA who upon verification became aware that he had filed based on fraudulent information. 

Two deposits, one from IRS in the amount of {$30000.00} and another from California Franchise Tax Board in the amount of {$8200.00}, have been fraudulently deposited into a Bank of America customer 's account number that does not belong to me. On XX/XX/XXXX, I verified with a BofA branch representative and the branch manager in XXXX XXXX that both deposits were made into this account and still available at the time that I brought it to them for resolution. The deposits are indicated as IRS refunds intended for me but fraudulently deposited to someone else 's account who committed email fraud pretending to be me and communicating with my CPA. 

Based on the reaction of the client service team member, the account seemed very suspicious and she tried to get the Fraud department to help as well as asking the branch manager if they could freeze the account. However, the branch manager refused to assist in freezing the account despite knowing that the funds did not belong to that client. 

It was recommended that I report this to the authorities immediately. I immediately left and reported the incident to the Orange County Sheriff 's Department, in XXXX XXXX. I then went back to the branch and asked to speak to the branch manager, who made a copy of the police report case number but again did not assist in freezing the account and said this is out of his hands. 

The following day, I returned seeking further clarity and assistance. Unfortunately, the branch manager informed me that he could not help and referred me to the fraud XXXX number, from which I have been unable to receive any assistance. 

I have spoken to and filed a report with the FBI in addition to filing the police report with the police department. 

In speaking to the IRS, they have made it clear that this is a bank responsibility as the name of the rightful recipient of the funds and the account holder are different and the bank should have rejected the payment as it is the practice with other banks as well as with all wires. 

I kindly request your assistance in this matter.
Consumer complaint received 2024-10-08
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. (TX)

I purchased XXXX XXXX ticket using Citi Card, i bought return journey ticket, while going to XXXX was fine but in return XXXX XXXX delayed entire journey by XXXX Hours. As per Department Of Transportation and FAA rule that if XXXX flight is delayed for more than XXXX hours then consumer is entitled to get refund. 

Also because of multiple delays i was forced to stay overnight at XXXX airport, XXXX customer care told me to book my hotel and cab, and was promised that airlines will pay be back, As of today XXXX has not paid me back and Citi bank is refusing to fight with XXXX XXXX and credit my amount back. 

Even though i have all the evidence and which i have submitted to both Citi Bank and XXXX XXXX, both of them are not responding to me in positive way. 

Citi Bank does not even look into what i have submitted and favoring XXXX XXXX. 
I have paid for extra leg room and extra bags for my entire journey, now airlines is refusing to refund me for not delivering the services that i paid for and Citi Bank is favoring vendor and not the customer of their bank