davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (HI)

XXXX XXXX, XXXX Statement Date from Rocket Mortgage claimed that my mortgage payment was going to increase even though I have a special tax exemption from the County. 
- Even though the refund to Rocket Mortgage from the county XXXX XXXX tax payment was {$4000.00}, they only refunded me {$1100.00}. 
- When I called to tell them that I have a special tax exemption from the National Disaster declared FEMA program, and sent them the documentation via e-mail they refused to reassess my escrow account. The documentation I provided was the following : 1. the Amended tax assessment 2. the letter from the county stating my exemption through XXXX 3. the revised tax bill showing {$0.00} taxes due and the refund amount sent to Rocket Mortgage. 
The only way they would not increase my monthly mortgage to a higher tax amount, ( which was not accurate ), and send me the tax refund from XXXX XXXX due to the wildfire/FEMA, was if I removed the taxes from escrow, which I agreed to on the phone on XX/XX/XXXX. They said they have to keep the refund and the higher tax collected monthly and apply it to XXXX taxes, instead of adjusting the escrow account per the documentation. They came up with their own reason to increase what they wanted to collect and refused to refund me the tax refund from XXXX XXXX they were paid and sent. I feel like they were bullying me and I know there are supposed to be escrow account laws in place now that help the consumer not be bullied into overpaying them. 
Thank you for your help with this matter.
Consumer complaint received 2024-08-05
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

Consumer Financial Protection Bureau, My complaints about JCPENNY & Synchorny was not resolved by your office. I needed to receive confirmation I have the correct address, phone, and professional to contact to make sure I do not communicate to them on a scam caller ID, incorrect addresses. I did not receive any response about scam on the caller ID. 

I received a letter from JC Penneys credit card that shows a payment was reverse today that shows XX/XX/year>. I never attempted to pay Synchorny & JC Penneys because The state of Indiana Consumer Complaint Office referred me to the Consumer Financial Protection Bureau and it was not clear if the contact information was fraud, scams. 

Will you please send me confirmation of how to make sure I am not contacting fraud or a scam when I contact? 

Will you ask them to send me confirmation through the Consumer Financial Protection Bureau in writing if it is alright to walk in to pay the bill at the local JCPENNYs after my complaints history? 

The letter shows the account number ending is XXXX. My receipt shows the account number is XXXX I could pay the balance after I receive confirmation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (OR)

I was at US Bank branch and the young boy employee was unprofessional, misleading, discriminatory, etc.. 
I will report the branch discrimination and unprofessional act. I dont have a US Bank account, I was depositing my rent to the landlords account, as I did before. The discrimination, misleading, etc happened, because I am not a native XXXX speaker and they smiled at me. I have a witness. 

XXXX XXXX XXXX XXXX US Bank discriminating. I was deposited XXXX cash, the bank employee asked my occupation, my social, my employment, etc.. They said I can not deposit the XXXX  cash if I do not provide the answers for they questions. They needed all of this extra data beside my XXXX  ID. According to the US Bank, it is a Federal Regulations they need for all of the data listed above. In addition, the bank employee stated that, it is also a federal regulation i can deposit only XXXX cash. It is not possible to deposit more than XXXX cash, because it is a federal regulation. I asked for the manager, he wasnt available. The other US Bank XXXX minutes later ( and other US Banks before XXXX  ) didnt asked for my social, employment, etc.. 
That XXXX XXXX US Bank is the worst and discriminating bank in the XXXX, according to me and others
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In Accordance with the FAIR reporting Credit Act, The List of accounts below have violated my FEDERALLY PROTECTED CONSUMER Rights, To privacy and confidentiality under 15 USC 1681 ACCOUNT NAME : ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account NAME : ( XXXX XXXX Account # XXXX Account NAME : ( XXXX XXXX XXXX ACCOUNT # XXXX ALSO 15 USC 1681 section 602 A states I have the right to privacy Also 15 USC 1681/1681 section 604 A/section 2..States also a consumer reporting agency can not furnish a account without my instructions..

Also 15 USC 1681 CA5 section states no consumer report agency make any consumer report containing any of the following items of information other then records of Conviction of crimes which in to date report more than 5 to 7 years..

Also 15 USC 1681 S2A1 a person may not furnish any information related to any consumer reporting agency if the person knows or have any reason or cause to believe that the information is in accurate ( Delete IMMEDIATELY ) Sincerely XXXX XXXX P.S MY MOTHER JUST PASSED AWAY... 
IM ON A FIRST TIME Home BUYER PROGRAM, I HAVE XXXX GRANDKIDS, MY LIFE IS ON HOLD..
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo has collected the following mortgage payments AFTER they ( Wells Fargo ) placed my home into default and subsequently Foreclosure.

Wells Fargo has not accounted for these mortgage payments nor have they applied these payments to my mortgage. 
XX/XX/XXXX {$980.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$98.00} XX/XX/XXXX Check XXXX {$84.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$1000.00} XX/XX/XXXX Check XXXX {$1100.00} XX/XX/XXXX Check XXXX {$830.00} XX/XX/XXXX Check XXXX {$1100.00} XX/XX/XXXX Check XXXX {$830.00} XX/XX/XXXX Check XXXX {$1200.00} XX/XX/XXXX Check XXXX {$830.00} XX/XX/XXXX Check XXXX {$750.00} XX/XX/XXXX Check XXXX {$250.00}
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (NY)

My name is XXXX XXXX, I have a chime account that I use as my regular bank and I continue to get unauthorized transactions on my debit cards, I continue to dispute these different transactions but they continue to happen, the most recent transactions are from XXXX XXXX, I don't use XXXX XXXX, I did lose my XXXX and that's when I started to see the charges, I'm a XXXX XXXX  and I need my funds back into my chime account to live off of for the next month.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

For the past two months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much stress in life already and these inaccuracies are adding up to that- worsening my mental health.
Consumer complaint received 2016-09-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar Mortgage has repeatedly given me the same point of contact who never returns calls who is XXXX XXXX. I have yet to be able to speak to him regarding my Hamp 1 offer. Also, they have ingnored my right to appeal and meanwhile I am accruing interest on the loan I can not afford at 10. 5 percent interest only. I want to keep my home of 20 years as primary residence but they continuously make a ridiculous payment offer for me that exceeds XXXX percent debt ration. I am requesting a lower interest rate than 3.5 percent and a 40 year fixed payment including escrow on the loan amount of XXXX and waive the XXXX in interest while they have intentionally denied my requests to get payment below 600 month and waive the interest. In addition, they refuse to send my refund check out to me for excess escrow in 2010 of almost XXXX dollars. I get the run a round every time I ask for it. They have incorrectly calculated my debt as I told them due to medical reasons I got behind and that I am not paying any debt on the credit report but they refuse to manually underwrite the loan as I request and keep trying to qualify me on the automatic payment of XXXX which my income is less than XXXX per month. I am requesting them to lower the interest rate to 2 percent and recalculate my modification offer to get the payment lower as the insurance lowered to half that but yet they did not recalculate the payment offer. 
My loan number is XXXX. I feel they are intentionally making it difficult to keep my home. Please assist me in my modification process, returning my escrow to me they should not be keeping as it is overage, and reducing the accrued XXXX in interest while they intentionally make it difficult to get the Hamp 1 modification. Also, in requesting a new loan single point of contact as I feel I am being discriminated against because of my age and race. This is a interest only ARM and I was not explained how that loan is calculated by anyone when I received the loan approval. Thank you,
Consumer complaint received 2024-09-05
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: RC Willey (UT)

RC Wiley was offering a XXXX no interest during the XXXX Sale in 2024. The purchase I made didn't equal the required amount so I added on to the purchase totalling over the {$3000.00} minimum purchase. I WAS TOLD they were two different orders PURCHASED at the same time on the same day. I was told this did qualify for the promotion no interest promotion for XXXX. My first bill came in XXXX and I didn't notice the terms until the following month. I called and was told that they can not fix it now. This is misleading, unfair business practices. The only reason I added onto my order was to get the promotional terms I was promised.
Consumer complaint received 2024-07-23
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: AMERICAN EXPRESS COMPANY (FL)

I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for 4 years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. 
I reached out to American Express. They DO NOT SHOW THIS ACCOUNT REPORTING IN MY NAME OR SOCIAL. They refer me back to XXXX. And once again I am getting the run around and victimized by the credit bureau and the creditor repeatedly. 

So, if American Express says " they are reporting this account under the correct persons name and info NOT mine '' so why is XXXX refusing to remove this. I am caught in a trap of ignorance at XXXX and blatant refusal to remove an account that is clearly NOT suppose to be reporting in my name.
Consumer complaint received 2024-04-18
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my hand written instructions.
Consumer complaint received 2024-07-20
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: SOFI TECHNOLOGIES, INC. (WV)

I am writing to formally dispute the resolution of my claim regarding the unauthorized transactions on my SoFi credit card account ( Case ID : XXXX ). Despite providing clear evidence and promptly reporting the fraudulent activities, my claim was denied. This letter aims to reiterate my situation, request specific information, and urge you to reopen and reconsider my case. 

Summary of the Case : Timeline of Events : XX/XX/year> : Last valid transaction. 
XX/XX/year> - XX/XX/year> : Suspected fraudulent activity period. 
XX/XX/year> : I requested to change my phone number from XXXX to XXXX. 
XX/XX/year> : Fraudulent transactions detected, reported, and dispute initiated. 
XX/XX/year> : Received SoFis letter dated XX/XX/year> regarding the investigation. 
XX/XX/year> : Received a letter dated XX/XX/year> stating the investigation concluded no error occurred. 

Fraudulent Transactions : The transactions between XX/XX/year> and XX/XX/year> are fraudulent and should have been flagged and removed. 
These include, but are not limited to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total disputed amount : {$3900.00} ( excluding the XXXX XXXX and XXXX transactions ). 

Additional Information : Discrepancy in Alerts : On XX/XX/year>, I received text messages regarding fraudulent charges and confirmed they were unauthorized. SoFi claims eight alerts were sent, but I only received six for the same charge of {$530.00} to XXXX. If I denied the charges, why were they processed? 

XXXX  Transactions : - I have dealt with XXXX before, but never for amounts like the {$530.00} charge on XX/XX/year>. Valid transactions before XX/XX/year> were under {$5.00}. I did not use XXXX after XX/XX/year>. 

Incorrect Inclusion of Valid Transactions : - Transactions before XX/XX/year> are valid and should not have been included in the fraudulent charges. Please refer to my original call for accurate details. 

Delayed Notification : - I did not receive the letter sent on XX/XX/year> until XX/XX/year>, giving me little time to respond. SoFis decision on XX/XX/year> to deny my claim was made without allowing adequate time for my response. 

Immediate Response to Denial : - I emailed SoFi on XX/XX/year> with the requested information as soon as possible. These emails are timestamped ( see attached screenshots ). 

Inconsistent Fraudulent Case Details : - Transactions from XXXX XXXX and XXXX before XX/XX/year> should not have been included in the fraudulent case. This was communicated during my initial call with SoFi.
Consumer complaint received 2024-08-12
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: AMERICAN EXPRESS COMPANY (FL)

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : American Express under the Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX under Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX Acct # XXXX opened on XX/XX/XXXX, XXXXXXXX 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 opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I used the bill pay service, which I have been doing for the last few years, to pay my real estate taxes. I completed the transaction as I have in the past at least five days prior to the deadline for the funds to arrive. I made my transaction on XX/XX/year>, online with the bill pay option. Usually when I make these payments they seem like they are being done as electronic transfers and go through the next day. I still made my arrangements five days in advance since I noticed last time I made a tax payment this way it did take a little longer, but really, as long as I am doing my part a week in advance, it shouldn't matter anyway. But this time it did. The bank asked if delivery on XX/XX/XXXX was fine and since everyone knows delivery date is not what matters, I was fine with that. Last Wednesday I received a letter from the XXXX XXXX XXXX Tax collector saying I owe {$75.00} more because my check was dated XX/XX/XXXX. I called the bank and received nothing but scripted answers, no one wanted to help and I was continually being placed on extended holds. After an hour I finally was told I would be getting a call back from the supervisor of the " manager '' I was speaking to. I was told it would be one to two business days and I am still waiting. In the meantime, I called the county to see if I could take care of this small date issue with them. I received the same treatment from them : multiple extended holds and in the end a promise of a return phone call from a supervisor. I have not gotten a call. I was told by XXXX at the XXXX XXXX XXXX Tax Collector 's office that before they were doing direct deposit but now they were actually writing checks out, this is impossible my check was written and delivered on the same day so something really fishy is going on and I do not owe them any more money. This is an ongoing problem with the customer service of big corporations in this country. Consumers are getting screwed and nickled and dimed by these companies constantly and no one is helping us. They are stealing money from consumers every day and nothing is being done about it. They have enough money do they really need to steal? And why is this being allowed to happen? Why is noone enforcing this?
Consumer complaint received 2016-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

This complaint is against Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. On XX/XX/XXXX, I received a letter from them indicating that my escrow account had more money than needed, They enclosed a refund check and lowered my monthly payment from {$1800.00} to {$1400.00} starting XX/XX/XXXX. I paid the lower amount monthly until XX/XX/XXXX. On XX/XX/XXXX I received a notice dated XX/XX/XXXX from the City of XXXX, NY that the mortgage company had not paid my property taxes of {$2800.00} plus a late charge of {$84.00}. I notified Nationstar and was told that I did not have an escrow account, however, after checking they sent me a letter dated XX/XX/XXXX that confirmed that my account should be escrowed. On my XX/XX/XXXX statement they kept the payment of {$1400.00} the same and indicated that if I made additional escrow payments that they would not raise the payment amount so I sent them a payment of {$2900.00} which included an additional {$1500.00} in escrow. In XX/XX/XXXX I sent them {$1500.00} which included {$100.00} in additional escrow. On XX/XX/XXXX I received a notice that they had not received my XX/XX/XXXX payment so I recovered my cancalled check from my bank which indicated that the bank paid the XX/XX/XXXX mortgage payment on XX/XX/XXXX. I notified Nationstar and they said that they mistakenly posted the entire amount to my escrow account and charged me a {$24.00} late charge which they have not recinded. On my XX/XX/XXXX statement they raised my monthly payment to {$2000.00}, a {$620.00} increase in an attempt to correct their inability to service my escrow account properly. I paid the {$2000.00} leaving me with XXXX dollars left for a three week period. I have now received my XX/XX/XXXX statement where they again want a {$2000.00} payment. I am retired and on a fixed income so I do not have the ability to make any further payments in that amount. They have caused me an extreme financial hardship and have refused to lower the payments. Just as a matter of information my property taxes are {$2800.00} and school taxes are {$1300.00} for a total of {$4100.00}. The additional escrow of {$620.00} plus the {$200.00} escrow already built into the $ XXXXpayment amounts to {$820.00} monthly for a yearly total of {$9800.00} which is more than double the required escrow needed. Therefore, I am making no further mortgage payments until such time as Nationstar reduces the monthly payment amount. I am also considering legal action against Nationstar for damages incurred by their inability to properly service my account, also, they have sold my mortgage to XXXX XXXX who I have been in contact with. They advised me to contact you.