davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Guild Holdings Company (OR)

I was having some trouble paying my mortgage about a year ago due to XXXX, medical bills due to my home being sold to me with roof leaks and mold and the subsequent allergic reactions that my wife, my son and myself had been experiencing since we moved in. Our debt to income ration was very high when we were miraculously approved for the Va home loan. We then entered the COVID forbearance program for as long as guild mortgage would allow. There was no warning or notice that the entire XXXX would be due as a lump sum payment at the conclusion of the forbearance program. I was in shock and called and asked if I could put that amount on the end of my loan and I was told no. The only option guild was giving me was to short sell my home or go into foreclosure and lose it. They asked about changing my payments or a continued forbearance, all were denied. When I tried to make a partial payment it was also denied. Then guild stopped responding entirely to the point where not only could I not make any payment whatsoever but I was unable to communicate to possibly negotiate with guild regarding the impending foreclosure. My calls were never answered and sometimes would go straight to a message and no one ever called me. Its almost like I was blocked. I was then forced to find other means of saving my home when I was thankfully able to get approved with the Homeowners Assistance Fund for a XXXX percent loan for the amount of just over XXXX. This was contingent on me living in my home for the next 5 years and I would have no payments to repay the HAF loan during that time. They saved my home and even they had problems communicating with guild mortgage. It was not until I was almost finished with the HAF loan approval that guild mentioned loan modification amongst other options. So now I have a stand alone 2nd mortgage for over XXXX to pay off if I ever wanted to move or sell and its due to the direct refusal of guild mortgage to follow foreclosure protocols and offer the options that were readily available with them in accordance with federal mortgage relief guidelines. They also still will not tell me who my lender is or put me in contact with them. They set me up to fail and then tried to make me lose my home and if not for the HAF loan they would have succeeded. In XXXX of this year the HAF fund payed for the past due balance and all the fees and an additional 6 months of my mortgage to which I have made all my payments on time. I feel like I was setup for failure by my mortgage company but when I spoke with guild last week about my debt to income ration upon purchase they said they were following VA guidelines when the VA does not set the terms of the loan. They just back the veteran buying the home. I feel I was targeted and setup to fail from day 1 from guild. I can never get straight answer from them about anything and I get mixed information all the time and never any actual help from guild.
Consumer complaint received 2024-08-30
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc. (FL)

I did not XXXX XXXX XXXX XXXX XXXX XXXX to release my personal information to this dept collector Medical Revenue Service. XXXX XXXX disclosed to them all my personal information such as what types of meds and shots which violates the HIPPA LAW.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (FL)

On XX/XX/XXXX, I received notice from Mandarich Law LLC regarding a debt I owed XXXX XXXX XXXX in the amount of {$1400.00}. XXXX purchased this debt from the XXXX XXXX XXXX where I had a credit card. I requested more information about the debt via email to XXXX at XXXX that evening from my personal XXXX To that, I received no written confirmation or response. However, on XX/XX/year> I received a letter from Mandarich Law showing me a credit card statement to the debt for a XXXX Credit Card that was authorized by the XXXX XXXX XXXX They claimed they could move forward with proceedings but wanted to hear from me first. I quickly wrote an email to Mandarich ( XXXX ) which is the primary email listed on the letter I received and is well advertised on their website. I acknowledged the debt, and offered to settle for {$1000.00} over 8 monthly payments. I received no response. Due to another recent legal issue I had, I have browsed a local court docket and noticed a lawsuit was filed ( statement of claim ) against me on the early morning hours of XX/XX/year>. It was seeking legal action that for the entire amount stating I had not responded or articulated interest in settling or communicating. Further, they took that step without # XXXX responding to my request and # XXXX showing that XXXX had actually purchased the debt from the XXXX XXXX XXXX ( only a credit card statement ). 

The law firm dated my letter validating the debt on XXXX XXXX, 2024 but I did not receive it until XXXX XXXX. The letter was not sent via certified mail nor with tracking information so there was no way of knowing I received it. I communicated immediately after receiving this message and I know they do receive my emails, because I finally received the validation 2 months after I requested it via email but did not get an acknowledgement. They did not account for the fact that they dated their letter on XX/XX/XXXX, but I didnt receive it timely and as a result they initiated legal action against me despite my ongoing efforts to resolve it. 

Once I came across the lawsuit yesterday, I emailed a letter to the counsel on file, XXXX ( the primary email of receipt for the suit ), and XXXX. I requested they accept my offer and make me a counter offer. Further, that they cease service of process and withdraw the statement of claim against me because I had made a documented effort to reach them in a timely manner after I received acknowledgement.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (FL)

I was double charged by a merchant ( XXXX ) I have contacted then and provided all information necessary for them to release the pending authorization hold on the second charge. The final charges have already processed and include the additional charge that is pending.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (CA)

This account constitute a clear violation of the contract and are inherently fraudulent. The bank did not provide me with crucial information about this fraudulent account, which directly infringes upon my rights as a consumer. Consequently, I urgently ask the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter, as the bank 's actions have caused considerable damage to my financial situation. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC (VA)

I could not pay my XXXX as I was in the hospital for XXXX  days. I paid the minimum as soon as back home and called on the XXXX and explained my situation. Also, I asked about the promotional offer date, she mentioned it will expire in XX/XX/year>. Now they charge a XXXX $ interest fee. Again, I called about the charges and promotional offers going to end in XXXX but they are telling me they closed my promotional offer because I missed the XXXX payment ( paid XXXX, due date was the XXXX ). 
They never mentioned any of the statement promotional offers ' end dates if you see the statement. I requested to waive the interest charge and refused to do the charge even sent so many emails.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (GA)

As per the guidance from the consumer financial protection bureau ( CFPB ) the documents needed and a letter from an advocacy under the provisions of the fair credit reporting act ( FCRA ) 15 usc 1681 and the fair act debt collection practices act ( FDCPA ) 15 usc 1692 I am writing this letter to XXXX account number XXXX balance in the amount of XXXX open XX/XX/year> I never had this debt collector for any debt, please provide proof from the original creditor that this debt collector that debt collector owns this debt and has the legal authority to collect it or delete this account has soon has possible
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

Dear Discover Bank, I am having trouble recognizing this account that is being reported on my credit report. I do not think it belongs to me and so I am asking for your company to validate this account information by providing me with the requested documentation. In the event that you are unable to do so, then you must cease all reporting of this account immediately.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (GA)

I ordered clothes online through my PayPal account which is debited from my checking account and I filed a case with PayPal on XX/XX/year>. They closed the case on XX/XX/year> in the Sellers favor after I submitted the necessary documents to show that I returned the merchandise and that they would not issue a refund after the merchandise was misrepresented.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: M&T BANK CORPORATION (TX)

I asked the company that had my information into the collection agency to provide me with signed documents that has my social security number, date of birth and original signature on documents that shows my signature and correct SSN and DOB all documents and none of what I asked for has yet to be provided, they send me everything but what I've asked for. No documents have been confirmed with my signature, correct DOB and SSN
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

Citi closed my Citi Rewards+ Card account without my permission and without notifying me. This caused me the loss of approximately XXXX Citi Thank You Points which I had earned and was saving. When I called Citi to ask about this, they refused to restore the points.
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I lived on the XXXX floor and the person who lived on XXXX floor keeps having police called on her due to disorderly conduct. This person also had a person not on the lease living with who who was arrested with force due to warrants. I informed management EACH time and the management took no action but told me " you can move out if you don't like it, the police are the ones to handle this ''. I sent management emails and even went in person with audio recordings of all of this. The last time the police where called out I finally decided to press charges on the person above me and she plead guilty in court and I was awarded a NO CONTACT order. But the apartment complex let that person remain in the apartment above me. All of this goes against the landlord tentit act and there own policies " quite enjoyment, person staying longer than x amount days must be on lease, no person with warrants or criminal records. '' Also water was shut off at least once a week all day long the whole time I lived at this apartment. 

I have audio recordings of me informing management of all of this several times and emails. But management informed there corporate office I never told them what was going on. Even though I sent the same information to the corporate office. 

All of this goes against my right to a safe environment and my right to dispute and not be heald liable for any money owed. 

If you like I can send a copy of the court case and the no contact order and all the emails I sent to this apartment complex, all audio recordings to prove this apartment complex was not providing a safe place to live and was breaching there own contract and landlord tenet act. 


( NOTE your system won't let me add documents it won't even let me click upload documents. )
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CO)

They told me the payment didnt go thru so I paid with another card and a week later the payment they claimed didnt go thru was processed and it sitting on a closed account as a positive amount. When I ask when they will issue my refund they tell me the account was sold to someone else but refuse to issue my check. I have screenshots of the conversation.its a Fortiva Credit Card.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MS)

XXXX XXXX- {$1800.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. Discover Bank- {$8700.00} XX/XX/year>, sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. XXXX XXXX XXXX XXXX {$5000.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. 
XXXX XXXX XXXX XXXX {$0.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

XXXX XXXX help center- XXXX the guys names that I spoke with was XXXX XXXX to FTC and XXXX  They said they would help me recover my business XXXX page, but instead took over XXXX dollars out of my account via cash app. 

I called XXXX XXXX immediately and told them this was not authorized. I reported it to the FTC and XXXX  I did my money back the next day and thought all was OK, in XXXX of XXXX from XXXX XXXX, but then on XXXX XXXX, XXXX XXXX took out over XXXX dollars from my account ( which is my social security check ) and said that it was my fault for dealing with Cash App which they now claim as a fraudlent company and would not restore my funds.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Recovery Services, Inc. (FL)

Southwest Recovery 's keep reporting open balance on my credit and is illegal to report a collection account as open account please remove this information from my credit report. 

ALSO CHILD. Support WAS CLOSE AND STILL SHOWING UO AS A COLLECTION
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WA)

In XX/XX/XXXX, I opened a checking account with XXXX XXXX in response to a promotion that promised a {$600.00} reward after meeting a direct deposit requirement. I completed the direct deposit requirement but never received the reward. Upon visiting a US Bank branch on XX/XX/XXXX, I was informed that the promotion ended on XX/XX/XXXX. However, my account was opened on XX/XX/XXXX, just two days later, and there was no clear communication at the time of opening that the promotion had ended. This seems misleading, as I would not have opened the account if I had known the promotion was no longer available. I would like US Bank to honor the promotional reward as advertised or provide a resolution.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

My Wells Fargo checking account is being closed because of purchases that I did not make. My account is scheduled to close on XX/XX/XXXX. I had XXXX fraudulent transactions that were made on my account that are totaled to {$83.00}. I tried to dispute these fraudulent charges and then got a message and letters saying that my account was being closed without me being able to do anything to stop it.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (TX)

We opened an account at BMO Alto in XX/XX/XXXX containing just over {$210000.00}. Despite multiple attempts to add my wife as a joint owner, we were unable to do so due to issues on BMO Alto end. Consequently, we decided to open a CD at another bank and requested a transfer of funds from o

ur BMO savings account. Several days after initiating the transfer, our account was frozen, and we received the following communication : BMO communication : To assist with our fraud investigation, please provide the following : 1. A recent, unredacted statement from [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX ], and [ XXXXXXXX XXXX ] showing the last four digits of your accounts ( XXXX, XXXX, and XXXX respectively ) and the BMO Alto transactions.


2. A valid copy of your government ID. During our repeated interactions with BMO Alto, we encountered these issues : 1. BMO provided incorrect last digits for the XXXX XXXX account. 
2. BMO Alto demanded an account statement from XXXX, which was still in the process of being opened, making it impossible to provide statements. 
3. A representative requested front and back copies of the government ID, despite the original email not specifying this requirement.

4. Another representative stated that two months of account statements were required, although the email did not mention this.

5. After submitting all requested documents, we were informed that it might take up to 30 days to release our funds.

6. Agents were unable to confirm the location of our funds or whether we were accruing interest during the freeze. 
7. We experienced misleading, incorrect, and sometimes rude responses during our inquiries.

8. Over a week has passed since submitting the requested information, yet the account remains frozen.

9. There has been no communication from the bank during this period.

10. My email to BMO Alto requesting resolution has gone unanswered.

11. Representatives refused to allow me to speak with a manager.

12. Some representatives became hostile when I expressed frustration with their handling of the case. 
13. The funds transfer to the CD at the other bank was denied, even though all information was provided and I talked to the representative who verified my identity was verified and acknowledged they received the required information 14. The CD rate we had ( 4.8 % for a 2-year CD ) is no longer available and has since dropped significantly. 
15. This resulted in direct and significant financial harm since the funds BMO Alto is withholding will earn a much lower rate
Consumer complaint received 2019-12-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

After 7 years paying my mortgage to chase bank on time l got laid off from my job. I was able to keep up my payments for a while but I finally started to fall behind on my payments. In XXXX of 2019 I had fallen to three months behind. I was told by chase bank that I needed XXXX to bring my account current and to get it out of default and that needed to be done before XX/XX/XXXX. The good thing was I started a new job and I was able to get back on my feet. On XXXX XXXX I made the payment of XXXX which should have taken me to current. But when I got my next statement they did not credit my money to bring me current like I was told, they used that money for fees and late charges. So they once again they decieved me. I say once again because 3 years ago my mortgage insurance was supposed to come off my loan because I had meet all the criteria to have it removed but when all this stuff started I noticed they never removed it as I was told and they had been over charging me XXXX a month for over 3 years. Last week I received a letter from chase that they sold my mortgage to a company named XXXX XXXX. I went on to my chase online account to pay my current mortgage payment but it will not accept my payment. So I went to the XXXX XXXX website to see if I can make my mortgage payment there and it says that my account info will not be available until XX/XX/XXXX so now I am in limbo. I dont think its fair that theses banks can just do what ever they want and the little guy like myself that is trying to do the right thing only option is to spend thousands of dollars to hold these banks to doing the right things.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (VA)

I had a BP gas credit card which was held through XXXX XXXX It is one of the few accounts which I pay on line, and I usually send a set amount of {$100.00} a month prior to receiving the statement in the mail. From XX/XX/2022 to XX/XX/2022, I sent a total of {$550.00}, through my banks web bill pay system, to them. What I did not know was that XXXX sold the BP card to another company, the XXXX XXXX XXXX XXXX XXXX, at some point earlier in the year. I started receiving late payments ( with late charges ) from this bank in XXXX, which I considered a scam and ignored it for several months. When I finally got in touch with them, gave them bank statement proof of payments, they cancelled the charges and attempted to retrieve the {$550.00} from XXXX to no avail. I phoned and tried to contact XXXX multiple times and eventually sent them a certified letter of demand for the return of the overpayments. I have still not heard from them and I hope that you can help me resolve this issue quickly, or guide me in a way of taking legal action against them. Thank you