davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (MO)

We been having problems with Freedom Mortgage for XXXX  years now. But latest and final problem is. We was behind on our payments. Thats our fault. But XX/XX/2023. We got a statement in the mail pay this amount to catch up on the past due. It was XXXX, xxx. So I went to my wife and told we need to get this in the mail today. I went to the bank and got a XXXX check from our bank. Then went straight to the XXXX  office and mailed it off. So on the XXXX of XXXX. It would go to XXXX XXXX airport then to XXXX airport. So by XX/XX/2023 the payment was in XXXX to go to freedom mortgages payment center. 
So XXXX XX/XX/XXXX we called up to you there to find out if they had the payment they said no. We asked them what we should do. The lady that was talking to you oh sure us and we were fine they would find the payment. We even asked if we should make another payment because we just got a XXXX insurance policy XXXX in so we had the money. I love warm is it every mortgage. Said no, we didnt need to. That wed be OK. We go back to the XXXX  once again. We were told we were OK so we didnt worry about our house being sold. Because they were saying we would be oh right. Well, our house got sold on the courthouse steps to freedom mortgage. And then I went over to the other ocean and got sold to freedom mortgage and then all of a sudden on XX/XX/XXXX freedom mortgage sold it to this company that is now having a certificate out of our house. I have to reverse ensuring that everything was gon na be OK. This is not OK Oh, I know its that big XXXX had that check in the fan. After XXXX days they held the check they finally sent it back to us and it was dated the XXXX. when the sale date was the XXXX Im leaving at this from now. Thank you for your time.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (RI)

I have had a XXXX XXXX XXXX XXXX account with funds accruing in it since at least XXXX. There is no way to communicate with XXXX other than email as they do not provide a phone number to call to talk to anyone. I have included a screenshot of the various email communications with XXXX over the years. Noteworthy, is an email in XX/XX/XXXX where they sent an email informing me that I needed to log into my account because I had been inactive for months and need to show activity on my account. I did so, and you will see there were a few emails from them after that through XXXX. I have not received email communication from them since XXXX. 
This month, I went to log into my account as my XXXX kids are now in college and want to transfer the college savings account to pay for college. Upon logging in, I received a message ( see one of the attached screenshots ) that my account was closed due to 30 months of inactivity and that if I clicked the button they would reactivate my account in the amount of {$2100.00}. Since there is no other way to communicate with them other than email, I immediately emailed them requesting assistance with my missing funds and remaining balance. They created a " ticket '' ( again see screenshots ) and informed me a few days later that they had rectified the problem and reopened my account but took all the funds and left me with a {$0.00} balance! 
In an absolute panic that they have now taken all my XXXX college fund money, I again emailed them and have not heard anything from them!! Please help me as I can not imagine that it is legal for them to take all my XXXX college savings account money like that- certainly not without informing me that some action was required on my part and also that they can simply seize the money that I have held in this account for all these years??!! 
I am in absolute panic here that this has occurred, and I am in need of assistance. Please let me know if you need any other supporting details or information and I will provide what you need. I thank you very much in advance for your time and attention to this very serious theft of funds. Thank you. 
Since it is a federally taxable XXXX XXXX account, I should have full reinstatement of all the funds that were in this account prior to them closing it without notification. There is no way for me to know the final balance at that time since they have subsequently erased it. The last balance I have is XX/XX/XXXX of {$2100.00} so I know it was more than that. Additionally, if they were willing to replace {$2100.00} when I initially tried to log back in this month, why would they be able to take that from me after I have requested their assistance for reinstatement?
Consumer complaint received 2024-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (DC)

Newrez LLC conducted an appraisal ( in person ) for PMI dismissal in XX/XX/2024. 

I provided all documentation and proof of reason to dismiss PMI as the current market equity valuation is greater than 25 % outstanding principal balance in the mortgage. 

Newrez LLC refused to dismiss the PMI in XX/XX/2024 but did not provide any specific reason or explanation, instead providing a blanket letter with several possible reasons. 

However, none of the listed reasons in the refusal letter match any condition on my mortgage loan. Therefore, it is either a mistake or a fraudulent claim to refuse the dismissal of PMI on my mortgage.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has extended to me an invitation to apply for a Quicksilver credit card, citing their appreciation for my loyalty. The pre-approved offer includes a one-time bonus not of {$200.00}, but rather {$300.00}. In response, I submitted an application. However, my application was subsequently declined, albeit with a counter offer for the same Quicksilver card, but this time without the one-time bonus. 

This experience has proven to be both time-consuming and disappointing, as it appears to be a case of misleading advertising and a deceptive marketing approach. Furthermore, declining the counteroffer without the bonus despite previous pre-approval has resulted in an additional hard inquiry on my credit report. Their explanation : The reason ( s ) for our decision are : Based on your credit report from one or more of the agencies on the back of this letter, length of credit history ... .... As someone endeavoring to responsibly build credit, I find such practices to be deceitful and detrimental. It seems that Capital One, by luring users with false pre-approved invitations, is engaging in questionable business practices.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My father passed away XX/XX/year>. He has XXXX account with Merrill Lynch by Bank of America. The Account has been awarded to me in XXXX XXXXXXXX MI probate court with a decree of Determination of Heirship in a formal probate hearing. I have submitted my court documents as well as the other documents asked of me and Merrill Legal team has denied my documents are accurate probate documents and have not released the fund to me. They have asked for Letters Testamentary or small estate affidavit which my dad 's probate does not qualify for based on asset amount and date of death. I tried to explained to the rep but they stated they have to wait for the legal team whom does not have a customer number or email available so me or my attorney can contact. I have been denied access to speak with any type of supervisor directly, they have responded that a supervisor will schedule to call me back in 24-48hrs ( which they haven't ) and the legal team will reassess my documents in 3-5 business days, AGAIN. Every time i call the life services department i receive the same response. There is no courtesy for this been sent back incorrectly and ignorance to MI probate law. Its stressful enough dealing with your parent passing and handling all their affairs, probate court, attorney fees, funeral expense, and arrangements and have to argue with a bank about their account that has already been grated by a court of law. 
Case # XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III (CA)

XXXX XXXX. 
XXXX the amount I requested all paperwork I signed saying I owe Allied Collection Services XXXX, XXXX dollars. No reply back of proof. Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (TX)

My loan was transferred to Shellpoint about a year ago. I was working on a loss mitigation plan with them to start back my payments. They sent me a letter with all the paperwork I needed to send them. I did that. Every time I called or emailed they always said something was missing from the documentation that I sent so I would resend what they said was missing. This kept going on for months. When I would call they would say theres nothing more you need to do now because it was being reviewed. I have been through 3 Point of contact each time I had to start over. I would ask them if they did not see all the times I sent the documents. They always had an excuse. This last time I was called I was told that I had to pay the XXXX that was due. They already had a sale date. If I had not called I would have never known. The third poc was going to resubmit my paperwork to see if there was anything they could do. I have been trying to call him and email him daily with no communication. They are extremely rude and hateful. Its sad that they would rather kick a single mom out of her home that she has invested 10 years into. I also have an XXXX father with XXXX living with me than help someone keep their home when they are willing to pay extra monthly. This place is a total nightmare
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

I was scammed via wire transfer for {$9700.00} out of my Wells Fargo account on XXXX XX/XX/2024. Wells Fargo froze my accounts less than an hour after the scam phone call. XXXX  XXXX XXXX contacted me on XX/XX/2024 and said they had the scammed wire transfer, and I went personally to my bank and they received this information. My bank said they would recover the funds and have them back to me within XXXX to XXXX business days. On XX/XX/XXXX I received a letter from Wells Fargo containing a Hold Harmless and Indemnity Clause that I needed to sign and send back in order to recover my funds so they could release my information to another bank. Nothing happened in 7 days, and my bankers told me the XXXX  XXXX XXXX had never received the paperwork. Wells Fargo had sent it to the wrong place. We sent it again and were told " within 3 - 5 business days. '' On XXXX XX/XX/2024, I received a call from the Claims Department. They said XXXX  XXXX XXXX could not return my money because they did not HAVE my money. When I said that I didn't want to have to get a lawyer to retrieve my money from their mismanagement, they said that I couldn't sue them because I had signed an indemnity clause. They told me today that they closed my claim.
Consumer complaint received 2023-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PLANET HOME LENDING, LLC (NV)

The mortgage company made the same mistake twice. My payment came late because they pulled from the wrong account which had insufficient funds. I had automatic payments setup. I called multiple times before during and after the processing of the money.Before, I would call to verify what account it will be taken out of, and they would tell me account # XXXX the account I want. Then on payment date they take money from account # XXXX. During the time period of the processing they would tell me my mortgage is paid, and I dont have to worry. A few days later I would get a mail saying my payment is late. I called again to get that payment arranged from the right account. The first time they waived the late fee. In that call I asked which account it will be taken from for the next mortgage payment and they tell me it will be from account # XXXX the account I want. a few days beforehand I would call to verify that. They made the same exact mistake again. Processing seems takes about XXXX  days it I would receive a mail until about XXXX days later that my payment is late because they pulled from the wrong account. The second time, after seeing them pull from account # XXXX. I literally had to drive over to pull money from account # XXXX and put it in account # XXXX. It seems it was not accepted in time or something because I still got mail a few days later of a late charge. I called many times, and I just spoke to a manager now and he says they dont have notes of all this happening. They only have notes of when my payment was made, being late and waiving the first fee. They said they can not do anything for me for their mistakes, and making the same mistake twice. They ( Planet Home Lending ) are still charging me a fee for their mistakes.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (MI)

Re : Synchrony Bank Dear Sirs : My name is XXXX XXXX. I have been XXXX for several years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I was released it was impossible for me to visit a bank branch to conduct business. In other words pay my bills. A friend told me that Synchrony Band would allow wire transfers online.

I then opened a Synchrony Bank account. This was done in XX/XX/2023. I deposited {$100.00}. Shortly thereafter I transferred {$10.00} into a second Synchrony account. In XX/XX/2023, I made XXXX more deposits into my Synchrony Bank account by ACH transfer from my XXXX XXXX Bank Account in the amounts of {$5000.00}, {$10000.00} and {$15000.00}. The balance was approximately {$30000.00}. The purpose was to utilize the online wire service offered by Synchrony Bank. 
My first attempt failed because of Synchronys policy of a telephone confirmation by the receiving Bank. The second attempt was foiled by a Synchrony Bank mistake. I made a complaint to Synchrony Bank. I then made a third attempt at a wire transfer on XX/XX/2023. I was told this would take 1-2 business days. On Monday XX/XX/2023. I was advised my account was locked. They said my account was under review. They further advised this process would take 2-3 more days. 2 days later I called again. Now it was said 3-5 days to complete. I called again in 3 days only to be told it would take 60 days. All this time I was denied access to my funds. I have been provided no explanation for this action. It was further implied that the 60 day time frame could be extended at Synchrony Banks sole discretion.

This is a clear abuse of discretion. It is inconceivable that it would take 60 days to review XXXX  deposits and one transfer into another Synchrony account. This actually can only be seen retaliation for my complaint against the Bank for making a mistake. 
The Bank stated their review was for my protection, instead it has caused me financial distress. This unwarranted action can not go without investigation and exposure. Please publish my complaint. 
Very truly yours XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (PA)

This is my 3rd and final attempt in this Lexis nexis report this company have giving information that they are a reseller of credit reports from the three namtionwide consumer reporting agencies- XXXX, XXXX and XXXX . I submitted my current credit reports from ALL the agencies with my name as XXXX XXXX. This company refuse to remove someone else information of my file and it grounds for a lawsuit because this information isn't accurate and vefified as they claim for not removing it. I attached all my proof and I need something to be don't or I will seek legal counsel.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting 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 7 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.

Also, please see the letter attached from the bankruptcy court stating they do not report to any consumer reporting agenciesproviding bankruptcy information. I have not given you a written consent to document or save my bankruptcy information in your database system. Please provide me a letter stating where you obtained the bankruptcy information.If it is from the bankruptcy court, IT IS AGAINST THE LAW! 

Please remove the bankruptcy information immediately from your database.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America falsely accused me of altering a check and then closed my account and lied. They told me the company who wrote me the check confirmed that the check was altered. After speaking with the company they have informed me that no one from Bank of America contacted them and sent me a copy of the check saying it has not been altered. Bank of America has not sent them or me the {$120000.00} that they owe me. I want my money that I worked for Bank of America is crooked. I have all my correspondence from the company stating the check was not altered, they never spoke to Bank of America and they also have not received the funds either.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX Validate Account XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  XXXX XXXXection 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

Thank You, XXXX
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

The bank has been placing charges on my account and not listing the transactions. My account is negative because of their system error and each agent I spoke with DID NOT HAVE ANY HELPFUL INFORMATION, AND THE SUPERVISORS WERE EXTREMELY RUDE AND UNHELPFUL, one supervisor stated I hung up the phone which is not true, and the other supervisor hung up on me. CITIBANK needs to be looked at. They ARE STEALING FROM THEIR CUSTOMERS AND I BET THE ELDERLY. this IS THE WORST BANK I HAVE DEALT WITH. Also their automated SYSTEM IS ABSOLUTE GARBAGE, it purposely says the wrong thing to not get you over to the correct person. ALL OF THESE FOREIGN workers do not know anything!!!!!!!
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.