davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc. (GA)

In the month of XXXX I made several attempts to contact the company to request an application due to being in financial hardship. It took me weeks to get over to a live person. I had to reach out to their XXXX page and complain in order to have someone respond to me. This company continuously scheduled callbacks without my consent only for the automated callbacks to hang up and never transfer me to a live agent. I received an automatic email confirmation on XX/XX/year> that the company received my application for mortgage assistance ( the application was submitted in the month of XXXX ). I finally received another automated email a month and several weeks later on XX/XX/year> informing me that someone would be reaching out to me to inform me on the steps that were needed going forward. In between this time frame, i repeatedly called this company for assistance and got the run around or experienced excuses and call avoidance. I finally got a hold of a rep and was informed when my forbearance was approved not only would there not be any late fees but it would also be back dated due to the amount of months that it took me to get assistance. My application was submitted in XXXX and was not approved until 3 months later. Not only did this company not back date the forebearance but they were also provided inaccurate and misleading information when i was informed that there would not be any late reportings during the forebearance. 

This company has also issued inaccurate NSF fees on my account, and only removed some of the fees even after being provided proof that the funds were available on the dates that the funds tried to be deducted.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MA)

I began my " journey '' with Mr. Cooper on XX/XX/2023. 

My mortgage payment was reject multiple times, so I called them to figure out what was going on. At one point ( I believe it was a Thursday ) Mr. Cooper had three mortgage payments from me ( approximately {$7500.00} ). After multiple hours on the phone with them and my bank, two of them were returned. 

Before the hack of their system, my account stated that my XXXX mortgage payment had been made and that there was approximately {$2400.00} listed as " Unapplied Funds. '' Again, I messaged Mr. Cooper and also tried phone calls. On the last call from them I was told that the money would be refunded to me, as my bank, XXXX, confirmed the transfer went through. They even had me send a voided check to prove my bank information via email. 

Today their system is back up. Now it is indicating that I did not pay my XXXX mortgage. However, once again they returned that amount to me. In addition, there are still current funds in " Unapplied Funds. '' I want that to be applied to my mortgage, but the message and phone system are still down. 

I am extremely concerned about late fees from the payment they returned, interest, and making an upcoming payment. 

Thanks for your help.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I received notice from XXXX debt collection for a XXXX XXXX Credit Card. I asked on several occasions for proof showing that I opened this account, since XXXX stated it was opened XX/XX/XXXX with First National Bank of Omaha. FNBO, stated last payment was received XX/XX/XXXX and charged off the account on XX/XX/XXXX. NOTE : Statute of Limitations started in the month of XX/XX/XXXX, when payment wasn't supposedly received. I called FNBO to request a copy of the original written contract, to prove this was my account. FNBO stated they had no record. FNBO sold the account to XXXX XXXX XXXX XXXX. XXXX on or about XX/XX/XXXX, and on that same date XXXX assigned it to XXXX. My complaint is if the account was in the hands of FNBO until XX/XX/XXXX why am I unable to get a copy of the written contract. XXXX have supplied me with bills, but in this day and age anything can be forged. Especially with my information being compromised through the XXXXXXXX XXXX XXXX XXXX on several occasions, and most recently Great Expressions. I did have a XXXXXXXX XXXX account around XXXX and it went in charge off status not long after. My request is for XXXX or FNBO to provide me with a copy of the original contract.to prove this is my account.
Consumer complaint received 2019-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I would like file a formal complaint against Flagstar banking mortgage loan department. I submitted my application to request a modification on my home loan due to a recent divorce causing me financial hardship. I uploaded all the required documents to the MY LOANS online portal on beginning XX/XX/XXXX and sending in my last documents on XX/XX/XXXX. I received approval and a trial payment agreement that I signed and uploaded to XX/XX/XXXX before the deadline of XX/XX/XXXX. The trial payments began on XX/XX/XXXX and I made all 4 monthly payments with the final payment paid on XX/XX/XXXX on time. I began receiving collection phone calls in late XX/XX/XXXX and over 10 letters some certified mail saying that I owed over 5,000 dollars. I called the first time and was told that was just due to the home modification process. I received a notice early XX/XX/XXXX that my credit score dropped 100 points and I called back in, this is when I was told my modification had been cancelled on XX/XX/XXXX due to my trial agreement paperwork not being returned. I notified the phone agent XXXX   that I had in fact uploaded the paperwork XX/XX/XXXX and she called me back to inform me that my case would be reopened and I would receive final modification paperwork within 15 days. I never received the paperwork and over the course of XX/XX/XXXX I spoke with XXXX twice, XXXX twice who promised to call me back both times and never did, XXXX who gave me unsolicited and incorrect loan counselling advice, and a few other people who did not help. I had been told 3 times that my case was reopened and with underwriting once by XXXX and twice by XXXX before XX/XX/XXXX when I demanded to speak to a supervisor. The supervisor XXXX  spoke with me on XX/XX/XXXX and told me that my case had not been reopened and that the ball has been dropped and my case was still closed meaning my credit was being falsely damaged due to this companiys negligence. I feel that this is some type of ploy to get me to fall delinquent on my loan so Flagstar can foreclose and take possession of my home or possibly an attempt to cause me to owe more than the 1 month pass due balance of XXXX   because the current amount I owe is XXXX because of my case being closed in error putting me 2 additional months behind. I finally received my final modification documents XX/XX/XXXX and the capitalized amount is XXXX which is incorrect because my modification was cancelled back in XX/XX/XXXX due to Flagstars error. I am currently seeking legal advice and I have reached out on online forums to see if any other Flagstar customers have experienced this type of issue. The treatment I have received since my mortgage was transferred to Flagstar is unacceptable and unethical and the ball has been dropped will not suffice as an explanation.
Consumer complaint received 2024-07-02
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: Affirm Holdings, Inc (PA)

I am writing to request the immediate removal of these accounts from my credit file. I have been a victim an Identity Theft and I did not authorize anything pertained in this documented file. To correct my file i request that these items be deleted immediately. I have already reported this to the FTC and I'm enclosing documents of their affidavit. Take prompt action if you don't you will be breaking the law. 15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in this file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of the receipt. Please delete these items immediately!
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Last year in XXXX of 2023, an online scammer got hold of my XXXX and Capital One XXXX  account and used my accounts to do questionable transactions. I got in contact with the scammer and told him to stop as this was not his account but the transactions continued. On XX/XX/XXXX, Capital One restricted my account to prevent any fraud, so I called the customer service number to try to resolve the issue. Unfortunately, the customer service representative was no help to my situation because I was not allowed to explain my problem to the representative and did not even consider listening to my issues. I asked to be transferred to another representative who could help me but the other representative refused to help as well and decided to permanently restrict my Capital One 360 account. I was told that they would investigate and contact me again to reconsider but I never received a call back from Capital One and I never got my account opened again. The customer service was very subpar and were not helpful.
Consumer complaint received 2024-07-02
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: MoneyLion Inc. (PA)

I am writing to request the immediate removal of these accounts from my credit file. I have been a victim an Identity Theft and I did not authorize anything pertained in this documented file. To correct my file i request that these items be deleted immediately. I have already reported this to the FTC and I'm enclosing documents of their affidavit. Take prompt action if you don't you will be breaking the law. 15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in this file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of the receipt. Please delete these items immediately!
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Chase closed my mothers account and now is holding her fema check. chase states they need verification from treasury department in which we have called fema us treasury and finally were give a number where they can verify in which chase states they called but no verification. i dont get why we are having so much trouble with my mothers fema check when there are real scammers out there and dont get asked all of this. 
Check was given to my parents for damages to their house from recent XXXX texas storm we have not been able to fix it to make it livable for them with all of this. Been trying to have this resolved since last week one day was about 12 hours back and forth with fema chase treasury. Today it has been 6 hours and same thing back and forth with chase fema treasury and state of texas.
Consumer complaint received 2024-07-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (FL)

Vehicle balance of loan in XX/XX/XXXX was approximately {$33000.00}. 
Total loss on XX/XX/XXXX. I signed title over to my insurance company, XXXX, they took the car and my tag, and they paid Santander {$24.00}, XXXX on XX/XX/XXXX, leaving a XXXX of {$14.00}, XXXX. Santander has continuously sent me billing statements every month demanding payment. XXXX XXXX from XXXX Direct- the XXXX claims adjuster- harassed me via email for the same information over and over again until I sent her a Cease and Desist-after sending her all of the information she requested. Per the attached XXXX  claim form, I am not the party responsible for sending her any documents- but I learned this after I researched. She still received all documents so there's still no excuse for non-payment. Information she needed was her responsibility to get from the lienholder, insurance company and dealer. Santander, the lienholder, also will not respond to me via XXXX or the XXXX XXXX XXXX. The GAP product is a debt canceling product and I should not be receiving statements from Santander for the balance or seeing that balance still being reported on my credit file 7 months AFTER my insurance carrieXXXX has declared the vehicle a total loss, took possession of the vehicle by title I signed over and paid Santander 75 % of the balance as of the date of loss. Santander will not explain why they are still sending me billing statements demanding money 7 months later, for a balance I know XXXX has paid. In XXXX of XXXX, the Santander statement shows even more they received -almost {$4000.00}, was applied, but Santander is putting it towards interest so the statement balance is inflated- skimming interest from money it has received to cancel the debt 7 months ago by continuing to send me statements so it can charge interest every month. XXXX XXXX from XXXX XXXX XXXX, the XXXX insurance company Santander uses, is also actively involved in this " unconscionable scheme '' to defraud me of money by skimming- getting it via interest by holding onto the balance, keeping the account open. XXXX was sending me duplicate email requests through a private email server to deflect my attention away from the real issue, until I sent her a " XXXX and XXXX. '' That is general harassment to request a consumer keep sending the same information over and over again that you know you received from them already. I was charged {$990.00} for the XXXX product. If it was worth " nothing '' then Santander should immediately refund me my {$990.00}.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (CO)

Servis One inc improperly and inaccurately reporting late payment information to my credit bureau, violating RESPA and resulting in damages. I am filing a lawsuit against them. I encourage all others who have had this happen to them to do the same. If they have done something similar to you please contact me.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (PA)

I am writing to express my dissatisfaction with the inconsistencies on my credit report that have not been resolved despite submitting dispute letters.

I have identified several items on my credit report that are inaccurate and have submitted dispute letters to the three credit bureaus in order to have them corrected or removed. While some of the items were successfully deleted from certain credit bureaus, they have not been removed from all three. 

The item ( s ) in question are shown in images below. Ive also attached a copy of the deletions form two of the credit bureaus.

According to the FCRA " Section 611 of the FCRA ( 15 U.S. Code 1681i ) addresses the procedures for disputing inaccuracies on your credit report. It states that if you believe that any information on your credit report is inaccurate, you have the right to notify the consumer reporting agency ( CRA ) in writing of the disputed information. The CRA must then investigate the dispute and, if necessary, correct or delete any inaccurate information within 30 days of receiving your dispute I am requesting that the CFRB investigate this matter further and ensure that all inaccuracies on my credit report are corrected.

I appreciate your prompt attention to this matter and look forward to a resolution. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Dear XXXX, **Complaint Regarding Credit Denial** I am writing to formally dispute the denial of my credit application, which I received from Best Buy Credit Services XXXX XX/XX/year> XXXX This decision has caused me significant inconvenience, and I believe it XXXX involve errors or inaccuracies in my credit report or a misapplication of consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to specific reasons for the denial of my application and the information used in making this decision. I am also entitled to receive the name, address, and telephone number of the credit reporting agency that provided the report. Furthermore, the Equal Credit Opportunity Act ( XXXX ) ensures that I am not discriminated against based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. 
I request that you provide : 1. A detailed explanation of the reasons for my credit denial.

2. The specific information upon which this decision was based.

3. Confirmation of whether the denial was influenced by any adverse information in my credit report, and if so, identification of the credit reporting agency that supplied this information.

If I do not receive a satisfactory response, I intend to pursue this matter to the fullest extent of the law to ensure my rights are upheld. I trust that you will handle this complaint with the seriousness it deserves and provide a prompt resolution.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (WI)

Yesterday I received an email and text message that an account for chime has been created. Today I received an email that a card would be sent to my address following this email. I called chime and canceled the account that was fraudulently opened.
Consumer complaint received 2024-07-06
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: U.S. BANCORP (MA)

I need help with a dispute with concert tickets Im trying to dispute concert tickets and my credit card company sent me a letter with this Please provide a written letter of support from a merchant providing the same type of service, on their letterhead, dated and signed, supporting your claim that the service was of poor quality..The letter should concur with the dollar amount you are disputing. How the XXXX am I suppose to get another ticket company to write me a letter of support if they all have the same rules most likely? I tried to email all different ticket services and they were all bot responses. So I dont know what to do. Just for reference I went to a XXXX XXXX XXXX concert the concert was scheduled for 3 hours but due to unforeseen circumstances it lasted 40 minutes while I waited drenched in sweat by the heat. I disputed these tickets under not satisfied by service. However my credit card company said I must get a letter from a different merchant in my favor which is virtually impossible.

The event was advertised as a three-hour performance starting at XXXX XXXX. However, due to a delay announced by the event organizers, XXXX XXXX XXXX did not take the stage until XXXX XXXX, resulting in a significantly shortened performance lasting only 40 minutes, ending at XXXX XXXX. 
While I understand that delays can occur due to unforeseen weather conditions, it is my contention that if the show had started at its scheduled time of XXXX XXXX, XXXX XXXX XXXX would have been able to perform for at least two hours before the thunderstorm. Instead, the delay of three hours caused significant inconvenience and discomfort, as I had to wait in hot and humid conditions with no clear communication from the event organizers about the length of the delay. 
As a paying customer, I feel that I did not receive the service that was advertised and paid for. The tickets were explicitly purchased for a three-hour show, not a three-hour delay followed by a brief 40-minute performance. This significant deviation from the expected service constitutes a failure to deliver the product as advertised.

In light of the above circumstances, I requested a full refund of {$440.00} to be credited back to my account.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AK)

I went to wells fargo on XX/XX/year> to make a domestic wire transfer of {$50000.00} to a XXXX XXXX XXXX account. I was given a print out of the transaction and told it would be sent out on Tuesday after the holiday. After a few weeks the money did not show up in the XXXX account. I asked about tracking and was given an XXXX  number. After a few more weeks the XXXX account holder said they found the money but returned it since wells fargo asked for it. It has been over a month and neither bank can find the money. XXXX says it was returned and should be back by now. WF says nothing has arrived. Where has the {$50000.00} gone? I can provide XXXX and other account info upon request.