davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today I spent over an hour and half with different Bank of America agents on the phone to answer my concern to no avail. I spoke to at least 4 different agents and a supervisor. Long story short I needed to find out the full account number ( not the last 4 only ) on an account that is listed in my " manage accounts/ recipients '' list. This list is created by the consumer, but unfortunately, BOA would not disclose the full account number that was previously entered by the consumer. I do have different accounts under that list and I need to update/delete some to avoid sending funds to the wrong account which happened before. I called them about one account in particular with XXXX XXXX that I needed to get the full account number of but they refused. I asked to speak to a supervisor to give me that account number but again he refused ( XXXX, employee XXXX XXXX ), after an hour and half of wait! Question, those are accounts that I created myself in the past and transferred funds to in the past. Why does BOA deny the consumer access to information they actually created?
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AZ)

I entered into a Covid related deferral program with Nationstar Mortgage in XXXX. That program terminated in XXXX at which point the repayment plan commenced, which required intervention by the CFPB to actually get them to respond, due to repeated failures on Nationstar 's end to actually process the documentation to start it. 

I made the repayment plan payments within the required timeframes, as documented in the attached payment history as well as the reported credit report snapshot. 

The trial plan was then approved, with a first payment due on XXXX ( late after 30 days ), which is scheduled to meet prior to the late date. 

Nationstar has still reported the account as 180 days past due and showing in 120. In a simple examination of the credit report snapshot, this is literally impossible- Nationstar has deliberately and willfully erroneously reported this as past due. 

Moreover, I filed a report around summer of XXXX in which Nationstar did the same thing, despite being in the deferral.
Consumer complaint received 2021-09-27
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. (VA)

Their investigation did not provide me with the requested information, and exceeded the time frame allotted for them to respond. I respectfully have requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have failed to provide this information and it has been more than 30 days. My letter was sent on XX/XX/2021. My follow up letter was sent XX/XX/2021.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I am facing some difficulty requesting information from my mortgage servicer ( s ) : XXXX ( XXXX  XXXX, VA, XXXX ) and Loancare ( XXXX XXXX XXXX, CA, XXXX ). I have submitted at least two mortgage payoff statement requests to my mortgage servicer with varying good through dates that have consequently expired and have still not received any payoff letters ( both times I have requested an email delivery of the payoff statement ). I am approaching my next payment due date according to the most recent statement I received from the mortgage servicer and I am concerned that if they fail to provide adequate details as to the amount I owe and the process of submitting my final payment ( certified funds according to their telephone customer service representative I spoke with ) I will subsequently accrue additional interest and late fee penalties as well as incur a negative mark on my credit history. I submitted my first request through their online customer portal on XX/XX/2021 which had a good through date of XX/XX/2021. I sent an inquiry through their online messaging service on XX/XX/2021 about not having received a payoff letter and did not receive any response addressing my issue. I spoke with a representative on XX/XX/2021 about the status of my mortgage and why I could not submit my payment through my escrow account to which she indicated that I would need to request a payoff statement letter and submit the funds either by certified check or through a wire transfer per the instructions that would be provided in the payoff letter. I asked her would it be possible to receive a payoff letter before XX/XX/2021 if my intentions were to select said date as my good through date to which she confirmed it would be possible and that I could expect to receive the payoff letter no later than XX/XX/2021. I proceeded with my request as detailed and I have still not received the payoff letter as of XX/XX/2021. I am concerned that I will continue to face issues with obtaining a payoff letter from my mortgage servicer making it impossible for me to submit final payment due to their lack of providing the amount and final payment process details.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MI)

XXXX Overdraft fee for a fraudulent charge. I contacted Chime they stated that the charges were valid. I expressed that these are not the charges I swiped my card for. Several months had passed, XX/XX/XXXX, I get an email stated that XXXXXXXX XXXX XXXXl had refunded the charges due to fraud. Chime refused to update my credit report for charges that they approved. XXXX sent them a check for the entire balance and Chime will not update my credit report or reopening my credit-builder account. Now, months later on XX/XX/XXXX, A deposit from the Small Business Association attempted to deposit my loan for my small business but however, Chime declined the deposit. After denying the deposit 2 months later without an email, a text, or phone call, my account was closed and I am still unable to access my funds. On XX/XX/XXXX my account was closed with no communication of how to gain access to my funds. The only way I knew that my account was closed is on payday XX/XX/XXXX I attempted to pay my rent and my card kept declining. I attempted to log in to the app and it stated that I will have to contact XXXX to get access to your account again. It has been well over the 24 hours the email stated once I contacted the company via the email address. At this point, I will never use chime again. I will be filing some type of charges against them. I don't have any food or gas money. I had money in my account on top of my paycheck and my savings account. This is a thief.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (CO)

On XX/XX/XXXX I applied for the BBVA Select credit card. On XX/XX/XXXX I received an e-mail from BBVA congratulating me on my new card. On XX/XX/XXXX the {$99.00} annual fee posted to my credit card. On XX/XX/XXXX I canceled the credit card and told them that my reason for canceling the card was that it wasn't worth paying the annual fee for the benefits I received from the card. On XX/XX/XXXX I received an alert from my credit monitoring service that my BBVA account was 30 days past due. On XX/XX/XXXX I contacted customer service and asked that the late fees and annual fee be removed since I had not had the card at any time during the 2nd year. They told me they would get back to me and on XX/XX/XXXX notified me that the late charges would be refunded but they were not going to remove the annual fee because I was aware that there was an annual fee when I canceled the card. I asked them to elevate the request but they said the decision was final and I could file a complaint if I wanted to. They were supposed to call me back in 3-5 days for the complaint but I haven't received any contact since XX/XX/XXXX. 

I think this is fradulent because I never had the card for any of the time that would be covered by the annual fee so I didn't receive any benefit from it. I paid the annual fee this morning before they did any more damage to my credit rating so essentially they are forcing me to pay for something I don't want and didn't receive and won't benefit from.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I also requested that they cease and desist all collection activity, including credit reporting. I ask them to delete any and all reporting made to any consumer reporting agencies. They failed to address my very specific legal requests and are in clear violation of the FDCPA. 

They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reached out to Transunion since XX/XX/2021. I have submitted my Identity Theft report 3 times and nothing has been updated on my report. I submitted disputes about inaccurate information on my report several times since XX/XX/2021, and nothing has changed. The credit bureau keeps stating the information was accurate. I submitted a debt validation letter requesting original contracts and proof they verified the information with these reporting agencies and companies and nothing has been sent but a letter saying they are accurate, but zero proof. My most recent letters were sent on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I am aware they have 15 days from submission to provide proof of contracts and debt validation, and they have failed to do so. I have sent proof of address, as requested and addresses are still not updated on file either. I have called several times and nothing has taken place.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (WY)

We started a loan application on XX/XX/XXXX with Sun West Mortgage Company , Inc. NMLS XXXX. 

The loan officer did not tell us that the company could not make a loan on a property with more than 2 units. Upon learning this we changed the application to our home at XXXX XXXX XXXX, XXXX, WY and sought a partner to complete the purchase. 

On XX/XX/XXXX the loan office made the first loan estimate with the wrong address. ( XXXX XXXX XXXX, the purchase property. ) On XX/XX/XXXX the loan estimate was corrected to XXXX XXXX XXXX. 

On XXXX Sun West put an unlicensed " loan coordinator, '' XXXX XXXX between me and the loan officer, XXXX XXXX, NMLS XXXX. 

All documentation of our finances were submitted by the XXXX of XXXX. 

On XX/XX/XXXX Sun West issued a Closing disclosure with a funding date of XX/XX/XXXX but with their closing agent instead of the one we had selected knowing ours would cost less as a local XXXX XXXX XXXX office. We ask for a correction. 

On XX/XX/XXXX XXXX XXXX, NMLS XXXX Notified me that he had been substituted as my loan officer. 

On XX/XX/XXXX I notified XXXX XXXX that XXXX XXXX kept asking for uploads of our financial documentation that had already been uploaded. XXXX replied, " Yes, XXXX XXXX is your Loan Coordinator. Have a great day! '' ( I believe XXXX XXXX quit because of this addition of XXXX in the mix ) By this time we had extended our closing 3 times and the seller made a hard closing date of XX/XX/XXXX. 

Sun West made an error on the Closing CD to XXXX XXXX XXXX and it had to be returned to Sun West for correction. 

Subsequently, Sun West notified the XXXX XXXX XXXX closing agent that the loan could not be funded until XX/XX/XXXX. 

From the first funding date of XX/XX/XXXX and XX/XX/XXXX there was plenty of time if I had been working with an NMLS loan officer to get this loan to the closing agent with a funding prior to XX/XX/XXXX. 

This stall had the nefarious affect of indicating that a borrower must accept the Sun West closing agent if they want a timely closing on a loan. All borrowers should be informed that Sun West will not say the can not do the loan but will delay to get the word out to Realtors to advise their clients to accept the Sun West closing agent and their nearly double closing costs.
Consumer complaint received 2024-02-21
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

I returned items and the bank is charging me for things I never received but I submitted proof of the fact I never returned the items. I even have one I did not complain about from XXXX in a supplement. They have refused to credit me from XXXX XXXX and XXXX XXXX. They left off a bil of XXXX from XXXX but the bank is trying to cheat me out of my money as everything was returned to these people but they are refusing to give me credit for these purchases. I am enclosing letters from the bank and proof of non receipt on these items. I am out thousands of dollars for things I never received.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

In early XXXX I received a letter from my Mortgage Service provider, XXXX XXXX, that my loan would no longer be serviced by them and would be serviced by a company named RoundPoint Mortgage. This was the third such change in providers since I refinanced the loan just a year earlier. How many times can a loan change service providers in a year? It's ridiculous. Even more problematic, was that I never received a notice from the new mortgage provider by mail. 

I did on XX/XX/XXXX, the day before my mortgage payment was due receive an email ( not US Mail ) from RoundPoint informing me that my loan number had changed and that once your loan has fully transferred on XX/XX/XXXX I needed to complete three actions to make the transfer as seamless as possible. Why, though, am I, the customer being asked to take actions, when all they need to do is sent me a paper notice telling me what I owe and who to send it to? Instead, I was forced to create an online account to figure out how much I owed and when. 

Two months passed with no paper invoice received from RoundPoint. I had to log in to know what amount was owed. The user experience is terrible, and it took me days to figure out how to actually see a copy of the invoice in PDF. What I discovered troubled me. The address listed on file was an old address I haven't lived at for over a year. How could they not have the correct address that my former loan servicer XXXX XXXX had on file? It's almost as if they were hoping I'd never get the bill so they could charge late fees and better yet for them, forclose on my property and make a XXXX XXXX XXXX in profit from a short sale. 

I feel RoundPoint is putting a huge burden on customers to figure out how to pay and stay current on their bill and maybe even purposely sending mortgage bills to the wrong address in the hopes of profiting from them. I sent an email of complaint to RoundPoint a week ago, asked them to update my address on file and send me a proper paper bill. All I've received in return are two form emails back that haven't answered my request. I suspect thousands of other customers are having issues with Round Point. I'd like to have by loan serviced by XXXX XXXX again, or another loan servicer who actually knows how to treat customers.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (NY)

PayPal closed XXXX of our members ATM card. I made a new complaint through their resolution center which I specifically stated that I was disputing the charge and that the card was NOT LOST AND NO ONE WAS GIVEN THE PIN. 

Now he is once again stuck with NO MONEY in the middle of NO MANS LAND. 

***Since this is a matter that involves discrimination ALL COMMUNICATIONS ARE TO BE IN WRITING TO THE ADDRESS LISTED
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

Requested Navy Federal Credit Union to put a stop payment on a merchant that got access to my personal account details to collect on a payment for my XXXX. 

The first request was submitted on XX/XX/XXXX and I was told that I needed a check range although it was an ACH transaction. I was told to call. 

On XX/XX/XXXX I contacted NFCU again and spoke with a rep named XXXX she told me that they could do the stop payment but it was a {$20.00} fee. My account was negative due to credits being removed for stimulus payments. They have begun taking back the credits to give you access to the entire amount per the IRS. I was told that they couldn't put the stop payment on until my account was positive. The problem that I have is that they caused the negativity. I get regular direct deposits and they can see them before they release them. I could have {$180.00} taken because they won't place the stop payment and allow my pending deposit to cover it. But instead this company could get that money and then I am out of my money until they get it back. This a private business matter regarding my XXXX and this isn't a business account.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XXXX  was notified that there were duplicate and unauthorized inquiries on my credit report over 2 months ago and have not done any investigating or correction of error. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were all unauthorized XXXX XXXX- are duplicate inquiries both dated XX/XX/2020 XXXX  XXXX are also duplicate inquires As a result, I was recently denied credit due to the number of inquiries on my credit report. 

XXXX has received several documents regarding this issue and yet no resolve
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

XXXX Apartments charged me {$9000.00} for an apartment I didnt reside in in XXXX. It is XXXX and Im still being affected by this. I called and left emails to let them know and they failed at answering my questions.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( XXXX, XXXX and experian ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I ordered 24 Sweatsuits, 24 T-Shirts , 24 Beanies, & 24 Ski Masks from XXXX  XXXX  XXXX The production was scheduled to be completed in 14-21 business days. I was told that Id be notified once my order shipped out. I reached out to XXXX XXXX on XX/XX/XXXX to inquire on when I could expect delivery and they emailed me back on XXXX XXXX representative said he reviewed my order and it was scheduled to ship out by the following week. I didnt hear back from them so I emailed again on XX/XX/XXXX to which they didnt respond. 

On XX/XX/XXXX Posh Union sent out an email stating that due to COVID-19 they were unable to fulfill orders and take on new customers. The email also stated that they were issuing refunds or you could wait to have your order fulfilled. If the customer couldnt wait for XXXX XXXX to issue a refund they urged them to file a claim with their bank but I wanted to see if getting my merchandise was still a viable option so I waited. I never received my merchandise and never heard from anyone at XXXX XXXX since. They had an automated email reply, their website was no longer working, and they are unresponsive on XXXX. 

I filed a dispute with Citi Bank 3 times in order to get my funds back but they only returned the {$100.00} I paid to have the custom neck labels done. Each time they said they couldn't help me with my dispute. I have been left without products and now my account is- {$1600.00} because of the banks decision to not refund me for the products I never received.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal was Permanently limited my Account, it said that " You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement '' but I used my Account on right way, I'm not violating their policy, I'm using it since 2020 to have transactions with my client from other country.