davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Ocwen mortgage was recently taken over by PHH mortgage on XX/XX/XXXX ... and unfortunately, our previous mortgage company sold our account to them. XXXX has been rough on many people..us included. 

In the early part of XXXX PHH Mortgage, formally known as Ocwen, sent us a refund check for an overpayment of our escrow account. Because we are grieving a loss of a teenage child, we weren't opening our mail consistently. Our bill payments and such were just on autopay and basically, we were dialing it in while we mourned. We finally got around to opening our mail and saw the check and attempted to cash our refund check on XXXX XXXX XXXX. PHH Mortgage, formally known as Ocwen refused to honor the check on XX/XX/XXXX and we received a chargeback from our bank due to the date being stale-dated and returned. 

I phoned PHH Mortgage to have them resend the check. I have phoned them once a week for 3 weeks, and they still have not re-issued my overpayment check. The first time I called, was on XX/XX/XXXX. The customer service agent claimed she had all the information she needed after I gave her the returned check number and date. 

A week goes by and I call back on XX/XX/XXXX. The check still has not been sent out. This time, the customer service agent who assisted me, stated that the previous customer service agent did not put the date on the check ... 

The third call was today, XX/XX/XXXX. This time the customer service agent that answered said the check was not reissued because it had already been cashed! 
The call was escalated to XXXX ( customer service ID XXXX ). After the call, I contacted XXXX XXXX XXXX who verified that Ocwen or PHH Mortgage would have been notified that the check had NOT been paid and had been returned. 

On XX/XX/XXXX, I also filed a complaint with the XXXX  of New Jersey against PHH. 

On XX/XX/XXXX at XXXX 's request ( the escalation manager at PHH XXXX ) I sent a letter that XXXX XXXX XXXX sent us in regards to the returned, stale-dated check. 

On XX/XX/XXXX I called to follow up since PHH failed to inform me if they had indeed received the XXXX XXXX XXXX documents XXXX ( XXXX ) requested. I was told they had. 

On XX/XX/XXXX XXXX ( XXXX ) called to tell me that the escrow check would be reissued and some time the week of XX/XX/XXXX. 

On XX/XX/XXXX, PHH sent a secure email to state that the escrow check would not be re-issued because it had been cashed ... all despite having received documentation from XXXX  XXXX XXXX on XX/XX/XXXX. 

I have attached XXXX XXXX  XXXX documentation as well as the XX/XX/XXXX PHH message that denies the request to reissue the check.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NC)

On XX/XX/XXXX I used an atm to get XXXX $ an error occurred I reached out to chime finical institution and also I reached out the the atm operators. The atm operators said a switch d Transaction happen means my money got lost in chime core processing system. Now chime is saying they dont have my money they said the atm operators is responsible to give me my money back. Six months later my consumer rights are being violated. Both companies are not helping me they are keeping me in the middle. I even contacted law enforcement about this situation. The atm operators said I need to request a charge back I already did that. I still have not go help at all. Im going to attach my documents. I really need my money as soon as possible. This investigation has neglected me.
Consumer complaint received 2021-01-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

Hi XXXX  / Equifax / Cfpb Mgr ; ******SEE ATTACHMENTS******** Im a little confused and shocked how is this investigation for XXXX  listed below taking longer than expected to be resolved. Im in the process of buying a house, and this is literally holding me back. Please see the attachments for the chain of a conversation I been having with the XXXX XXXX XXXX XXXX since XX/XX/2020. I settled and paid off this account and I was promised base on the emails that the company will expunge or delete this account from my credit report. 

Ive attached, emails, track number, copy of the check, proof of deletion, etc but its still reporting on my credit report. Also, its reporting incomplete, and with misleading information including balance, date of last payment, date of last active, etc these are all wrong and questionable and its in violation. It is crucial that you report this account 100 % accurately and conduct a reasonable investigation. Its been more than 90-120+ days now! 

Basically, I want this account permanently DELETED from my credit report effective immediately. It already has been deleted from XXXX but I need it removed from XXXX and Equifax. Thank you and happy new year
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX XXXX Credit Card offered an 18-month free interest rate. I took advantage of this offer on XX/XX/2018 and made my payments on time according to my statements. 
After completing my last payment in accordance to my online statement. The company added the full deferred interest of {$930.00} plus a late fee. 
After singing up for the card I joined online statements. I logged into the portal every month and made payments in accordance to the site. 
I called the customer service team to report the issue and I got no help was so ever. The team was unprofessional and told me I needed to pay 6 days prior to the indicated date in my statement. 
This practice from my perspective is deceiving and show no value from the consumer.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (UT)

TD Bank USA/Targetcred # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2023-01-16
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. (AL)

I wrote XXXX XXXX and Experian letters stating the bankruptcy is incorrect. They sent me letters stating that it is correct according to XXXX XXXX. XXXX XXXX sent me a letter stating that they couldnt verify the bankruptcy and they removing bankruptcy from there file. I enclosed a copy of XXXX XXXX letter with my last letter and XXXX XXXX and experian and they still have the items listed on my credit report.
Consumer complaint received 2020-03-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc. (MD)

The latest phone call was made on XX/XX/2020. I was asked to give the last four of my social which I refused due to my personal information being stolen.The representative proceeded by saying well I can confirm by your date of birth which she did. The representative stated that I owe {$35.00} for a medical bill from XXXX  hospital and I could pay with a credit card.I simply asked could she send me a copy of the bill because to my knowledge I just paid the last bill that I saw on my credit report. The representative said no I can not have a copy of the bill and I should've paid it by now. I told her I wasn't paying a bill I know nothing about. She proceeded to say well you just paid {$25.00} to us a few weeks ago so you have knowledge of this company. I stated I only knew of the {$25.00} because it was on my credit report and I contacted XXXX  XXXX XXXX hospital and the info for this {$25.00} bill was the only amount given to me. The representative was adamant about not giving me any additional information. I asked again for a copy of the bill and she denied my request again and said it was going to be reported to the credit bureau. The conversation was not moving forward so I decided to end the call. I called back a few minutes later and asked to speak to a supervisor, I was told I was speaking with a supervisor. I was once again denied information so I ended the call with no resolve. The representatives were very unprofessional and rude. I wanted the information to verify that the bill belong to me and if so I would have no problem paying it.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WA)

My XXXX year old son died, unexpectedly on XX/XX/2017. In the process of dealing with his death and estate, I closed out his bank account. I noticed that he had made payments to CoinBase which I later learned was a company that sold and/or held virtual currency. I have tried, on three different occasions, to contact CoinBase through their website to find out the process to go through to get access to my son 's CoinBase account. I've not received any response from CoinBase even though their website says they have customer service to deal with matters such as mine. I have my son 's death certificate, the court authorization for me to act for the estate, a screen shot he sent to his brother the night before he died with his CoinBase account. He used an XXXX and we tried to get XXXX to unlock it so we could have access but they refused as part of their privacy initiative. I feel helpless and don't know how else to contact them and I'm hoping that contact from XXXX may get their attention.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

some one forged a personal check from my account form santander Bank for {$800.00} and three weeks later some one tried to cash a {$1200.00} from my check and on XX/XX/2020 i got a call from the bank saying that some one in a different state tried to take money out of my new account with a fake passport. i filed three police reports one for every incident.
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

We applied for mortgage to pay off a construction loan with a local Bank. The mortgage company sent us the closing disclosures showing we were approved for {$130000.00}. This was on XX/XX/2022. The closing date was set for XX/XX/2022. On XX/XX/2022 they were still approved for {$130000.00}. When they got to closing they were only given {$100000.00} which was the payoff on the construction loan. But when we found out we called the mortgage originator that we were approved for the {$130000.00} and that part of that was to pay our closing cost. We asked why the change from XX/XX/XXXX to XX/XX/XXXX. We were told a new underwriter decided this. We requested that we speak with the underwriter but were told they were not available. We told them we had no funds for the closing cost so then the agreed to increase the loan to {$110000.00} to cover those cost but not the {$130000.00} we were told we were approved for. We asked how this could be fixed and they told us that we would have to start all over again and wait another 6 months before we could close again. Since the interest rates were rising we chose to close although it was not for the amount we requested and were told we were approved for. We are asking assistance for this if possible. We feel that we were not treated correctly. Please advise.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

Collection agency continues to call me on my cell phone. When I answered they immediately have a recording and then someone picks up. When I asked them to identify themselves they told me the name of the company was Collection Serv. I asked why they were calling me, they told me they were calling me on behalf of a client. I asked what client, they said XXXX XXXX XXXX. I asked why they were calling me. They began by asking me to verify my ssn #, I refused. They asked me to verify my address, I refused. They told me that I owed their client. And I told them I did not know what this was about and I owed XXXX  nothing. I asked them to stop calling me. I hung up. 2 hrs later I get another call, same person calling me harassing me once again. Finally I called the number back and faxed over a Cease and Desist letter to the fax number they gave me. Next day I get another call. When I told them I faxed over the Cease and Desist they laughed and hung up on me. I do not know who  this company is but I do not like being harassed for something I know nothing about. The next month I see something on my credit report, I dispute it and tell them to send me documents that this is my debt. They refused. And as of today I still have not received anything from this agency but constant calls.
Consumer complaint received 2024-03-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION (TN)

I am formally writing this complaint in regard to REGIONS BANK. XX/XX/XXXX, a " Notice of Dispute '' I mailed out was delivered to the " dispute department '' of REGIONS BANK prompting them to investigate inaccuracies regarding an account reporting inaccurate information that is being reported to the consumer reporting agencies ( XXXX, XXXX, and XXXX ) to either correct or remove the account in question. It has now been approximately 33 days since the Notice of Dispute was received by REGIONS BANK. According to the Fair Credit Reporting Act pursuant to 15 USC 1681i, creditors are only allowed 30 days to investigate similar to consumer reporting agencies. Otherwise, it is a violation of that statute. I, XXXX XXXX, have also taken into account while reviewing my credit report that this account has been illegally re-aged since it's default further manipulating the statute of limitations on the debt. The date of last activity are as follows currently ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX ). I will upload proof as a supporting document. This behavior constitutes fraud and is in fact a violation of the statute 18 USC 1001 when it comes to a person fabricating falsified and fraudulent information regarding another person. These behaviors as a whole constitutes violation of the Fair Credit Reporting Act pursuant to 15 USC 1681s-2 ( a ) and 15 USC 1681n for willful noncompliance. Ultimately and rightfully, I demand the deletion of this tradeline by REGIONS BANK for violations of the Fair Credit reporting Act and fraud.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CHARGE OFF ACCOUNTS AND COLLECTIONS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE.VIOLATIONS! 
COLLECTION IS A CLOSED -ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently received a letter from the IRS stating that there has been a change in my XXXX taxes due to Bank of America reporting a cancellation of debt. This came as a complete surprise because I had never received any notice or 1099C regarding this matter and the debt was written off ( not on my credit reports ) many years earlier. 
History : BOA repossessed our boat in approximately late XXXX even though payments had not lapsed 60 days. We lost everything during the crash and used all of our savings, etc. to try and keep current with bills, even though we were advised to claim bankruptcy. I had called BOA to ask for arrangements because of our situation. Their response was a flat no and the boat was picked up soon after that call. In addition, they kept all my personal belongings left inside the boat. 
Today, I just spent almost 2 hours on the phone with BOA trying to get some proof of this charge off reported to the IRS of {$18000.00}. I was transferred thru five phone numbers and disconnected twice, and no one could supply me with information. I was able to find someone to send me a copy of the 1099C from XXXX, and another person read me a letter that BOA mailed to me in XXXX that offered a settlement of approx. {$16000.00}. However ; he claimed it was in PDF form and there was no way he could get a copy to me. I feel that if BOA can cancel a debt six years after  the fact, they should be well prepared to supply the paperwork to back it up. Again, this debt has not been on my credit for many years. I feel the amount has been inflated and erroneous.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank charged me for a a a Checking account that was never use after I paid off the account I was told that account will be closed and would not go on XXXX  the account is now on XXXX  after being paid in full this account on XXXX  is stopping me from opening others bank account due to the false information still on my XXXX  account I would like to have this information removed off of my XXXX  account
Consumer complaint received 2023-05-17
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: Atlanticus Services Corporation (GA)

On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, The Company Fortiva retaliate by closing my Fotiva account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from Fortiva removing all these late fees from the account do the way they handle me and the account. 

This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance in full
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

All three credit reporting agencies show a high balance of {$9400.00} on my closed Bank of America credit card account and a credit limit of {$6500.00}. The credit limit is correct but the high balance didn't look right to me. I contacted Bank of America and they confirmed via phone that the high balance is incorrect because they only show two statements from XXXX and XXXX of XXXX, the highest balance being {$50.00}. They mailed me copies of both statements and I verified that the highest balance between both statements is {$50.00}. I filed disputes with the credit reporting agencies and they came back saying that Bank of America verified that what is on the report, including the {$9400.00} high balance, is correct. I called Bank of America again and this time they launched an investigation. I received a letter from Bank of America dated XX/XX/XXXX saying their review determined that they accurately reported to the consumer credit reporting agencies and consider my dispute resolved. It is not resolved. If they claim they're reporting accurately, then why could they only send me two statements from XXXX for this account, neither of which carries a balance greater than {$50.00}?