davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC (FL)

My son was diagnosed with XXXX and I had to re-route my resources to pay for his treatment and was unable to also pay the mortgage. I submitted a complete loss mitigation package. The denial letter states that my loss mitigation was denied for certain programs due to submitting a complete package. I don't understand why these lenders do not provide easily understood reasons for denials, as seen below. I don't think the CFPB wanted applicants to be denied loss mitigation due to complete package submission. Also, the application was denied on XX/XX/, the letter went out to me on XX/XX/ as verified on the attached picture of the envelope, and received by me on XX/XX/. This took away a complete week from my ability to respond because the lender said the appeal needed to be received by XX/XX/. If you look at the letter, it says that the appeal must be received in the mail or by fax. When I went to fax the letter, the fax number does not work, as you can see in the emails received regarding the chat with my fax provider showing that Loan Depot 's fax number does not work despite Loan Depot requesting the appeal be sent by fax. I am also sending a screenshot of the fax attempts. I called Loan Depot and was told to email the appeal letter, despite that process not being provided as an option in Loan Depot 's denial letter. It seems that Loan Depot is deliberately trying to deny me a loan modification. I am a Veteran and currently in the reserves. I can pay for a loan modification. Please review to see if the lender is complying with the CFPB 's rules for loss mitigation procedures. Thank you.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

Yes, i just needed the money for the XXXX XXXX XXXX i statered to use and for my XXXX  XXXX which i toock out a large payment for and with my ssa being suspenend because i had too much i that account and they depositied that money and ssa want s it back now and they suspened it so i dont get ssa checks at that account i was in need alot for a year or so because they tootk that fraud choice back, i would have made a diffrent choice about the loan and pating for the XXXX XXXXXXXX
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (LA)

I have requested that my PSLF Certification documents be counted and my PSLF count be updated. They told me in XXXX that it was a duplicate. It was not. I refiled it in early XXXX. Nothing has happened. So I then requested a reconsideration through the XXXX XXXX website. They said I don't have any qualifying loans for XXXX, which is not true. My count is already up to XXXX qualifying payments. Now they want me to begin paying {$850.00} a month and I would really like to see where I am in my count. I am at the required XXXX payments, or very close. I cant not afford to pay {$850.00} a month. Why should I pay that if my payment count is already at the required XXXX? 

Any help is appreciated. 

Thank you.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (MD)

I've requested the company to remove this negative collection with no reply. 

Caine and Weiner XXXX XXXX XX/XX/year> Account # XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX 15 U.S.C. 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Hi my name is XXXX XXXX and I was going over my credit report to see if my score changed cus I been making on time payments to the this company advantage auto for almost 8 months and seeing no changes in the debt amount I would like for them to either remove the account or adjust the payment properly to resolve this problem I uploaded documents to show my remaining balance on the account!!
Consumer complaint received 2024-02-16
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: CITIBANK, N.A. (TX)

I applied for a 0 % interest credit card to do a balance transfer to help assist following a financial issue. When I called to complete the balance transfer, I was told that I could not transfer the balance from my existing Citi Advantage Card to the new Citi Diamond Preferred card for the 0 % interest. I read through the terms and conditions which were mailed to me which do not indicate that is required to be a balance transfer from different institution. When I further questioned, where it was within the terms and conditions mailed to me with my card, I was advised it was only an internal policy indicates this and it was not in the terms and conditions of the agreement provided. As a customer, I am not privy to your internal policies and only to the terms and conditions provided to me in writing under my name in my card agreement with Citi. This is completely in appropriate to refuse a customer based on an internal policy and not based on my written agreement with Citi, it is discriminatory and bad faith by a financial institution. I was only given broad brush answers that well everyone knows ... .There was no further remediation offered except to close the card which had already pulled and affected my credit. This is not a resolution to something that is the fault of Citi not their customer.
Consumer complaint received 2024-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (AL)

Freedom Mortgage is attempting to extort me out of XXXX dollars to pay a XXXX dollar home isurance. They want XXXX dollars for escrow and they want me to pay XXXX dollars over next year. I have 10 months left on a 5 year XXXX  XXXX bankruptcy. In that time, I have never missed a payment with Freedom. Yesterday, I received a letter from them informing me that they will foreclose on my property. 
I called and they told me that I should just disregard this. I will not do business with a company that has so llittle regard for their customers. When you call their customer service department, they promise to help with issues, but in fact they tell you what they think you want to hear. They are a predatory agency. Freedom mortgage is attempting to raise my mortgage from XXXX a month to XXXX monthly. 
I have never missed a payment and always have my payment there within the grace period. This company need to be punished to the greatest extent of the law.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar LN XXXX XXXX Palm XXXX XXXX XXXX, CA XXXX XXXX XXXX Nationstar and XXXX continue to use horrible pictures ( professional pictures were given to both Nationstar and their surrogate XXXX ) show open toilets. Nationstar and XXXX refuse to use the pictures they demanded that we provide. Instead, they are using photos that appear to have been taken by someone who was drunk. 

The property includes a solar lease that must be transferred to any buyer that wins a bid on this property. Nationstar and XXXX have been told this multiple times and have been sent a copy of the solar lease and REFUSE TO DISCLOSE THIS to potential bidders. 

This is the third time that Nationstar has run this through their fake auction system in a vain attempt to secure a XXXX % buyer 's premium. They want a buyer to pay $ XXXX. There has not been a comparable home that has sold for that price in the last 8 years. 

Nationstar is refusing to provide a copy of the BPO that supposedly supports their opening auction price. We have been told that their value changes on a daily basis, which makes us wonder they are getting this value. Even XXXX shows this home is only worth $ XXXX.
Consumer complaint received 2023-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX was supposed to remove negative charge offs from XXXX XXXX XXXX  for XXXX dollars and XXXX XXXX around XXXX XXXX and same with XXXX XXXX XXXX and XXXX so notified all 7 companies that since I have XXXX all seven know this this month me and niece lady is going to be trustee as a first party special needs trust under first party and state and federal she can instantly remove negative charge offs so XXXX XXXX failed so they must give back 4 payments each of XXXX each and XXXX to capital one and capital one must give it back to me immediately since they dont want to this unattiontly is causing financial abuse to a XXXX which is now criminal instead of civil so can you point out the laws to all 7 companies and save my trustee headaches so future she can deal with future problems but she has no problem dealing with old problems with me because of XXXX trustee job is a 24 hour job instead a normal day so can these 7 companies help her resolve it so she can have a normal day otherwise they find out the hard way what the law authorized her legally what she can do and the companies will automatically lose and they cant appeal at all
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The records I'm disputing, which stem from this identity theft nightmare, have no basis in reality. They don't correspond to any transactions I've authorized or any legitimate financial activities. It is beyond frustrating that my previous attempts to resolve this matter have fallen on deaf ears. Enough is enough. This is not a mere inconvenience ; it's a blatant violation of my rights and a severe detriment to my financial standing. I demand, in no uncertain terms, that you promptly take action to obliterate any information in my credit report that originated from this heinous act of fraud. The urgency of this situation can not be overstated. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One has placed a restriction on my account. Each time I call their customer service team, they prevent me from speaking to the right team by lying and refusing to transfer me. I just want this account closed. Capital One placed a restriction on my account and refuse to communicate with me.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NJ)

HIS IS AN ADDENDUM TO THE PREVIOUS SENT FEED BACK FOR THE CLOSE COMPLAINT # XXXX This response to the now CLOSED complaint feedback is necessary due to the fact that there are many discrepancies in the chain of events claimed within the COMPANY 'S RESPONSE and attachments submitted. I am asking the CFBP to reopen this claim due to the reasons stated herein and the NEWLY SUBMITTED ATTACHMENTS submitted with this complaint/addendum and feedback. For the record, I was never sent a copy of said adjudication by the Superior Court Judg assigned to this case, nor was I sent any documentation by the Plaintiff in this case. This court has made an error in stating that this motion was unopposed. See attachment of my rebuttal motion filed with the court on XX/XX/2023. This is an unjust ruling and i demand evidence and proof of mailing that any documents of a ruling was sent to me pertaining to this ruling by plaintiff as stated in the ruling and by law. There was an arbitration clause between plaintiff and XXXX XXXX which should have led to an immediate dismissal of plaintiff 's claims. For the record I DO NOT have a signed contract and agreement with with said Plaintiff. My due rights process and rights to appeal this decision was denied to me by the court clerk on said date not filing all of my paperwork as well as offering me legal advice by stating that i " did not need to file all of that paperwork '' and not sending me ANY documentation of these proceedings and subsequent final ruling in order for me to appeal any such ruling I will be issuing a new complaint in relation to this response and uploading the documentation as proof of my claims stated herein. This court is currently committing securities fraud and the Plaintiff and its attorney are acting in concert in committing such fraud. The upload will be marked as stated " XXXX XXXX
Consumer complaint received 2023-12-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased a phone case from XXXX in XXXX XXXX ( {$33.00} ). Immediately after/within three hours, I became aware of questionable practices of XXXX. I attempted to cancel the order, XXXX refused ( stated unable to stop shipment ). I filed a complaint with Bank of America. I never received case from XXXX. Bank of America refused to credit account because XXXX provided proof of shipment. I advised Bank of America that I never received the case and if I had it was my intentions to return, which was allowed - I had to show the return policy too. I filed a claim with Bank of America for item not received, Bank of America disregarded my complaint. Today, I noticed that the {$33.00} was placed back on my account on XXXX I am requesting assistance from CFPB with Bank of America forcing me to pay for a case I never received. The bank 's current practice does not protect me the customer. XXXX has questionable practices and poor business practices ( XXXX  ), which did not matter at all to the bank. I have an $ XXXX balance and I filed a claim for {$33.00}, an item I never received and the bank did not even respond to my claim, which they have a duty to provide the customer protection. Please help.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This collection agency is not licensed and bonded to collect from me in the state of OHIO Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

in XXXX XXXX XXXX I filed a claimed with Chime ( CLAIM ID # XXXX ) because a purchase of {$3400.00} was made with Debit Card that I didn't make or authorized. Not only was I not giving a procredit of my funds during the investigation, but my claimed denied, account closed without any explanation, also the {$2200.00} that i had in my savings accounts were taking as well and never giving to me. I were also told by one of the there customer service agent that my account wouldn't be closed and that it was a mistake but then given different answers and told by other agents it would be closed so I was never sure about what to ever believe. So as i awaited a answer, my account was closed and all my money kept and was unable to pay any of my bills and had no bank account to deposit my employment checks into. Also my Credit Report was negatively effected due to the fact I had a Chime Credit Builder Account and that was closed as well.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (UT)

When student loan repayments were going to start resuming I got in touch with my new servicer, AidVantage. I set up my account and set up autopay. I was receiving regular communication from AidVantage about my account and payments restarting so I didn't have any worries. I logged in and set up autopayment for my loan and didn't worry about it. 

I started to get emails from AidVantage saying that my payment was past due. I logged in to the system and made a manual payment and checked to make sure that autopay was on. It was. I continued to get emails saying that my payment was past due and I would log in, make a payment and check autopay. 

When I look at my payment history it shows that every single payment that I have made has been reversed. I deleted autopay and re-set it up to make sure that my banking information was correct. I have set up autopay from two different checking accounts. I have also made manual payments from these accounts. 

Each time that I have made payments I get a confirmation email saying that AidVantage has received my payment. I have saved these emails. And then a couple of days later I get an email saying that I have a past-due payment. I have made payments on the following dates : XX/XX/, XX/XX/, XXXX, XX/XX/. All of them have been reversed. 

I am just trying to make my payments! I emailed AidVantage 's customer service email and have not received an email back. I have also tried calling and wait forever without anyone answering. They don't call back when I leave my call back number in their wait line.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Please remove the following hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 
Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian failed to investigate my disputes, they did not accept my documentation and will not let me dispute things that's already been disputed. This has negatively impacted my credit score, my job screenings, and my housing options.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent letters to EXPERIAN, XXXX and XXXX regarding the incorrect information on my credit report. There are accounts that are reporting 100 % inaccurate. I never received a response or resolution with any of the credit bureau regarding this matter. I will attached the letter to this complaint. More so they didn't follow the proper XXXX step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

When filing my taxes before XX/XX/XXXX and reviewing my income and expenses in the Regions bank statements for the year XXXX, I realized that in the month of XXXX and the first days of XXXX the amount of {$9300.00} has been withdrawn from me in three electronic withdrawals. 
Under the statement XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4100.00} At that time, I was diagnosed with XXXX, and I am still XXXX XXXX so I neglected myself. You have your money in a Bank to be banked and taken care of as a basic principle. 

I submitted a claim to the bank, which I attach, and I also attach their response and another letter from the bank indicating the number of the outgoing transactions and with which they entered the unit that took the money. 

There is no doubt that this has been carried out within the bank or in the offices of the city of XXXX, a third alternative, a hacker, which would leave something to be desired regarding bank controls. 

I Also have been at the office of the XXXX XXXX tax collection where they indicated that they didnt did those charges, and they dont withdraw directly. 
Also, I put a claim at the police office of the XXXX XXXX XXXX