davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (ID)

In XXXX XXXX our fresh start loan was sold to. Nationstar mortgage Plc. 
We tried to make a payment each month but they did not have all the paperwork from XXXX. After a few months of this excuse my husband actually called XXXX they stated to him all paperwork had been forwarded. Finally my husband thought he was being scammed they stated they could not accept any phone credit card check by mail only XXXX XXXX. Even though they kept sending monthly statements to us. They decided to foreclose on our home, I requested a modification through MHA they sent out the paperwork I got it back to them. They used my overtime to calculate my acceptance so instead of us having a smaller monthly payment now it 's way more and they wanted escrow for taxes and insurance. Our first payment did include a down payment first month payment and escrow. Two days ago I received notice my homeowners insurance is being cancelled for non payment. I also included this with my contract a copy of the invoice. Tried to call my contact person to find out why? I was. It going to leave one more message. Pressed zero got on the phone with XXXX told her what was happening she agreed to get a team lead on with us he said it will be a couple more days until they have it figured out Really!! I do n't have that my house insurance will expire on XXXX/XXXX/XXXX. I was on hold for over twenty minutes I had to go lunch was over. The foreclosure is not closed yet as of XXXX/XXXX/XXXX. " They are not done processing my loan ''! I have heard a couple days for everything now they said my foreclosure was moved to XXXX XXXX XXXX. I have an attorney and I am willing to go to any length to make sure this does not continue for us or anyone else. Also when we first got approved it was 8 % then the contract comes they know they have me by the nose it 's adjustable every two years until it 's 10 %. Is n't there a truth in lending? Or am I just stressed out enough over all this! You bet I 'm stressed I have been dealing with this for two years now! Can or will someone help me? I need an injunction and someone there the person who owns this company needs some jail or prision time. 
Sincerely XXXX XXXX
Consumer complaint received 2024-03-31
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: Early Warning Services, LLC (CA)

XX/XX/year> EARLY WARNING SERVICES , LLC, willfully has violated Fair Credit Reporting Act ( FCRA ) FRAUD INFORMATION REPORTS AS A RESULT OF IDENTITY THEFT. EARLY WARNING SERVICES , LLC HAS FAILED TO COMPLY WITH THE REQUEST FOR THE METHOD OF VERIFICATION UNDER SECTION 611 ( a ) ( 6 ) ( 7 )
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Subject : Formal Complaint Regarding Misleading Advertisement and Unfulfilled Promises I hope this message finds you well. I am writing to express my deep dissatisfaction with the service I have received regarding my recent application for the Capital One Quicksilver Rewards Credit Card. 

In XXXX, I applied for the Capital One Quicksilver Rewards Credit Card enticed by the advertised sign-up bonus of {$200.00} upon spending {$500.00} within the initial three months of card ownership. I promptly met this spending requirement within 20 days of receiving the card, eagerly anticipating the reward. However, to my dismay, despite adhering to the terms and conditions, the promised reward was not credited to my account. 

Upon contacting Capital One, I was assured by a representative that my account was indeed eligible for the {$200.00} rewards and that they would be added upon completion of the three-month period. Understandingly, I waited patiently for the specified duration, only to be met with disappointment once again when no reward was forthcoming. 

Subsequently, I lodged a complaint with Capital One, providing them with all relevant details, including the assigned complaint number : XXXX. After three days of waiting, I received a response stating that my account was not eligible for the rewards as I had applied for a different credit card than the one advertised. This assertion contradicted the assurance provided by your representative earlier, leaving me feeling misled and unfairly treated.

Moreover, I find it unacceptable that despite Capital One acknowledging their representative 's error, no satisfactory resolution was offered. Instead, I was merely compensated with a meager {$25.00} reward as a token gesture, which does not adequately address the issue at hand. 

Furthermore, my disappointment is compounded by the discovery of numerous similar complaints from other customers who have experienced similar instances of misleading advertising and unfulfilled promises. It appears that Capital One 's marketing tactics, particularly the design of their website, may deliberately confuse customers into applying for different credit cards than intended.

I want to reiterate that I meticulously researched the Capital One Quicksilver Rewards Credit Card and its associated terms and conditions before applying. I followed all guidelines to ensure that I applied for the correct card that explicitly advertised the {$200.00} bonus. 

In light of the aforementioned issues, I urge Capital One to rectify this situation immediately by honoring the original agreement and crediting my account with the promised {$200.00} reward. Additionally, I implore you to review your advertising practices to ensure transparency and clarity for all customers.
Consumer complaint received 2024-04-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I have reported this account to all the credit bureaus as identity theft. I have also reported it to local and federal law enforcement agencies. Delete immediately. I have been fighting ongoing identity theft for the past 7 years and have numerous accounts that have been opened in my name without permission already deleted from my reports after being investigated and determined to be result of identity theft.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Larry H. Miller Group of Companies (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : PRESTIGE
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

Motivated by a Chase website {$200.00} offer in XX/XX/XXXX, I scheduled a meeting directly online following the offer link in the email on XX/XX/XXXX. As required by the offer, I opened a new account on XX/XX/XXXX, and successfully set up the direct debit from my employer a little later in XXXX. The offer says the bonus will be paid directly to the new account within XXXX  days. But until today XX/XX/XXXX, I haven't received the promised {$200.00} bonus in my account yet. I complained this case with the branch staff XXXX XXXX, and also provided feedback to Chase customer services. But they didn't provide any solution about this. This is very disappointing, and I would like to file a complaint case about Chase 's cheating advertisement. I have the offer email and appointment email as evidence to be provided as requested. Thank you.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma (IN)

On XX/XX/XXXX XXXX  I had {$1700.00} in my Credit Karma account. On XXXX XXXX it showed all {$1700.00} was withdrawn and transferred to something called XXXX XXXX Naturally neither company will help : Credit Karma let the money disappear from my account and whoever opened the account with XXXX, never used any of my information and stole it on XX/XX/XXXX. Now that the money is gone, Credit Karma has closed my account and will not talk to me,
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Request proof of submission for a loan or credit account. This was not provided by either company or credit reporting agency. this is because it was part of a Identity theft breach. 
I provided information proving the Identity theft. The CBNA inquiries need to be removed from my credit report. All of them. No one tries the same company and application this close apart after being denied except if its identity fraud. 

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Consumer complaint received 2024-03-22
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)

Affirm Inc. is reporting my account ( XXXX ) incorrectly on all reports as still a collection and having a balance due. This account was settled in full on XX/XX/2024 with the third party collection they hired to handle it, XXXX XXXX. I have called Affirm inc, emailed them, spoke to supervisors to no help at all explaining how it was settled in full and I have sent them the settled in full proof letter from XXXX XXXX, they keep ignoring it telling me i owe a balance and I must pay. I contacted XXXX XXXX about this and we did a three way call with a rep named XXXX from XXXX XXXX who explained to the Affirm rep that the account was settled in XXXX and the remaining balance is forgiven. The Affirm rep said they were sending it to their dispute team with the new info. The dispute team still ignored all this and said no, I owe the balance even with the settlement. I can not get this corrected and it is reporting on all reports that its still a collection for XXXX and XXXX and will until it gets corrected. I have the letters of proof if needed to support my claim, XXXX XXXX will also support my claim if you contact them.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

My loans are with Mohela and I am eligible for PSLF. The qualifying payment count is much lower than it should be because they are not counting several timeframes for which I have certified eligible employment, even though my employment certification forms were approved by Mohela. Mohela refuses to update the qualifying payment counts, and I can't reach anyone in their organization who can help with this. 

I also have XXXX separate loan sequences, and the qualifying payment count is different for each of them even though they should all be the same. The reason for the discrepancy is that for a given timeframe, employment certification is recorded for some of the loan sequences but not others. Some of these timeframes that are not showing up as " qualifying '' fall during XXXX forbearance - these timeframes should be automatically counted as qualifying payments due to the special waiver, especially as I have also certified eligible employment during those timeframes.
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WI)

Contacted XXXX to dispute debt reported. Advised I dont owe money to cable provider and have had service since 2015 ( no debt has ever been communicated to me by cable provider. XXXX advised this is valid ( cable company reports I dont owe anything, still have service ) reported by I.C Systems INC {$72.00} dollars To XXXX  XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I was compromised in XXXX, I had several inquiries XXXX my credit reports. I had accounts opened up fraudulently opened up in my name. I had been part of the XXXX breach, had a few cards opened in my name I had inquiries and a bank acct open. I also have since still been getting inquiries. During pandemic, I lost my public storage to an auction, in which I kept my personal docs. The individual who obtained my locker contents possibly had access to my ssn dob tax info etc. A XXXX XXXX XXXX bank account was opened I have recent info by XXXX as well a ChexSystems that a XXXX is still reporting on my file. I dont know much of the situation ; however, I do know that an account was fraudulently opened in my name. The expenses are being reported against me illegally also without my knowledge. This is inaccurate information. Upon inquiring with XXXX XXXX XXXX  and with my extended XXXX report and my consumer report this needs to be addressed, removed as it has caused banks to look at me as delinquent. I have spoken to XXXX from XXXX in reference to the fraud affidavit. 

I have just discovered as of recently that I had fraudulent reporting information on my ChexSystems consumer report. 
I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. 

I obtained my report, contacted ChexSystems to dispute the inaccurate information. 
I contacted ChexSystems, followed their dispute process and according to the FCRA I reported the fraud I discovered in the report. 

It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. 

I filed an FTC report, I also sent in the information to ChexSystems. 

Chex Systems continues to report false information on my consumer report illegally. 
They told me the date I filed the Police report, FTC reports were too far from the date of the theft. 

I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. 

Chex Systems are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my report.
Consumer complaint received 2024-04-05
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'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MS)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY (OR)

We had a loan on auto pay with Wells fargo failed to contact me before sending my auto loan to charge off status and didn't find out until it I got an email from my XXXX XXXX account .... if they bothered to call my phone and leave a message I would have been able to fix such missed payments they supposedly closed the account for
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Onity Group Inc. (AZ)

XXXX XXXXXXXX XXXX had sold my loan to PHH mortgage services and we have made the payment for Installment amount of {$3800.00} and additional payment of $ XXXX on XXXX XX/XX/XXXX and now on XXXX XX/XX/XXXX they have reversed the payment of $ {$3800.00} and additional payment of $ XXXX without notifying the customer ( me ). They had just mentioned that your loan will be transferred to XXXX XXXX from XXXX XX/XX/XXXX. Today by chance we have checked the documents send by XXXX XXXX and in which they are asking for due payment of {$3800.00} which we have already paid. These companies are playing with customer and make our life tougher. PHH mortgage had kept my {$6800.00} with them for 17 days and now they have reversed the payment on XXXX XX/XX/XXXX with out any info. PHH mortgage should be fined for non compliant and failed to inform the customer about the payment reversal when only one week is left before the payment due date and they should pay interest of 6.36 % on the amount of money they kept for 17 days.
Consumer complaint received 2024-01-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I opened a new checking account in XXXX. My husband pass away in XXXX and I needed to close our joint account. All my bills are auto pay and I set them up with the new checking account. I had JCPenny 's, Amazon Prime, Lowes and Verizon Wireless with Synchrony Bank. Every payment I made to Synchrony Bank with my new account number and routing number was denied and subsequently they cancel my charge cards. 
I called each part of Synchrony Bank that dealt with the individual cards, gave them the account number and routing number over the phone and tried several times to rectify the situation. Each time you receive a different answer. When a supervisior is on the phone they can 's resolve the problem. On XX/XX/2024 I faxed JCPenny Synchrony back my bank statement for the past 2 months and a voided check, The letter I received back did not even address the problem, just said the bill was paid. When I called JCPenny 's Synchrony Bank again on XX/XX/XXXX, I pleaded with XXXX XXXX to verify that the account number they had indeed matched the check I faxed to them. She verified that they matched!!! But she could not do anything about it except to send the information for review to their back office. 
On XXXX XXXX a representive from XXXX XXXX XXXX Bank called JC Pennys Synchrony bank and got the same run a round. 30 to 60 days to resolve this problem that they made. I am XXXX, my credit rating is XXXX. I always pay my bills, never a late fee and never credit cards cancelled becasue this bank will not address the problem and the proper people to help with not accept the phone call even from a bank representive.
Consumer complaint received 2016-08-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

As stated on the Consumer Financial Protection Bureau website, " Your mortgage lender is the financial institution that loaned you the money. Your mortgage servicer handles the day-to-day tasks of managing your loan. Your loan servicer typically processes your loan payments, responds to borrower inquiries, keeps track of principal and interest paid, manages your escrow account, and may initiate foreclosure if you miss too many loan payments. Your servicer may or may not be the same company that gave you your loan. '' Specifically, we are disputing a ) the identity of a true secured lender. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender to the alleged current lender. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender. I would also like to state that there is a difference between a LENDER, a SERVICER and an INVESTOR. We are specifically asking WHO THE LENDER is and this is the question that needs to be answered.
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (OH)

My wife and I are trying to obtain a check from XXXX/LoanCare for prepaid property taxes. The house is located at XXXX XXXX XXXX, XXXX, Ca XXXX and the loan number is XXXX. We initially received the check dated XX/XX/XXXX which was never deposited and lost. I talked to customer service multiple times about this issue which they stated they would mail out a new one. The first time I called was in XXXX, in which the worker said she would have a new one mailed out and we would receive it in 6 to 8 weeks. We waited the allotted time and never received a check. On XXXX XX/XX/XXXX, I called back to LoanCare and she then informed me that a new check would be mailed out and delivered in three to five business days. As of XXXX XX/XX/XXXX we have yet to receive this check. They are saying that we need XXXX party authorization to talk to anyone. I will attach a copy of the original check. Check No. XXXX for the amount of {$230000.00}. I am asking for a new check to be sent out and the old XXXX canceled as well as conformation from LoanCare letting me know that it is being processed. If this issue is not resolved I will have no choice but to take LoanCare to small claims court.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX please provide what method you verified to XXXX and Trans Union. As I am aware XXXX doesnt allow the transfer of FTC identity theft reports which you all confirmed in my last CFPB complaint dated XX/XX/24. That you all had, that FTC identity theft is required to provide to the credit reporting agencies. I have added both credit reporting agencies to this complaint to determine if you all sent over the FTC identity theft Report as required as the data furnisher under FCRA section 623. Additionally I requested another incident theft report which you all have failed to mail to me as the faxed incident report of how the cards were stolen from the authorized user home and the account was fraudulently used was ignored and you havent stated if you have in your possession the current incident report.