davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX I took the updated XX/XX/XXXX Amendment naming me as Trustee to a Trust Account at Wells Fargo ( XXXX Branch ) in XXXX FL. I went to the bank on Thursday XX/XX/XXXX with a question about a bill pay check for {$17.00}, XXXX that had not been received. 

The Bank Manager, XXXX XXXX____, would not provide me with any information on the Trust Account, including the bill pay problem, because the account had not been " properly maintained '' BY WELLS FARGO. She said I had done everything right -- that WF had the Trust Amendment naming me as Trustee and had it since XX/XX/XXXX. But it had not been entered into the system so she couldn't talk to me about the account ... ..No explanation. She was working on it. 

I went into the bank on Friday. She was still working on it. 

In the meantime, NO INFORMATION ON THE ACCOUNT, INCLUDING A MISSING {$17000.00} CHECK, would be provided by Wells Fargo. 

I checked the account online today and it appears that the WF has not corrected its error. And {$17000.00} is still missing.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my credit reports, I downloaded a copy of my XXXX  credit report on XX/XX/XXXX to review the only credit card listed - American Express ( Amex ). 

Although Amex rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my Clear Card Credit Limit from {$15000.00} to {$6500.00} and subsequently closing my Clear Card Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), Amex continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include the information captured in the fields highlighted on the attached XXXX  credit report including the following : 1 ) Date Updated = XX/XX/XXXX 2 ) Past Due = {$2800.00} 3 ) Date Closed = XX/XX/XXXX 4 ) Credit Limit = {$0.00} Although the Credit Limit was {$15000.00} prior to the reduction, Amex is now reporting it as {$0.00}. 

Enough already ... the account was Closed by Amex on XX/XX/XXXX!
Consumer complaint received 2020-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

XXXX XXXX XXXX XXXX had closed there doors in XX/XX/XXXX which myself ( XXXX XXXX and my Daughter ( XXXX XXXX ) never new. XXXX XXXX wanted to go back and finish her degree but she couldnt do to the school was closed. XXXX took time off of collage in XX/XX/XXXX do to her having XXXX XXXX and she lost her nana and a good friend. I tried to talk to Navient about this collage closing and trying to get this parent loan of a XXXX dollars a forgiveness loan do to my daughter not getting her degree. Navient told me I couldnt get this forgiven end less I pay XXXX. Dollars for 6months en then it might be forgiven and I said there is no way I can pay this do to I lost my job do to XXXX lost there big XXXX account which they had to let everyone from US and XXXX go. I did get another job ( XXXX  ) but I only put in 20-30 hrs a month. I feel Navient is a big scam. How r u aloud to give a big loan and not check ur credit and income.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Late : XX/XX/2020 This is a formal complaint against Experian. I do not recall being late for the month of XX/XX/2020. I might have received my statements late for this particular month. I know I am always on time in paying this account.
Consumer complaint received 2020-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

at XXXX. on XX/XX/XXXX I had a major concern about my student loan through MyFedLoan. What raised an issue was when I checked my credit score and there was a HUGE drop and explained to me that my student loan was the cause of it due to a possible pass payment. So that's when I looked online on MyFedLoan and seen where I had a message about my IDR plan that I had already submitted when they sent out a notification stating I needed to resubmit the application. The letter I had received from them stated " We recalculated your monthly payment for your Income-Contingent Repayment ( ICR ) plan. We used your income documentation and family size to  determine your monthly payment of {$300.00} which is first due on XX/XX/XXXX. '' Now I assumed since I didn't receive anything about my IDR plan that nothing changed so I continued to pay my payment like I been doing. So to get things cleared up I called the toll free number. A lady that was super unhelpful basically told me the reason for the balance I had to pay for the {$300.00} was because I basically never resubmitted my IDR plan ( which I did I even have proof ) So she said that I needed to pay that for my IDR plan to basically get it back ( like a downpayment ) Then she as well stated that I didn't have to pay on my loans until XX/XX/XXXX XXXX possible graduation date ) due to the fact that I am back in school and my loans when into deferment ; however! I've been back in school since XXXX! I have no clue why it took them so long to process that and as well said when my loans go into deferment that they will have a huge impact on my credit score. So I still have questions about my IDR plan that I've summited before the due date, and she just keeps on telling me that I don't have to worry about any payments sine I am in deferment and KEPT on trying to explain to me what deferment meant, which already knew but she just wasn't answering anything I had an issue for. So I told her well I would like to still pay for my loans even though I am in school still that's when she sent me an email for the IDR plan to apply for which I ALREADY DID! The payment they wanted me to pay was not in my budget and I am honestly still confused and lost over the letter they had sent me about the repayment plan, plus I don't understand if my load was already in deferment then why did they send that out to me? I just have so many unanswered questions I felt like we were just going in circles with asking her things. Student loans already can be tricky and they don't make it any better
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

Due to XXXX I had to go onto a forbearance on my mortgage with XXXX after I lost my job. During that time I continued to pay my escrow which is around {$1000.00} of the {$2500.00} mortgage payment. Each month my payment was not being posted. I had to call the organization monthly to ask that my payment be posted to my escrow. It just sat in my escrow account and was never posted as a payment, and did not reduce the amount of what's owed on the forbearance. So now I have a large amount of money ( {$12000.00} ) doing nothing for over a year. I could have invested it, or it could have been posted, so I owe less on my forbearance but that did not happen. I have called the organization probably 50 times now, having to spend about 25 mintues each time getting identified and telling my story over and over again to folks who just kept putting me back into a process, that keeps failing and they wont assign anyone to be accountable. I cant reach back to any of the supervisors I already spoke to... I was promised calls back from one supervisor in particular and that call back never happened. I just called again this morning, and they are telling me this wont be addressed until end of XXXX, which means I go through XXXX with no money. I also cant pay my mortgage, and they promised me they would waive the late fee in XXXX as I waited for my check, yet I was assessed another late fee. We are talking about a lot of money that I need during tough times. I am struggling to put food on my table and now I worry about XXXX and what I will do for money there. If I got this funding back, I could pay all my bills, reduce my credit debt, and be able to provide a XXXX for my family. Can you please help me?
Consumer complaint received 2020-09-24
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
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. (OH)

XXXX XXXX # XXXXI do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I cann protect the integrity of my credit file. XXXX XXXX # XXXX account is reporting a 30 late payment on XXXX after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/2020 A dispute regarding a charged off credit card account was received by way of certified mail by the company claiming the alleged debt yet LVNV Funding LLC fail to validate the debt which is a violation of my rights under the FCRA Section 611 Part ( A ) ( 1 ).
Consumer complaint received 2020-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (DC)

On XX/XX/2019 I saw a check for {$10.00} on my statement which I did not recall writing ; so, I called Discover Bank and the representative said he was going to close the account because there was suspected fraud. He did not even check to see that it was an automatic withdrawal, not a check. That is why I could not pull up the image. He closed the account without my permission causing an automatic payment to Discover credit card to be returned because the account had been closed in error.

I have made repeated attempts to get the bank to admit its error because Discover credit card reported me delinquent to the credit bureaus. Neither of them were agreeable to correcting my credit report which was lowered because of the delinquency.

I had adequate funds and overdraft protection on the new account also. Both accounts are Discover ; so, all Discover Bank needed to do was to change the account number and pay the bill.
Consumer complaint received 2021-08-24
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I am filing this complaint because these companies have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2020-02-17
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: EQUIFAX, INC. (GA)

XXXX is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX is incorrectly reporting to XXXX that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have made two transactions with the debit card at gas stations where the pump failed and then I had to wait for the funds to be returned. I waited the five business days and had received none of my funds back. I then called Venmo and asked what the issue was, I was then told that the money was on a 30 day hold from XXXX for both transactions. I then waited out the 30 days and still received nothing. I waited five extra days before calling them again, I was then told that there was an error code that came up when they tried to transfer back the funds. And they didnt have a clear explanation for why. I called two days later just to be told that the engineer team will have to take care of the problem on hand. That the only way to contact them is email but I have to wait for them first. I have then wait 12 days constantly checking my email and not receiving any money or response from their engineer team. I called them again just to hear that the order will be pushed to the top to be resolved. I was then told that everything that was told to me the other time was just bull and that its something wrong on Venmos end. I waited 47 days for my money and still havent received anything. 

Transactions 1 : XX/XX/XXXX in the amount of {$25.00} Transactions 2 : XX/XX/XXXX in the amount of {$20.00}
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On Thursday, XX/XX/XXXX, I called into Chase Bank to inquire as to why my debit card wasnt working. I was told at that time that my accounts were being closed. I have continued to follow up so that I can get the funds that were in all XXXX accounts that they closed. They kept saying 10 business days and I would receive a check. This week I got letters saying the accounts werent closed until XX/XX/11 and the 10 business days started then. Its been more than that already. I can not pay bills and am delinquent on a few because of this.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Sir/Madam, Please consider my English is not good, before start. I was a client of Bank of America for the past about three years. I 've been In XXXX since XX/XX/XXXX, and I am not going to return to the US. So, I called XX/XX/XXXX, to close my account ( XXXX ), and XXXX? told me that she would send a check of my money in the account {$21000.00}. However, I have not received a check, and I called and talked with XXXX? XX/XX/XXXX. I called and talked with XXXX? on XX/XX/XXXX. I finally received a check, however, I could not cash the check because it was not passed through the customs of XXXX. So, I talked on XX/XX/XXXX with XXXX?. I asked the check should be sent via XXXX or XXXX which should be marked on the envelope enclosing a check to pass the customs. XXXX accept my asking that she would handle that should be sent via XXXX. To confirm the process, the call was transferred to a XXXX translator of the XXXX?, she was so rude. She refused to send the check via XXXX and hung up my call. I had to call again and talked with a manager, XXXX, she confirmed to send it via XXXX, and she said that the case would be closed with the numbere XXXX. I also got a mail saying the case was closed with the number. Unfortunately, I have not yet received the check via XXXX. It may not a big money to the company, but it is a big money to me now. Whenever I call to BOA customer 's service, It is very hard to talk with because my account has already been closed. So, whenever the automatic calling system asks my account number it is not working with my old closed account number. Please review my case and handle the case as soon as possible.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I am writing this letter to inform you that I am a victim of the discrepancies of accounting by Ocwen Loan Servicing of my mortgage account for my house. I purchased my house new and have lived at this house for 30 years as of this past XXXX XXXX. We started with XXXX Mortgage then the loan has been shuffled around over the years to quite a few companies including XXXX XXXX Mortgage and Homeward Residential. Lastly we found ourselves being serviced by Ocwen Mortgage. I had absolutely no say or real notice of these transactions over the years. I presumed that this was a common practice for servicing companies and banks. A few days ago I received a letter from a company I had not heard of before named XXXX. Nationstar documents they sent to me stated they were now in charge of servicing my mortgage. Again I presumed this was just normal day to day banking activity UNTIL I read the documents from XXXX stating that the documents from Ocwen claim that I was delinquent for the past 6 months. THAT IS AN OCWEN LIE! I called Ocwen over and over again only to be shuffled between XXXX and the XXXX. No one would give me a straight answer as to where my payments had been going. I went to my bank, XXXX Bank in XXXX California, as well as checking all of my online activity. All documents confirmed that each payment was made on time and that Ocwen had received and cashed each check. Apparently the payments were either credited to someone else 's account of were stolen by an Ocwen executive. Upon further investigation I found numerous charges ranging from fees and insurances which were unfounded. I have always had insurances and had always notified Ocwen proof of insurance directly from our HOA and private insurance company XXXX. Next of course I called XXXX and explained these facts to XXXX people in several different states. I finally was able to be contact XXXX XXXX at XXXX in XXXX California. He was and has been very helpful in trying to untangle this accounting mess. I searched online and found that Ocwen has been deceiving clients like me for years and has been levied with millions of dollars in fines by CFPB. Apparently Ocwen has been collecting payments from many of their clients as me and not applying the accounting. Then Ocwen shuffles us to other service providers with documents stating we are delinquent, in my case 6 months ( A LIE ). Ocwen pockets ( steals ) these funds leaving us with destroyed FICO scores, decimated financial reputations, delinquent status, threats of foreclosures, and a cold shoulder. I have documents from my bank that Ocwen received the funds and " cashed the checks ''. A guess would be that someone at Ocwen has hidden my money in an executive 's XXXX bank account. XXXX has promised not to move forward with any foreclosure nor fines and fees until this is resolved. I hope they keep their word.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. ()

I made calls to Chase on XX/XX/XXXX and XXXX because I can't send a XXXX  payment to XXXX XXXX XXXX after several attempts. They would lock my account every time and I have to call for them to unlock and asked several security questions. I did this for approximately 10 times.

I requested them for a new debit card because I don't have an active debit card but they will not send me. 

Then on XXXX XXXX, I made a wire transfer to my daughter after her account was verified, my daughter 's name is XXXX XXXX XXXX. Every time I initiate a wire transfer online, they would lock my account then I have to call them to unlock my online banking and every time, I would go through a series of security questions and did this numerous times and they advised to do other way to get my funds like checks. So I ordered for books of checks mailed to my address in the XXXX and I got it after over a month. I ordered on XX/XX/2024. So, I issued a check to my daughter XXXX XXXX XXXX and she deposited it to her bank. It cleared on my Chase account but they reversed it. They put it back to my account saying it was a bad check. 

On XXXX XXXX, I also XXXX  XXXX XXXX but they also locked my account and I called several times after to unlock my account and still they did not allow the transfer. They would lock my account every time. 

It's getting so so hard to transact with Chase. I need to access my funds for my daily needs. Although, they are protecting me against fraud, it has affected me terribly because I can not get access to my funds. Despite the fact that they advised me to do wire transfer or issue a personal check, still they are not releasing my funds despite that I am able to pass their security questions. 

Please help me with my dire situation. 

I called them so many times from XXXX, XXXX through XX/XX/XXXX that I already got tired of calling them and all I am dealing with is their system, Even the supervisor can not help me because it's their system deciding my case. I am getting helpless that's why I am asking for your help.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NJ)

Filed original refinance in XXXX of XX/XX/2021, today is XXXX of XX/XX/2021and its still not done. I keep receiving various excuses and have had multiple people help me. They constantly do not notify me on updates and do not communicate with me regarding the process. 8 months later they are still giving me the runaround. Next they ran my credit by misinforming me my file has been closed and I need to restart the process, which is false. Next they said they would waive the appraisal because of the value but they come back and say they have no choice to do it. Ive had multiple values given for the house and nothing seems to make sense with this company.