davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

I am trying to rectify the payment issue with my mortgage company, Freedom Mortgage. In 2018 my husband filed bankruptcy, but I did not. He also did not include the mortgage in the bankruptcy when it was filed. For the past 5 years every time I would call I was told that no one could speak to me because the account showed a bankruptcy. Back in XXXX of this year my husband paid the XXXX mortgage and didn't make another payment until XXXX. Around this time we were in the process of switching insurance companies because our current one was no longer writing policies in Louisiana. We found another insurance company, XXXX XXXX and the policy amount was XXXX. Freedom sent a check from my escrow account to XXXX, but I eventually found a cheaper insurance company. Another check was sent to the new company in the amount of XXXX. I received the XXXX back from XXXX XXXX and called Freedom to ask about what I should do with the check. I was told that I needed to mail it back to freedom so they could put those funds back into the escrow account because the account was showing negative XXXX + XXXX the amount for both insurance premium. I sent the XXXX back to Freedom. I called Freedom back to see if they had received the check and that it needed to be applied to the escrow. I was told that even they could not speak to me because of the bankruptcy, even though the bankruptcy wasn't in my name. They applied the XXXX the missing payments and increased my monthly payments from XXXX to XXXX to included the XXXX that the escrow was missing. I called and finally got someone else to talk to me and asked if they could just back date the mortgage payments that were made with the escrow money and I would just make the missing mortgage payments out of pocket. Well, they backed the payments up and reapplied the XXXX to the escrow but my monthly payments didn't decrease back to XXXX. They have the XXXX back in escrow but still charging me for it in my monthly payments. They are getting the money twice and I don't think its right. I am now behind on my mortgage by over XXXX and it shouldn't be that much. Once that put the XXXX back in escrow my payments should have decreased back to XXXX. I am aware that I owe for the months that they backed the XXXX off but my payments shouldn't still be XXXX. I have called and now I can get someone to talk to me because after 5 years they have now figured out that I wasn't the one that filed bankruptcy. I just want to be charged what I actually owed.
Consumer complaint received 2018-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

XX/XX/XXXX - I made two withdrawals with Coinbase, one for {$90000.00} ( Transfer ID : XXXX ) and another for {$10000.00} ( Transfer ID : XXXX ). Coinbase quotes me that the estimated payout for the withdrawals will hit my bank account XX/XX/XXXX. 

XX/XX/XXXX - I submit a support request asking them to investigate, recover, and transfer my funds to me. The support case # is XXXX. 

XX/XX/XXXX - Coinbase reaches out to me and acknowledges the problem and says they will work with a specialist to address it properly. They provide no concrete answers as to what happened or when it will be resolved.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX  XXXX XXXX missed payment XXXX XXXX XXXX XXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.
Consumer complaint received 2017-07-21
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. (PA)

XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

I want to file a complaint regarding 2 missing house payments that are not being accounted for by my mortgage company. I did not miss any payments for XX/XX/XXXX until XX/XX/XXXX. I started getting behind on my payments XX/XX/XXXX. I missed XX/XX/XXXX and XX/XX/XXXX, then I started paying my house note on XX/XX/XXXX for {$5200.00}, paid {$5200.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5100.00} on XXXX, paid {$360.00} on XX/XX/XXXX suspense shortage, paid XXXX on XX/XX/XXXX suspense shortage, paid {$12000.00} on XX/XX/XXXX, paid {$3000.00} on XX/XX/XXXX thru XX/XX/XXXX. I have paid a total of 9 months of payments to pay my house notes. XXXX XXXX XXXX XXXX is only accounting for XXXX payments which is incorrect. Please review all documentation enclosed. I have order a total print out from XXXX to clarify payments and other institutions. However all payments up to XX/XX/XXXX is on my account activity loan payments from Bayveiw Loan Servicing LLc. And all the payments from XX/XX/XXXX until XX/XX/XXXX I have. I am in the process of a loan modification that is approve on XX/XX/XXXX. However I donot want to close on it until this error on the monies paid are corrected.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2023, I contacted Goldman Sachs in regards to a goodwill credit that was provided to other customers for problems with outgoing withdrawals in the month of XXXX. It is my knowledge that several customers were given a goodwill credit in the amount of {$100.00} due to the lag in processing of outgoing withdrawals. In XXXX, XXXX, and XXXX, Goldman Sachs had extremely negative user reviews and several articles published within multiple news sources that described the failure of Goldman to properly process withdrawals, which dissuaded me from attempting to withdrawal from my account, especially in the month of XXXX. Upon contacting Goldman, I was informed that a case was submitted to review my request for a goodwill credit by representative XXXX, my case number was XXXX. I received a follow up phone call from supervisor XXXX XXXX on XX/XX/2023, at approximately XXXX, informing me that my request had been denied. When I questioned why, I was informed that it was because Goldman conducted an internal review and identified impacted customers. The reason I did not attempt a withdrawal is due to the serious issues many consumers faced in the month of XXXX, all of which are clearly available to view with a simple XXXX search. I requested a formal letter be produced so I could forward to the CFPB, and I was told the matter needed to be reviewed with Goldman 's Legal and Compliance Teams and that I would receive a call back. On XX/XX/2023, at XXXX I received an email stating that Goldman was unable to reach me and to utilize the chat feature within the Apple Card Wallet app to get in touch. I did so, and spoke with a XXXX, who transferred my chat to a supervisor, XXXX, who informed me that he had escalated my request for a formal letter and that I needed to " check back with them in 2 days ''. I am extremely frustrated with the lack of responsiveness, the lack of empathy, and the disparate treatment I have received from Goldman Sachs. I am requesting that my goodwill credit request be honored as I AM an affected customer. Goldman 's declination to provide me this credit could be considered disparate treatment. Goldman neglected to provide thorough Account Disclosures at the time of account opening, and lacked directive on how long funds transfers would take when initiating a withdrawal, which has since been updated. Please advocate on my behalf to get this credit approved. No one should have to spend hours chatting and calling to get told the exact same thing, that it was escalated and to check back.
Consumer complaint received 2023-03-28
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: AES/PHEAA (FL)

XXXX Some of the information in my credit report is inaccurate or incomplete, or both. Please correct all of the inaccurate and disputed issues below. 

AES - LATE PAYMENT 90 DAYS I have asked you to verify this late payment and send me, via USPS, how you determined that I paid late. I do not have any late payments, but my credit report shows otherwise. Please fix this. I paid this debt. I disputed this debt with the furnisher, but its not reporting as disputed. ] Please correct this information. 

Please send me all proof and any information you receive from your investigation, and tell me what procedure is used to decide the correctness of the information you report, plus the business name, address, and phone number of any people/companies that give you information. Also, please send me a complete copy of my credit report. 

Thank you,
Consumer complaint received 2015-09-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (MD)

I received a voicemail from Patenaude & Felix XX/XX/XXXX regarding a delinquent XXXX credit card. I called back and the rep who answered the phone advised me of a payment plan of {$66.00} beginning later that month. I advised him that I was interested in the plan but that I needed to call back on the exact date I wanted to make a payment. He said that was fine and the call ended. I am still trying to get myself financially back on track and by XX/XX/XXXX I still was not able to make the payment. During the one call I had with the attorney 's office, I never advised of any bank account I wanted to use and never set up a payment. My surprise when I checked my bank account yesterday and noticed a {$66.00} check had been submitted to my XXXX XXXX XXXX account. That checking account was already overdrawn so that {$66.00} payment was returned and I was charged a {$35.00} nsf fee. I do n't believe it 's right that this 'attorney ' office and/or XXXX can just automatically take money from my account WITHOUT my authorization. I never set up a payment with Patenaude. I never even went on XXXX 's website and set up a payment. I was never given any plan details in the mail nor any sort of confirmation number since I never set up a payment. I find it interesting that the payment they tried to draft was the exact {$66.00}. I feel that the rep from the attorney 's office took it upon himself to contact XXXX and they took whatever checking account they had on file and tried to charge my account. I want to make good on my account but this is ridiculous. With the issues XXXX has had in the past this certainly does n't make them look any better in my eyes and this attorney should know what they have done is unlawful. Also, when I spoke with the rep I asked if I would get payment plan details in the mail first before I wanted that before setting up some payment. He said I would get it in the mail but it never arrived.
Consumer complaint received 2018-05-16
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: Experian Information Solutions Inc. (MA)

XXXX XXXX, amount of {$470.00}. I have disputed this account with Experian, XXXX and XXXX as does not belong to me. XXXX and XXXX has removed this account from my credit report and Experian has not. I have contacted Experian and disputed this with Experian and have ask Experian to dispute this account and remove it as it does not belong to me. I also have sent XXXX XXXX a debt validation and XXXX XXXX has not responded at all.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Hello, I have $ XXXXUSD with proof of fund I request XXXX XXXX to wire it to me but she got more $ XXXXUSD then transfered to XXXX XXXX HSBC XXXX to demand me to pay more fees, if they wired it to me I would invest in my VIP Plan to get 8 % per day until now it has been two months I would get over $ XXXXUSD but HSBC XXXX hasn't released my funds and hasn't abibe by my demand and instruction. I'm the beneficiary of $ XXXXUSD with proof of fund please refer to files that I attach with this complaint
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (VA)

OnXX/XX/2023 myself and my realtor was reviewing my credit report and observed inquires on the report that I didn't not authorize. There was also a collection on the report the report as well. I know I am old to be buying a house but it is something I would like to pas on to my daughters and their children.
Consumer complaint received 2015-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION (FL)

Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored.
Consumer complaint received 2018-05-16
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: Credit Karma (SC)

I just signed onto my credit karma account. Today is the XX/XX/XXXX. But I've noticed 5 hard inquiries. The first is XXXX XXXX  on XX/XX/XXXX I have no idea what that is. And the second is XXXX XXXX on XX/XX/XXXX. I've never went through XXXX XXXX I have no idea what company that is. And I have two XXXX XXXX  on my account one was inXX/XX/XXXXand the other was in XX/XX/XXXX. And I don't have any XXXX XXXX  cards. I've never had XXXX XXXX. And the last is XXXX XX/XX/XXXX I have no idea what that is I've never heard of that. So I believe someone has ruined my credit with all of that cause I've never been with anyone of those company 's
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OK)

They want to charge a fee per month yet wont allow me to use the card. Ive made multiple calls and chat messages to try and fix the problem. The company wont do anything about it. 

It needs to be fixed to wrk and fees removed for not providing a service
Consumer complaint received 2022-10-05
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. (NY)

I sent letters out with two different credit agencies. XXXX Experian XXXX. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OH)

I tried to obtain cash from atm on XX/XX/XXXX machine did n't dispense cash put in pin amount requested next thing machine said out of order checked account and it had processes the transaction and removed XXXX from account 18days later nothing has happened filled out dispute foorm and mailed it back same day I received it they say they have n't received it yet 8 days later?
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (NV)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX INT ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  - XXXX  ) XXXX Balance : {$900.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent letters out with two different credit agencies. Transunion XXXX XXXX. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH)

On XXXX/XXXXXX/XX/2015 ( XXXX/XXXX/XX/XX/2015 business day ) I went into a People 's United Bank branch to close out my mother 's estate account. I was clear that the account was being closed and purchased several bank checks, leaving the balance at {$0.00}. 
Over the past month I started getting collection notices from People 's United stating that the account was overdrawn by {$9.00}. When I checked the account activity online I found that the bank had not closed the account as I instructed, although it was brought to a {$0.00} balance. On XXXX/XXXX/XX/XX/2015, a month after I closed the account in person at a branch, People 's United charged a {$10.00} maintenance fee and credited {$0.00} in interest to the account, leaving the balance overdrawn by {$9.00}. 
I contacted People 's United on XXXX/XXXX/XX/XX/2015, and after an extended time on hold finally reached an agent. She told me that there was nothing she could do and that I would have to go to a branch to resolve the situation. I told her that I was not able to do this, and she again stated she could n't resolve the error over the phone. At that point I informed her that I was going to complain to the CFPB about their practices, and she indicated " OK ''.