davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I have inquired about removing the PMI on my home almost at least every six months since we moved into our home in XXXX XXXX. The house was fixer upper so even though we had enough for a 20 % down payment we only did a 5 % down so that we could invest and add more square footage to the home. We purchased the home for approx. {$420000.00} dollars and we put between $ XXXX into the addition. I had an appraisal completed in XX/XX/XXXX that appraised at {$520000.00} but they stated that even though the value was high enough they did not have to waive the PMI and I should try again when the mortgage had aged officially 2 years. 
I have made several attempts to contact Mr. Cooper but they don't have enough Escrow / Insurance people to answer the phones. Instead they try and refinance my loan, which would be a financially poor decision for my family. I work during the day and prefer to interact through tickets. They refuse to put the actions I need to take to get my PMI removed in writing. I am attaching an image of the messages that were returned to me after I chatted with Mr. Cooper or opened a ticket. It almost seems like they do not want to provide clear written clear instructions and expectations as to when my PMI can be cancelled. I am well within my right at this point as I have secured an additional Home Improvement loan to add on a custom deck that is {$55000.00}. Mr. Cooper only cares about you if you want to refi and take out another one of their products. But if you are just a customer looking to have decent servicing, that is not their priority.
Consumer complaint received 2024-04-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC. (CA)

On Monday XX/XX/2024, I contacted SoFi via its XXXX ( XXXX ) number to request paper statements for a personal line of credit that they recently acquired from XXXX XXXX Bank. SoFi denied my request for paper statements and will only provide via their website per my conversation with XXXX XXXX from the SoFi call center. The signed agreement for the personal line of credit from XXXX XXXX includes an electronic records and signatures section which specifically allows for the consumer to request and receive paper statements upon request. That document is included in this complaint. Since the agreement was signed with XXXX XXXX Bank and SoFi has since taken over, the ability to request paper statements is should continue.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (GA)

I never received any communication from Midwest Recovery System, and they put a collection on my credit report. They told me that they received the collection on XX/XX/2020, and it was placed on my credit report XX/XX/2020. That is 9 DAYS LATER. Again, I DID NOT receive notification from them AT ALL, and you are supposed to have AT LEAST 30 days to get in touch with the client, verify, etc. Once I saw that this was reported to my credit report, I called the company, and they told me that they don't reach out to clients, and that they could not send me notification until I contacted them. How am I supposed to contact them if I never knew I had a collection until it hit my credit? They were supposed to contact me.
Consumer complaint received 2020-08-13
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-11-01
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: General Motors Financial Company, Inc. (TN)

After careful review of this account, I noticed multiple instances, where 99 % of the information reported by the credit bureasu are not accurate and they insist on confirming and validating the creditors inaccuracies. The high balance is being reported inaccurately with 3 different amounts. Only one credit bureaus ( XXXX ) is reporting that it has actually verified the account. Date of Last activity, date reported, date opened, balance owed, creditor type, account status, payment status, are all reporting different information. None of the agencies match on any of the data they are reporting against this account. 

On XXXXXXXX XXXX and XX/XX/2022, I submitted a dispute via the online portal with all 3 Major Credit bureaus regarding GM Financial. Each result came back " verified as accurate '' by both the Creditor and the Credit Bureaus.
Consumer complaint received 2020-08-13
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: Self Financial Inc. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my account.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a business account with capital one bank and recently my debit card was lost and someone made a lot of unauthorized purchases using that lost card, I have contacted my local police station to inform this matter and they are willing to cooperate with capital one bank to find the person who made these unauthorized transactions using my business debit card. I informed the bank right away when I found about these unauthorized transactions in my account and filed a dispute. But the bank has denied the dispute claim and is not refunding the money back to my account. Now I am in need of these funds to pay my bills, and bank is not cooperating with me to get my funds bank.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection at Law, Inc. A.P.C. (CA)

The debt collector, XXXX  XXXX, repeatedly harrassed my ex wife and contacted her neighbor to find me, unbeknownst to me. They eventually drop served the papers at her house after repeatedly told that I have not lived there for over a year. They said " we know he lives here a, private investigator told us he lives here. '' They sent a summons after I was served to her house after I was served too. The debt is XXXX. I was seved on XX/XX/23 but my ex did not give me the papers until XX/XX/23 and I got my summons on XX/XX/23.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (SC)

This is against the owners of XXXX XXXX, JP Morgan Chase bank one the company falsie states i owe them for a charge of XXXX dollars when i asked during the month of XXXX to cancel and not renew my car insurance. instead their representatives denied canceling service, denied allowing me to not end my renewal and continued on without my authorization or consent to charge my bank account and debit monies out of my checking and credit cards. without authorization. 

I have sent a dispute in this matter. I have had to go through a serious medical issue and being told I had to keep my service with XXXX  because of lies and XXXX reasons is unacceptable all monies I gave this company are considered to me illegitimated for whatever services they claim to gave. 

JP Morgan Chase bank and XXXX XXXX own me for everything they took from me from their lying service and denying me the dignity and respect to leave their service during a critical medical issue and time of my life. 
their XXXX and need to be charged for discrimination and XXXX.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (AZ)

Because of covid-19 my 50th wedding anniversary cruise was cancelled resulting in a credit of {$7600.00} on my credit card. For almost a month I have been attempting to get that credit transferred to my bank account with any success. I have called the customer service department at least four times.  Each time I am told that the money will transfer in 6 to 10 days and yet no action is taken to accomplish this. 

I pay off my credit card bill each month and I have never been late. There is absolutely no reason why CITI has not refunded my money.
Consumer complaint received 2019-02-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc. (AR)

RMS has contacted me about 2 student loan debts from XXXX XXXX   XXXX XXXX. One in the amount of {$6000.00} and the other around {$5000.00} ( estimating amounts ). I have attempted to call them to dispute and wrote a letter stating DO NOT contact me further about this debt as I was in a BNK CH XXXX in XX/XX/XXXX-XX/XX/XXXX and this debt was paid in full. I continue to get notifications from the collectors each year about this loan whereby once I contact them and let them know I was in BNK and the law states do not contact me they cease and decease. RMS continues to try unlawful tactics to collect on this erroneous debt. My BNK was successfully paid off and all creditors should have received notification from the US Federal Court in Texas. I wish for them to not contact me or try to collect on this erroneous debt. Thank you!
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2020, Wells Fargo adjusted my credit card balance of {$8500.00} to {$0.00} for no apparent reason. Then, on XX/XX/2020, they returned that same balance, again, with no explanation. As a result, the system automatically assessed me a balance transfer fee of {$250.00}. 

I believe this did not happen by accident. What I suspect is that Wells Fargo is deliberately processing such transaction in order to charge their credit card customers and collect fraudulent fees.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (PA)

I am behind on my Care Credit Synchrony Bank payments, I have explained this to representatives of the Bank by phone and also by e-mail last week that I and my wife are both Senior Citizens and both on Social Security and a fixed income. I had the company take {$230.00} from our checking account on XXXX XXXX, 2016, and told them I would send more money at the end of the month, when we have additional checks coming. But this was not enough, they are threatening to send the account to a collection agency and they call and leave messages several times a day. I am XXXX years old, and this is very upsetting, but it does not seem to matter to these people. They have a couple of addresses, XXXX is Synchrony Bank, XXXX XXXX XXXX, XXXX, Florida, XXXX, and another XXXX is somewhere in Utah, where the phone calls come from. Thank You, XXXX XXXX. XXXX, XXXX, Pa.
Consumer complaint received 2024-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I am a full class member of Sweet v. Cardona, and my XXXX XXXX to XXXX XXXX was approved by the Department of Education on XX/XX/2024. 

Nelnet is my loan servicer, and they have sent correspondence stating I have a payment due on XX/XX/2024. 

None of my loans have been XXXX, and I have not received a refund. 

Forcing Sweet v. Cardona class members back into repayment before their discharges are complete is a violation of the settlement. 

I respectfully request Nelnet to return my loans to XXXX XXXX pursuant to the settlement terms.
Consumer complaint received 2020-08-13
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. (NC)

Good evening, I am writing to dispute some information that has appeared on my consumer credit report. 

About three weeks ago I was contacted by credit bureaus due to a change in my rating that reduced my credit score by 21 points. It appears that XXXX XXXX  has reported that my thirty year fixed rate loan has been increasing by over {$4000.00}. 

My loan is in forbearance and as per Accommodations under The Cares Act and XXXX XXXX regulations, the overdue amounts are not to be reported to credit bureaus since they will be eventually either be paid in full, paid in installments or added to the end of the loan. 
Please see below for Cares Act regulatory language : As defined by the CARES Act ( referred to as an accommodation under the Act ), your servicer or creditor is required to report your account as current.

Consumer Finance Protection Bureau Therefore, as per regulation, creditors are to report the account as current and in good standing. I have contacted XXXX via telephone and email on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2020 but have received no response. Since my last attempt to reach them ; the company has yet again added additional charges that seem like an increase on my loan or a delinquency. 

Unfortunately, my family has suffered loss of income and salary, have XXXX XXXX ( myself included ) and are struggling to make ends meet. Therefore, at this time, my credit score and credit line is extremely important because it can help us pay for groceries and support us in staying afloat financially. This situation is placing further financial hardship in our lives. 

My hope is a resolution that will include a withdrawal of this information from my credit reports since it is indeed erroneous ( and perhaps illegal ) as defined by The Cares Act, XXXX XXXX and XXXX XXXX. 

Thank you so much for your time and support in the matter. I appreciate your help. 


XXXX XXXX XXXX
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I made a payment to create auto in the amount of {$8600.00} after about four weeks I called to check if my order was ready and they instructed me that it wasnt I made this transaction on my capital one credit card I went to the shop on XX/XX/XXXX and I canceled the repair and ask for a refund.They canceled my order process my credit card for a refund and provided me with a refund receipt they instructed me that I would receive the refund in two weeks which I never have after multiple attempts in trying to resolve my issue with the credit card company and basically getting the runaround all my efforts have had negative results.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened a business checking account in XX/XX/2020. There was a {$750.00} bonus which was to be deposited after 90 days was reached on XX/XX/XXXX. I have not received the bonus cash deposit and when I called Tuesday XX/XX/XXXX I was hung up on and given the run around.I was put on hold over 30 minutes and then told a supervisor would call me back before days end. That never occurred I am attaching the statements to show the money in the account. It was in there for more than the required amount of time but they have not followed through with the deposit.
Consumer complaint received 2024-04-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Case XXXX When my CD closed I never got the check in the mail. 
I submitted an affidavit, and they were going to resend after XXXX  days, I was upset at the unreasonable delay, but I went with it. 

They Promised, many times, to send the new check XXXX. 
I called for the tracking number, and they said they sent it regular mail. 

What happens when I don't get my money again? 

Why is the bank allowed to steal my money with no recourse? 

I feel like my only option is to sue, maybe Capital one needs a lesson like XXXX
Consumer complaint received 2022-11-01
Product: Credit card or prepaid 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 (GA)

I applied for a Capital-One " Quicksilver '' credit card on XXXX through a secure online link XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After meeting the {$500.00} spending threshold advertised for a {$200.00} bonus, Capital-One advises that I am not eligible for the offer. I verified tonight ( XXXX ) that this {$200.00} incentive remains advertised on the first page of the Capital-One website that I used for my application.

This {$200.00} bonus offer appears twice to the applicant - first when the initial quicksilver incentives are displayed ( as shown in the attached file ) and then again when the applicant continues with the application reaching the personal information page where the {$200.00} bonus incentive is even more prominently and singularly shown right beside the data entry location.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Insufficient evidence.. Refusal to provide requested documents like.. The ORIGINAL SIGNED CONTRACT between I and the original creditor.. The ORIGINAL SIGNED sale agreement from the original creditor giving the TERMS of the sale and the consideration paid to the original creditor .... Don't bother wasting paper sending me them same documents if you guys don't have The ORIGINAL SIGNED CONTRACTS... Those letters you guys send don't mean nothing without the The ORIGINAL SIGNED CONTRACTS ... Show me them receipts.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

I got a loan from Wells Fargo to purchased XXXX XXXX XXXX at XXXX Of XXXX XXXX, California. 
I paid off early, i suspected they over charge some fee.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX at XXXX someone gained access to my account, changed my XXXX  receiving email and sent {$380.00} to a new added email from my checkings account. I submitted a Claim with USAA and they said I was laiable with no explanitaion, I escalater the claim to their ERT department and same result with no explanation. I have asked several times amd they haven't solve anything. They made me create a new checking account and change all my login information. Still to this day they haven't resolbed the issue. I had XXXX  XXXX on XXXX and haven't been able to leave my home, also military orders keep me at my location, one of the agents did say they could see logins from an XXXX device, I do not own any XXXX  devices, and that the IP was also in Georgia but no where near my location. This has been frustrating and they have shown little to no interest to resolve, Inever receive a call or email, I always have to chase them to try and get answers, and to some {$380.00} might not sound like much, but military pay is not that great, we do it for our Country. And to have a bank that is dedicated to service members to treat them like they are guilty of being a victim is concerning. I hope CFPB os abpe to help me resolve this since I did not make or approve that transaction and they are treating me like I did.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX Capital one 360 I have transferred funds from XXXX to America-Capital one 360. 
Im suppose to transfer funds for Investment and they denied my transfer. They told me " we don't transfer funds to agency ''. They wasted my time for two days to deal with five minutes transfer. All m information for transfer is correct. I transferred it to external account by pulling it out. They had another option of transferring the funds to external account takes two days. So much waste of time. 

The bank should not have the power discriminating between small companies and big companies.