davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (SC)

As part of every monthly mortgage payment I make via the servicer 's web site, I always include an additional payment specifying that additional amount is to be applied towards principal curtailment. The payment confirmation that I receive, both on the servicer 's web site and in a confirmation email, properly reflects my payment choice and specification ( i.e. some component of the total payment is to be applied as principal curtailment ). However, when I check a few days after making said payments, the additional principal payment that in included has not been applied towards principal curtailment ; instead is appears on my account as " Posted Unapplied Funds. '' This has been happening for three months running. When I call the servicer, they tell me one month that they will " fix '' the issue by changing my account to a " hierarchy plan '' such that any additional payment automatically applies to principal ; the next month when I can they tell me they will " fix '' the issue by changing my account away from a " hierarchy plan '' such that any additional payment automatically applies to principal. The most recent example of this occurring was for a payment madeXX/XX/XXXX, where the confirmation email states : MONTHLY PAYMENT {$2000.00} ADDITIONAL PRINCIPAL {$1200.00} TOTAL PAYMENT {$3200.00} whereas the web site 's posted payments indicates the following : Unapplied Funds XX/XX/ {$1200.00} {$0.00} {$0.00} {$0.00} {$1200.00} {$340000.00} Monthly Payment XX/XX/ {$2000.00} {$710.00} {$930.00} {$390.00} {$0.00} {$340000.00} Note that what my payment confirmation indicates as the amount of XXXX for additional principal magically translates into " Unapplied Funds '' when the payment is processed. 

The same thing happened the prior month. I have attached payment confirmations for my XXXX andXX/XX/XXXX payments.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CREDIT BUREAUS FAILED TO UPDATE INFORMATION ON COLLECTIONS ACCOUNTS THAT SHOWS INCORRECT ON ALL 3 CREDIT BUREAUS, THE FOLLOWING ACCOUNTS HAS BEEN DISPUTED OVER 5 MONTHS AND STILL HAS NOT BEEN UPDATED XXXX, XXXX AND EQUIFAX ARE ILLEGALLY REPORTING INACCURATE AND FALSE INFORMATION.THIS ALLEGED COLLECTIONS ARE REPORTING OPEN WITH A PAST DUE BALANCE. THIS IS A VIOLATION OF REQUISITE OF XXXX XXXX COMPLIANT REPORTING STANDARDS IT'S BEEN MORE THAN 5 MONTHS AND THEY HAVE NOT DONE NOTHING AS FAR AS UPDATING THE STATUS OF THE COLLECTIONS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
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. (TX)

" Your agency is in violation! 
15 U.S.C 1681 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NY)

I was involved in an automobile accident XX/XX/2022 and became XXXX going through XXXX XXXX with XXXX XXXX XXXX with total loss of income. Had payment protection on all my credit card accountsXXXX 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  all have Credit Protection Plans and was triggered. All the listed credit bureaus were inform and failed to apply the protection as violation of Federal Trade Commission Act ( FTC Law ), Violation of Credit Protection Act, Truth in Bureaus reporting act, and violation of Federal truth in credit disclosure act. All lates and deragoratory informations be remove immediately as matter of Federal and State law. I am disputing all lates, charge off, and balances. Requesting a full refund for misrepresentation and breached of contract.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO (PR)

By the poor service received from this bank, today XX/XX/2021 I sended a order letter to close the account immediately, the bank dont want to close my account. Here I attach letter sended by email and fax to the bank.
Consumer complaint received 2024-02-14
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: AMERICAN EXPRESS COMPANY (NV)

XX/XX/2023 : I purchased from XXXX ( the company ) FOR {$110.00}. 
XX/XX/2023 : I contacted the company through live chat to inform them I received my order, the flowers ( goods ), requesting for a full refund on order XXXX. I sent them photo evidence of the goods. They offered a redelivery and a coupon. I ended the conversation. 
XX/XX/2023 : I contacted the company again, hoping for a different answer. This time I indicated I was not interested in a redelivery because the occasion has passed. I was only interested in a full refund. They returned with a 50 % credit and a coupon. Again, I was only interested in a full refund, so I did not take their offer. 
XX/XX/2023 : I filed a dispute with my credit card, American Express ( the credit card ), in hopes of getting a full refund. Reference Number : XXXX. The credit card issued a provisional credit of {$110.00} while they investigated. 
XX/XX/2023 : The credit card rebilled my account and issued a letter to me. In the letter, the credit card said " the merchant [ ... ] provided documentation indicating, if product delivered was defective, it could've been denied the delivery or returned it, however no such action was taken and item was not returned. '' Flowers are perishable goods that were delivered in a cardboard box. I can not see into the box without opening it, thus, there's no way for me to return delivery. Additionally, the company did not offer to have me return the perishable goods nor agree with the full refund though their website and the product page indicated " Satisfaction Guaranteed ''. I was not satisfied. 

I have made XXXX attempts to resolve the issue with the merchant, XXXX. They were contacted via live chat, as provided with the opening of the dispute, on XX/XX/2023 XXXX hours and again at XXXX hours. In both occasions, the representative of the merchant did not request for the return of the flowers and instead, offered a re-delivery along with coupons. Additionally, nowhere on their website or live chat showed an address to return the flowers. Since the merchant has made no requirement nor expectation on the return of the flowers with their absence of a return address in any form of communication, it is a moot argument to be used to re-bill the transaction. 

The recipient of the flowers can not refuse delivery of the flowers because they are a perishable item and the box has already been opened. XXXX does not allow deliveries to be refused if they are opened. Since the flowers were packaged in a cardboard box, there is no way for the recipient of the flowers to know the quality without opening it. 

The merchant has not made good faith in upholding their promise of fresh flowers or their 100 % Smile Guarantee. Because of that, I implore you to reverse the charges on my account since they do not have a viable argument and have not kept their promises.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

XX/XX/XXXX we received a letter stating that our mortgage loan of several years from XXXX  had been sold to a company by the name of Mr Cooper. We continued to have our payment of {$450.00} taken out of our checking account by-weekly. Suddenly when the payment came out automatically on XX/XX/XXXXthe amount had increased to {$600.00}.

On XX/XX/XXXX I contacted Mr Cooper at XXXX. I spoke with a supervisor in there Ohio location. She explained that I was being charged more money due to the fact that I had no home owners insurance. At this point I told this person that I have never NOT had home owners insurance, that this payment also comes out automatically every month. She then stated that Mr Cooper had faxed over 4 separate letters to my insurance company XXXX XXXX  and that XXXX XXXX had not responded. I said, then why would you not contact the homeowner, she said because we do not have to do that by law. So at that point Mr Copper takes it upon themselves to charge you a fee for homeowners insurance. I said that is a terrible business practice and not the correct way to do business. She said that if I could get XXXX XXXX  to fax over proof of insurance that I would have my money back in 2 days. At this time I contacted XXXX XXXX, In speaking with the office manager She stated that she is the only one there and has not received a call or fax from anyone claiming to be Mr Copper. She then faxed them the appropriate information twice and copied me via e-mail.

On XX/XX/XXXX another payment was taken out by Mr.Cooper for {$600.00}. I then contacted Mr. Cooper again at XXXX I spoke with a woman by the name of XXXX in there Georgia location. She was in the insurance division apparently. She stated to me that she could see in the system where XXXX XXXX sent over insurance proof and that she would change the system to reflect this. She then went on to say that I need to call back in 5 business days, speak to someone in the escrow department to be sure that this is in fact fixed. I said, that does not make any sense, you told me you were fixing it right now. She stated, well I can only do some much just contact them in 5 days. Then I proceeded to ask, when will I receive my refund for the 2 over payments that total {$300.00}? She said, oh, well why would you think you would get this money back? I said, because I have my own insurance and you are charging me for your insurance. She said, oh you pay for your own insurance? I said, isn't that the reason we are having this discussion. She then said, well if in fact they do owe you money you will need to wait to call them in 5 days, then they will process it from there and that will take another 5 days. This is just unacceptable ....
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have a bank account with fifth third. I have overdraft protection. I don't make a lot of money and there have been times when things were charged and I went into the negative for insufficient funds. I am being charged multiple fees of {$37.00} then lately an extra {$110.00} has been charged on two separate occasions. I reached out to them and was told to look at a document that was sent and it didn't explain why I was charged the extra {$110.00}. They just keep giving me generic answers and I still haven't figured out why I'm being charged two overdrafts of {$37.00} and the additional {$110.00}.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

Subject : Complaint Against Caine and Weiner Regarding Alleged Debt Dear Sir/Madam, I am writing to file a formal complaint against Caine and Weiner concerning their handling of an alleged debt in the amount of {$430.00}. It has come to my attention that Caine and Weiner have violated several consumer protection laws, as outlined in 12 CFR 1006.34 and 15 USC 1681-S, which has resulted in significant harm to my consumer rights and financial well-being.

Firstly, despite the absence of validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), Caine and Weiner have placed this alleged debt on my consumer report. This action directly contravenes my rights as a consumer and raises serious doubts about the accuracy and legitimacy of the reported debt.

Furthermore, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Caine and Weiner have failed to provide me with proper avenues for challenging the validity of the debt, thus depriving me of my fundamental right to address any discrepancies or errors in the reported information. 

In addition to these violations, it has become apparent that Caine and Weiner have engaged in deceptive practices, including the use of false, misleading, and misrepresented information. Such unethical behavior not only undermines consumer trust but also violates established consumer rights protections. 

Moreover, Caine and Weiner have furnished this alleged account to consumer reporting agencies without providing the necessary disclosures mandated by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). This failure to comply with legal requirements further compounds the harm caused to my financial standing and reputation.

In light of these egregious violations, I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into Caine and Weiner 's practices. I urge the Bureau to take appropriate action to ensure compliance with consumer protection laws and to hold Caine and Weiner accountable for their actions.

Furthermore, I seek the following remedies : Immediate removal of the alleged debt from my consumer report pending validation of the information.

Provision of complete validation information regarding the alleged debt.

Assurance that Caine and Weiner cease all deceptive practices and adhere strictly to consumer protection regulations.

Compensation for any damages incurred as a result of Caine and Weiner 's non-compliance with the law. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumer rights. 

Thank you for your prompt action in resolving this issue.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (IL)

On XX/XX/2024 I received a check from the department of treasury. I got injured from work and this is my first check that I got from the department of labor. I went on the same day XX/XX/2024 to deposit to my checking account at the ATM. The next day I tried logging into my account to see if the funds were available and it wouldnt let me log into my account. I called BMO Harris Bank customer service number and they told me I needed to talk to their fraud team. I proceeded to speak to the fraud team and they told me they froze my account and I cant take any funds out until their investigation is over. They said they have to verify the check if its real and it could take up to XXXX business days. Remind you this is a check from the department of treasury. I confirm the check was real but their answer was I understand, but this is our policy even when I told him theyre breaking Regulations CC rules. I havent been able to take money out this entire time since my account is frozen. As of XX/XX/2024.
Consumer complaint received 2024-02-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PLANET HOME LENDING, LLC (AL)

I attempted to apply for an assumable FHA backed mortgage on XX/XX/2024, calling their loan servicing department. I was then " transferred '' to to the loan assumption department, which was a hold that lasted 20 minutes before I gave up. 

I then called their new loans department on XX/XX/2024 and was told that the seller needed to initiate the process. When the seller and their agent called to initiate the process, they were told the buyer needs to initiate the process. The run around we got caused the seller to take the loan assumption off the table resulting in the deal falling through. Their local office is permanently shuttered, so getting answers in person was impossible.
Consumer complaint received 2024-04-27
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. (CA)

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.

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NM)

On XX/XX/2023, at XXXX XXXX  XXXX XXXX sent me an email stating my account was in blocked status and that I needed to upload my ID to be verified. I uploaded my ID and the XXXX system said it was verified and that my account was then unblocked. On XX/XX/2023 at XXXX XXXX  XXXX I received another email from XXXX stating my account was then blocked and permanently closed. I called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that my {$400.00} transfer that I initiated on XX/XX/XXXX was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. 

I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. I called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because my XXXX was closed that it would not be sent back to XXXX. 

There is no reason XXXX should have closed my account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by me via my Ally account. I can prove I own the XXXX account and the Ally account. I want my XXXX account unlocked. I want my {$400.00} transfer to go into my Ally account.
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I paid off my loan early. I sent the lender a check for the outstanding balance and added extra funds to cover any pro-rated interest. The lender has put my payment in suspense and will not credit the payment made until I send additional funds to cover recording fees. The recording fee amount exceeds the actual recording fee charged by my county by {$100.00}. I have asked the lender to tell me who the 3rd party is that is being paid the {$100.00} as I am entitled to know according to section 23 of security instrument. I have been unable to get a response. The lender has now added late charges to my payment which is was not late. I have asked that the lender credit my payment and send me the original note and reconveyance so I may have them recorded. I have been told they are not allowed to do that. I asked to speak to a supervisor or someone who can answer my question intelligently and I am told they are not available by phone. This servicer is a very large loan servicer. I have to believe the additional {$100.00} they extort from their customers paying off mortgages is a very profitable but illegal cost center. 
I also did not request the demand statement that was issued so I do not expect to be charged for the statement.